davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX A. XXXX 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

I received a series of emails from Chime indicating that an account was opened under my name beginning on XX/XX/23, when I was on vacation. 

I called the customer support number on the Chime website and asked to talk to their fraud division. The fraud group told me that in order to close the account, I needed to provide them the last XXXX digits of my social security number, my full name, and my date of birth. 

Since Chime is a technology company and not a financial institution ( as per their website ), I don't see why I need to provide this information that may lead me to further identity theft. For all I know, Chime has employees that are using this tactic to steal this information from consumers.

I would be happy to provide this information to a third party like the Consumer Finance Bureau. Please help make it so that fraudulant accounts can be easily closed.
Consumer complaint received 2024-05-28
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: CITIBANK, N.A. (NY)

My husband and I have a Costco Citibank card that can be used anywhere. In XXXXXXXX XXXX XXXX  we purchased a food order for {$20.00} and change. The next day we noticed a charge on our card for {$2000.00} with a weird name as vendor. We put a fraud dispute on the card and said that charge was not authorized. Citibank spoke with us and let us know it was actually the food place that made the charge so we said that we did purchase but not for that amount. We had to change the fraud dispute to now regular dispute. Citibank gave us back the money but then when realized they needed to change the dispute they took back the money. Now we are in XXXX and after speaking with over 5 different reps it seems like the dispute was never put in correctly on their end. They said they needed the receipt for the charge. We had to go back to food vendor and ask for receipt. We submitted this back to Citibank and we were then told its been over 6 Months and wed need to sort out with merchant. We were never told this! And this was completely their error. This has been entirely frustrating and we were now charged back the fees. We made this complaint immediately and spoke with many different reps and everyone said something different. We are now working with vendor and waiting for this reimbursement. We are disgusted with Citibank and have never seen this happen with any bank. Something we moved so quickly with and to get no help at all. We will also file a complaint with better business bureau. Also please keep in mind the merchant was never contacted by Citibank!
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

In XXXX, I purchased a property on a " stated income '' basis. I was making approximately {$XXXX} per hour, plus XXXX, at a XXXX. I was given an 80/20 split of the mortgage. the loan that represents 20 % is a 12.5 % interest rate. I do not recall ( and neither does my attorney ) ever discussing an interest rate of 12.5 %. The loan that represents the 80 % was an interest only loan which was modified 5 years ago and that modification will expire next month. During the last 10 years, I have maintained a good standing with both lenders, never missed a payment, never paid them late. I contacted both groups and requested a refinance. I was told that they are unable to do so because I am not eligible for HARP due to the fact that neither loan is XXXX or XXXX. I spoke with every department that they would let me speak with in an attempt to come up with a plan to create a more reasonable loan. They refused. 
This has not been my primary residence since approximately end of XXXX. As a result, I have had a number of different tenants in there from time to time. 
In XXXX when the modification expires, the loan that represents 80 % will nearly double. The rent that is collected barely covers the mortgage payments as they are. I am not financial equipped to make the difference in payments for the remaining years of the loan. 
I do not want to be a statistic and allow this property to go into foreclosure or short-sale. However, the bank has not agreed to work with me in any way with the exception of a modification again, which will only prolong the inevitable. 
I have also contacted other lenders, private investors, Homevestors, etc. with no success. 
I am hoping that CFPB is able to assist in some way.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MN)

My account had multiple balance transfers at various interest rates. Two of these balances were set to go from a lower rate of XXXX and XXXX to a full rate of 25.24 % as of XX/XX/2024. My statement dates close out on the XXXX of the month. 
Knowing that these rates were expiring, I sent in payments totallying {$4400.00} on XX/XX/XXXX, and then the minimum payment of XXXX was also automatically deducted on XX/XX/XXXX. 

According to my XXXX statement, the balances expiring were of the amounts {$2700.00} and {$1400.00} ( known as transfer balances XXXX XXXX XXXX  ). I also had a purchase balance at the high rate which was {$890.00}. These XXXX balances together equal {$5000.00}. 

All of the {$4400.00} extra that I sent in should have effective reduced my balance at 25.24 % to about {$690.00}. Instead, only about {$400.00} of the {$4400.00} was applied to the balances whose promotional rates expired XX/XX/XXXX and were as of XX/XX/XXXX, at 25.24 %. Some went to the purchase balance of {$890.00}, then most went to balances at 4.99 % ( known as balances XXXX and XXXX ). 

