davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc (CA)

XXXX XXXX XXXX XXXX charge me {$300.00} on my account now when I call XXXX XXXX XXXX they say they don't have no record of this but on my account it shows that they took out {$300.00} and my chime account that I have is not taking this into consideration that they don't have no info about just {$300.00} but they gave it to them without my authorization
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

I never received a bill due XX/XX/XXXX from XXXX Comentity Visa and was told nothing was sue for that date. I had paid the bill due XX/XX/XXXX in full but was charged interest because the credit card company had not received it in time, although I had mailed the payment on XX/XX/XXXX. The credit card company removed the interest charge for XXXX because I argued that it invites payments by mail and I can not control the speed of the mail delivery. Similiarly, it is not my fault that I didn't receive the XXXX bill and even though I called the credit card company, they said nothing was due. I disputed the bill XX/XX/XXXX and only paid the amount that I calculated was due. I was later mailed the bill that was actually due XX/XX/XXXX weeks later. 
Because I did not pay the full amount due for XXXX, even though I questioned the bill and was not provided a full itemization of charges until a copy of the XXXX XXXX was sent, I was still charged interest. 

I demand that all interest penalties and late fees be returned to me and that the credit card company report to all credit rating bureaus that all of my payments have always been current.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (NY)

I was recommended by my bank ( Santander ) to open a XXXX account with XXXX XXXX, who it affiliated with Santander Bank. I met XXXX XXXX on or about XX/XX/2022, at which time I informed him that my business was not ready to accept the services, however, he continues to call with the help of Santander Banker. We met again on or about XXXX XXXX at the bank and he asked me for my information, and again I told him that I was not ready to open such an account. He guaranteed me that he would only take the information but will not activate the account until I was ready to do so. 
Although, I did not give him permission to activate the account, he did so at his own accord with XXXX XXXX. Funds were immediately debited from my account starting XX/XX/2022, up until XXXX XXXX. 
Santander Bank closed my account without any notification and referred my business to a collection agency. I am requesting to have my business reinstated back in good standing. 
I was informed that XXXX XXXX 's affiliation with bank was terminated.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (TX)

Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 a says " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 
I have the right to make sure my private information isn't shared which is supported by 15 USC 6801 which says " 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. '' AVANT LLC/WEB BANK is a financial institution by definition under that title. 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. '' AVANT LLC/WEB BANK the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, XXXX, AVANT LLC/WEB BANK 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. '' AVANT LLC/WEB BANK Never informed me of my right to exercise my nondisclosure option. Not only that 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 1681s2 ( 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 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' TAKE NOTICE I am opting out of your reporting services.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-31
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. (NY)

I have on my credit report XXXX fraudulent hard inquiries in my name from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent accounts in the sum of {$4200.00} open XX/XX/XXXX. XXXX  XXXX have XXXX fraudulent accounts in the sum of {$1400.00} open XXXX/XXXXXXXX XXXX XXXX XXXX  have XXXX fraudulent account in the sum of {$830.00} open XX/XX/XXXXXXXX XXXX have XXXX fraudulent account in the sum of {$300.00} open XX/XX/XXXX. I have written and called experian, XXXX, XXXX about XXXX XXXX
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rent Recovery Solutions (TX)

I called the debt collector the three people i spoke to did not advise me that they were recording the call and when i tried to advise i am recording they passed me off. Also I am XXXX and this dispute is hard to deal with they have called also called without identifying and not giving a personal identifier.
Consumer complaint received 2022-08-29
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : 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 2022-08-29
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1692 d ( c ) states that its a violation for advertisement for the sale of any debt to coerce any payment of debt.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : 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 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I notice Fraudulent accounts being reported on my credit file and according to the FCRA 15 USC 1681 it is illegal to report inaccurate information, I am a victim of identity theft and did not make them charges please delete the accounts that's attached to the affidavit immediately. I have reported the theft of my identity to the FTC and my State Attorney general office. please delete the accounts as soon as possible to correct my credit file.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I've set my loan up on auto pay multiple times and told it was only to find after payments were late there was no record of me setting it up because it was done in the branch and they refused to remove negative items
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I've set my loan up on auto pay multiple times and told it was only to find after payments were late there was no record of me setting it up because it was done in the branch and they refused to remove negative items
Consumer complaint received 2023-08-11
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. (FL)

The following accounts/inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX and XXXX XXXX XXXX Inquiry Date XXXX
Consumer complaint received 2023-02-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (CT)

my name is XXXX XXXX .i am XXXX XXXXjust now i am in XXXXfor daily expense i amintenational trnsfer money through Remitly usa co.. XXXX XX/XX/2023 i got the email from remetily transfer {$2200.00} from my bank XXXX XXXX XXXX account through my debit card. my debit card details are with remitly.it was Rs XXXX in my name XXXX post payment ending in XXXX which not mine and i did not authorised this transction .iI complaine to compney and XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-29
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: AMERICAN EXPRESS COMPANY (GA)

There is a fraudulent charge on my account that I have been trying to resolve for months from XXXX XXXX XXXX which is located in Florida and I live in Georgia. I saw the charge on my account XX/XX/2023. I have never used garage services in my life and when I tried to dispute the charge American Express is denying the dispute.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

