davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (TX)

I My name is XXXX XXXX I had an account with chime online banking this was around XXXX to XXXX and on XX/XX/XXXX I was issued a government check in the amount of {$1200.00} they told me that the account was suspended and closed giving me no explanation why it was closed or suspended telling me security reasons and hanging up in my face so I called back over and over and over again telling me that the account has been closed and you need to reach the 24 hour supportive team by email I sent email over and over nothing here it is almost two years later and they still will not release the money or unsuspend and reopen account this is been long overdue all I want is my money and compensation for my lost time while the money was sitting in the account that they closed do the company negligence the account number for the prepaid bank is XXXX XXXX XXXX and I do not have this credit card anymore XXXX XXXX XXXX XXXX expiration XX/XX/XXXX XXXX security code XXXX my address is XXXX XXXX XXXX XXXX XXXX Texas XXXX my email address is XXXX and my telephone number is XXXX XXXX XXXX and my husband XXXX XXXX his number is XXXX XXXX please call either one of us to handle handle these matters
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

We opened the account on with Capital One in XXXX of XXXX based on promotional materials we reviewed. 

On XX/XX/XXXX, our statement balance was paid in full, as well as some of the current billing cycle balance. 

On XX/XX/XXXX, we noticed our XX/XX/XXXX payment had still not been applied even though the funds had cleared our bank account. Per the terms of the monthly statement, it states that we will receive credit for a mobile payment " as of the business day we receive it, as long as it is made by XXXX XXXX ET ''. In this case we made the payment well before XXXX XXXX XXXX and according to the terms of the monthly statement, we should have been credited that day. 

On XX/XX/XXXX, at XXXX XXXX I spoke with customer service about the issue. I was told for the first time that all payments we make in excess of {$300.00} will receive a XXXX hold. Which is literally every payment one would make on this credit card. There is nothing in the Credit Agreement, our monthly Credit Statement, or promotional materials we received from Capital One that discloses this. Had we known this, we would have not have applied for their credit card.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

My rights are being violated as a consumer. I recently pulled copies of my credit report and noticed there is a bankruptcy being reported. I did request XXXX  equifax and XXXX  to remove it off my credit report I also sent a letter from the bankruptcy court stating they don't release linfirmation to the credit bureau. 
I am request this information be removed immediately
Consumer complaint received 2023-07-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I received a strange email at XXXXXXXX XXXX from Citizen 's Bank telling me that my application was denied. I never submitted an application for Citizen 's Bank and have no reason or interest in having an account wirh Citizen 's Bank since my bank is with another entity. I was unable to call Citizen 's Bank about the fraud because it was after hours and a holiday so I filed a complaint online with Consumer Finance Protection Bureau. 

I am concerned that someone has my personal information and is attempting to do me harm.
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an adjustment of the following erroneous information on my credit report : 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 EXPERIAN 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 2023-07-03
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: Experian Information Solutions Inc. (FL)

UN-AUTHORIZED INQUIRIES 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 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/year> I placed two charges on my account. I entered the number on the website where the charge was being placed. I was never notified by the vendor or American Express ( the card I was using ) that the charge would be treated as a cash advance. 

Regardless, I pay my bill in full at the end of each month. I do not carry a balance since my American Express card is a charge card. In XXXX, I noticed American Express was charging me interest on the charge they treated as a cash advance in XXXX. This is despite the fact my balance was paid in full at the end of XXXX. I contacted them. They removed the interest rate and refunded me the monies. 

Then, it happened again in XXXX for the same charge that happened in XXXX. American Express was charging me interest. They have continued to charge me interest each month despite the fact my balance is paid in full at the end of each month and despite the deceptive way they characterized the charge as a " cash advance '' with XXXX notification. I did not receive cash as a result of this transaction. I charged an amount online so my family members could place bets for the XXXX  XXXX. I simply entered the numbers on my card, just like I do when I use the card for something at XXXX. 

My complaint surrounds the deceptive way they characterized the " cash advance '' without any notification to me. 

It also involves the monthly interest charges. Regardless of the characterization ( which I dispute ) even if it was a legitimate cash advance, I paid my balance in full at the end of the month. There should be no interest charge whatsoever. 

I've contacted American Express multiple times. I've asked for policies related to cash advances and notifications. I've asked for supervisors since it is concerning about how they are justifying an interest charge in this case. None of those actions have produced a remedy thus far.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX I received a notification that my Apple Credit Card ( issued by Goldman Sachs ) was being used at anXX/XX/XXXX. As I was sitting at home, it was clear that this was being used fraudulently. Before I could cancel the card, it was used a second time at a nearby store. Afterwards, I was able to cancel the card and was in touch with Goldman support to let them know about the fraud. The following day on XX/XX/XXXX, they applied a refund to my card in the amount of the fraudulent purchase. I thought all was well. 

