davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

ACH Debit XX/XX/19 an attempt was made to withdraw {$7900.00}. My account did not have overdraft protection but my bank withdrew {$4800.00} and left me with a negative balance of - {$3000.00}. I was sent a email notification that my account was {$0.00} and checked online to see the amounts stated above. I called my banks online banking and had a ref # assigned to the incident. And a stop pay issued. My bank listed in the transaction as processing. I told my bank do not pay the money, their response was they could not guarantee it because it was a computerized process. I then went to my banks local office and saw a personal banker. They stated they could not do anything more then had been done. I had not preauthorized or authorized the ACH Transfer Debit. My bank stated anyone can initiate an ACH Debit if they have my name address, routing and account number, and falsified to their bank the appropriate online documents. I called the bank making the ACH Debit and they stated it can only be done by one of their account holders if the account holder was paying off a loan, credit of debit card debt. On XX/XX/19 my online account information and balance was back to normal like nothing happened. I write checks to pay my bills and make other purchases. The banks are acting like it's my fault and their fraud divisions are acting properly.
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-01-27
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: EQUIFAX, INC. (LA)

Equifax Info Svcs LLC XXXX. XXXX XXXX XXXX, GA XXXX The following is the result of ID THEFT and was once blocked and removed. These items need to be removed and blocked AGAIN due to them begin fraud!!!! I did not open these accounts and have sent in supporting documents several times!!!!. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX   XXXX 3. XXXX Reported : XX/XX/XXXX 4. XXXX XXXX XXXX Reported : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX   Reported : XX/XX/XXXX 6. XXXX XXXX XXXX Reported : XX/XX/XXXX 7. XXXX XXXX XXXX Reported : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX THANK YOU FOR YOUR COOPERATION IN THIS MATTER ///SINCERLERY//// XXXX XXXX
Consumer complaint received 2022-05-18
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. (TX)

XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX, Equifax and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so Capital One has violated this law because this late payment reporting on XXXX, Equifax and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, Equifax and XXXX and I didnt give them permission to do so.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX, XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so Capital One has violated this law because this late payment reporting on XXXX, XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, XXXX and TransUnion and I didnt give them permission to do so.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, an unauthorized bill payment of {$1900.00} was made from my account to a merchant that I do not recognize. Despite my efforts to investigate, there is no available information online about this merchant. I reported the incident to Chase Bank, but unfortunately, they were unable to provide any additional assistance in resolving this matter. 

The merchant 's name is ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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: Marlette Funding, LLC (GA)

best egg fraud team never contacted me, by mail with any proof the debt was mines, they didn't submit any contracts, any id 's of me, nothing!! how can a company simply state, it belongs to you, and thats it!
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received an email stating that my account was subject to close due to lack of activity. 

I called Capital One a week or more before the date the account was subject to close to order a replacement card and attempt to prevent the account from closing. The representative ordered me a new card and assured me that my account would remain open and that I would receive 90 additional days to use my card. I asked multiple times if they were sure this was true, and they promised me the account would not close.

Roughly a week later, I received an email stating that my account had closed, and a day later, my new card arrived.

When I called to find out what happened, the representatives I spoke to told me there was nothing they could do and refused to be accountable.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (LA)

In accordance with the FAIR CREDIT REPORTING ACT, these XXXX  accounts listed below has violated my rights. 

1. 15 USC 1681 SECTION 602 A, STATES ; I HAVE THE RIGHT TO PRIVACY 2. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES ; A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have disputed the accounts with the credit bureaus as well as sent letters. 
The disputed responses I received back stated that the accounts were in accordance with FCRA, which is not true based on the XXXX violations I have listed above. No response pertaining to the letters that was sentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (TX)

MY NAMES IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.
Consumer complaint received 2022-05-18
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. (AZ)

have had identity theft I did a dispute multiple times and i was denied relief and just sent a generic letter saying that I did the dispute in error, then I asked for them ( each credit bureau ) to send me the proof that it was me that opened the accounts that where opened fraudulently. XXXX Experian and XXXX refuse to remove these accounts that are fraud and will not share why they are being validated. these are the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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. (TX)

MY NAMES IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BMO Bank, N.A. (CA)

I am writing to file a formal complaint regarding unauthorized actions taken by bank of Montreal also known as BMO regarding my account. On XX/XX/2024, I took the decision to close my account, ensuring that all funds were withdrawn and no further transactions were authorized. However, to my dismay, on XX/XX/2024, I discovered that my account had been inexplicably reopened without my consent or authorization. 