Most recent correspondence received from LexisNexis dated XX/XX/2022 stating unable to authenticate. I have mailed 4 separate certified letters containing my driver 's license, social security number, proof of address and identity theft report. LexisNexis returns an " unable to authenticate '' letter each time. They have not and will not initiate the dispute I have requested.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-04-27
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: BARCLAYS BANK DELAWARE (NC)

Hello, I am a XXXX XXXX XXXX XXXX  in XXXX NC. I use XXXX ads to advertise my home listings. On XX/XX/year> my XXXX ads manager account was compromised. First they changed my daily spending limit to {$5000.00}. Then the fraudsters created a T Shirt ad for their product to sell. They attempted to charge my credit cards on file 125 times of which 34 transactions were charged for a total of {$21000.00} on XXXX different Mastercard 's that are on file in my XXXX ads manager account. One was a Barclays Mastercard account ending in XXXX and the other was a XXXX Mastercard ending in XXXX. There was also one charge to my XXXX account. Total charges were Barclays Mastercard- {$18000.00} XXXX Mastercard- {$3600.00} and XXXX- {$230.00}. XXXX and XXXX both deemed the charges fraudulent and refunded the charges back to my account. 

Barclays Mastercard refuses to refund {$18000.00}. There 5 internal investigations " determined that the charges were valid based on a previous purchase history with the merchant '' ( XXXX ). 

In the attachments I have emails from XXXX support who ran there own investigation and concluded that my account was compromised. XXXX also states in the email ... '' We've refunded all the fraudulent purchases back to the original source where the charges are taken out so you need to talk to your credit card provider '' XXXX only refunded 1 charge for {$170.00} back to the Barclays Mastercard account. 

After more than 14 months later neither Barclays nor XXXX has resolved this issue and refunded the fraudulent charges of {$17000.00}. I am making monthly payments on the Barclays card with very high interest rates, By paying the minimum amount it will take me 29 years for a total of {$55000.00}. 

Attached I am providing .... 

XXXX ) XXXX ( XXXX ) Charges that were paid by my credit cards. 
XXXX ) XXXX XXXX emails confirming my account was compromised and the charges would be refunded. 
XXXX ) Barclays 5 different investigations results letters. 
XXXX ) Police Report In conclusion .... I also know of 2 other people in my town who have had the exact same situation happen with XXXX and their credit card company. XXXX person who happens to be my boss was able to get the charges resolved through a complaint with the CFPB.
Consumer complaint received 2023-08-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

My husband and I had a credit card for more than ten years with XXXX XXXX XXXX. We had credit ratings of the mid XXXX and a credit line of {$30000.00}. We paid our full balance every month, on time. My husband passed away, so I closed that account and opened one in my name. My income is about half of what our dual income was, I have no mortgage, rent, or car payments, and my personal credit score was XXXX. I was given only a {$5000.00} credit line on my new card, and my credit score began to plunge. I used over half of that available credit in the first month, again, paying off the entire balance on time. However, my score continues to plunge. The excuse is that I used over half of the available credit! Is this some kind of Catch 22, or a scam? They give me an insultingly low credit line- totally disregarding my history with this institution- and then ding me for using too much of it?!!! I took out a second credit card with XXXX XXXXk, and they only gave me {$3000.00} credit line. My total credit line is less than one-third of what we had previously and I am very upset over this, as my nearly-perfect credit score continues to plunge.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (NY)

I have submitted a formal dispute letter addressing inaccurate and unproven derogatory information on my credit report and kindly request a thorough review and correction in accordance with applicable regulations.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

Dear recipient, I, XXXX XXXX XXXX, acting as the representative of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, am writing to express my dissatisfaction with the conduct of AMERICAN EXPRESS. This complaint pertains to the agreements outlined in the recent presentations, which were sent to AMERICAN EXPRESS via registered mail with tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, certified mail numbers XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. 

I can confirm that the registered securities, accompanied by the Instructions and XXXX XXXX XXXX, were dispatched to AMERICAN EXPRESS on XX/XX/2024, and the receipt of this package was duly acknowledged. However, AMERICAN EXPRESS has responded with multiple letters referring to different dispute reference numbers, none of which are functional. Furthermore, the account number XXXX indicates that no open dispute is on record, despite the disputed amount of {$41000.00}. Consequently, the account has been blocked and rendered unusable. 

According to the terms outlined in the XXXX mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AMERICAN EXPRESS was expected to provide a response within ten days, by XX/XX/2024. Regrettably, we are now one day past the agreed-upon deadline, and AMERICAN EXPRESS has failed to provide the appropriate documentation to honor the agreement. Furthermore, AMERICAN EXPRESS has neglected to send a detailed letter explaining any potential delay, as was previously suggested. Instead, they have sent correspondence unrelated to the matter at hand. 

I kindly request that you thoroughly examine the communication sent via mail, utilizing the registered mail references mentioned above. Please review the terms and conditions established by XXXX XXXX XXXX XXXX concerning this issue. I appreciate your attention to this matter. 

Thank you for your time. 

Yours sincerely, XXXX XXXX XXXX Agent of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Account numbers : # XXXX, XXXX