davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NC)

The company is has conducted many fcra violations of inaccurate credit reporting! I most recently reviewed my reports and noticed that there is different information being reported on the credit and which is a FCRA Credit violation according to section 15 USC 1681. On the XXXX report, it shows that I have 14 late payments. 
On my XXXX  report, it shows that I have 12 late payments. How can they even be possible with the same account??? Thats a fcra credit violation!! I went and backtrack, and this information has been reported with this non matching information for over a year!!! 

The account charged off and XXXX XXXX. The past due balance reported on XX/XX/XXXX was {$110.00} in a total balance of {$570.00} on the XXXX report with a 45 % credit usage. On XX/XX/XXXX it showed a past due balance of {$580.00} with XXXX XXXX credit usage. On today XX/XX/XXXX it shows a past due balance of {$580.00} with XXXX XXXX credit usage. 

Also, as far as the payment history for the month of XXXX XXXX XXXX, it shows no data!!! How is that possible to have no data for the month of XXXX when the account wasnt in charge off status??? as you view the attachments all of the other months have some sort of reporting information. This is another indicator that the creditor is not reporting accurate information which is a violation of my consumer rights.! And another fcra credit violation!!!! Whenever an account is charged off the creditor is not able to change the balance or the credit usage percentage once reported as a charge off account!!! 
! According to the FCRA it is a credit violation to report a charge off account with a PAST DUE BALANCE. They are only allowed to reprort the acct as a unpaid debt only and not a account with a past due balance!!!! By law that it is a credit violation and a violation to my rights! Under the FCRA compliance this is inaccurate reporting and must be removed IMMEDIATELY! 

XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (VA)

I was given a gift card in the amount of {$100.00} in XX/XX/XXXX. I went online on Monday, XX/XX/XXXX to order pizza from XXXX  XXXX XXXX, in XXXX, XXXX Order received and processed with gift card. This was my first transaction. On Tuesday, XX/XX/XXXX, I went to XXXXXXXX XXXX XXXX XXXXXXXX, VA to purchase dinner and the cashier told me there was only XXXX cents left on the gift card. Therefore, after paying the cashier, I immediately went home to card gift card company. I was informed that a female made several purchases ( online ) using my gift card. And, I wrote the name down, too. The lady told me on the phone that I would have to wait to file a dispute and call back on Thursday of the same week. When I called back to file dispute, I was asked my name, address, gift card number ( of course ), told I would receive dispute papers in 10 days. I was also told that I would have an investigation of 45 days, blah, blah. Well, it is XX/XX/XXXX, I have not received any dispute papers and no credit to this gift card. Somewhere there is {$70.00} plus of mine floating in the clouds, and demand to get it back. I called the gift card company just now and after being put on hold on XXXX minutes, they can not find my gift card or any information. What is that all about? Any assistance you can provide will help.
Consumer complaint received 2023-05-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendKey Technologies, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My and my wifes credit was consistent with the guidelines, our income is more than sufficient to cover the loan. I was informed that my housing allowance which is monthly income reported on my w-2s annually and taxed was being disqualified as income. This would make me ineligible based on my debt to income ratio. This is unfair and unethical business practice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CO)

I wanted to close a credit card I got from VENMO. There were 2 charges I didnt recognize so they advised me to label them as fraud, which I did. It turned out that 2 payments I regularly make to my DIL were the charges I didnt recognize since I make them directly thru VENMO , not on the VENMO credit card. ( They obviously did not list her as the payee, ) I only found out the payment was to her when VENMO charged her with fraud. I have responded to VENMO repeatedly that it was a mistake and there was no fraud. I have since paid her in full thru a bank transfer and VENMO has reinstated her account privileges. They have NOT reinstated mine and, in fact, are saying that I owe THEM the money. I do NOT. They did not pay any monies out. My VENMO account is still frozen and they are insisting that I pay them XXXX to put my account right. This is affecting my hitherto perfect credit score. I have written them repeatedly and had long phone conversations explaining what happened. I think the problem is exacerbated by their lack of human representatives. 
Can you help me?
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (WA)

On the XXXX of XX/XX/, I saw an unknown transaction in the amount of {$1100.00} from a company doing business as viagogo. 

At the same time, I also noticed this amount was charged to my XXXX account and XXXX checking account. I immediately disputed this transaction with all 3, receiving immediate support and mitigation in my favor from XXXX and XXXX. With the Apple Card, doing business as Goldman Sachs, I havent received any mitigation aside from a temporary credit that is due to expire within the next few days. I cancelled my card immediately upon realizing that the fraudulent charge existed, but aside from that and registering the dispute I really dont know what else to do.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (VA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Virginia XXXX XXXX {$24000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I have a loan out with Credit acceptance and I'm struggling to pay it due to financial hardship and being g on fixed income. I am paying almost XXXX dollars for a car that cost XXXX and I feel like that is way to much money for the car I got. I can't afford this. I have had to take out loans and borrow money too fix the problems thus car keeps giving me I'm in debt over this car. I feel I'm being charged way to much for this car. I should have been done paying g on this car but no I still have XXXX XXXX to go amd have paid XXXX it's been a real bad experience for me getting this car and loan.
Consumer complaint received 2018-05-21
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: Experian Information Solutions Inc. (GA)

