davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (TX)

On XX/XX/XXXX  I received an email from the online bank Chime telling me that my password had changed on my account. Immediately following that email was another one verifying direct deposit. 

I do not now, nor have I ever had any business with Chime. 

The account was opened in my maiden name. 

I called and was able to close the account because I had the account number in the second email. Had I not had that, they were going to require that I give them the last 4 of my social security number in order for them to fix their mistake. 

I never received an email to say that an account had even been opened. 

However, they want me to provide the last four numbers of my social security number, and other sensitive data in addition to a full police report in order for them to verify the last four numbers of the social security number under which the account was opened. 

Why would I trust this company with such information? 

Why must they protect the person who committed the crime? 

I need this information to know whether my identity has actually been stolen. They refuse to provide any more information until I provide them with my sensitive data. 

They had no supervisor they could transfer me to not any other department they could transfer me to in order to resolve the issue. 

How can a financial institution be allowed to exist in this country under those circumstances?
Consumer complaint received 2024-01-10
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 recently checked my XXXX XXXX XXXX  credit reports via XXXX XXXX, & I noticed an unauthorized hard inquiry by Capital One on each of my credit reports, I never authorized this hard inquiry, these inquiries were made on XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (CO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (FL)

I demand that moneylion complies with the Fair Credit Reporting Act and delete the referenced account from all of my consumer reports. Pursuant to section 623 of the act, it states that once a data furnisher receives a dispute from a consumer that specifies what they are disputing, explains the basis of the dispute and supply supporting documents, the data furnisher MUST either modify the item of information or delete it. I am demanding that it is deleted as it is inaccurate, incomplete and unverifiable. Please see attached exhibit ). Pursuant to 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ) the data furnisher ( moneylion ) MUST remove the item of information from all consumer reports. If this does not get resolved promptly, I will seek legal action for FCRA violations.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION (CA)

XXXX is obligated by FCRA to report accurate accounting consumer has advised ALL the inqueries reported was fraud said companyhad 4 days accoeding to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, signed application with consumer wett ink signature. Consumer is NOTasking for an XXXX XXXX REPORT. If XXXX does not have documentationto show these were in fact authorized it must but be removed and deleted ASAP. XXXX company is liable under SEC to follow certain rules. XXXX XXXX File number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Securities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I will be filling out Treasury  Form XXXX and IRS form XXXX XXXX forms to audit consumers account. 
XXXX is Securitizing consumers data, but yet refuse to provide consumer a copy of their CONSUMER FILE, not CONSUMER REPORT. 


EXHIBIT 32.2 CERTIFICATION PURSUANT TO 18 U. S. C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report XXXX XXXX XXXX XXXX XXXX Company ) on Form XXXX for the period ended XX/XX/XXXX, as filed with the Securities and Exchange Commission on the date hereof ( the Report ), I, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge : ( 1 ) The Report fully complies with the requirements of Section 13 ( a ) or 15 ( d ) of the Securities Exchange Act of 1934 ; and ( 2 ) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. 
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX. 
XXXX Vice XXXX, Chief XXXX Of XXXX and Chief Operations
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (IL)

I am writing this request to FRD MOTOR CR that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

XX/XX/year>, ( last four # XXXX ) USAA has Charge me a balance transfer fee of {$64.00} & a Cash Advance free of {$69.00}, for the same transaction, double dipping. I didnot have Cash Advance. Also, the same charges XX/XX/year> were applied to my account. Fees of {$64.00} & {$70.00}, they are charging me twice for the transaction. I want action taken against USAA. This practice is DOUBLE DIPPING.
Consumer complaint received 2024-05-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (TN)

