davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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: SYNCHRONY FINANCIAL (SC)

XXXX, I went to the XXXX to get a XXXX XXXX XXXX, the exam and x-rays were free for first and new patients.that was done.The doctor did not do a thorough examination, an x-ray that needed to be done was not, because the machine was not working.The XXXX looked in my mouth and I was told I have XXXX XXXXXXXX, with no other explanation.I asked for my XXXX XXXX XXXX XXXX of XXXX, and was told to stop using XXXX XXXX to use brushes because i had XXXX XXXX.She said i needed XXXX XXXX, I assumed she meant the XXXX XXXX which was broken and to small to hold a XXXX or to be able to make a me a beautiful XXXX step was a consultation, to talk about a treatment plan, the cost, the services, and payment.the consultant did not discuss a treatment plan, payment or services that were available for personal payment or help with payments for services.I was told they needed to get a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they had to make it.I had to leave to get my grandson from school, so I asked could I come back.I did, after getting the XXXX XXXX XXXX XXXX, I returned to the consult, where I was shown models of partial XXXX and to pick whether I wanted flexible or the plastic which was less expensive, for what I thought would be temporary use.I chose the flexible, so he then shows me a paper with different payment months and asked me XXXX or XXXX, of payments, and said he could get me XXXX for credit so I wouldn't have to pay out of pocket.I had money, and XXXX but was told they didn't except XXXXThen I handed the phone to speak too a lady for permission to pull my credit because I had a lock on it for identity theft.I agreed, ,and in about XXXX, he said I was approved by carecredit for XXXXStill had not told anything about what treatment plan or the cost. Gave me an account number, and said I would receive my card in the mail. scheduled me appointment for the following week XXXX XXXX to come in and get my XXXX XXXXXXXXI got my card in XXXX, and returned for my appointment and immediately had to slide the card for payment before anything was done. after that I setup my account and tried to use the account number he had written down, and it was not recognized, when I did get the account setup I saw the charges and they did not match what I had on paper.I was not happy with the temporary XXXX XXXX and tried to email him from the information he provided on his card, and the information was not recognized.I went in to talk to him and he said the papers were not correct, those charges were not right and not to worry
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (KS)

What happened is my problem is with chime bank! They are holding my money from me because they say no error occurred? The claim starts like this I was trying to get XXXX  on my TV. I could not get the form to come up and it did not.So a made a call to XXXX  about the form and the guy said no problem I will put it on your phone. The guy had access to my phone, while I was filling out the form he was going through my phone waiting for chime to send authorization for yes or no! And that is when he went into my account and wiped me out XXXX $
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

My previous landlord forged a check in the amount of XXXX XXXX dayed XX/XX/2022, waited to cash it until XX/XX/2022. I moved out on XX/XX/XXXX and they have my security deposit of {$950.00} irregardless, they do not have the right to forge my signature. My bank is Capital One and they said that they will not refund me the money despite the fact that I submitted proof that i moved on XX/XX/XXXX, to a town over 4 hours away because I have written previous checks to XXXX XXXXXXXX ( previous landlord ) Its forgery and i need my money back.
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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (CA)

I placed an order on XX/XX/XXXX form a merchant name XXXX for an amount of {$3000.00} and {$2200.00} totaling an amount of {$5300.00}. The merchant canceled my order due to their ( EXTERNAL FRAUD DEPARTMENT ) the merchant told me that they canceled my order and refunded me but the total amount which is {$5300.00} was never refunded back into my account, Instead it posted on my account. I disputed the total amount with my bank and brought it to there attention. They gave me a temporary credit of {$5300.00} but then a couple days later that temporary credit of {$5300.00} was reversed back into my account.

Leaving my account with a negative balance which I believe I shouldnt be liable paying for.

American Express canceled me out and closed my account. They then shared my information with a third party affiliated with American Express, but did so without my authorization and American Express did a charge off on my account and sold my information to a third party department which is illegal and I never received a 1099-C as required by the IRS. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I want to revoke any and all authorization I the consumer may have given written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

I have email proof of me having conversation with the merchant when they canceled my order and they told me to contact my bank.
Consumer complaint received 2023-06-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

The bank is first citizens bank head quarter at XXXX XXXX XXXX, XXXX, NC XXXX and we have been dealing with the branch located at XXXX XXXX XXXX, XXXX, NC XXXX the problem we have is that my mother in-law passed away and after opening her safe deposit box there are 2 Certificate of deposits that the bank can not locate in there records or can not show that have or have not been redeemed. I have the original XXXX XXXX, the 2 of them are over XXXX dollars and one is from XXXX and one from XXXX. First Citizens tells us they don't keep records over 7 years. My mother in law was very frugal lady, and saved these XXXX XXXX for her kid 's inheritance and the bank will not honor these.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid 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. (NC)

On XX/XX/2023 XXXX fraudulent purchases were made to my citi double cash mastercard. I received text messages and emails for citi card about the purchases on XX/XX/2023 asking if i made the purchases and I replied NO. I called citi card and reported the fraudulent charges. The purchases were made at XXXX XXXX XXXX XXXX in California. I live in North Carolina and do not know anyone in California and have not visited that state in 20 years. 

