davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

I have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies.

XXXX  1. Identity Theft XXXX/XXXX  Account XXXX  : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

-There are two XXXX student loan accounts that are negatively affecting my credit report ( A redacted screenshot is attached. ) -The " first account '' was opened in XXXX. I experienced financial difficulty beginning in late XXXX. Despite making minimum payments, XXXX  charged-off the account in XXXX.
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-The " second account '' appeared on my credit report in XXXX. This second account is listed as being " In Collection. '' -There are separate telephone numbers for each of these two XXXX accounts. I called the number associated with the " first account '' and the recording indicated that XXXX no longer services student loans and that I should contact " XXXX XXXX. '' Upon contacting XXXX XXXX, I gave them my identifying information and they indicated that they could not find an account for me. I called the number associated with the " second account '' and the recording indicated that the number dialed was no longer in service.
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-Thereafter, I filed a dispute with the three major credit reporting agencies ( XXXX , Equifax , and XXXX ). The results of my disputes with the major credit reporting agencies stated that the information for both XXXX accounts is " accurate and has been updated. '' -Request for resolution : 1. How can the information related to these two XXXX accounts be " accurate '' when neither telephone number will put me in touch with someone with knowledge of these accounts?
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2. How were the major credit reporting agencies able to contact someone to allegedly validate this information when I can not do so with the information provided in my credit report?
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3. XXXX has neither notified me about the " second account '' that is allegedly " In Collection '' nor have they provided me an opportunity to address this collection account.
Consumer complaint received 2023-11-28
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX  I visited Bank of America on XXXX XXXX XXXX, XXXX, NJ to withdraw {$2700.00}. I was helped by a teller named XXXX who consulted with his superior, XXXX. After speaking with XXXX, XXXX told me I needed to go to an ATM to withdraw my money. I informed him of the ATM limit of {$1000.00} and I asked to speak with XXXX. I informed XXXX of the ATM limit and that I needed to withdraw the money because my employer will no longer be banking with Bank of America. XXXX said I can withdraw a maximum of {$1500.00} because I do not have an account with Bank of America. I withdrew {$1400.00} so I can withdraw my remaining balance from an ATM. 

My complaint is : I believe Bank of America withheld my money arbitrarily and against the customer agreement by trying to turn me away to an ATM and then imposing a maximum I can withdraw from my money that is deposited in their bank. Regulation E is inconsistent with banks arbitrarily withholding and arbitrarily conditioning people 's deposits.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (OH)

At the termination of a lease for a XXXX XXXX XXXX, I agreed to purchase the auto from Chase Bank Financial and submitted the quoted price from them ( which included the Ohio Sales tax from my county ( XXXX ). I received a check ( No XXXX ) from Chase for {$1100.00} made payable to XXXX County Clerk of Court, on XX/XX/XXXX XXXX-which was sent by me by Chase. I did submit this to the clerk of courts. Whatever subsequently happened, That office informed me that they had no record of this check and no financial record of having cashed it-which they affirmed in a follow up letter. 
Consequently, I had to again pay out-of- pocket to receive title to the auto. I have tried contacting Chase Financial customer service, at least four different times, asking them to stop payment on the check, and to reimburse me for that amount, but Have heard nothing.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc. (CA)

A REPORT FROM XXXX  XXXX FROM XX/XX/2018. XXXX DOES NOT HAVE MY CONSENT AUTHORIZATION AND THIS SERVES AS A CEASE AND DESIST TO HOLD, GATHER, ANALYZE, PACKAGE SELL OR OTHERWISE CREATE COMMERCE WITH MY PERSONAL INFORMATION OR CREDIT INFORMATION. XXXX SHOWS A LACK OF SAFETY WITH OTHER DATA BREACHES AND NO REMEDIATION FOR CONSUMERS.SELLING MY INFORMATION TO ANYONE IS ILLEGAL YOU ARE VIOLATING MY PRIVACY, THE RIGHT TO EQUAL PROTECTION AND THE RIGHT TO SELF DEFENSE. ALL SOFT INQUIRIES ARE TO BE REMOVE ASAP, OR I WILL PROSECUTE THE ISSUE MYSELF.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened a checking and savings account with Truist on XX/XX/2022. With {$3000.00}. I had {$1900.00} in my checking account and {$300.00} just disappeared and the ledger said my balance was {$1600.00}. I have tried several times to contact customer service but I can't get anyone online or on the phone.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