This unauthorized reopening of my account led to subsequent transactions being allowed to go through, resulting in the account being overdrawn. As a result, I have incurred significant overdraft fees, which I firmly believe I should not be responsible for, as I had taken the necessary steps to close the account and cease all activity.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

As explained in prior CFPB complaint in re, unable to pay seller by the name of XXXX XXXX, error message states, " can not use card provided '' or similar thereof, I am still unable to make payment to this person... Matter remains unresolved and unable to pay seller.. Most recently, I spoke with an XXXX with Paypal whom attempted to imply the payment information used is associated with other Paypal accounts I had prior, several years ago... The payment methods attempted, including credit and debit accounts, were all opened within the past 1 to 2 years, which is after any prior Paypal accounts closed and or limited... Prior to this, I requested all accounts including those limited, closed which Paypal refused to do so, thus, reason in part for inability to pay XXXX XXXX. Currently, I am using email : XXXX for current Paypal account which is being used for attempted payments, I do not know emails associated with Prior Paypal accounts. XXXX claims these prior accounts are associated including name, payment info, and or address... I have moved since these accounts were opened, several years ago.., I will reiterate the current accounts were all opened within 1 to 2 years, well after any prior Paypal account closed and or limited.. Needless to say, XXXX 's response seems to be bogus and matter not addressed. Her response indicates to use another payment method in which case, seller does not accept other methods than Paypal. Having said that, Paypal needs to fix issue including closing any prior Paypal accounts which may be interfering with payment to XXXX XXXX.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, I deposited a qualifying large-deposit local check at a branch A.T.M. of Fifth Third Bank. The Bank placed a hold on the deposit without providing the disclosures required by 12 C.F.R. 229.16 and 12 C.F.R. 229.15. Any general disclosures the Bank may have posted near the A.T.M. were not clear, conspicuous, or specific enough to notify me that the Bank would place a lengthy hold on the deposited funds. On XX/XX/XXXX, I contacted the Bank to inquire why they reversed an A.C.H. debit transaction. The Bank informed me that the funds were still placed on hold. I requested a written copy of the Banks complete funds availability policy, but the Bank declined to provide me with this information in writing.
Consumer complaint received 2021-10-30
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: EQUIFAX, INC. (CA)

I recently received a letter from Equifax stating that they had a data breach in XXXX and that my information was leaked in that data breach. I received this notice in XX/XX/XXXX. Since then I have also received several other communications from different companies stating that my information has been breached. The IRS has sent me a notice stating that someone has filed taxes for me. XXXX sent me a notice saying that my information was leaked during their data breach. An old employer sent me a notice saying my information was late during their data breach. I have filed a report to the FTC and my local police department for all of these incidents. Equifax has not handled any of this properly. I never receive my full credit report. And when I do it has very different and inaccurate information on it including but not limited to my name addresses accounts and they also have four separate accounts for me with my name spelled differently one of them in the country of XXXX when I reside in the United States. All using my same Social Security number. XXXX XXXX is quite the same scenario. I am unable to resolve any kind of issues with any of these credit bureaus. This is including Equifax XXXX and XXXX XXXX. I have documentation to support my position if needed. Please advise what the next steps are that I have to take. Thank you so much for your time. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I settled my account to be paid in full with CAPITAL ONE around XX/XX/2021. The balance is reporting as {$0.00}, however, the account status is still reporting as " derogatory '' and I would like this to be reported as " paid ''.
Consumer complaint received 2022-05-18
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. (GA)

Experian stated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card account # XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and the date last reported is not accurate, high balance inaccurate, last verified inaccurate, closed date inaccurate, .This is grounds for removal. 

THE FCRA LAW STATE EVERYTHING HAS TO BE 100 % ACCURATE OR THE ACCOUNT HAS TO BE REMOVED. EXPERIAN HAS NOT CONDUCTED A PROPER INVESTIGATION BECAUSE THERE ARE INACCURATE ACCOUNTS ON MY CREDIT REPORT. 

Experian ( PERSON ) has violated MY CONSUMER RIGHTS UNDER 15 U.S. Code 1681b ( a ) ( 2 ). I the consumer never gave my written permission to Experian the person to furnish anything on my consumer report.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

EXPERIAN HAS ALSO NOT FURNISHED THE ACCOUNTS ACCURATELY ACCORDING TO METRO 2 COMPLIANCE STANDARDS.

SEE ATTACHED LETTER.
Consumer complaint received 2022-10-27
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. (LA)

In accordance with the FAIR CREDIT REPORTING ACT, these XXXX  accounts listed below has violated my rights. 

1. 15 USC 1681 SECTION 602 A, STATES ; I HAVE THE RIGHT TO PRIVACY 2. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES ; A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have disputed the accounts with the credit bureaus as well as sent letters. 
The disputed responses I received back stated that the accounts were in accordance with FCRA, which is not true based on the XXXX violations I have listed above. No response pertaining to the letters that was sent. 



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Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXXXXXX 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