davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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. (FL)

I was declined of a credit card XX/XX/XXXX. I then ordered my credit reports. On my Trans Union report, I noticed harmful/ fraudulent information and financial contracts were signed XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX  {$5000.00}, ( ACCT # XXXX ) /contact # XXXX XXXX. My name is XXXX XXXX XXXX XXXX XXXX as reported on this account by XXXX XXXX aka XXXX XXXX ( credit reporting ) as information excepted by Trans Union. 
I disputed this information by mail and online with Trans Union XX/XX/XXXX, file # XXXX with proof of a different name given. I then filed a police report of ID theft XX/XX/XXXX, case # XXXX and made contact was by mail and phone to both XXXX & XXXX XXXX of fraud. To NO prevail, Trans Union continues to report fraudulent info as " VERIFIED AND ACCURATE. 
NOTE : Trans Union along with XXXX XXXX is in multiple violations of the Fair Debt Practices. 809. Validation of debts : 15 USC 1692g ( 1 ), ( 2 ), ( 3 ) & ( B ) 804. Acquisition of location information:15 USC 1692c ( 1 ), ( 5 ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX charged for a procedure that never took place by/for this patient. A premedical exam was done w/ NO additional medical labs work, NOR any medical procedure done with NO medical or patient release was made. It is now with due diligence that government intervention is necessary in these fraudulent affairs.
Consumer complaint received 2020-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am sending this complaint hoping to get a fair solution on this case. Capital One has been not following their own value that says " doing the right thing ''. 

This is the account informatino I am writitng about : Account number XXXX, opened date : XX/XX/2016, limit {$500.00}. This case is worth over {$100000.00}. 

Here is why Capital one is not doing the right thing : They are committing multiple violations to my consumer rights. I made my own research, and they are doing bad by committing the following violations and tiggering this damages : 1. Legal advice expenses.

2. Re-aging charged off account : date last active is being reported after account started being charged-off. This can create unfairness on status of limitation.

3. Not being able to obtain loan.

4. Emotional stress.

5. Unfair business practices 6. Negligence. 
7. Failing to mark account affected by natural disaster.

8. Reporting discrepancies across bureaus : Different high credit.

9. Breach of contract.

10. Reporting false and erroneous information. 

Please make sure that this company receives the attached documentation. 

Thank you very much.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Bank card got jammed in atm when it was trying to return card. As a result the atm would not dispense the XXXX I tried to take out. It took the funds from my account and I didn't get the money.
Consumer complaint received 2024-03-11
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. (SC)

I am writing to dispute the accuracy of information on my credit report. I have recently discovered several accounts that I did not initiate and strongly suspect to be identity theft. These accounts are negatively impacting my credit score and financial well-being.
Consumer complaint received 2022-11-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC. (FL)

This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. 

This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. 

SEE CERTIFIED MAIL TRACKING NUMBER XXXX SENT TO XXXX VIA XXXX CERITIFED MAIL XXXX SENT TO XXXX VIA XXXX XXXX MAIL XXXX SENT TO EQUIFAX VIA XXXX XXXX MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 


I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within XXXX days of being notified of the identity theft.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

credit credit bureau. 
Please correct all information atleast on personal information. 
Attached is 3 credits information. 

there should be only ONE NAME, ONE Address, ONE DATE Birth. 

I dont want to use all technical words of FRCA. In 30 day it has be reported as below mention : XXXX XXXX XX/XX/1978 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX No Employers need to reported After this everything will be dealt in Court of law. I dont think FCRA or FTC can bends you hands
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Credit and Collection Service, Inc. (WI)

I have a debt in collections with Capital Credit. The original debt was filed under the XXXX XXXX XXXX. It is for an unpaid fulfillment of a prescription, which was ordered after my insurance plan expired. The original debt is for {$5300.00} ; but Capital Credit is trying to charge me {$6100.00}. I assume the difference in price is because of interest/fees, but as I understand it, the creditor has no right to charge me interest or fees unless there was a contract with the original business to which I owe the debt, which permits the charging of interest or fees. In this case, there wasn't. The prescription was ordered after my insurance policy had lapsed, and therefore if there were any language in the policy that permitted the accrual of interest or fees, it does not apply.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Chime regarding their handling of my fraudulent transaction disputes. Despite providing the necessary information, Chime has declined my disputes without valid proofs or reasonings for doing so. 

The fraudulent transactions in question occurred on my account on XX/XX/23 at a XXXX XXXX XXXX XXXXXXXX XXXX for {$45.00}. I reported this transaction to Chime and filed a dispute. Chime has declined my dispute without any valid explanation or evidence to support their decision. Their resolution has been to issue me a new debit card when I reported the fraud and then decline my dispute. Theyre evidence consistent of a receipt from the merchant along with the merchant clarifying that SOMEONE grabbed merchandise there but no proof of it being me. The merchant ( XXXX XXXX XXXX XXXX ) claimed to have checked video footage however if they did then it would be clear that I wasnt the one who purchased it. Furthermore, they provided no proof of me ( XXXX XXXX XXXX ) scanning my ID for the alcohol beverages that were bought with my card unauthorized. 