The charges were reversed but then reinstated a couple of months later.
Consumer complaint received 2018-12-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 we received a letter from Wells Fargo home Mortgage that effective XX/XX/2018 they will no longer be accepting our mortgage payment that our loan has been transfered to XXXX XXXX XXXX and that I should received a letter from then with the new account numbers. I called XXXX on XX/XX/2018 and asked them where my paper work was they said letters have not gone out as yet, I called Wells Fargo on XX/XX/XXXX because I received a statement from them for my XX/XX/XXXX mortgage, they told me that they can no longer accept my payments and payments should go to XXXX I told them that I have to account numbers to write on the check and they said that I should call them. I have no information on my new loan servicer and I do not want to mail a check without an account number written on it as they will not know where to post the payment.
Consumer complaint received 2022-06-28
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX 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.
Consumer complaint received 2023-05-31
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. (VA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC (VA)

XXXX Cash 1 in Arizona has been harassing me and threatening legal action regarding a title car loan. Calling texting voicemails. I owe them approximately {$3000.00}. Today day with penalties and interest its {$9000.00}. These deceptive practices are hateful and awful. I have spoken with them this month and last month to negotiate. Recently I asked if they could waive the {$6000.00} just in interest alone that is owned and allow me to continue with payments on the amount I borrowed of XXXX. I have made payments to them but they stopped because of a hardship. I was trying to even go so far as surrendering the vehicle to them at one of the cash1 locations. In hopes they would sell it and put that against the money owed. Due to it not running the cost would be enormous. I am also a XXXX veteran and trying to resolve this the best I can. XXXX at a loss for words at this point.
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-03-31
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. (MI)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$87.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2022-10-21
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: Bread Financial Holdings, Inc. (MS)

Commenity bank stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they've also violated my rights under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written consent Also Commenity Bank took more than XXXX XXXX  to complete my investigation here is certified mail tracking # XXXX
Consumer complaint received 2018-12-09
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: EQUIFAX, INC. (WI)

XXXX, Equifax, XXXX  and XXXX are all reporting an unverified bankruptcy. When I disputed the item and asked them to verify it, they said they verified it through the courts. 

That is impossible and incorrect. The courts DO NOT speak to or verify items with third party agencies or credit bureaus. I even sent them the letter to prove this and they still are improperly showing this unverified bankruptcy.
Consumer complaint received 2023-06-22
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. (TX)

I have sent multiple letters regarding this account status reports {$500.00} past due but the account is a collection account. also states status updated XX/XX/2022 but balance updated XXXX XXXX this account is reporting inaccurate information and should be removed. 

Acount # XXXX XXXX XXXX original creditor : XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (GA)

I do not have a debt or a contract with National Credit Systems and they are reporting inaccurate information on my credit report on XXXX. 

I dont give them permission to report this information and ask for an immediate removal
Consumer complaint received 2022-10-21
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 had this issue with each credit reporting agency for a number of years. I have never had a student loan nor have I ever taken out a credit card with XXXXXXXX XXXX yet every time I see my reports, these two accounts continue to appear. I have uploaded exhibits to assist in helping me remove these accounts from my reports.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE (IN)

My Huntington debit card and checking account were frozen due to multiple, legitimate deposits that I made to XXXX XXXX XXXX before and up to XX/XX/XXXX. I had attempted further deposits but received a deposit error since the card was locked. I then self-excluded from the app to protect my winnings which I received confirmation of on XX/XX/XXXX from XXXX XXXX. On the morning of XX/XX/XXXX, I called Huntington to unfreeze my debit card which they did. Approximately XXXX in deposit transactions were then processed bringing my balance down to XXXX. I contacted Huntington to dispute this since the charges shouldnt have gone through, and they closed my account and today denied the dispute. Theyve shown nothing but a complete disregard for fiduciary responsibilities and consumer protection. I deposited some XXXX since opening the account recently and instead of locking in the XXXX  remaining balance as I intended via self-exclusion, they let it get drained and then acted like I was the one doing something wrong by closing the account and ruling against me without asking for any documentation. The customer service rep from their dispute team today told me that I couldnt file a CFPB complaint because the dispute and account are closed.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I requested a copy of my credit report on XX/XX/XXXXand discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.
Consumer complaint received 2023-05-01
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: BSI Financial Holdings, Inc. (TX)

Between XXXX and XXXX of 2021 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-09-23
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. (NC)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.