davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
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. (VA)

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 : # XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  : # XXXX, has violated my rights. 


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 2024-08-24
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: DISCOVER BANK (NY)

Hi. I'll try to be brief but concise with my situation. 

On XX/XX/year>, I purchased a commission ( customer order ) of a hand-made plushie for my original character. The purchase was completed on this website XXXX XXXX XXXX XXXX. It was completed through my XXXX account ( XXXX ), but paid with my Discover It Credit Card. I purchased a XXXXXXXX XXXX XXXX, which is no longer available as an option there. It costed {$350.00}, and after tax, the total came out to {$380.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX on XXXX ) opened these commissions on a first-come first-served basis, with numerous slots. After placing my order, I was made known that I could expect my plushie to be created in XXXXXXXX XXXX Attached in the photos are one of the plushie schedules with my character circled. I also provided the reference sheet of my character just to further prove that it's my character. 

Essentially, the screenshots show that from XXXX to XX/XX/XXXX, the seller had gone completely silent with no forms of communication on either XXXX, her primary form of communication, as well as email, despite attempts from myself and numerous people to contact her. She had gone silent and not worked on the products as scheduled from at least the middle of XXXX. 

At the start of XXXX, she finally returned to XXXX  out that she had unfortunately attempted XXXX  She further stated that there would be no ETA provided for when plushies would be delivered, as shown in the screenshots. Since then, she still has not communicated publicly, nor has she responded to my emails. And to my knowledge, I do not know if she has responded to others ' inquiries either. 

I attempted to file a dispute with Discover for this. The Dispute number is XXXX. I actually filed the dispute before she had returned to post on XXXX about her XXXX  attempt, but I made sure to include this proof in the dispute. To my knowledge, policies regarding refunds and disputes operate on when a product is expected to be received and not when the purchase date occurred. However, despite the circumstances and evidence provided, Discover did not grant my dispute and decided to not grant my dispute. 

After this, I still attempted to message the artist and ask for a refund directly once more, expressing a sadness towards their news but a worry about the situation regarding the commission. They have not responded to me for days now and I am not sure what their current situation is. As you may notice in the screenshot of my message to her, she does draw characters before creating plushies of them, and that drawing is in the plushie schedule picture mentioned earlier. I did offer her to not receive a full refund since I acknowledge the effort put into that part.
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (FL)

On Several occasions, spanning between XX/XX/year>, I entered into consumer credit transactions with CHASE Auto, submitting credit applications with my social security number and autograph, creating value and a security interest as collateral security for the vehicle I desired and is my right to have. They accepted my security interest, but then discriminatorily denied me access to the account, due to a freeze on third party reporting agency websites that I have no contract or business with. The account was created and I have been denied consideration, due to unfair and unlawful use of a third party credit scoring system. They are in direct violation of the Federal Reserve Act, section 16:1-2, which states all notes are obligations of the United States and shall be receivable by ALL national and member banks and Federal reserve banks . They shall be redeemable in lawful money on demand at the Treasury Department of the United States. Any Federal Reserve Bank may make application to the local Federal Reserve for such amount of the Federal Reserve Notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender, to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve Notes thus applied for and ISSUED PURSUANT TO APPLICATION. The collateral thus offered shall be notes, drafts, etcThere is NO law REQUIRING me to be subject to or defined by a credit scoring system, nor a consumer report, to be able to access my own securities through any Federal Reserve Bank, National or Member Bank. 
CHASE BANK is actively committing securities fraud and are intentionally and knowingly keeping me from trading, although I have prepaid for the vehicle, thus says Federal Law and congress. I am extremely stressed about this whole experience. I have no way to make a living because of restriction of transportation. This has been very stressful and I have lost out on revenue due to this fraudulent activity on their behalf.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC. (CA)

Halsted Financial Services, last email sent to me, XX/XX/year> : Third party creditor keeps contacting me about debt from original creditor XXXX. They bought this originally from XXXX XXXX XXXX. This company continues to sell this account to these different companies and they all continue to harass me everyday. The information is inaccurate because the debt has been re-aged to extend the reporting period illegally and also the balance reported on the charge-off account is incorrect. I am writing to complain about the inaccurate information that appears on my credit report. I have reviewed my credit report, and I have identified a charge-o account that I believe is being reported in violation of the Fair Credit Reporting Act ( FCRA ). I have also reached out to this creditor to inform them to cease all communication with me. 15 USC 1692c ( c ) that law clearly states : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2016-10-26
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Asset Recovery Solutions, LLC (FL)