I have provided Chime with all the necessary details to support my disputes, including transaction details, and other relevant information that they needed for the dispute. I have also explained that I did not authorize this transaction and have no knowledge of it multiple times to them. 

Despite my efforts, Chime has failed to provide me with a favorable resolution regarding my disputes. This has caused me significant financial and emotional stress, as I am unable to retrieve my funds or resolve this matter. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold Chime accountable for their failure to handle my disputes appropriately. I am also requesting that Chime refund the disputed amount IMMEDIATELY and take necessary measures to prevent any future unauthorized transactions on my account. 

Thank you for your attention to this matter. Below Ive attached pictures of chimes proof/ supporting documents for declining my claim as well as a screen capture of the charge Im referring to. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/ 2023, I called Synchrony Bank because they were adding late charges on my account when I had sent copies of my checks showing when the funds were taken out! I usually send both bills in one envelope but only one is posted! I made several calls regarding this, Supposedly, I spoke with a Supervisor the last time, and I explained yo her the problem and also that I had lost my husband. She not only decreased my account but also put 3 late payments on my credit report. I have NEVER been late with my payments. The XXXX XXXX advised me not to send both payments on the same envelope because it may get thrown away, and she said it did happen. When I some with whomever calling herself a supervisor she was very very rude. I tried to explain to her that I had just lost my hubby and was adjusting to a new lifestyle. My husband did not leave me destitute, in fact I am very well off. Why she ruined my credit is very frustrating to me! It is called Retaliation! I have several accounts with this bank and I have always paid on time. The mistake was send two or three accounts in the same envelope with checks, and the XXXX XXXX explained this to me. 
This so called Supervisor took it upon herself not only to decrease my credit limit, but also to put 3 late payments on my credit report!!!! If this is not taken off and corrected along with my credit decrease, I intend to SUE this bank and I will win. I have all of my bank statements etc. I am taking this very seriously because I have money to pay my bill, and for this person to deliberately ruin my credit is FRAUD!!!! 
I sent in copies showing where my payment were posted on would post and the other was not!!! Not my fault. This needs to be corrected ( the late payments ) or will will go to court!
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

XXXX XXXX XXXX continues to report a debt of {$330.00} that was paid to the original creditor 10 CITY OF XXXX UTILITIES. This debt was paid to the original creditor prior to shutting my utility service back in 2016. Attached is proof of payment.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid 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: Paypal Holdings, Inc (FL)

I have been hacked and scammed over XXXX times and it continues to happen while my XXXX XXXX sits at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX and I can do nothing I have reported to Police, XXXX, OIG, AIG, CFPB, XXXX, XXXX and elected officials and the credit agencies and Pay pal before this charge even went through because I told them cause it was already charged on my account They did nothing at paypal to stop it and the other company said they were not going to remove it because I reported to paypal and they would get away with it and show proof on there end that they could get away with this, Please HELP, ASAP!
Consumer complaint received 2022-12-06
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: ALLY FINANCIAL INC. (OH)

in accordance with the fair credit reporting act XXXX accounts Alley FInachel, XXXX XXXX XXXX XXXXXXXX has violated my rights 15USC 1681 Section 602 states I have the right to privacy 15 USC 1682 section 694A it also states a consumer reporting agency cabnnot furnish a account without my written instructions 15 USC 1668B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-06-19
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. (NJ)

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 2022-10-29
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. (GA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-24
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. (MD)

Im resubmitting 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 any item 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, MD  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; STUDENT LOAN XXXXXXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX STUDENT LOAN XXXX XXXX XXXX : {$31000.00} XXXX STUDENT LOAN XXXX XXXX Balance : {$44000.00} XXXX XXXX  XX/XX/2021. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-24
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letterverification. I have talked to the banks and they agreed to repair and correct the accounts. Why don't actually research my account history this time and see the errors yourselves? Please update and correct my accounts right away XXXX, XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I paid my capital one credit card on their webpage 3 days from the due date. They charged XXXX for which they state is a late fee if the bill is not paid on the due date. My concern is that the fee amount is predatory in that they did not disclose this and the amount is excessive. I requested proof that this was disclosed to me however none was provided.
Consumer complaint received 2023-01-06
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi This is XXXX XXXX. I have submit a complaint about getting credit card from Capital ONE Savor XXXX Credit card. I usually do not apply with Capital One Credit Card because I know they do not approve me, not they increase my credit limits of XXXX Credit Card. Recently I have received an email from Capital One offer Reservation number : XXXX Access code : XXXX and it was pre-approved offer, XXXX months no interest, I noticed that it might be interesting and useful credit card, I usually do not apply with Capital One as they always discriminate me about credit card offers, I have good payment history, they pull my XXXX report ( which shows no auto loans or mortgage ) but it is not true, I have excellent payment history with XXXX XXXX and it more than XXXX months good payment history, neither Capital One considers any increase in limits, nor they offers or approve me any credit cards. Capital One and XXXX are discriminating me based on my XXXX and national origin or religion. They send me any offers. I have applied XXXX  XXXX card but delaying in application, it was pre-approved offer ... and went down my credit score.. I am very much disappointed. I request from CFPB to address this issue with CAPITAL ONE and why my income ( SSDI ) and AUTO LOANS were not updated in their profiles. Thanks