davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/23 I sent a dispute letter to TransUnion to dispute the 30 day late payment that is being reported on my TransUnion report, that is not accurate. TransUnion DID NOT investigate the account, they instead sent out a STALL letter to me stating that they had " received a request but it didn't appear to have come from me, that they believe a " credit clinic '' sent the dispute letter! I printed, wrote in my SS # and Date of Birth, attached copies of my identity and address verification- and signed and mailed it myself! They are only buying themselves time and this is against the FCRA, which requires TransUnion to do a TIMELY investigation! They need to remove the late payment being reported on the account because it is not accurate. XXXX XXXX Acct # XXXX. They failed to do a timely investigation.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

On XXXX my account was closed down. I have banked with CHIME for 4 years. I recently this year decided to do my taxes with chime. Once my refund deposit of XXXX $ was deposited chime froze my account. I went through verification over the next 4 days they wanted me to prove that it was me, and my deposit. I had to upload my 1040, DRIVERS LICENSE, social security card, BIRTH CERTIFICATE, irs transcript, irs acceptance letters and more. I provided all documents that were needed and I got a response from multiple supervisors that they were going to issue my closure check for the remaining balance of my account. I have been getting emails from chime now basically telling me that Im there not sending me back the money I work hard for. Chime has taken money from multiple people I no and I will not accept it and willing to fight for what is mine. They even sent me a email telling me to provide how I made my money in the state it was deposited really trying anything to not give me my money, I proved that to the IRS and showed how that is in fact my money. I am reaching out to legal teams and is ready to fight
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX. XXXX, XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (FL)

I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2023-11-12
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 (NJ)

An Amex gift card was purchased for me. I can not use it anyplace. It's rejected everywhere. I've tried a variety of retailers- XXXX, XXXX, XXXX, XXXX, and other smaller retailers. I'm trying to make purchases for less than {$100.00} and I have verified that there is {$460.00} on the card. The card is listed as active and available for use. I've made sure to enter the details correctly, including the XXXX CV. I called customer service- Amex phone representatives deny that there is a problem with the card and tell me that I should be able to use it anyplace Amex is accepted. This is absolutely not true. I have experience using XXXX gift cards and am accustomed to the gift card system- I am making purchases less than the value of the card, on reputable sites, and I am entering the information correctly. These Amex cards simply do not work, anywhere. 

Customer service is not responsive, just denying that there is an issue. Their own website https : //balance.amexgiftcard.com/ # /help says : " You can use your American Express Gift Card virtually anywhere American Express Cards are accepted within the United States and XXXX XXXX XXXX, except the Gift Card may not be used for recurring billing or at ATMs. You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . Please remember, you will only be able to shop with merchants in the United States and XXXX XXXX XXXX. Your eGift Card can not be used for transactions requiring a physical card. '' This is absolutely not true. The cards are accepted nowhere. 

The original value of the card was {$500.00}. I have XXXX pending transaction for {$34.00}, that will possibly be ultimately be declined. The rest of the expenses are for {$0.00} several time each, that XXXX took as a hold when I tried to use the card to pay my bills there. 

I included screenshots of the card 's history from the Amex website, and a screenshot of the XXXX website after one of my payments was declined. I have tried the card at a variety of different retailers. I was very careful to follow instructions. The purchase amounts were much smaller than the balance on my card, I entered the information correctly and I entered my address in the 'billing ' field as directed.
Consumer complaint received 2023-10-10
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (HI)

They have blocked me from transferring ANY funds from my {$75000.00} in a savings account over to my other bank. I've been on the phone with them for over a week and every day promised the block would be removed and it hasn't. They've wasted dozens of my hours and I bill over {$250.00} an hour for my business.. That equates to THOUSANDS of lost dollars I could have been working. 

I am also putting together a lawsuit for treble damages and pain and suffering for the entirety of the {$75000.00} as I have been in tears multiple times, lied to by there associates, and am unable to pay my over dozen employees. Over a week and unable to access {$75000.00} as a SMALL business. How is this ok? And to be told over 3 times by different SUPERVISORS that my funds would be accessible. I am also pursuing the individual Citi employees as claimants in the suit specifically and personally, who have lied to me about unlocking my account. I have had to pull a loan with over 9 % interest just to cover my bills. That interest also needs to be covered by Citi.
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (MD)

I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I see that there are a disparaging difference between the credit scores between transunion and XXXX on the TransUnion there are no XXXX payments all payments are on time and yet and still I remain in XXXX XXXX has me close to XXXX there are no remarks or outdated information related to unpaid bills so why my XXXX XXXX has not moved from XXXX toclose to XXXX as XXXX it appears that TransUnion does this on purpose to minority people in order to keep them from procuring loans for houses and cars and this is a discriminatory practice there was absolutely nothing on my credit report that prevents my credit score from going up only XXXX point this entire year I want a full investigation of who is in charge and why these things are hampering me from going forward and that the numbers XXXX from transunion and XXXX XXXX there is a large gap racism
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (MO)

My spouse filed XXXX XXXX bankruptcy without my knowledge, and just for herself. 
The vehicle secured by the loan from BMO Harris is included in the bankruptcy and in the repayment plan. They are attacking MY credit and trying to force me to pay it outside of the bankruptcy proceedings by reporting me as late / delinquent, even though the bankruptcy payments are being made by my spouse and they are receiving funds as agreed within her deal, which has nothing to do with me.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DE)

Venmo has frozen my account in XX/XX/2023 ever since they keep me in email loops or just ghost all my requests! I want my money! this is a scam where they keep fooling you around in order not to pay out customer funds!
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (AZ)

