davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NJ)

Received an offer for 18 months no interest and a 3 % fee in the mail with State Farm, which is my insurance company. I went online and was accepted and a month later i took the offer. There was a 3 % fee and they made a direct payment ( balance transfer ) to my other credit card for the {$13000.00}. When I received my first statment I saw a 3 % fee and an interest charge of {$200.00}. I called US Bank and was told they made no corrections on the phone andwould look into it and I would receive a letter in the mail. I received nothing. I called a second time and they said I had an option on my application and I didn't check the correct option to receive the no interest. I'm not sure why there would be an option to pay basically 20 % but I didn't argue with the rep. She told me they woud wipe all the interest with a {$400.00} deduction. By this time my interest was an additional {$220.00}, totalling XXXX. They told me they would wipe all interest but only wiped out {$400.00}. They also told me the could not see an offer with 18 months no interest. I believe both were untruths.
Consumer complaint received 2024-09-12
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)

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 2024-06-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-12
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

FOR sloan/ XXXX XXXX and XXXX has improper information. XXXX has removed this account from my credit report for inaccurate reporting.

It states i owe nothing for this loan and yet it is still reporting as late??? not possible if i do not owe anything. 

it also shows XXXX states its closed while still adding late payments and XXXX shows transferred while still reporting. 

I OWE {$0.00} ITS REPORTING IM LATE WITH XXXX AND THATS IM OKAY WITH XXXX
Consumer complaint received 2019-08-13
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: EQUIFAX, INC. (IA)

The following collection account is a fraudulent account and is not my account : XXXX XXXX XXXX, {$970.00}. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and XXXX   from the above Debt Collection Company. Thiss so unwarranted.
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

XX/XX/year> @ XXXXXXXX XXXX  the offered a settlement of {$690.00} when the account originally was XXXX. After expressing my hardship, the have tried to threaten me with Attorneys and law suite on the phone call. XXXX they are collection amount is incorrect they do not hold my account. This is preventing me from new housing and effecting my livelihood.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

As a military verteran, I attempted to refinance my existing home loan with USAA XXXX XXXX. I initiated the process in late XX/XX/2017 and worked with XXXX XXXX. During the process, I provided extensive information regarding my income, debts and the value of my home. USAA completed an appraisal and provided no less than three good-faith estimates of my anticipated closing costs. At most, the estimates for closing costs were no more than {$5500.00}. 

Two days before closing, I received an " updated '' estimate that placed closing costs at {$64000.00}. XXXX XXXX refused to explain the discrepancy and blamed it on an " underwriting decision. '' She promptly closed my loan file when I refused to pay the {$65000.00}. 

I wrote a complaint to the USAA Chief Executive Officer, who referred the matter to corporate representative XXXX XXXX. XXXX XXXX admitted that XXXX XXXX had made an error and explained that my case " would be used in training '' USAA representatives. Beyond the error, XXXX XXXX declined to make any corrections to the loan file or otherwise assist me. 

I believe that changing the loan terms at the last-minute, without any chance to address these issues, constitutes predatory, bait and switch lending under California and federal law.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I had to open the Citibank savings account so I deposited a few checks I waited to deposit the rest because there was a limit when I do try accessing my account a few days later it tells me that I dont have access to my account. I called Citibank and they tell me that my account is closed because of the checks that I deposited that they appear to not be paid which is very very impossible since I do get paid every week with the same company and I continue to but now deposit it in my original bank account XXXX XXXXXXXX and have no issue. Ive been working for the same company the past year and have had no issue, I tried everything in my power to get my money and they are not giving me my money back. I told my job that is there anyway they can reissue the checks and they tell me that the checks have been cleared, but it is clearly impossible because I do not have access to that account that was closed or the money. 
I deposited the total of {$1700.00} on XX/XX/year> XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

On XX/XX/year> I was in an accident where the other party was deemed at fault. Lexisnexis is reporting it that I was at-fault for the accident when both insurance companies deemed it not at-fault and other party involved accepted full fault. The information on lexisnexis is incorrect and needs to be updated to Not At-fault.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

EMERGENCY NO ACCESS TO USAA BANK FUNDS USAA Bank is REFUSING me access to my funds by NOT sending replacement cards to a XXXX address ; the bank sent our cards in XXXX XXXX. We have been without access to our funds since XXXX XXXX XXXX ( US ) ; XXXX XX/XX/XXXX ( XXXX ), my birthday, when USAA Bank canceled our card sent to XXXX without notification. We have no access to our bank account funds and are Forced to go to the United States Embassy for help. We no longer have cash on hand. 

Today marks 1 month ; without access to our account ending XXXX. 

I am a XXXX XXXX  XXXXXXXX Veteran, and this continued situation that has been going on for over a decade aggravates my service-connected XXXX of XXXX  and XXXX. 

Attached 43 Page Explaining Criminal Activity on Account. 50 Attached Supporting Documentation.
Consumer complaint received 2024-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

According to the Fair Credit Reporting Act, FCRA Section 6:05 B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report. Thank you! Some of these items and also from closed accounts. 