This caller has called repeatedly called late at night, sometimes after I have fallen asleep and wakes me up. I know this debt is under XXXX if that much with the fees they keep adding. This is definitely not the original creditor and none that I recognize. I just want these late night calls to stop. I have also received calls early in the morning while still sleeping before XXXX. These calls are very annoying.
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (LA)

santander consumer usa in 2020 finance a vehicle to me {$30000.00} 18.54 % {$20000.00} and my down payment of {$3300.00} the total amount financed {$53000.00} the vehicle been repossess i have got it back hidden fees on the account and now the account is charged off with a balance of {$13000.00} and cant do nothing about it my balance was going up and down and dont no why one year had it down to {$21000.00} i was late on my payments it changed balance up to {$23000.00} dont know why im tired of it and it on order report right now
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (WY)

I looked at my credit reports from XXXX and XXXX on XX/XX/year> and noticed that selfinc/lead acount # XXXX is reporting inaccurate inconsistent information on my credit report and I disputed this account XXXX and they are still reporting inconsistent and inaccurate information.according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account self inc/lead is violating my federally protected rights under 15u.s.c1681.please delete immediately and pay me {$1000.00} per violation.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AR)

I had fake charges on my CHIME card for over {$1400.00} and proof of it. I have had to rebuttal this issue over 20 times. I have been doing this since XXXX. It is now XXXX. 

The people obviously dont speak English or understand English because they put charges on that I SPECIFICALLY stated not to. The ONLY things on their should be XXXX XXXXXXXX. It is a XXXX XXXX  and I have NEVER paid to play ANY games.
Consumer complaint received 2019-04-25
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: Synovus Bank (IL)

My complaint is with XXXX XXXX XXXX XXXX XXXX. I have reached out to them on several occasions including today XX/XX/2019. Previously, I have spoken with the Fraud department and informed them that I am a victim of Identity theft, and the young lady I spoke with provided me with a fax number and at the time I faxed a copy of a police report and I also forwarded that same police report to all of the three major credit bureaus. And on the call with the rep from the fraud department from XXXX XXXX she stated that this was going to be removed from all credit bureaus. Here is it almost 6 months later and this same account is reporting. In fact they changed the status to closed, but its still on my report. On today I called First progress and spoke to a rep in the Fraud Department Named XXXX he would not provide me a agent ID # or a lastname. I then informed him of the situation and he stated that he did see that I called several times and he asked nothing was done on my behalf and I told him no! I told him that I will be emailing the CEO of the Company as I have done all that I can do I have faxed over documents and made several calls. He was able to see all the calls I have made, he took my number and stated someone would call me back.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (ME)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (PR)

I want to remove the following accounts from my credit report because they are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

I am contacting you regarding a matter of concern in my credit file. I've noticed a collection entry from your agency that I was not previously aware of. Moreover, I have serious reservations about the validity of the claimed debt. Under the Fair Debt Collection Practices Act, I am entitled to request debt validation. Therefore, I formally request that you provide the necessary validation and take appropriate steps to resolve this issue.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc. (LA)

Hey recently as of today XX/XX/year> I've received mail about a XXXX  debt collection of {$93.00} that shouldn't be charged to my name but to the Workers Comp insurance that handled my case. Please contact me asap so when can resolve this situation and not damage my credit.
Consumer complaint received 2024-09-05
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo (NJ)

Kovo is reporting my account negative to the credit bureaus when I paid them on time from XX/XX/XXXX to XX/XX/XXXX. I was facing a financial hardship and asked to close my account. This account is supposed to help build credit yet they penalize me for paying on time and closing it early? My dob is XX/XX/XXXX and my SSN is XXXX
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (NJ)

Subject : Urgent Request for Assistance with Unauthorized Car Rental Charges Dear Consumer Financial Protection Bureau, I am seeking your assistance regarding unauthorized charges related to a recent car rental. Below are the details of the transaction and the issues I am facing : Rental Details : Rental Company : XXXXXXXX XXXX XXXX  Pick-Up Location : XXXX, XXXX Pick-Up Date & Time : XX/XX/year>, at XXXX XXXX  Drop-Off Location : XXXX XXXX Drop-Off Date & Time : XX/XX/year>, at XXXX XXXX  Issues : Delay and Missing Receipt : Upon returning the vehicle, I waited outside in the parking lot for 30 minutes before an agent arrived. The agent then took an additional 20 minutes to inspect the car while on the phone and consulting with a colleague. Despite being assured that a receipt would be mailed to me, I have not received it. 

