davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (PR)

A charged appeared on my USAA Bank XXXX issued credit card in the amount of {$3700.00} on XX/XX/2021 I disputed the fraudulent amount charged to my credit card. I disputed the amount on XX/XX/2021. The amount appeared again on my USAA XXXX credit I call them to dispute the fraudulent charged they refuse to investigate. I am requesting the fraudulent charge of {$3700.00} to be removed and all fees, charges credited to my XXXX card ending in XXXX.
Consumer complaint received 2023-09-27
Product: Credit reporting 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)

I have been requesting for things to be deleted from all 3 credit bureaus since last year & they havent responded or even updated my credit details. Its costing me time & money. Im a victim of identity theft & even with the police report & all supporting documentation that Ive submitted. All 3 bureaus ignore me. Even up to this day I have to be paying for an credit lock & even with that credit checks are still being done this is very frustrating & I need to resolve the whole situation. Even my address & name is incorrect. As you can see its been going on since last year & im not getting any help from the credit bureaus.
Consumer complaint received 2023-12-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

My account, money and personal information was stolen 3 times from ''TD Bank '' within one month because they do not have any type of security in this institution. I believe since TD Bank was sued for stealing and overcharging customers on unauthorized transactions, etc. this is their new way to steal, by cooperating with cyber-delinquents that probably work for them too. No matter if the criminals confess they stole your account and your money, they do not do anything about unauthorized transactions, THEY DO NOT RECOVER OR REFUND STOLEN MONEY, no matter how small or large is the amount. THEY DO NOT PROTECT CONSUMERS PRIVATE INFORMATION. I will be next suing them after this, and I am also able to serve anyone as a witness. I have proof that my information was stolen from this bank, proof that the criminals refused to answer any question or justify the charges, and proof that the bank refused to do anything about after they neglected my information and account
Consumer complaint received 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST PORTFOLIO SERVICING INC (CA)

I applied for a Revvi credit card on XX/XX/XXXX  with reference number XXXX, on XX/XX/XXXX  I was asked to send certain piece of documentation they needed to continue with the application. These documentation was sent through Fax and regular mail. 

On XX/XX/XXXX  ( 4 days before the deadline of 30 days was over ) NOT A CALL but an email was sent to request a call back. I called them and they needed my Social Security card to have my signature. I told them it doesn't matter if I send this latter but they needed to finish the application process. The same social they got is the same social they will see with the signature on it. I was at the XXXX XXXX in XXXX at that time and told them I was gon na come back to the US on XX/XX/XXXX. When I did, I sent through email my Social with the signature one it, and the called. I was told they were going to contact the back office. They never did. 

All in all, The second time I called, I was told my application was denied. 

I believe Revvi application processing was delayed for no reason. And the unprofessionalism of the customer service was not helpful.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NV)

The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
Consumer complaint received 2023-12-26
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC (NY)

I have been facing unexpected challenges in meeting my financial obligations, particularly with regards to the payment schedule of the aforementioned mortgage account. Unfortunately, this difficulty arose due to the passing of my father, a situation that has been emotionally and financially challenging for me. I am reaching out to you to kindly request your understanding and consideration in this matter. I am sincerely committed to meeting my financial responsibilities, but the unforeseen circumstances surrounding my father 's death significantly impacted my ability to make timely payments. In light of these circumstances, I kindly request that you review the account associated with the aforementioned account number for any late payments and negative status. I am seeking your goodwill and understanding during this challenging time, and I would greatly appreciate it if you could consider removing any reported late payments and negative status associated with this account. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2011. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-12-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received 3 AMEX giftcards from my company all at XXXX each. 

I activated the cards on XX/XX/XXXX at attempted to use them for less than what was on the cards. 

I attempted the first 2 cards on XX/XX/XXXX at XXXX and both transactions were declined, one amount was about XXXX and the other was around XXXX. 

One of the orders contained a XXXX item that went through, but the larger XXXX item was declined. 

I called AMEX customer support and they said they " would make changes to my account and to try again in 24 hours. '' I attempted the 2 transactions again on XX/XX/XXXX and they were declined again. I even attempted to purchase smaller valued items ( {$25.00} ) and they were still declined. 

I called customer service again on XX/XX/XXXX and was advised to try a different merchant. I have tried XXXX XXXX XXXX XXXX XXXX XXXX and the card continues to decline even though the funds are there. 

On XX/XX/XXXX I attempted to use my 3rd AMEX giftcard and was approved for 2 transactions on XXXX ( XXXX and XXXX ) but any transaction after that has been declined, even though there is XXXX left on the card. 

