davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/XXXX XXXX XXXX XX/XX/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 Pursuant 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon the consumer report being fair and accurate. Reviewing my consumer report I discovered that my report is reporting inaccuracies, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished. And I was never notified when during your companies initial investigation that this was going to report this information pursuant to 15 USC 1681 ( a ) ( 1 ) this grave error has undermined my confidence and trust in your companies.

I have given the credit bureau 90 days for investigation and haven't receive any proper remedy for the errors that occurs on my account. I have properly contact the credit bureaus along with the company that initially used my credit card without my permission.
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I opened this account with Chime because of their advertised 1 % interest rate for savings. Once opened, I began to transfer my savings to my new Chime account - an amount of {$33000.00} in total. On XX/XX/XXXX I received an email that they required information related to my deposits. I provided this information. I later received an email on XX/XX/XXXX that vaguely requested documents. I queried this email and asked for a list of documents that they needed to resolve the matter. They did not respond and my account was suspended on XX/XX/XXXX. 

I called on XX/XX/XXXX to follow up with them, since I had not heard back. On this call, they told me what documents they needed. These were sent on XX/XX/XXXX and they told me that I would have a response within 24-48 hours. I have not had a response since. 

I have made contact multiple times by email and phone. Every time I'm told that my case has been escalated and someone will get back to me in 24-48 hours, but this does not happen. I have provided all of the identification and documentation that they have requested in order to verify the account, but still I receive no reply. 

This company is now acting in bad faith and unnecessarily restricting access to my account and my funds.
Consumer complaint received 2020-05-04
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: Lendmark Financial Services (MN)

I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 

In accordance with section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you Permanently Block business records relating to the fraudulent accounts and identifying information identified above from appearing on my credit report.
Consumer complaint received 2020-05-04
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: Second Round Limited Partnership, Austin, TX Branch (MN)

I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 

In accordance with section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you Permanently Block business records relating to the fraudulent accounts and identifying information identified above from appearing on my credit report.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

HI PRA ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America was notified of a fraud charge. They closed account opened new credit card and didn't remove XXXX fraud charge that they said they would. After many hours calling BOA no one can help they drop my calls the fee are out of control and I can't get the problem solved
Consumer complaint received 2019-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (PA)

Us bank {$1400.00} date account was fraudulently opened XX/XX/XXXX I reported this account a fraudulent account to the creditors and they refuse to take this off my credit damaging my credit after I reported this to the creditor multiple times 2. XXXX XXXX XXXX {$1500.00} date opened XX/XX/XXXX I reported to the credit that I didnt I have a car to open a maintenance account and told them that I was a victim of identity theft and that my info was stolen and XX/XX/XXXX/XX/XX/XXXX and the creditor insists on reporting this on my credit
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by AMEX.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (GA)

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 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 2022-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (PA)

I contacted all three credit bureaus to dispute a collection stating that the debt was not valid from XXXX XXXX services ( they filed it this month but the original account was in 2016, they also state that the debt was for {$740.00} ) I also contacted the original creator who also confirmed my claim by saying no record exists of any outstanding amount from a previous account of that amount! XXXX did their investigation and found my information to be correct and removed the discrepancy from my credit record but Equifax did not, they claimed that it was verified but not by the original creditor ( XXXX Bank ) instead they never cross-referenced the information with the original creditor, and the collection agency to insure that the information they were reporting as delinquent was correct! My complaint is this : The credit reporting agencies play a big role in the viability of a person 's life and they should do the task of an investigation wholeheartedly and always as complete and thorough as possible when short-cuts are taken the impact on a consumer could be severe and unmitigated! Equifax claims this is how they do disputes they do not check the information with the original creditor just the current reporting entity which is a disservice to anyone who files a dispute against a second or third party! They must do a complete and thorough investigation regarding all viable parties to ascertain the viability of all such claims!
Consumer complaint received 2022-06-30
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. (CA)

I sent Experian a notarized letter. Stating that they have violated my rights under the Fair Credit Reporting Act 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 an 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.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I made a payment in full for my account balance and the manager stated he was waiting fees. They removed money from my checking  account on XX/XX/20 but as of XX/XX/20 I called and have been on hold 2 hours and transferred to 3 different people who are saying my account is flagged for fraud. They are giving the reason that I made a payment with a XXXX XXXX account then a XXXX credit union account the next time so that Im suspicious. I didnt know it was against the law to have a bank and credit union account. And if thats were I had the funds to pay and they got paid why is my card flagged for fraud 12 days after they took the money the believe is fraud? We are in the middle of a pandemic and they wont allow me to use my card after Ive paid my balance in full and they still havent removed the account fees that they promised when they took the payment. XXXX employee id # XXXX XXXX Should be fired and not have a job. She is going to be the cause of this matter escalating and costing the bank a lot more money in court for how Im being treated. I also never gave you authorization to save my payment info, only to take one time payments. You are misusing are storing information you have no right to collect and then using it against me when I done nothing wrong. Both XXXX XXXX and XXXX accounts are mine and thats not a valid issue to flag me for fraud or leave me on hold hours.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TN)

