davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

On XX/XX/XXXX  I purchased a brand new XXXX XXXX XXXX XXXX online via XXXX I paid online from my Chime checking account. The total purchase after taxes was {$980.00}. I picked up the phone a few days later. I also purchased the XXXX XXXX protection plan from XXXX XXXX in the event that anything ever went wrong with the phone.Everything was fine. However, aprrox. two weeks later, the phone was stolen from me. I have not had the phone or seen the phone since. I immediately contacted chime and filed a dispute. Although I provided screenshots and proof of where I submitted a police report to them, they denied giving me my money back, claiming there was no error and refuses to pay me back. I have called and argued to no avail. I have also contacted XXXX since the phone is still under warranty, but they want {$250.00} to file a claim for a new device and that's not in my budget right now. I have proof of everything and I can't get a new phone because I saved all the money I had for a very long time to purchase this and now I'm devastated. Please help.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I believe I am a victim of a data breach, credit mismatch or inaccurate information. There have been multiple disputes sent to the credit furnisher asking for correction to my credit report. I do not recognize these accounts. Please get these Items Deleted off my Credit Report ASAP! 

Here is the information to be removed ACCOUNT NAME : XXXX XXXX, XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-07-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (NJ)

I, XXXX XXXX and natural person, was denied credit by XXXX of XXXX who ran my credit to and gave it to Chase when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX, so I am co-signing/the co-signer for the legal person when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my own credit. They also told me that I had to make a down payment when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605 and 15 U.S.C 1611, You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by Chase due to the response I received. 
Chase is in violation of 15 U.S.C1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Chase 15 U.S.C 1602p.

If Chasle fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make Chase criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o.

Chase was one of those lenders who wasn't suppose to deny me.
Consumer complaint received 2024-02-25
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. (MO)

The company did not resolve any disputes I had with the card even though it was fraudulent. I provided reports and paperwork to them about it. I even spoke with the merchant about the charge and that they agreed to refund it. I told the company that i want to close the account and they did nothing. The company let my account accrued fees after fees for months before closing it. The company sold my account to a collection agency and now they are after me. 

The merchant that gave me the refund called me and said that it was sent to the original payment which was the company card. I called the old company card and told them i have a refund coming in and that i need them to send me the refund since they reported the account to collection already and its reporting in my credit file. They said that they will not send me any of the refund and that the i have to call the collection agency to talk about the account but they will keep the money. 

It's not legal for them to just sell my information and give my account to collection agency and still receive the refund i had with the merchant. The company charge me fees after fees for months and not closing my account.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CCS Financial Services, Inc. (TX)

15 USC 1692c ( c ) - " That law Clearly states that '' " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must CEASE ALL Communication '' Credit collections Services Acct # XXXX
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXXXXXX Balance : {$260000.00} XXXX XXXX  XXXX Balance : {$23000.00}
Consumer complaint received 2023-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XX/XX/2023 at XXXX XXXX  I contacted account resolution services and I was advised that they were told I had an attorney in which I did not have an attorney. I also was advised on a recorded line that they received my dispute from XX/XX/2023 and they did not act on it or respond on it because they were under the assumption that I had an attorney which was false pretense. I also know that, according to the federal credit reporting act. You have 30 days to respond to the letter asking to verify that they violated this right but not responded to me. Today is XX/XX/2023 they received a letter back in XX/XX/2023. They have violated the federal federal credit reporting act of that validating the dead deer, for this should be deleted. Also, they are reporting the deck is past due, which is also at XXXX to guidelines violations being that they are a credit collection company they can not report that has passed you, because the deck is not all to the empty purchased a debt from the original creditor so on Also, the debt is a violation of my HIPAA at which means no medical or personal information of mine could be sold to the collection agency and collected on by XXXX agency there, in violation of the hippo app, which is also a violation of medical records being sent to collections without my permission My conversation was being recorded, and when I brought it to the ladies attention that she screwed up, she tried to transfer me to a supervisor who also never answers the phone or ever gets back in touch with me. She said she had to watch what she said to me so she didnt XXXX herself over and when she did she needs this account needs to be deleted ASAP. I have contact with him on several different XXXX XXXX I have not gotten a response at all.
Consumer complaint received 2023-07-17
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. (LA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states : " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and Experian DO NOT have my consent to furnish this information and they DO NOT have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX  and Experian are not maintaining reasonable procedures. Also, 12 CF 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' So, I am OPTING OUT OF YOUR REPORTING SERVICES.
Consumer complaint received 2023-04-23
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : Portfolio Recovery, as shown on two reporting agencies XXXX and XXXX  and is showing incorrect information. I sent them letters requesting validation that is competent evidence bearing my signature showing that I have or have ever had some contractual obligation to pay them. On XX/XX/2018 I sent a letter requesting evidence bearing my signature, I received no response from them and they did not mark it as disputed with the credit reporting agencies. Basis for the dispute :1. The type of account is listed as OPEN. Please remove this incorrect information. Portfolio Recovery is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. 2. The " Recent Balance '' and " Balance Updated '' Portfolio Recovery has most recently reported is { {$4300.00} }. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. Portfolio Recovery may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Portfolio Recovery also may not show the account as " Open '' as they are not a creditor and may not list an account as open. Portfolio Recovery also may not report a recent payment history as they are not a creditor. I am requesting that this account be deleted since they are in willful non compliance of not providing me the requested information in a timely manner or any time for that matter. They are also in violation with the Fair Debt Collection Practices Act Sect 807-8 and Nevada Revised Statute 598C.160 Duties of Reporting Agency. Due to the manner in which XXXX  is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (FL)