I called again on XX/XX/XXXX asking for assistance on using these cards, the customer service rep said I need to use them at different merchants, to which I explained that there have been approved purchases on XXXX and now they are declined and I've tried different merchants and I'm still getting declined. I asked to speak with a supervisor as I have been having issues for almost a week with no resolution. I was put on hold for about an hour and then I was hung up on. 

I now have about {$510.00} left between the 3 cards that I can not use and AMEX customer service has done nothing to resolve. 

Note : I do not have screenshots of the declined items on XXXX because I had to cancel them so another card was not charged.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-01
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. (MI)

I am requesting that the credit Bureaus investigate and correct the items on my credit file that I believe are inaccurate and incomplete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Account XXXX Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to your company. 
( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 

I look forward to a speedy resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CT)

-- -- - I have been an authorized user on Acct # ending in XXXX for almost 2 years -- -- - In the past year, since XX/XX/XXXX, I transferred {$13000.00} into Acct # ending in XXXX from my own personal accounts. 


-- -- - On XX/XX/XXXX at XXXX, I withdrew {$3800.00} cash from Acct # ending XXXX at the Teller Counter at the XXXX XXXX in XXXX XXXX CT. XXXX # XXXX Session # XXXX XXXX # XXXX Teller : XXXX XXXX XXXX 


-- -- - Then I went to the XXXX, CT branch ( # XXXX ) and sat with XXXX XXXX XXXX and I requested my name to be removed from Acct # ending in XXXX ( for a personal reason : I no longer wanted to see transactions that my ex-partner ( XXXX XXXX ) was making on the account that were hurtful, which were multiple transactions pertaining to another woman ). XXXX XXXX XXXX completed my request at XXXX. 


-- -- - Then at XXXX, I deposited the {$3800.00} cash into my Acct # ending in XXXX at the XXXX XXXX at the XXXX XXXX. Transaction # XXXX Session # XXXX XXXX # XXXX Teller : XXXX XXXX -- -- - I also informed XXXX XXXX of my withdrawal & the breakdown of the amount at XXXX the same day. The money I withdrew was to pay the mortgage on a house that XXXX XXXX and I both equally own. This information doesn't matter, I had the right to take the money and do whatever I wanted with it. 


-- -- - 15 days later, on XX/XX/XXXX, Chase Bank reversed my CASH deposit of {$3800.00} from my Acct # ending in XXXX leaving my account in a negative balance of - {$2600.00} for over a month now!! 


-- -- - Not only was the {$3800.00} cash deposit wrongfully taken from my account, but now I can not even utilize my account to pay the house bills that are due. I use the Acct # ending in XXXX strictly for house related bills. 


-- -- - Someone at Chase Bank made a huge error by not doing their due diligence in researching to see that I was an authorized person on the Acct # ending in XXXX when I made the withdrawal. 


-- -- - Had I not removed myself from the account and XXXX XXXX went to the XXXX XXXX the next day ( as I was told ) the XXXX XXXX XXXX XXXX have seen my name still on the account and would have told XXXX XXXX there has been no wrongdoing, which there was NO wrongdoing! But because I removed myself from the account the same day I made the withdrawal, no one but XXXX XXXX XXXX was aware that I was fully in the right to make that withdrawal and no one did their homework FIRST OR even contacted me and no one in the claims department did their job properly to see that I was fully in the right to make that withdrawal. 


-- -- - And now here I am fighting for a month and waiting for the CASG that was wrongfully removed from my Acct # ending in XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've sent a letter to all 3 bureaus with laws backing my request. Haven't heard a response or seen an update on my report. I've attached a copy of the letters I've sent to them certified mail.
Consumer complaint received 2024-08-01
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. (AL)

XXXX XXXX has been notified of this billing Error and the inaccurate late payments in previous CFPB COMPLAINTS AND as well and communications and securities sent to the TRUST INDENTURE XXXX XXXX TRUSTEE XXXX XXXX. 
XXXX  XXXX has failed to do a reinvestigation and failed to provide the method of the investigations. The pre audit has determined a potential securities fraud issue with securities not being process in a timely manner. Also your trust indenture agreement and your prospectus clearly states NO SECURITIES WILL BE SOLD ON THE SECONDARY MARKET. When previous inquires were made regarding this manner, no REINVESTIGATION WAS PERFORMED NOR WERE THE METHOD OF THESE INVESTIGATIONS DISCLOSED.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX Balanced {$1000.00} XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$39.00} XXXX  XXXX XXXX Balanced {$1700.00} XXXX XXXX XXXX Balanced {$630.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-08-01
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)

I checked my credit report and found that some of the data were incorrect. The three 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 XXXX XXXX XXXX XXXX