Vehicle was totaled out by insurance. Insurance paid a portion of the car balance leaving a small amount to be paid. My father in law paid the remaining amount in a settlement based on a letter that was mailed to me. The information is still being reported on my credit report and should not be. This is hindering me in getting another vehicle because it looks like I still owe on another vehicle. I have asked Santander several times to send me a receipt and a letter stating the debt has been paid and they will not respond.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MS)

this is my XXXX request sending Citizen, XXXX, and XXXX a letters requesting documentation of the alleged late payments pertaining to 15 usc 1666, and a certified letter that was sent out 21 days before any alleged late payments was posted ( 15 usc 1637 ) 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

they have violate the TILA and requesting the account be updated to paid as agreed, never late or Deleted from my consumer report they are reporting inaccurate information as well, see attachment - 15 USC 1666e ( b )
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There is a new account on my Equifax Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Equifax credit report immediately. Please remove the following : XXXX XXXX XXXX XX/XX/2023 XXXX Thank you. XXXX XXXX
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (TX)

On XX/XX/2023, someone broke into my car and stole my check book and personal information. I notified my bank, PNC Bank, NA, on XX/XX/2023, and they allegedly imposed a freeze on the account. The, on XX/XX/XXXX & XXXX, 2023, I discovered that the thieves initiated ACH transfers from my PNC account ending in XXXX to : ( a ) XXXX XXXX - {$1600.00} ( XXXX Account No. XXXX ) ; and ( b ) XXXX - {$290.00} ( XXXX Account XXXX. XXXX ). Despite that PNC does not dispute that the transactions were fraudulent, PNC refuses to return the funds to my account.
Consumer complaint received 2024-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (NC)

On XX/XX/XXXX and XX/XX/XXXX I passed d my mortgage in full however I used 2 bank accounts to Amerihome mortgage. The automated system took the first payment of {$500.00} from XXXX XXXX XXXX. I made the remainder of $ XXXX from XXXX XXXX. Later on I was told they dont accept partial payments in the future. I was told to request a work order to fix the problem and they still havent done it. Ive phone 6 times to hear the recap over and over, left on hold to only be disconnected. I even sent a request to their website for assistance to no avail.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

So, this account transitioned from Dell Financial Services to Comenity Bank three months ago. On my credit report, I see this card been reported twice. I have contacted both Dell Financial Services and Comenity Bank by phne or email. Both says that there is not there doing reporting twice the same account, but the problem persists. 

In been reported twice, it is affecting the debt to income ratio.
Consumer complaint received 2024-01-08
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: SLM CORPORATION (GA)

Sallie Mae Bank did a Hard Inquiry with XXXX without my approval or knowledge. I did not reach out to them because I saw a myriad of negative posts regarding their existence. They appear to be illegitimate and unsavory. Ive since placed a Credit Freeze and Fraud Alert with all three ( 3 ) credit bureaus.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-06-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one needs to correct the problem. Cc copy to XXXX. These terms need to be honored spend {$500.00} get {$200.00} back. The consumer finance protection bureau will follow and enforce all usc and ucc codes. If they do not since this is a government agency and the top person is required to have a surety bond information they will get massive leans on their bonds. Per 15 usc 1692J and subdivision 1611 denied my own credit. We will fix the problem or I will fix the problem.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had funds wired to my checking account, received on XXXX XXXX, XXXX I attempted to wire the funds received to an external account. The wire was stopped and I was to call to verify information. On XX/XX/2023 I called and answered their questions to allow my account to be taken off hold. I again attempted to wire the funds to an external account, and again the wire was reversed, and a message on my account as follows - " Your funds are currently not available for withdrawal - call us at XXXX ''. 

My account has been in this state since XX/XX/2023. I have made hundreds of phone calls to the bank, only to have to leave a message that it will be returned in 24-48 hours. I have not received a return phone call. I have tried to call multiple phone numbers associated with Capital One customer service, only to be transferred around and around with no resolution. On one occasion, around XX/XX/2023, I spoke to a person after about an hour on the phone, and was only told " it's under investigation, and no date can be provided for resolution ''. 

I have bills to pay and this bank will not give me any information about why they are holding my money hostage and not allowing me to have access to my money. How can a bank do this to a consumer, especially after more than 30-45 days without explanation or any information whatso ever. 