Venmo disconnected my bank account with no notice or explanation. Robotic and automated answers have been sent to me in reply to several emails I sent. I can not add my bank account or a debit card using the Venmo website or the app. Venmo holds over XXXX dollars in my Venmo account and is unwilling to solve their technical issue.
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NJ)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my concern and to file a formal complaint against US Bank. The issue at hand pertains to a promotional offer related to a business checking account that has not been honored by the bank, compounded with a distressing lack of adequate customer service. 

In detail, I opened a business checking account with US Bank due to a promotion displayed on their webpage. The advertisement promised a {$500.00} bonus if I kept a balance of at least {$3000.00} in the account for a duration of 60 days. I took steps to meet this condition and kept the required balance in the account for the specified time. 

My account opening process commenced in late XXXX, but the completion of the process was delayed until XXXX due to the bank requesting additional documents. The bank 's agent informed me that the promotional offer would end by XXXX, but I was not informed of this during the account opening procedure, or of any potential issues that might arise due to the delay caused by the bank. 

Upon contacting the bank to inquire about the missing bonus, I was told that the promotional code had expired at the time of my application. This was not communicated to me during the account opening process, which I find to be misleading and disconcerting. 

Adding to this, my attempts to resolve this issue through their app and via phone calls have been unfruitful. When I sought help through the app by typing " missing open account bonus, '' it only provided instructions on how to open an account, repeatedly. Even when I typed " agent, '' there was no adequate response or help provided. 

My phone calls to the bank were no better. I spent more than XXXX minutes on the call, being transferred to XXXX different representatives, each time having to explain my situation anew. Unfortunately, none of them could provide assistance or resolution, leaving me frustrated and upset with their service. 

Thank you for your time and attention to this matter. I trust that the CFPB will act in the best interests of consumers like myself. 

Yours sincerely,
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (SC)

World Finance Corp have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; World Finance Corp is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I submitted a payment on my bank of America credit card for XXXX dollars, thought everything was good as that's the due date, a day or XXXX later I'm hit with some late fee, which they've done before by the way I just never complained, which jacked up my minimum payment and finally I've just had enough of this nonsense I emailed them and there was no resolution. Now because my payment has gone way up the last few months I can no longer afford to pay it as it's a financial hardship and they just keep stacking up I have told them if they just removed those garbage fees and get my payment back down I would resume payment. Hasn't happened, it's hurting my credit score and I don't know what else to do
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Current address is showing with a unit number but this address does not have a unit number. Disputed address with XXXX  and TransUnion and update did not remove unit number. 
XXXX XXXX XXXX XXXX ( NO UNIT NUMBER BUT XXXX IS LISTED AS UNIT NUMBER ) Please remove unit number from this address
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION (GA)

15 U.S.C 1681 section602 A. It states I have tyhe rights to privacy and Accuracy. 15 U.S.C 1681 section 604 A section2 : it also states a consumer can not furnish account without my premission in written instructions. My rights have been violated! 15 U.S.C. 1692C States that without my prior approval of the consumer given directly to the Debt collector. a Debt collector can not communicate with in connection with this collection of any debt. This is not my account, I completely paid my accounts off and I never gave my written permission to furnish this account. 

XXXX ) Pentagon Federal CR UN : account # XXXX Delete this! 

XXXX ) XXXX XXXX  XXXX account # XXXXXXXX XXXX I have never been late on this account!