davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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: HYUNDAI CAPITAL AMERICA (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-09-28
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. (TX)

I have recently submitted a complaint with the CFPB to have accounts that were subnitted on an FTC Report to be removed/deleted. Not all accounts were deleted. The bureaus have made several violations of federal law under the Fair Credit Reporting Act. I do not appreciate being undermined as a consumer.
Consumer complaint received 2022-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (GA)

I originally reached out to Chase Bank around XX/XX/XXXX requesting a copy of the auto loan contract as I had misplaced mine. No response nor reply was ever given from them regarding a copy of the contract. I then made 3 separate request for Chase Bank to validate the proposed debt for the vehicle requesting very specific information such as : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. 
These request for validation were sent out to their HQ office in NY, accounting office in XXXX, PA and to an office in Louisiana. All the mailed request were sent by way of certified mail with return receipt service upon delivery. I have still not yet received any of the requested documentation on one occasion rather than respond with the requested documentation they simply returned my opened letter back to me in a new envelope. I have not received nay further phone calls for collection, nor do I appear to have any online access to the account whatsoever. I would like to know how and where can I submit my notarized affidavit to the CFPB, FTC or other governing body to have on record my sworn affidavit of default against Chase Bank?
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DE)

Account frozen XX/XX/XXXX - no reason given I reached out multiple times to resolve this, since last year - Venmo refused to provide additional information or to resolve the complaint, and even said they would not even try to resolve it - in one email they explicitly refused to tell me anything about the closure XX/XX/XXXX - email from Venmo saying it was frozen XX/XX/XXXX - email from me enquiring about the freeze XX/XX/XXXX - autoresponse XX/XX/XXXX - email from Venmo noting it was forwarded to another team XX/XX/XXXX - email from me following up, as Venmo never responded after the last email XX/XX/XXXX - autoresponse XX/XX/XXXX - email from Venmo where they refused to give any information about my account with my funds in it : " Your account is currently frozen. Unfortunately, there are no further changes that we can make to your account. Additionally, there is no further information or detail I can provide about why your account is frozen. '' XX/XX/XXXX - email from me asking how I can resolve XX/XX/XXXX - email from Venmo repeating the same response, with the additional line " Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. '' XX/XX/XXXX - email from me reaching out to resolve XX/XX/XXXX - autoresponse XX/XX/XXXX - email from Venmo forwarding to another team XX/XX/XXXX - email from me following up XX/XX/XXXX - autoresponse
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (NE)

This is a complaint to follow up with my previous complaint number XXXX I am adding to that complaint to further explain my frustration with USBank. When you pick a bank out of all the banks you have the expectation that they will respect your privacy and rights as a customer. The Electronic Funds Transfer Act ensures that if the fund transfer is " unauthorized '' the bank has to correct any errors within one day from confirming the error, this includes refunding the money taken without authorization. It was confirmed to be via phone that the charge is confirmed fraud. Such a large charge should have NEVER been allowed to be removed from my account. The bank recognized it as suspicious activity by immediately locking my account, but never stopping the transfer. USBank should be responsible for always monitoring transactions especially ones they recognized as fraud. Banks show that they care about their customers by not allowing transfers that are considered unusual or suspicious to be authorized. A person committing fraud is not the customer 's fault. The Bank to solve these issues must 1. Promptly investigate the reported errors AND report its findings withing three business days of completing the investigation. I still as I'm writing this complaint have no idea why the bank has both denied my request, while also admitting the transfer was fraudulent. Even if the bank believed the money transferred was authorized by me it is their burden to prove that. I am writing this complaint to further my investigation of this. The bank claims that its out of their hands, but what's actually happening is illegal.
Consumer complaint received 2022-12-12
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. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-23
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. (FL)

Equifax continue to keep inaccurate information on my credit report. Inaccurate information on my credit causing denied of owning my own car. XXXX never produced ORIGINAL CONTRACT SIGNATURE BEARING THAT SAYS I OWE XXXX ANY DEBT AND IF XXXX CAN'T DO THAT IN 30 DAYS EQUIFAX NEED TO DELETE IT. XXXX keep saying they don't own this bill and they represent XXXX they don't. If they don't own this bill why XXXX Continue to send bill in their letter heading. I don't OWE XXXX NOTHING. KEEP SENDING BILL AND I CONTINUE TO ASK XXXX FOR ORIGINAL BILL BEARING MY SIGNATURE. XXXX, EQUIFAX AND XXXX HAS MADE MY LIFE XXXX XXXX XXXXXXXX. The information on my Equifax and XXXX credit report is inaccurate information. They refuse to remove it off my credit report. Again if XXXX CAN'T PRODUCE THE ORIGINAL CONTRACT SIGNATURE BEARING THAT SAYS I OWE ANY DEBT IF XXXX CAN'T PRODUCE WHAT I ASK FOR THEN DELETE IT.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (TX)

company states I owe {$5000.00} for a wells fargo credit card from XXXX. I never had a credit card in XXXX company states they will garnish my wages, take my home and my vehicles. They are willing to settle for {$3000.00}. I have requested proof of debt and was advised if they provide that information the settlement offer will be voided and the total {$5000.00} will then be due. If they provide any proof it will have to be through court proceedings. only document they can email me is a contract for me to sign for payments.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

In accordance with the fair credit reporting act XXXX  ( XXXX ) has violated my rights. 15 U.S.C 1681 section 602 a states I have the rights 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 2022-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX I called Wells Fargo to close my savings account and one of my checking accounts because they started charging fees. On XX/XX/22 Wells Fargo closed the wrong checking account. They took the money out and sent it in a cashers check, leaving me with no money till I received the check, almost 7-8 days. I called them on the XXXX and asked why it was closed, they said they made the mistake of closing the wrong account and they would start a case on this. They told me they could not reopen the account leaving me to take time off work ( not paid ) to get all of my bills that come out of that account moved to somewhere else. I also had checks out that were returned because of this. I have not heard back from them since. I have called twice and sent complaints online through Wells Fargo website.
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to before that the information is inaccurate. 

