davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NY)

I received a notification to my email that an account had been opened with Chime ( without my consent ). I thought maybe someone did this by accident, so I contacted them. However somehow someone used my maiden name, social security number & email address to open an account with chime. They were able to request a credit card to be sent to an address in XXXX which has never been associated with me. I tried to change the phone number ( which was also never historically associated with me ) on the account to recover it & shut it down myself, but was unable to do so despite providing a copy of my drivers license and taking a selfie to confirm my ID matched. Additionally they issued a bank account/routing number to my email as well. Luckily because my email was used I was able to catch this pretty quickly. 

Having worked in banking & XXXX auditing specifically, this was INSANE to me. Their CIP procedures definitely need to be scrutinized as this all occurred within less than 24 hours ( XX/XX/23 ).
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted the required information to the three major credit bureaus to have my information that was a result of identity theft to be removed and or blocked within the four days required by FCRA 605B and they have not done so. XXXX Transunion and XXXX have failed to remove the fraudulent accounts and inquires as required by the statue.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION AND FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND SHOWING PROOF THESE ACCOUNTSDONT BELONG TOME.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I opened a new card with American Express in XX/XX/2023 branded as a XXXX XXXX XXXX XXXX XXXX. The card came with an offer of XXXX bonus miles after spending {$2000.00} on the account and no annual fee for the first year. Today I tried to cancel the card and was told that the bonus miles I earned would be clawed back if I canceled this card before 12 months. I did not see this in the offering materials I was presented. Further, it is very misleading to have a headline offer for bonus miles for spend and no annual fee for one year but I can't cancel the card before the date where an annual fee will be charged. I want to cancel this account, retain my properly earned miles, and not be charged an annual fee to do so.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AL)

On the XX/XX/XXXX I tried to make a transaction for XXXX it did not go through on the merchant side but wells fargo processed the payment. The merchant and myself made a phone call to dispute the transaction. I was then told it would fall off in two or three days and if it did not they will credit my account. They credited my account like they said and I assumed everything was fine now. Well I get a letter today XX/XX/XXXX stating that the found the charges to be aild and they will take the XXXX they credited back. I have called and went around with these people and asked them to pull the tapes from that day. They say they cant do that and on top of it everything from the XX/XX/XXXX is now magaically gone. Nobody said this would a temporary credit pending investigation and I dont feel I should pay for there mistakes!!
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MD)

I noticed yesterday that my pending transactions were going to put my checking account into the negative. It would've been the last largest transaction. This would result in 1 overdraft fee. This morning, the last largest transaction posted first before the smaller. This resulted in 4 overdraft fees instead of 1. The bank has consistently rearranged my  transactions from greatest to least regardless of how they arrived to my account.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING, I HAVE THE RIGHTS UNDER 15 USC 1681. TRANSUNION IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, TRANSUNION AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit 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. (NE)

XX/XX/XXXX  Chase notified me via text of suspicious activity on my account from a XXXX merchant. In the text, it requested I review my transactions and report any that were not valid. After checking and seeing multiple charges from the same/similar vendors, I called to report the other purchases. I was told this would be included and removed. 

I received my new card. I checked to make sure the other transaction ( s ) were removed. They were not. I called, and was told they have this submitted and it will be removed in about a week. A week came and went and it was not removed. The other transactions had been, however. There was still a XXXX charge from this vendor that had not been removed. 

XX/XX/XXXX  I called again asking about the credit. I was told this will be on the account the following day, XX/XX/. 

XX/XX/XXXX  the transaction was still on my account. I called 3 times this evening. I continually was told the transaction credit was there. I was lied to, hung up on, they muted themselves, would not transfer me to a supervisor, and continually insisted I was not looking at the transaction history correctly. On the last phone call I asked for a way to submit a screenshot of what the XXXX is showing, since clearly if a credit is there there is a problem with their customer portal not pulling in the backend transaction tables. I took a screenshot before the 3rd call so I could assist them in researching their problem, since although I asked for a payment history on the first call I was hung up on instead. 