I recently applied for a credit card on XX/XX/XXXX for Double Cash with XXXX they denied my application so on XX/XX/XXXX I called to see if they would reconsider giving me the card it was a no. so I recently got a copy of my credit report and what did I see but not one but 2 inquiries on the same agency on the same week one on XX/XX/XXXX the other XX/XX/18. I did not consent at all for two pulls in the same week called them and they just gave me the run around and denied me from too many inquiries and two of them were from them, I need these to be verified. send me written proof of these or please remove them
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: First Investors Servicing Corporation, Atlanta, GA Branch (OH)

XXXX XXXX XXXX on my XXXX credit report has the inquiry date of XXXX/XXXX/XXXX. The only date that I went to the car dealership of XXXX XXXX XXXX was on XXXX XXXX XXXX. This is inaccurate information.
Consumer complaint received 2021-08-24
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (IL)

Please answer each Fact stated in the Affidavit of Truth attached hereto. These and all other attachments/ Exhibits were received by Wells Fargo XXXX XX/XX/2021. Attached is also proof of delivery.
Consumer complaint received 2017-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (PA)

Wrote letter on XXXXX-2017 to Debt Recovery Solutions that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Debt Recovery Solutions to removed incorrect information off my credit report. More importantly, Debt Recovery Solutions are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Debt Recovery Solutions.
Consumer complaint received 2015-10-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Services, Inc. (CT)

Requested the following information from collection agency three times : Name of doctor this debt is owed to. 
Dates of services provided. 
Procedures that were performed. 
How you determined that is my debt. 
Collection agency deleted the tradeline from my equifax credit report. Has not provided the requested information, and continues to report on my experian credit report.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. (CA)

My account has been closed by Mercury Banking for over 13 months now, and they ignored all attempts at legal communications including but not limited to demand letters and personal outreach. I spent money to get my money and they never responded or acted towards the legal outreach. Please hold them accountable to the financial institutional guidelines that they clearly don't seem to abide by. I can still log in to my closed account and see my unmovable and untouchable funds there. Any attempt at communication has been shot down and never responded to.
Consumer complaint received 2017-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clearview Resolution Services (TX)

I received 4 calls total from XXXX. They called my cell phone, my home number, and my father 's cell phone on XX/XX/XXXX. I do not know how they got my father 's cell phone number as I have never listed his number with my name anywhere. Ever. but they left similar messages on all of the phone lines saying their name was XXXX XXXX, they were from XXXX XXXX XXXX, a claim was made and documents were in his office with my name, social, and birth date on them. He leaves a call back number which is XXXX. I called the XXXX number, the answering machine said that they were a Legal Services Department ( that 's all it said, no company name, nothing ) and to leave a detailed message and a call back number. I ca n't find any company on the internet with that name or number in my area. I called the XXXX number twice but the call went to an answering machine and told me to visit their website http : //www.clearviewresolutionservices.com/. I could not find any company or information on that phone number either.. So, I did some research on the website and came up with another number which was XXXX XXXX XXXX XXXX, which when I called, a machine told me a whole different company name and/or department, I ca n't remember what it was called. I received another call from the same XXXX number on XX/XX/XXXX, and he basically said because of my negligence, they were going to continue to move forward with the process and urged me or my attorney to contact them on the matter that same day. I figured it was a scam because I had not received anything in the mail about any kind of claim made against me and he did not mention that it was an attempt to collect a debt or anything, he just said a claim was filed against me due to a failed banking transaction and he had all my details. I attempted to call the company a few times today, XX/XX/XXXX, but after repeated calls due to bad phone signal, they kept throwing me on hold without saying anything, one instance where some guy used my full name to answer instead of " How may I help you? '' then the XXXX proceeded to call me 2 more times and left a silent voicemail. I had a similar phone call a few months ago about someone coming to my house to get some claim papers signed, but they called multiple times and left the same recorded message and that let me know it was a scam, so I 'm a bit cautious about XXXX XXXX XXXX trying to scam me out of money.
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP (VA)

From XXXX XXXX, 2015 to XXXX XXXX, my group used XXXX rooms of a hotel in my name. 
On XXXX XXXX XXXX XXXX, I checked out. 
On XXXX XXXX, I checked through my credit card statement that on XXXX XXXX, the hotel charged {$200.00} over my credit card as a penalty. The reason was we XXXX in the no XXXX room. 
The hotel charged the penalty on XXXX XXXX, not XXXX, 1 day later we checked out. 
If the hotel claims that they checked the room on XXXX, at the day we checked out, this means the hotel kept my credit card information without my permission even after my check out. 
The hotel should have charged the penalty on the " XXXX '' not to violate the Laws of Payment Card Industry Data Security Standard. Therefore, I request the full refund of {$200.00} from the hotel.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have disputed and sent documents of incorrect information on my credit report so many times there is always an issue with them according to them they update info that looks the same as the last report or they report that agency reported it was accurate even with the documents the collection companies tell me they could find my file or unable to sent me documents that verify the debt is mine I have been doing this for a year now and still cant get a solution
Consumer complaint received 2024-03-29
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (PA)