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XX/XX/XXXX CAPITAL ONE XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (WA)

Ive been denied by affirm automatically for a few years now. As buy now, pay later has become more and more prevalent, and has infiltrated brick and mortar stores, I thought it was important to figure out why I, someone with fair credit and a job, was being denied. On XX/XX/2024, I applied for credit through affirm, but affirm claimed they could not verify my identity. I applied again on XX/XX/2024. Affirm could not verify my identity. I attempted to open an account through the affirm app. I enter my phone number on the screen and get an automatic message that says that I am unable to open an account at this time. I attempted a different way with my name and social security number, which leads me to verification code for an email that starts with XXXX, an email Ive never had in my life. I requested to verify a different way through my government issued id and selfie, but the screen timed out and kicks me out when I click next. I called customer service on XX/XX/2024 to resolve these issues. I was met with : we cant open your account because weve tried multiple methods to verify your identity. When I asked who was associated with the email with my social security number, affirms said they reset my account but I am still met with the exact same problems. The most frustrating part of this situation is that there was no recourse. My information was frozen with someone elses email and that was it. No supervisor to talk to, no reconsiderations, nothing. 
I would just like to be declined on my own worthiness. I want a fair shot. I want to know if someone has stolen my social security number. Affirm has made that impossible.
Consumer complaint received 2024-06-18
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: CarMax, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Sections XXXX and XXXX. 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section XXXX, emphasizes the necessity of consumer consent for the use of personal identifying information. Furthermore, Section XXXX establishes clear penalties for unauthorized use of such information. These laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections XXXX and XXXX of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

I have been a chime customer for 5 years. Never any issues. I received an email today stating my checking and savings account were closed due to not meeting the TOS. I have no idea what I did. I feel this was a mistake. The issue is I get paid tomorrow by direct deposit. I have bills to pay and now there is no account. I called their CS number and the rep could not tell me specifically what caused this closure. I need answers and to know where my money will be going?
Consumer complaint received 2024-06-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IN)

Basically my uncle defraud my account because he was XXXX me an my grandfather retired from military XXXX XXXX an left me his life savings for being an victim to my uncle when my mother died the money wasn't pose be taken out when I was XXXX yrs old an my uncle stolen the money and the bank close an never given me my money when I got XXXX yrs old told me I would have make police report if I want my money I have to get attorney am that I will get some of my money which was two CD I thought I was pose get what my grandfather worked hard for services this country for they allowed XXXX to be taken out then change my name while I was an minor to XXXX while I was an XXXX XXXX XXXX left me money for being my uncle XXXX victim my uncle nasty am sick I'm asked for my money back ASAP they change the name to PNC it was old national city bank I sent my school records and mother death certificate because I wanted the government yo see how he defraud the system an the money was never pose be given to anybody but me until I got XXXX yrs old and XXXX XXXX XXXX stolen it I want justice for my grandfather XXXX XXXX who protected our Nation this is not the law this is not justice this is not Right I will get they money back from PNC they want get away from this hateful defraud.
Consumer complaint received 2024-06-21
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: Chime Financial Inc (FL)

Chime and XXXX have received a letter of credit by consumer along with principal information like social security account number. Chime and XXXX have taken my receivable to use for their benefit while holding my credits in escrow or trust instead of extending the same credit of at least $ XXXX {$500.00}. Not only that but chime claims they to generate credit limits. When it is a transfer agent responsible for my consumer paper and the extension of credit offered and advertised to the consumer.i have asked chime to release to me HOW they've calculated my remuneration since their electronic calculations differ from their My Pay Agreement section 4. This consumer has supplied third party information to chime in accordance with the terms and conditions in order to participate in MyPay Yet my limits aren't calculate properly. My income is not {$110.00}? And my limits shall be higher
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IL)

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2023-04-25
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 XXXX XXXX Accounts # XXXX and XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-06-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (AZ)

I have a High Yield Savings Account with Marcus by Goldman Sachs that has been forced to close by the Company. I am waiting for my funds to be returned but it has been going on for almost two months now and I have not received any status updates or a final decision after contacting the Company and calling numerous times. 

XX/XX/2024 : My last successful account withdrawal transaction. 
XX/XX/2024 : Received an email notification from Company that account statement preferences changed without any action on my part. 
XX/XX/2024 : Attempted to access online account but account was locked. Called Company due to inability to access account online due to account being locked and under review for closure. 
XX/XX/2024 : Called Company for a status update but did not receive any useful information. My account was still under review for closure. 
XX/XX/2024 : Called Company for a status update but did not receive any useful information. My account was still under review for closure. 
XX/XX/2024 : Called Company for a status update but did not receive any useful information. My account was still under review for closure. 
XX/XX/2024 : Called Company for a status update but did not receive any useful information. The account is still being forced for closure, but no information on final date or when I should expect funds to be returned. 

Over this span of time, I was not contacted by the Company for status updates and I had to call the Company to attempt to get information. My account with the Company is being forced to close and I have no issues with that business decision. It is unfortunate that my account has to be locked and closed. I am not satisfied with the lack of speed and lack of communication on my account closure and when I should be receiving my returned funds from the closed account.
Consumer complaint received 2024-08-01
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: GOLDMAN SACHS BANK USA (AZ)

I am writing to formally dispute an unauthorized charge of {$240.00} on my Apple Card, dated XX/XX/year>, for a reservation at the XXXX XXXX  booked through XXXX. I need your urgent assistance to resolve this matter. 

On the same day I made the reservation, I realized I had selected the wrong dates. I immediately contacted XXXX to cancel the booking. XXXX informed me that they attempted to reach out to the XXXX XXXX  management to cancel the reservation, but they received no response. Despite my prompt actions and having not utilized the booking, the charge remains on my Apple Card. 

I believe it is unjust to be held responsible for a service I did not use and attempted to cancel immediately. This situation has caused unnecessary financial stress and inconvenience. 

Thank you for your attention to this matter. I look forward to a swift resolution. 


I also have proof of the hotel I did stay at.