What Citi is trying to claim is that, though the promotional rates expired XX/XX/XXXX and after that date I was being charged 25.24 %, they can legally apply the payments based on the rates at the time of the XXXX statement. As a consumer, this procedure is illogical, and of course I would have intended the payment to pay anything that as of XX/XX/XXXX, was at a higher rate, which included balances XXXX and XXXX as my first priority for payoff.
Consumer complaint received 2024-05-28
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 (MA)

I have discovered XXXX ( XXXX ) credit inquiries on my credit report that I have never applied for or submitted my personal information to use. I have contacted XXXX and they are showing all XXXX of the credit inquiries. I requested that any further inquiries into my credit score to " Frozen ''. 
I have contacted XXXX XXXX and XXXX as well. XXXX XXXX and XXXX are only showing XXXX " hard inquiries '' attempted to gain a line of credit from " Capital One ''. 
Below are the XXXX known credit inquiries : XXXX XXXX XXXXXXXX on XX/XX/year> XXXX  XXXX on XX/XX/year> Capital One on XX/XX/year> XXXX XXXX  XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> Again I have never applied or authorized any line of credits or inquiries for any such matter. I do not know how or who may have my personal information.
Consumer complaint received 2024-05-28
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 added chase offer of spend {$XXXX or more then get {$XXXX} back to my account and made sufficient purchases. The chase offer does not successfully triggered now shows expired. XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-02
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$41000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$980.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00}.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (CA)

15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines the acceptable reasons for obtaining a consumer report. The unauthorized inquiries do not fall under any permissible purpose.

15 U.S.C. 1681q - Obtaining Information Under False Pretenses : Obtaining a consumer report under false pretenses is illegal.

15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : I am disputing the accuracy of these inquiries and requesting their removal.
Consumer complaint received 2024-05-28
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 (NV)

ON XX/XX/XXXX A PRE-AUTHORIZATION HOLD IN THE AMOUNT OF XXXX WAS PLACED ON MY CHIME CARD. FOR MY CAR RENTAL. THEN ON XX/XX/XXXX THE AMOUNT OF XXXX WAS CHARGED AGAIN TO MY ACCOUNT FOR MY CAR RENTAL THAT I HAD RETURNED SINCE THE XXXX OF XXXX. XXXX CAR RENTAL CHARGED AN ENTIRELY NEW CHARGE TO MY CARD WHICH WAS NOT AUTHORIZED. THEY FAILED TO COMPLETE THE INITIAL CHARGE FROM XX/XX/XXXX. ADDITIONALLY, THEY DID NOT EVEN CANCEL THE PENDING CHARGE FROM XX/XX/XXXX. BOTH CHIME AND XXXX SAID IT WAS MY FAULT I WOULD HAVE TO WAIT XXXX DAYS, BOTH COMPANIES HUNG UP ON ME. THIS RESULTED IN MY CHIME ACCOUNT WHERE MY DIRECT DEPOSIT GOES INTO BEING NEGATIVE. CREDITORS ARE CALLING NON STOP, I LANDED IN THE HOSPITAL BECAUSE OF THIS ISSUE, AND THE REPRESENTATIVES EVEN TOLD ME TO SHUT UP.
Consumer complaint received 2023-12-19
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 (FL)

I was given two American Express gift cards, the expiration was XX/XX/20. Law states that gift cards are valid for a period of 5 years. I called American Express and the say that since the cards are expired, they are no longer valid. I asked them how they could basically steal money from the person that gifted me the cards, and they had no answer.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CA)

Not getting correct amounts that has been sent, getting fees when I shouldn't be, didn't get paid from cashing in on a stock, I also didn't receive my deposit from the irs with my tax return like I was suppose to. Someone hacking into my online banking account for XXXXXXXX XXXX " cashapp '' or " square bank '' or " block '' account and laundering money it seems. My checking account is insured up to XXXX so I do have checking account insurance.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TN)

We have been repeatedly getting {$35.00} payments taken from our checking account for a credit card that has been closed. I called to find out what was going on. I asked them to send me a new card if the account was still open. They said the account was closed and they couldn't help me in canceling this auto-payment. They said it wasn't set up on their end but we didn't have it set up on our end. 

For months now, they have been deducting {$35.00} a month from our checking and then sending us a reimbursement check every 3 months. We want them to cancel this auto-payment.
Consumer complaint received 2024-05-28
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

Initial Edd card stolen and new account established. Dispute in my favor check sent out instead of card to card transfer. It's been several weeks as of today still no resolution. I've spent over 4 months and extreme amount of phone calls to nonavailability.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have sent 3 certified letters to LVNV funding LLC Requesting debt validation and verification, and they have not provided this information to me. I am aware of my rights under the FDCPA and they are indirect violation of these rights. This account that they are alleging belongs to me Is fraudulent. I never opened an account with XXXX and I do not owe this debt. This matter was brought before a judge in XX/XX/2022 and I was ecstatic because I knew this Debt did not belong to me. They did not have the requested documentation that the judge asked them to submit. Therefore, this case was dismissed, and so now they have wrongfully reported this account to my credit report and they are harassing me. I Have disputed this multiple times and it keeps coming back as accurate. It is not accurate, I never opened this account and my rights are being violated. They have also wrongfully re-aged this account to try and collect On a debt that is not mine. They have caused me so much Stress and anxiety and I am asking to please remove this from my Credit report because like I said, this is a fraudulent account and they do not have accurate information or documentation to prove that this is my account. I have never opened a XXXX account. I have never had a XXXX account therefore This account is a fraudulent account. I am also aware that this company has wrongfully re-aged this account and that is punishable by a {$2500.00} fine. Please remove this from my credit report
Consumer complaint received 2024-05-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation (AL)