The last individual transferred me to their web support team to report this XXXX issue. When I was transferred, magically the credit now appeared. I have a screenshot prior to that last phone call that clearly shows the credit was not there.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC (ND)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Incorrect personal info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union, XXXX, and XXXX have 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 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 or 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 believe that the data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services (CA)

I am writing to formally dispute and request an investigation into the inaccurate information that is currently being reported on my credit report. After reviewing my credit report, I have identified discrepancies related to late payment accounts. The accounts in question are reporting late payment statuses, but I assure you that these accounts have been paid on time, and the information reported is inaccurate. 
Below, I have provided details of the disputed accounts : MB FIN SVCS  XXXX I kindly request that you conduct a thorough investigation into the discrepancies mentioned above and update my credit report accordingly. The accurate information is that all payments on the mentioned accounts have been made on time, and there have been no instances of late payments. Therefore, the late payment statuses and incorrect dates negatively impact my credit score and financial reputation.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (VA)

This is a complaint against unfair account practices with my PayPal credit account. My account is in good standing and my line of credit was decreased dramatically without my knowledge. My PayPal Credit/Synchrony Bank account limit was {$800.00}. I made a payment on XX/XX/XXXX in the amount of {$770.00} to pay off my balance. I logged in today XX/XX/XXXX and saw that my credit limit was dramatically decreased to {$100.00} without my consent. I spoke to a customer agent agent today XX/XX/XXXX and she informed me that an email will be sent XXXX hrs from the time it was decreased which was XX/XX/XXXX. The email should explain the reasons for the decrease and she also mentioned that PayPal Credit will do an account review randomly. I find it weird that my credit limit was reduced after I paid it off. Its like Im being punished for paying off my balance?! It simply doesnt make sense. I was transferred to a supervisor and he told me the same thing and mentioned that the review is according to the terms and conditions of the account. So basically he couldnt do anything about it. He said that I can always apply for an increase and it will be hard pull. The letter/email shouldve been sent prior to the decrease as a warning before you decrease anyones credit limit. Im finding out about this decrease when I havent even received a letter yet. I would like PayPal Credit/Synchrony Bank to correct this and increase my credit limit back to {$800.00}. This will mess up my credit usage/utilization and affect my credit score. The email on the account is XXXX.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (OR)

On XX/XX/XXXX and XX/XX/XXXX my debit card was fraudulently charged. There were XXXX transactions totaling {$630.00}. XXXX transactions for {$39.00} and XXXX transactions for {$110.00}. I disputed all XXXX transactions on XX/XX/XXXX. 

On XX/XX/XXXX I was notified that XXXX of the XXXX transactions had been ruled in my favor, but XXXX transaction was deemed legitimate. On XX/XX/XXXX Ally withdrew {$110.00} from my account as a reversal of the previous Provisional Credit. 

On XX/XX/XXXX I called to discuss this with Ally and was told there was no appeal process, but that I could request documentation that Ally used to make their decision. I made this request and was given reference # XXXX. I waited the XXXX business days stated but never received the requested documentation I called back on XX/XX/XXXX and it took XXXX minutes to finally reach a point where I just had to submit another request that was identical to the XXXX. This was given reference # XXXX. 

I asked to speak with a supervisor who then spoke with " back office '' and was told that the original request was fulfilled and the information had been emailed, after it was clearly stated the information could only be sent via the postal service. Regardless, I never received an email with the documentation. 

This process has been cumbersome and Ally appears to have made misleading and false statements while not producing the required documentation.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

I tried to contact XXXX by mail (XX/XX/2019) to verify the information they are reporting to the Credit Bureau several times. They finally sent me a copy of a Promissory Note on (XX/XX/2019). The above date is not the first time I have asked them to verify they information, no response. The information is past 7 years old and they do not hold the account anymore. The loans are consolidated with XXXX XXXX. XXXX has reported than I was late on some accounts and not late on others. Basically ALL the information they reporting is incorrect.
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc. (NV)

The XXXX has not worked since XXXX of this year and has been parked. I had kept up with the overall maintenance and I didnt understand why. 
I was advised to take it to the dealership as the XXXX engine was under recall. 
After contacting XXXX Consumer affairs Reference no # XXXX  XXXX The engine is under recall and quality to be fixed. 
Understanding that to be true I took the car to the XXXX dealer XX/XX/XXXX XX/XX/XXXX the dealer contacted me and said that although its engine failure that its not covered and it was then I contacted GM financial asking them to please take the car back during a conference call with my husband. XX/XX/XXXX GM agreed to take the car back and told me that it would show as a repo. The company left the car abandoned at the dealership after agreeing to take possession and is aggressively pursuing payment.