I have identified erroneous accounts and information on my credit file. I have reached out to the credit bureaus by mail, e-file and telephone call with no assistance. I've been fighting these errors since I found them. This problem is making it impossible for me to do what I need to do credit wise because of the negative reporting.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My husband and I have had money stolen from our checking account on five separate occasions. We've reported these fraudulent ATM withdrawals with our bank each time an unauthorized withdrawal came through. My husband and I can 100 % attest that we did not make these withdrawals. However, after many calls and over a dozen hours have not received any answers from our bank. They honored a couple of the charges as being fraudulent then turned around and determined other transactions were valid although my husband and I have never been to this ATM and live at least two hours away from this city. Some of the withdrawals happened before we even had newly issued debt cards in our possession. Our cards were not stolen at any point. At this point we haven't been given any answers to how these thieves are accomplishing these transactions. We taken every step possible to remedy the situation but all we're getting from our bank is that because these are atm withdrawals that seem to have been completed with a chip protected card/pin they must be legitimate. My husband and I have been stolen from and we need help.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My bank account had someone access my USAA bank account ( unauthorized ) and made 2 mobile deposits, the checks did NOT have a check hold placed on them and less than 24 hours later, they were able to transfer the funds out. The account went negative when the checks bounced less than 48 hours after the first deposit. IF they had put a hold on the checks the funds would not have been able to be transferred out. Here is a history of the transactions that occurred between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NM)

Money sent to my account from unknown sender. When I contacted Chime they stated my account had a negative balance of {XXXX originally and the money sent covered a portion of the balance so it was unable to be transferred back to the sender. I advised that I was unwilling to steal someone else 's money or commit fraud to minimize my negative balance and that the transfer needed to be refunded. They insisted that the transfer was not able to be refunded to the sender. I advised that they would be instructing me to commit fraud and steal money from the sender as it was not meant for me and they said it was not fraud that the money covered my negative balance. I requested two supervisors and all of these people stated the exact same thing. When I advised I would be filing complaints with the FTC and Attorney General and CFPB they said I was allowed to do what I wanted. I asked if they were aware of who these entities were and they all said no. This was an outsourced call center in a foreign country clearly unaware of their instructions ramifications. XXXX XXXX XXXX XXXX XXXX for over 10 years and have never heard of instructing customers to keep money from an unknown source despite a negative balance.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

I have banked with Chase for over 40 years. During that period I regularly deposited all my income from work and any sources into my Chase checking. At times, these were significant sums. I spent my entire career in the nonprofit arts sector where salaries were not great, but I was fortunate. In 2008, I had close to {$100000.00} in a Chase Investment Account. When the XXXX crash occurred that sum was reduced to {$38000.00} and I was required by Chase to close the account because my balance was below {$50000.00}. I had just left government employment and was searching for a job. Within days the arts sector in XXXX, my home, eliminated over XXXX jobs across all institutions, large and small. I was never able to accumulate savings again. 

Now I am XXXX and on a modest fixed income. For the past 8-9 months I have found it difficult to stay afloat and have been overdrawing my account to pay scheduled bills. Chase regularly charges me {$34.00} for each overage, even though many of these are for very small sums- for example, {$5.00}, {$7.00}. These overage charges both cause additional overages and make it harder and harder to ever catch up. I simply cant bear up under this strain anymore. It has become unbearable. Only greed can cause this - and the failure of the government to regular vulture capitalism. I need protection.
Consumer complaint received 2024-02-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a CD with Capital One Bank, which had maturity date of XX/XX/year>. On XX/XX/year>, I renewed the CD for a term of 10 months at 5.30 % APY. Please see saved screenshots of each step of renewal process which confirmed the renewal. 

When I checked my CD details on XXXX XXXX, I noticed that my CD had been renewed for 10 months at 4.35 %, which is almost one percentage point less, please see attached screenshot # XXXX. 

On XXXX XXXX I talked with XXXX XXXX XXXX, Market Manager at the bank branch located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. After some investigation, I was informed that I was given a different lower rate, because I had renewed my CD a few days before maturity. 

I told XXXX XXXX that nowhere in my renewal confirmation is there a warning that my CD would be renewed at a different, lower rate than what was actually confirmed. He said he would investigate further but as of today I have not heard back from him. 

The confirmation screenshot # XXXX clearly states returns guaranteed and 10 Months ( XXXX ). 

Can you please investigate this issue with Capital One Bank. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: MIDFIRST BANK (TX)

I have been trying to sell the home for almost a year now. The first time I was told I can't short sale because of the liens on the home. Now I my agent has tried to work again with Midland Mortgage with selling the home..they are asking me to list the home for more than what I owe..we have found a buyer and submitted the paperwork in several times and Midland Mortgage always seems to come with a reason as to why the short sale can not go thru. Midland Mortgage has closed the case without mine or agent knowledge and they keep requesting the same info from the agent that she has provided to them several times. They are doing everything for this buyer to walk away it has been almost XXXX we have been going back and fourth with this and it is ridiculous.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (PA)

On my XXXX account there was a collection agency notice coming from credit management LP. When I called this company they told me it was from XXXX 's for {$630.00}. I called XXXX 's and I do not owe this money and there is no debt except for an ongoing credit card that I'm paying which is on time.
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (NC)

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report. 
To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
The unauthorized hard inquiries I am disputing are as follows : [ XXXX XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met.

As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section 611 of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter.

Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing.
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Multiple unauthorized purchases were made with my Kohls department card with out my authorization in the amount of {$840.00} with an available credit of only {$800.00} leaving the balance to - {$45.00}. My identity was stolen and my card used without my knowledge resulting in an unpaid balance reported to all three credit Bureaus. My credit score has been severely impacted as a result of this identity theft. XXXX points to be exact.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NY)

Over the course of a few months I called four different times giving information and inquiring on the status of my account. I do not have specific days that I made the phone calls but I did fax 3 different letters stating that there was a data breach that contained my information. Today is the the fourth time I called inquiring on the status of the credit card/account that I did not open at all was closed and they are still doing a investigation. I strongly feel that they will not help me close the account and it is beyond frustrating and is effecting my credit due to a balance that was placed on the credit card.