davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX : {$5500.00}, Original creditor : XXXX Balance : {$390.00}, 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
Consumer complaint received 2021-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MN)

Cashapp. I accidentally sent XXXX to two people in stead of one. I requested a refund like this app told me too but the receiver did not have access to his account anymore. I contacted cashapp support and basically was told that they can not cancel the payment even though it had not been accepted or received I litteraly tried for hours to reach someone they asked for Info such as who was the intended recipient and a bunch of info about him but said sorry next time verify who you send money to.. well obviously my phone was in my purse and it just added this person by mistake. I dknt understand why it couldnt be canceled immediately the other person didnt even accept the payment. Also when you try to reach support they say its outside of business hours all the time I called and it just hangs up chat they dont respond for hours and when I finally see they did they are gone again
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Block, Inc. (MI)

I received an Unearned Income Letter from The Department of Health and Human Services saying that I own stocks. I don't recognize the amounts, and when I searched the address nothing shows up. The amounts are also very odd, like one is for XXXX  dollars lol.

They are all from the same company address, yet each have different account numbers.

Reached out to the company, SQUARE INC, they say they don't know either.

Emailed ; called, and tweeted the IRS a lot, no response lol. Contacted Social Security since I'm low income, they said to contact you because it sounded like fraud.
Consumer complaint received 2023-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX XXXX received an notification from XXXX that my credit decreased XXXX points due to an collection account that I have No knowledge of on XX/XX/2023, no one havent contacted me about this unknown collection balance for {$950.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then ask the credit Bureau for a verification for the collection so they did and stated everything was accurate. I did a review on the report and theres no information was shown that the debt belongs to me. I asked for verification such as Address, phone number, contact agreement, signature and witnesses for confirmation. This collection is forcing a debt on my credit report that is impacting my score tremendously and is unfair. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 secion 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 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I called Chime because I plan to start using my account again and saw that I still havent received the Referral Bonus in the amount {$100.00} nor did my friend XXXX XXXX who referred me. 
I signed up with Chime allegedly on XX/XX/XXXX and I say allegedly because I cant even see my sign up date online which is odd but thats what Chime customer service is telling me. The requirement to get the Referral Bonus is you have to receive a deposit of {$200.00} or more by an employer no later than 45 days after signing up with Chime and I received a direct deposit on XX/XX/XXXX in the amount of {$250.00}. I received a couple deposits from employer XXXX before then but the amounts were less than {$200.00}. So I received the qualifying amount on XX/XX/XXXX but that was 14 days after the 45 day mark so I did not receive the {$100.00} bonus nor did my referring friend XXXX XXXX as I was at the mercy of my employer to pay me.
Consumer complaint received 2023-05-01
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: CMRE Financial Services, Inc. (OK)

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.

45.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an XXXX open end consumer credit plan as late for an purpose. 
XXXX
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I obtained a credit card from XXXX XXXX via Synchrony Bank. At No Time was I told I had a Specific Time to pay off the debt or I would have a Balloon Payment. I made a XXXX dollar payment onXXXX on a balance of XXXX dollars. That should have given me a XXXX dollar balance. With an interest rate of 29.99 %, that is XXXX dollar charge! I just received the bill for XX/XX/2023 and they are charging me a XXXX interest charge. I called and talked to a representative ( XXXX ) and he says it was part of the deal. 
At no time during my visit to XXXX XXXX was I informed by the salesman OR the credit representative. I would have Never agreed to it and I would have just used one of my established credit cards. They were very sneaky in getting me to acquire their card. I just made a XXXX payment and that is All they should expect and then cancel my business with them. Thank you
Consumer complaint received 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc. (CA)

We were sold a fully self driving XXXX to make my wifes long commute to work easier. When we inquired about challenges with the fully self driving feature that appeared during the XXXX XXXX ( it literally almost crashed multiple times ), the store salesperson told us it would be fixed with a software update. It has not been fixed. My wife now drives to work manually because she is not comfortable with the feature that enticed us to buy the car. So basically we paid an XXXX deposit, financed XXXX and went through an awful, dishonest sales process for nothing. I have filed multiple complaints with groups including XXXX ethics department, a third party ethics firm Confluent ( or something ) who apparently helps XXXX with stuff like this and with multiple government agencies and have gotten no response. However, a lawyer from XXXX did look at my XXXX profile if that counts for anything. It would be great if someone from XXXX would reach out to me to at least talk about my experience. This is the definition of criminal. Their CEO, XXXX, seems to be much more preoccupied with tweeting ( XXXX? ) made up nonsense about the presidential election than with properly running a company that makes machines that can kill people.
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (NC)

The Credit Bureaus stated that my XXXX XXXX  XXXX account was properly investigated, but how is that possible if the Account Status is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Creditor Remarks are inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 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.

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 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AZ)

I submitted an online application to Chase ( subsidiary of JP Morgan Chase & Co ) for a Sapphire Preferred Credit Card on XX/XX/2023. I have a security freeze on my XXXX credit report due to identity theft & the discrepancies XXXX has not taken off. I do not wish to lift the security freeze. The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants exercising their right in good faith under the Consumer Protection Act. 