I had a Macy 's credit card for a few years. This past summer, I saw several large fraudulent purchases that almost maxed out the credit card that I did not identify and called Macy 's to discuss the matter. At the time, they very graciously removed the charges from the account and sent me a new credit card. Shortly thereafter, there was once again a suspicious charge on this new card. I immediately called Macy 's and had the second card cancelled. I paid the remainder of my purchases in full as there was only one concerning charge -- the rest were made by me. Because this was the second time this happened with the Macy 's credit card, I no longer wanted an active account with them as I was worried that somewhere this credit card was being compromised and did not want to deal with this again. I spoke to customer service on the phone who ensured me that the account was paid off in full and the account was closed. This was in XXXX. 

Since then, unbeknownst to me, the account was NOT closed and there were some random fees and late charges being added. I was not even aware that the account was even open for that to be happening. It was not a large amount ( approx XXXX dollars once the fees were added up ), but enough to cause me problems. Once I realized, I called again and spoke to someone who reiterated that my account was in fact closed and that I would not have to pay any of these charges since it was not even open. However, one month later I received another notice that I was delinquent on my account and it would be reported to the credit bureau. I called once again and was told the same thing -- that my account was completely closed with Macys and that I would have nothing to pay. However, two late payments were already reported to the credit bureau ( after the account was closed ) and today, much to my surprise, I have an active Macy 's credit account for {$900.00}! And, of course, I do not even have a physical card because the account should have been closed! 

This has been an incredibly stressful experience as I have called many times and have been told that the account is closed each time when it was in fact not closed. I was subsequently charged several " fees '' and " late charges '' that I was not even aware of and which were then reported and dropped my credit score! I have never missed a payment and now I do not even know how to fix this issue. The worst part is knowing that I still have an open account with Macys!
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

On XXXX XXXX I was a victim of a scam from my Wells Fargo credit card, savings and checking accounts. Wells Fargo XXXX refused to refund my losses of {$39000.00}. I have letters of false claims by the WF fraud department : They stated that " You successfully submitted a {$30000.00} transfer from my savings to my checking accounts on XX/XX/2021. I did not. 
They stated that " You successfully submitted a {$10000.00} cash advance in my credit card account on XXXX XXXX. I did not. The fraudster did both. 
In a letter to me dated XX/XX/2021 WF stated " On XXXX XXXX, there is a cash advance made for {$10000.00} but it was reversed and credited back to your account and we refunded the cash advance fee of {$500.00} from the {$10000.00} cash advance made. This never happened. This is also in a letter to me dated XX/XX/XXXX. 2021. 
The fraudster somehow got into my credit card and savings accounts to see if I had enough limit in my credit card account to order an illegal {$10000.00} cash advance and a {$30000.00} illegal transfer from my savings account, both to my checking account. Once he knew I had enough money in both accounts the scam began. 
Yes I ordered a {$39000.00} wire transfer to a bank in XXXX XXXX as ordered by the fraudster to get back my {$400.00} XXXX XXXX XXXX. The WF teller told my this would not be good until XX/XX/XXXX, XXXX was suspect of a scam and went back to the bank and told them to stop the transfer. They said they would let me know in 4-5 working days.

Also, I heard of a money scam in XXXX XXXX, California by a XXXX XXXXXXXX XXXX customer. Bank XXXX XXXX refunded all of the customers life savings from the scam. He was told to withdraw his full savings because XXXX XXXX XXXX was in trouble. He sent all of the money to a XXXX XXXX. It was not a XXXX XXXX it was the fraudster. This was an XXXX XXXX XXXX live report in XXXX XXXX seen by my daughter. Why can't Wells Fargo take care of my similar problem? 
The first two events that happened were : the fraudster somehow got into my WF bank to check on my funds and when he knew I had enough for the scam he did an unauthorized credit card cash advance for {$10000.00} and a savings account unauthorized transfer of {$30000.00}, both to my checking account. 

Thank you, XXXX XXXX
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CA)

Jefferson Capital Systems is collecting for XXXX, which was purchased by XXXX, saying I owe money when I don't. XXXX refused to give me my account number with them ( it wasn't on the statement ) so I couldn't use local number portability. I verified the amount of money I owed, paid it, and closed my account with XXXX. I want their say collection removed from the various credit agencies. 
They called me, I told them I was never paying this as I didn't owe the debt. I called them today, XX/XX/XXXX, at XXXX PM XXXX, no customer representative was available to take my call. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX  Closed No Information