I have attempted to call Colonial Finance several times to understand the balance that they are allegedly saying I owed on a car that they sold me that was a lemon. On XX/XX/XXXX XXXX and XXXX of XXXX. I called the company a total of nine times. On the XXXX call I finally was able to talk to someone by the name of XXXX who stated he did not see a balance and was not able to send me any paperwork on the car. This was on Tuesday XX/XX/XXXX around XXXX XXXX XXXX. This company have frauded me by selling me a lemon for a car and expected me to still pay for it. After a few days of owning it it went back in the shop and they fixed it for me. Then it tore up again and they would not fix it the second time. I had a tore up car for several months.
Consumer complaint received 2023-11-09
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. (MA)

in accfi & lance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose
Consumer complaint received 2024-05-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (NY)

Debt collector is harassing and not providing any steps to resolve the fraudulent activity case # XXXX from the credit agency who is trying to collect debt. and not being helpful and extremely rude Source Receivables Management XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX This fraud charged was disputed and resolved on XX/XX/2022 with XXXX XXXX XXXX REF # XXXX i have police report from XX/XX/2022 stating that this was fraudulent activity and 30 days it was removed from my credit report because this was fraud. 
police report : CASE FOLDER Number : XXXX with XXXX XXXX Police Department
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of XXXX. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Consumer complaint received 2024-05-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (TX)

My name is XXXX XXXX address of old address is XXXX XXXX XXXX XXXX Tx XXXX. 
New address is XXXX XXXX XXXX XXXX Tx XXXX. 

Received a bill for collection. 
It's for company XXXX XXXX IN THE AMOUNT OF {$48.00} THIS WAS PAID DURING THE TIME OF ASKING FOR SERVICES TO BE DISCONNECTED DUE TO MOVING. I PAYED MY LAST BILL AND TURNED IN MERCHANDISE. 


REFRENCE # XXXX ACCT # XXXX
Consumer complaint received 2024-05-02
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. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To whom it may concern.

I don't have exact dates for the below description of events but will try my best to be as specific as possible.

1 ) I leased a XXXX XXXX from XXXX that was financed through XXXX XXXX XXXX. 
2 ) During the lease period, XXXX changed their internal policy regarding how excise tax was billed and paid. This included Re-routing payments to the lease toward the excise tax and negating the monthly payment. I WAS NOT NOTIFIED OF THIS POLICY. 
3 ) I never missed a payment to XXXX, nor were any of my payments late. XXXX allocated 3 payments to my excise tax and marked my scheduled payments as delinquent. XXXX FAILED TO REPORT LATE PAYMENTS TO ME OR NOTIFY ME OF THIS POLICY, 4 ) I received a phone call in the summer of XXXX notifying me that my car was going to be repossessed. I had not missed a payment and was not aware that I had any outstanding bills with the finance company. I PAID THE ENTIRE OUTSTANDING TAX ON THIS CALL AND WAS TOLD THAT IT WOULD NOT AFFECT MY CREDIT REPORT. 
5 ) In XX/XX/XXXX, I returned to lease another vehicle from XXXX. I was then informed that i could not qualify for the lease because my credit score was a XXXX. XXXX MISREPRESENTED THEMSELVES ON THE WHERE THEY TOLD ME MY CREDIT REPORT WOULD NOT BE AFFECTED. 
6 ) While at the dealership, I contacted XXXX XXXX XXXX to inform them that they had, in fact, destroyed my credit score and that I was trying to lease another vehicle. I WAS TOLD ON THIS CALL THAT XXXX WOULD FIX THE CREDIT REPORT. They informed me that this would not be immediate. I was forced to lease the vehicle under my wife 's credit until the correction would take effect. THIS WAS THE SECOND LIE FROM XXXX. 
7 ) My credit score at the time of the lease of the XXXX XXXX was XXXX. It dropped to XXXX. I could not a ) refinance my home to a lower rate and b ) not lease a new vehicle due to this change. The only bad marks on my credit score were the 3 from XXXX. 
8 ) I have filed complaints with both the XXXX  and the credit score companies. They had done an investigation with XXXX that went unanswered. XXXX DID NOT RESPOND TO THE INVESTIGATIONS. 
9 ) I called XXXX on a dozen occasions to try to plead my case only to have it fall on deaf ears. This has taking days worth of time and has not amounted to anything. 
10 ) XXXX  HAS ALREADY BEEN SUED ON A CLASS ACTION LAWSUIT FOR THIS EXACT BEHAVIOR AND LOST. 

If there is anything that can be done to correct the pain on my credit score and protect others from this predatory behavior, please let me know. I would advise anyone not to do business with this corporation.