On XX/XX/XXXX the refund was reversed, and I was told I owed ~ {$1200.00} ( for the fraudulent purchase ). In addition, I was immediately charged interest on this balance. I have gone back and forth with Goldman  support over this past week and they seem unable or unwilling to fix this issue, and have also shared with me they have reported to the credit agencies that I have missed a payment, obviously not a good thing.
Consumer complaint received 2023-07-05
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. (PA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-04
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-07-04
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

The card was charged when I placed an order on a fraudulent website. During the purchase the merchant refused to ship my order unless I spent more money. I didnt want to buy anything else and said cancel my order. The merchant refused and then sent me a fake XXXX XXXX tracking number saying he has already started the process to deliver. I repeated told them to cancel, that the number was fake, refund my money as this was clearly a scam. I notified my credit card company. I sent the messages between myself and the merchant three times to Usaa. I made numerous calls with no follow up from them. They declined my dispute saying I never followed up. I called them XX/XX/XXXX, I was told they did receive my documents to prove my case but I need to send again. I called twice this day, resent the information. Today, XXXX my dispute is listed as declined due to never receiving documentation. Now Im expected to pay the stolen money for an item I never got and the merchant had no intention on sending
Consumer complaint received 2023-07-05
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. (TX)

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 my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-11
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

Used public records or records land listed at appraisal book 11 page 211. Improper purpose. Purpose of frsud, XXXX, pretending. City Municipal attorney XXXX XXXX, submitted through midland Funding LLC a fraud claim lawsuit. Midland Funding LLC pretending to be XXXX  XXXX. Over two years,, deprived rights of Title 18 section 242 violation. The title vii. First amendment, fifth amendment, Fourteenth amendments. I am a XXXX  XXXX. I have experienced hardship, identity theft, for almost two years fighting in court XXXX  Fraudulent transfer mortgage assignment claim and forcefully evicted of from homestead private property. I am an heir, and restricted property. Not a part of enterprise zone. Unfair advertising, restricted cultural land. Book 11, page 211. The citizen of XXXX XXXX XXXX XXXX XXXX, Florida. Deprived rights of police protection. homestead private property ownership rights. Senior citizens. deprived Title 18, SECTION 242., title vii. First amendment, FIFTH AMENDMENT, AND FOURTEENTH AMENDMENT. I am being severely discriminated by my city municipal attorney XXXX XXXX. City Attorney who is discriminating by targeting XXXX owners private property rights. advertising XXXX XXXX private property is a violation. XXXX XXXX XXXX  IS Restricted RESIDENTIAL. CULTURAL land, not part of the ENTERPRISE busines, commercial or municipal use. Presently, my heritage, personal private property. Restricted private property land rights is being STOLEN AND damaged. XXXX XXXX XXXX is being advertised, for PROFIT. THE real ESTATE LISTINGS on XXXX XXXX. it cultural related. XXXX XXXX XXXX is residential personal property. Not zoned for use of commercial properties or municipal properties. Yet I was forcefully evicted off my own Private property XX/XX/XXXX. Related, LOT XXXX PROPERTY APPRASAL FRAUD BIDDER, IS NOW IN someone else named, XXXX XXXX XXXX. XXXX XXXX XXXX LISTED AS NO LIMIT HOME IMPROVEMENT LOT XXXX. City lot XXXX address XXXX kentucky. personal property. My rights were Not protected by the police. Sheriff Giving me a twenty four hours to move out of my own Private property. XXXX x XXXX lot size. XXXX of an acre, targeting by Fraudulent conspiracy made by the city XXXX activities. Zoned residential, single family residential Land. Restricted use, was not zoned for commercial use or municipal use is not part of the enterprise zone. The City Fraudulent XXXX  transfers mortgage claims problem. Targeting XXXX single female, XXXX XXXX, property owner, heir property. Through the court used Midland Funding LLC. Inactive license, used bidder XXXX XXXX XXXX XXXX. Submitted Forged documents, robo signature. During this pandemic XXXX  hearing. Quiet lis Pendens filed XX/XX/XXXX by XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Midland Funding LLC pretending to be XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transfers Fraudulent Documents submitted. Fake bidder, XXXX XXXX XXXX XXXX XXXX {$130000.00}.
Consumer complaint received 2023-07-04
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. (WI)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX : {$1600.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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. (NY)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act Convergent 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 2023-07-04
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. (VA)

My name is XXXX 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 2023-07-04
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: Experian Information Solutions Inc. (NY)

i am resubmitting this CFPB attach my medical bill you told me you rejected my complaint please reconsider my dispute since you have told me to resubmit everything
Consumer complaint received 2023-07-04
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. (FL)

This is my fifth attempt since credit burea 's still have failed to respond to my previous disputes. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately. 

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 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 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 believe that the information is inaccurate.
Consumer complaint received 2023-07-03
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 believe that the information is inaccurate.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

I am submitting this communication to Synchrony Bank regarding alledged account XXXX XXXX # XXXX illegally REINSERTED violating the FCRA XXXX is now reporting in the CLOSED section on my XXXX credit report as of today XX/XX/XXXX. 

Therefore, I am submitting this communication under the provisions of FCRA XXXX ( a ) ( XXXX ) ( XXXX ). 

I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and received a response via CFPB XXXX XXXX XX/XX/XXXX stating account was DELETED. See Screenshot Attached ). Why was this account Illegally REINSERTED and again reporting in the CLOSED section of my XXXX credit report again today XXXX. 
Synchrony bank has illegally REINSERTED this account and I will get a lawyer if this alledged account is not DELETED again immediately.