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I received a banking message on the Chase app on XX/XX/XXXX advising my account had been locked and I would need to call the bank to get the lock removed. I called on XX/XX/XXXX and the representative I spoke with advised that my account was subject to closing upon the decision of the bank. I asked what would happen with my funds in the bank and she told me that they will send a cashiers check within 10 business days. I asked was there any other information as to why this was being done or why I was not contacted in regards to this and she became discourteous and impolite and proceeded to disconnect the call in which I had to call back and spend more time to report this to a supervisor. I have been a customer of Chase for 4 years and trusted them with my business and personal accounts and now I have access to nothing without any notice.
Consumer complaint received 2022-08-01
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. (CA)

XXXX past disputes was deleted and I XXXX XXXX the consumer are now seeking remedies for the action of XXXX who furnaced these wrongfully consumer reports that have took a toll of my life and credit gain to help my family. 

I have 4 completed deletions dated from XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX XXXX WAS DELETED XX/XX/2017, XXXX XXXX XXXX WAS DELETED XXXX XXXX.. These reports was on my file FOR YEARS AND NOW Im seeking remedies for all wrongfully actions from XXXX furnacing those accounts to their Website & I XXXX XXXX didnt give anyone the rights to breach my privacy. My privacy was invaded and once again I didnt give anyone the permission to use my credit in their likeness and I demand.
Consumer complaint received 2022-08-01
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Sent to Consumer Finance on XXXX at XXXX XXXX  : ANOTHER THEFT OMITTED WITHDRAWAL : XXXX at about XXXX XXXX  Amount : {$3.00} OTHER THEFTS : XXXX XXXX United States of America XXXX : XXXX XXXX XXXX XXXX XXXX : Citibank Citibank admitted to omitting transactions out of my account in the amount of : $ XXXX ; $ XXXX and XXXX -- -- Representative XXXX never returned call as expected to discuss the THEFT or issue refund on XXXX. 

Conversation Details : Theft is by creating duplicate for purchases to hide omissions and Citibank will tell the client " I do not see the transaction! '' Blind transactions -- -- money taken out via a loophole affecting audit yield. 

Representative XXXX is conducting 'research ' on my Citibank account as per his statement today XXXX ; XXXX stated that he will call me during his night shift : Advisor : XXXX XXXX Citibank ID : XXXX ) at about XXXX XXXX  today XXXX ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (GA)

In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. 

I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Inaccurate/Fraud Account ( Not mines ) XXXX XXXX XXXX XXXX is a debt collector Account name : Paypal Account with account number XXXX : 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates
Consumer complaint received 2022-12-12
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: JPMORGAN CHASE & CO. (MI)

15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 Section 604a Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CVB FINANCIAL CORP. (CA)

On Thursday, XX/XX/2022. I was prevented from entering Citizens Business bank located at : XXXX XXXX XXXX XXXX XXXX Ca. XXXX, by XXXX XXXX who introduced herself to me as the vice president of the bank. When I approached the front door, I heard it lock and I was met by XXXX XXXX who made me explain through the glass doors ( for several minutes ) during business hours, why I wanted to come in. I explained to her that I was a customer and XXXX XXXX asked me to show several forms of ID, including debit card, Driver 's license and also made me recite my account number all while behind a locked glass door. I was finally allowed to enter the branch. I filed a complaint with the corporate office and spoke with XXXX XXXX, regional branch manager the next day. She took my complaint and said that she would speak to XXXX and get back to me by Monday. Monday morning at XXXXXXXX XXXX, I went to a different Citizens Bank, in XXXX Ca. which is way out of the way, but I felt as though I'd get better treatment there than back in XXXX again. I was met by a friendly banker that was eager to help. She said that she saw something on my account that was strange. There was a note on my account that stated to call the Vice President before any money could be taken from my account. The banker told me that was strange and that she had no idea why this would be on my account. It was a flag. She made the phone call to XXXX XXXX, assistant vice president. XXXX wanted to know why I was taking my money out and said that it was " too dangerous to have that kind of money on me '' and also asked the banker if I had anyone with me. The banker was then asked to hand the phone over to me where I was questioned about my account and asked if I was planning to close my account and if I realized how dangerous it is to have that amount ( XXXX ) on me. I told XXXX that this type of treatment by Citizens Bank is absurd and that I would be making a complaint against the bank for being locked out at the XXXX branch and also for having my account flagged for no reason and needing to explain why I wanted to take my own money out of my account. She made me sit through a short lecture, the same type of lecture and screening that I had to endure in her office for two hours when I opened my account. When I hung up the phone, the teller was embarrassed and apologetic and explained to me that this type of behavior is extremely abnormal and that it is not unusual for a client to withdraw XXXX from their account. She explained that they see much larger transactions on a daily basis and that the only time an account would be flagged like his is if there is suspected fraud. I was completely embarrassed once again and mortified once again by Citizens Business Bank.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

in accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 15 U.S.C section 602 A. states'| have the right to privacy.15 U.S.C 1681 section 604 A : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2022-08-01
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. (VA)

I've asked several times that " XXXX XXXX XXXX '' be removed from my account as it was an act of fraudulent activity. it still hasn't been fully removed after 7 years of disputing this issue.