Another email was received from Chase ( see attached ) saying, " Thanks for requesting a new credit card. '' I did not request a card from Chase. Because Chase had a fraudulent application in my name in XX/XX/2023, I called to see if this was another attempt. On XX/XX/2023 the application team stated there were no applications under my SSN or name. On XX/XX/2023, Chase fraud team also stated that there were no applications under my SSN or name. I asked why I would have gotten the email thanking me for an application and was told it was probably a phishing email with fraudulent links. I have checked the links and it does not appear to be a phishing attempt but appears to be from Chase. With the fraudulent application in XXXX, Chase kept sending " thanks for applying '' emails every time I called them. It appears Chase has a problem with their system. I submitted XXXX reports to CFPB, XXXX for the fraudulent application and XXXX for the problem with the " thanks for applying '' emails. The XXXX email came from XXXX. There were XXXX links in the email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am sending these for Chase to determine if they are phishing or to confirm that Chase is sending these emails so they can correct the problem.
Consumer complaint received 2023-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC (AZ)

requested validation, not just an itemized bill they provided with wrong hospital name and wrong address, exposing all my personal information a direct violation of HIPPA regulations i never sign a HIPPA form, giving them access to my personal information.an authorization access to any such medical records. the collection company sends a form with a form with consent to be admitted to the hospital with a print not he signature part XXXX verbal consent. any other violation litigation will follow XXXX account is complete violation of the no surprise act delete immediately my privacy has protected under HIPPA laws.
Consumer complaint received 2023-04-17
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. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I want to file this please as my formal complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (FL)

I checked in to the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) twice, once in XXXX and once in XXXX. Because I did not have insurance and was unemployed at the time, on both occasion I explained my situation to the front desk staff at each location. They both told me I will not be charged as they are making the notes. It seemed strange to me at the time, but I trusted them. Once I started working and tried to apply for a car loan, it was brought to my attention by the dealership that I have a negative account in collections for a total of US {$1700.00}. I was really shocked, so I checked for myself ; only to trace it back to the hospital. I called the collections Amerifinancial Solutions phone XXXX XXXXXXXX, and I was told that this account was handed over to them by the XXXX XXXX XXXX XXXX XXXX  for unpaid debt. I was so traumatized ; I asked the agent what I can do to fix it. She said if I can come up with {$1000.00}, she will do a deletion. I asked her to hold and reached out to a couple of friends. I had {$700.00} saved up, so I only needed XXXX which I was able to obtain from my friends. The agent promised me that the deletion will take anywhere from 30-60 days. Two weeks ago, to date, I checked my credit, and the account was settled and removed. I breathe a sigh of relief. Only to know that my happiness was short lived as I was hit with another debt collection account from the same facility for the same amount of US {$1700.00}. I am devastated and this has caused me to have severe mental breakdown. I have the receipts to show that I did settle the account with collections company and if it is for the second visit, I am kindly asking that this be removed from my credit as I do not have the means to pay and I was told I did not have to. In fact, I will send a screenshot of the my chart patient payment summary to show that it has a XXXX balance. I am pleading for assistance to get this account removed from my credit and I wish to receive no future communication from Amerifnancial Solutions, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX I was never even given a written notice of my rights to dispute the charge.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NY)

Cash app is short changing my bank account. According to my refund receipts, I have not be given the full refund amount from an FICD insured bank. The screenshots provided below does not reflect to the amount that was described on my bank account statements.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus Equifax, XXXX and XXXX and noticed the following information are in error : Names And Addresses and phone numbers Since noticing this i have made A FTC report that i have attached to this document here today. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

This incident happened at the XXXX XXXX store with the address XXXX XXXX XXXX XXXX , XXXX, CA XXXX. 

On XX/XX/2023, at approximately XXXX XXXX. I went to the above XXXX XXXX store with my husband to purchase a king-size bedroom set. When we got to the store, one of their customer service people showed us what they had on the king size. After that, we were able to make our choice on what to purchase. 

My husband told him that we wanted to do financing, and we wanted a situation where we could pay with our own credit card. He explained to us two ways we can do that. He stated that we could make payment with their store card by opening an account with them and it is going to be 0 %, or we could pay with our credit card but it comes with some percentage. my husband asked him multiple times if their store card was a CREDIT CARD, and HE STATED, " NO '' He further stated that the card would be sent by Synchrony Bank. Additionally, he stated that we don't need the card to make payments, the purpose of the card is to track sales. my husband asked him again if the card was a credit card and he said " No '' Finally, we decided to go with their store card as he called it. and he started filling in my information on the tablet he had. moments later, he gave me the tablet to sign. when I was reading the questions and signing the information. My husband called the attention of the customer service person again and told him that this was a credit card that they were applying here. He asked him why they lied to us that it was not a credit card. he kept quiet without saying anything. My husband further told him that this is like applying for a store credit card. He IMMEDIATELY told customer service that we were no longer interested both in the card and in purchasing anything again. We left the store without purchasing anything or completing the signing of the application.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

" Bank of America closed my claim for {$4000.00}, it was opened on XX/XX/2023. I had a debit card and someone took the money from my debit card. They opened the claim and then closed it on the same day. They did not send resolution letter. "
Consumer complaint received 2024-04-26
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. (DE)

To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus XXXX, XXXX and Experian and noticed the following information are in error : Names And Addresses and phone numbers Since noticing this i have made A FTC report that i have attached to this document here today. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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)

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.