I received a letter from Chase XX/XX/2023. I spoke to a Chase Representative on XX/XX/2023 to let them know I would be sending a letter of this similarity so they would not close my application ( or at least extend the time allotted for me to reply via postal mail the same way they replied to my application ) but they did not allot enough time to do so as there letter states I must lift the security freeze within 14 days of their dated letter ( XX/XX/2023 ). It is as if they are trying to coerce me into lifting my freeze or else. 

Credit means the *RIGHT* granted to an applicant. ( 12 CFR 1002.2 ) I do not wish to be discriminated against due to a credit report that has been compromised.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (GA)

LexisNexis refuses to show two accidents on my report as NOT AT FAULT, which is preventing me from getting car insurance and risking my financial health. I am currently consulting with a lawyer who will represent me on a contingency to sue them for not correcting this. I filed a dispute with them showing my concrete proof : both XXXX  and XXXX XXXX XXXX  that these accidents are NOT AT FAULT in their systems and I have letters from both stating such. Both police reports for the incidents show I am not at fault. But every time I try to use a car insurance broker, they pull these accidents and they show at fault and they blame LexisNexis for this. I should not have to pay a downpayment and {$500.00} a month for insurance on a paid off car with a perfect driving record because Lexisnexis REFUSES TO SHOW THESE ACCIDENTS AS NOT AT FAULT. I AM PREPARING TO SUE AND THIS IS NOT AN EMPTY THREAT. I HAVE ONE LAWSUIT IN FEDERAL COURT AND TWO IN CIVIL COURTS. I WILL PURSUE YOU. THIS IS UNFAIR AND ILLEGAL.
Consumer complaint received 2023-04-30
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. (NY)

Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting all 3 credit bureaus to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MD)

On XX/XX/XXXX my phone was lost and from that date up until like XX/XX/XXXX something my card was compromised through XXXX, someone hacked my XXXX, changed the email, the address and took about XXXX dollars, I didnt notice until it was time to actually use my card to pay a bill because its my savings card, and My bank card was connected to my XXXX  in my stolen phone, I contacted XXXX, no help and I filed disputes with my bank which is chime and they literally decline it everytime a day before they are suppose to issue my credit, I even have a police report, and I been going through this since XXXX, I emailed them and told them I will be contacting the bureau to take matters in my own hands so here I am
Consumer complaint received 2023-07-06
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: LendingPoint Holdings LLC (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (NC)

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Creditor Remarks say my card was lost or stolen. They also unlawfully reported my payment history in these months and years XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, and XX/XX/2015 each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

my problem with Synchrony. I was offered this card at XXXX XXXX XXXX for a computer purchased in XX/XX/XXXX. 
I set up automated payments and till XX/XX/XXXX saw my balance go down to {$570.00}. I was told at purchase that payments are 0 % rate. Last night I saw my balance jumped to {$2200.00}. comprised of the {$570.00} and the rest is an accumulated interest rate of 29.99 %. Apparently, I did not know, I had a deferred rate of XXXX and I was supposed to pay balance off in end of XX/XX/XXXX. Only the bottom of the digital statement that I hardly ever open vaguely explain something. I never received a letter, or a warning. I was under the impression I was almost down with the loan. I have a high credit score and am always paying on time. had I known I would have paid this balance a long time ago. It was never explained to me. I would never do this to my limited income and knowingly add such a debt! I paid {$400.00} last night and the XXXX and XXXX and XXXX monthly payments so that balance is now {$2000.00}. In total I already paid for the computer and some of the accumulated interest. I called and spoke to 3 managers and none offered a solution. They all say they can not do anything, that these are the terms. I refuse to believe that this predatory rate is even possible and that I owe again thousands of dollars. I am requesting a human fair solution that understands my situation. Not a robotic one.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (GA)

Back in XX/XX/XXXX. Wellsfargo reported false information on my credit report. This issue was on going all the way until XX/XX/XXXX. Someone from the Home mortgage consultant claimed the issue was revolved. Here it is as of XX/XX/XXXX. How is the same information is reported with something new to the same closed account which been closed for some years saying I own a balance and trying to make resolve an account thats not mines to include this information is reported again on my credit report. The amount owed is {$1800.00}. WellsFargo and they have sold or traded my information to XXXX XXXX and requesting I pay a balance of {$610.00} amount and a balance of {$710.00}.
Consumer complaint received 2023-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Creditor Remarks say my card was lost or stolen. They also unlawfully reported my payment history in these months and years XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, and XX/XX/2015 each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IL)

I attempted to Log into my Coinbase account while on vacation in XXXX on XX/XX/2017 and received notice that my account was being suspended pending evidence of my US residence. I immediately provided this evidence the very same day but, now more than 2 weeks later, I am still waiting for restoration of access or any sort of followup from Coinbase. 

The situation has been both frustrating and financially harmful, given the fluid nature of virtual currency trading and the need for a rapid response to price fluctuations.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!