Charge Discrepancies XXXX XXXX  Charge : {$65.00}. I returned the car with a full tank and have a receipt from a nearby gas station to confirm this. 
XXXX XXXX XXXX : XXXX XXXX. I rented the car for 5 days but was charged for 6 days. ( The car was picked up on XX/XX/XXXX at XXXX XXXX, not XXXX XXXX, and dropped off on XX/XX/XXXX at XXXX XXXX. ) XXXX XXXX XXXX : The premium package I purchased was intended to cover collision and theft only, not roadside assistance and windshield protection. 
XXXX XXXX  : XXXX euros. 
XXXX and Windshield Protection : XXXX euros, plus applicable taxes in XXXX. 

Total Disputed Amount : {$200.00} Despite my attempts to resolve these issues directly with the rental company and my bank, the matter remains unresolved. I am requesting your intervention to address these fraudulent charges and help me obtain a refund. 

Please note that I had previously closed my account with Discover Card due to insufficient protection against fraudulent charges. 

Kindly let me know if you require any additional information or documentation. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (FL)

On XX/XX/XXXX, I decided to open an investment account with the company " Charles Schwab & Co ''. Which made a deposit of a check on XX/XX/XXXX for the value of {$17000.00} and a trade with XXXX XXXX XXXX XXXX for the value of {$110.00}, which access to the account was suspended. I made several calls to " Charles Schwab & Co '' which they can never verify my information to access the account. Today, XX/XX/XXXX, I decided to call again and I continue to receive the same thing that I received in XXXX, they invite me to visit a branch, which I do not have enough time to go and stay x time at a branch. 

My account was blocked for no reason, they never provide the information as to why my account was blocked. So that's why today I am filing this complaint against the company " Charles Schwab & Co. '' I need my funds, which they refuse to attend to on the phone. I can't miss a day of work. 

They are closing my account without reason, an account closure is opened without my authorization.
Consumer complaint received 2024-09-03
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: JPMORGAN CHASE & CO. (CA)

I opened a Chase Freedom Unlimited Card in XXXX of 2024 as the promotion on their website says Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. I spent the {$500.00} the first month I opened it and have been patiently waiting for my {$200.00} bonus to kick in. I called them today, XX/XX/year> and the representative informed me that when I signed up, they didnt have that promotion going on. The rep talked to the supervisor and they both claimed that they didnt have it at that time. 
I, myself, own multiple credit cards with XXXX XXXX XXXX. I am financially responsible, will only open a new credit card if there was a promotion for it. My point being is I wouldnt have opened this Chase Freedom Unlimited if they didnt have the bonus offer, but they did have that offer that same day I applied and got approved XX/XX/year>. 
This is false advertising, very misleading information to ultimately scam users into signing up for their credit card with nothing in return.
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (DE)

I just bought a car and the first payment was due in XXXX. I paid the payment and asked that the extra be placed to principal. They did not. I called and was promised, but then following up, they stated my request was denied. Instead of applying the extra to prin, the next payment is less than the required amt. I then set up an autom payment when they said it would then be applied correctly ( XX/XX/XXXX ) and the XXXX looks to be applied correctly but the XXXX extra payment has still not been applied to prin. Wells Fargo states their system does not allow this. The principal balance is higher than it should be.
Consumer complaint received 2024-06-05
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. (CA)

Trans Union needs to delete hard inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX. This should not take XXXX to 60 days to remove 3 hard inquiries. Companies have already verified the accounts should be closed and closed them and removed XXXX  from report entirely. The inquiries need to also be removed. see attached.
Consumer complaint received 2024-10-15
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. (CA)

I believe that your company has violated provisions of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( regarding validation of debts ) and 15 U.S.C. 1692c ( regarding communication restrictions ).
Consumer complaint received 2024-10-15
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. (NJ)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-15
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. (TX)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit that were not opened by me. This has been hurting me as I am in the process of Getting a new car. Please remove the fraudulent accounts from my credit as soon as possible.