The customer service with Capital One is NON-EXISTENT.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANKMOBILE TECHNOLOGIES, INC (TX)

XX/XX/XXXX  I was sent a refund for my son through bank mobile, we have been trying to contact customer service support to verify the funds and they have not answered the phone so that my son can get his refund check cashed and verified through them also it's only 3 was to contact them and they have not answered no methods of contact
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act this creditor had violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also stated 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 plan as late for any purpose.
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

Account XXXX XXXX A letter was sent to us from Wells Fargo stating that they have not received a payment since XX/XX/2014. Of course I was concerned because for the last six months, five payments were taken out of our account. I called Wells Fargo to tell them that something was wrong on XXXX and that's when they told me my account was in default and was in the process of foreclosure. It was at that time that I asked for a reinstatement quote.The next day XXXX, I went to my Credit union and we discovered that the automatic bill pay was going to a different account. The account number XXXX. We found that our mortgage was going to the wrong address with the wrong account number on it. During this time an unauthorised escrow account appeared on our statement, mind you we never signed or authorized an escrow account. This mistake was not recognized for six months. Also we have a copy of the credit union withdrawals. Please responding a timely manner.
Consumer complaint received 2024-05-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: OneMain Finance Corporation (FL)

I am writing to file a formal complaint against One Main for continuous harassment and the unauthorized disclosure of my personal information, in violation of my legal rights. My name is XXXX, and I have been subjected to repeated and aggressive harassment by XXXX XXXX. This includes threats of lawsuits, and unwarranted phone calls to my family members discussing alleged legal actions against me. 

I have been a victim of identity theft, as substantiated by a police report I possess, which One Main has disregarded. Despite providing this proof, One Main 's representatives continue to disclose my personal information, including my address, over the phone. This conduct not only violates the Fair Debt Collection Practices Act but also endangers my privacy and security. 

Here are details of the harassment : Repeated Calls : I receive calls at inappropriate times, including nighttime, specifically from phone numbers XXXX and XXXX. 
XXXX to XXXX : My family members have been contacted by One Main, where my personal and supposed legal issues have been disclosed without my consent. 
Refusal to Provide Documentation : Despite requests, the agents have refused to provide any written documentation to verify the alleged debt or their claims. 
This situation has caused me considerable XXXX  and has unfairly tarnished my reputation among my family and peers. I am a responsible individual with evidence to support my claims of identity theft, and yet, I find myself battling baseless accusations and privacy invasions. 

I am requesting the XXXX XXXX  intervention in this matter to : Investigate the practices of One Main regarding harassment and misuse of personal information. 
Enforce appropriate penalties for violations of federal laws protecting consumer rights. 
Assist in stopping these infringements on my privacy and ensure such actions are not repeated.

Attached are copies of the police report, records of communication attempts from One Main, and other relevant documents to support my claims. 

Thank you for addressing this serious issue. I look forward to your prompt assistance and resolution. 

Sincerely, XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

My information was sold and brought illegally because i was a victim of Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

a fraudulently charge was made on my XXXX XXXX i notified them the sent a questionnaire to be filled out and they reversed the charges as well as the late fee but it is being reported on my credit as if I missed a payment.
Consumer complaint received 2024-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

On, XXXX, XX/XX/2023, I was scheduled to check in at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The Hotel Phone number is XXXX XXXX. I was unable to check in this Hotel due to XXXX XXXX XXXX. Once I was informed of the cancellation. I tried calling the Hotel and was not successful in cancelling my reservation due to it being booked by a Third Party which is XXXX. 

I contacted XXXX and was informed that they contacted the hotel regarding my request, however, they did not obtain approval to provide a refund. Request numberXXXX. 

I contacted Capital One and provided them the call logs, copy of sale receipt, Merchants Documentation and XXXX XXXX notice. They also declined to remove the charges from my credit card. The XXXX Representative checked that I decline a free Insurance Protection. Fraudulent Activity in itself. 

The amount was {$710.00}.