XXXX XXXX XXXX XXXX has not sent me my Tennessee unemployment card. It should have been here weeks ago. What is so frustrating is that their website does not have any type of email assistance and has no chat and I've been on hold for hours trying to call customer service. There is literally no way to reach them I can't even report the card lost or stolen because I don't have a card number to give them how can I give them a card number if I've never received the card. This is beyond frustrating and something needs to be done
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

My work car was illegally towed, provided laws that were broken, dr documentation and etc. the company forces you to pay to get the vehicle out holding it hostage. I have zero consumer protection with chase regarding this which is embarrassing as they essentially are agreeing to pay a criminal activity because I know they are doing more than just my car. They illegally made me pay XXXX  dollars. If you don’t think this is a fraudulent company go and visit them. You don’t even see one real person. They lie and tell you the wrong info to keep your car longer. There was never a warning or anything applied my car was stolen and I had no idea where it went because I never received notice. On top of this they don’t even tow actually illegally parked cars as there are cars parked in the middle of the road and in front of fire hydrants and intersections. Seems like they have some sort of selective discrimination here since I’m XXXX
Consumer complaint received 2021-06-21
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: Santander Consumer USA Holdings Inc. (CT)

these accounts dont belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

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

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

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

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Central Mortgage Funding, LLC (MN)

We did a refinance and credit cards were added to the payoff without our knowledge. So for 2 weeks we have tried to contact 2 different people that we worked with. Nobody has helped us or returned our calls to fix this. The title company sent 3 checks. For these payoffs, problem being they are/were already payed off and we had no knowledge of them being included on the loan we were never told. Now we have 3 checks sitting in the house that we cant do anything with.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, around XXXX XXXX, I transferred money from my JPM Bank account to my XXXX  XXXX XXXX account. Noticing I didn't receive a notification of transaction, I contacted JPM Bank to see what had happened. Then the JPM Banking representative confirmed it has been moved to an account on a number I no longer had but it was mine prior. On XX/XX/2022 I changed my phone number and I changed it to my account on both parties, however, JPM Bank did not update my information and sent the money to the wrong party. After this incident I had multiple contacts with a lot of JPM Bank representatives, including a supervisor, that refused to help me further in investigating and they stated that it was my fault for making the transaction. I was left with no answer. I called several times and all of the calls were terminated on me. Again, I was left with no answer or help. When receiving a letter from JPM Banking, I got proof from the bank stating it was sent to my bank account on XXXX  XXXX XXXX but my bank statement says otherwise, since I never received the transaction. Furthermore, my case was open and closed several times. On XX/XX/2022, a JPM Bank representative stated that he would re-open my claim and I would be able to fax documents, one stating that I have received a letter from JPM Banking of the claim and another one that would prove that the phone number the money has been sent to was mine. On XX/XX/2022, while trying to fax the documents, another JPM Banking representative refused to get the fax documents and stated my claim was closed, again. I have had enough patience regarding this matter. For almost a month I have been trying to dispute and fix this matter and I still do not get an answer nor do I get the claim open with any further information or proof.
Consumer complaint received 2019-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (TX)

I have disputed this account from Santander Consumer many times, only for it to be verified and remain on my credit report. How can an account be verified if it does not belong to me? I have even called and requested Santander to provided me proof of my Authorization. I also mailed a letter along with my police report for identity theft. I do not know what date the Debt started.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc. (CA)

Hello, I hope that you are well and that you had a good weekend. I have a complaint against Google Pay, specifically Google Pay support for misleading advertising and not adequately following up with me. I will provide screenshots of my correspondence with them. After initially running into an issue on XXXX XXXX with their XXXX XXXX XXXX and Cashback offers, I contacted Support and was told that I would receive a payment to my account shortly. After many attempts to contact them, I found that I was unable to get ahold of the representatives and receive updates. In the emails, you will see that I have opened around 5 cases for the same issue and it has been escalated numerous times, to little effect. Usually what happens is I get in contact with them, finally, and then they tell me that they need to consult with some other representative and that they will get back to me within 24-48 hours. Sometimes I would go a week without a response, and when they finally respond, it is another representative telling me to wait another 24-48 hours. This has gone on for two months. They also will not assist me in filing a complaint with their supervisor. I have provided all the required information that they asked for in a timely manner and have been diligent in following up. However, they have not returned that courtesy. So far I was told that someone would contact me again but I have not heard from them within their timeframe.
Consumer complaint received 2022-10-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-04-25
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. (MI)

I have disputed 2 accounts that are listed on my credit report for 6 months. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX 
{$420.00} XXXX, Experian and XXXX fail to provide actual legitimate verification. 

Please provide the bill of sale/transfer related to this debt. 

This reported account is inaccurate and can not be substantiated.