davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (TX)

The Fair Credit Reporting Act shows violations by the following account : XXXX. XXXX XXXX account # XXXX This account violates the following sections : Section 602 Congressional findings and statement of purpose [ 15 USC 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Section 604 Permissible purposes of consumer reports [ 15 USC 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Section 605 Requirements relating to information contained in consumer reports [ 15 USC 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

and Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. 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.

Considering my right to privacy, exclusion of reporting that isn't of criminal conviction, and the fact that I the consumer never gave the reporting agency written consent to report this account. The following account is being reported in error. Please delete the above account ASAP.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLY FINANCIAL INC. (VA)

On or about XX/XX/2022 I had some suspicious charges on my account. I called the credit card company and they closed the account and was issuing me a new card. I got an email saying my new card was on the way. Almost a month later still haven't gotten the card. Called to check the status and was told there was a plastic shortage and they couldn't say when I'd get the card. Also was reassured that any automatic payments would transfer over to the new account with no problems. Wrong, every payment I had connected to the old card was rejected. I was also issued a pretty large refund from XXXX that has never been credited to my account. I have all the tracking and reference numbers for the refund transaction and no one at the credit card company will try to trace it and see where my money is. The customer service people are rude and pretty much refuse to help.
Consumer complaint received 2020-08-05
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: U.S. BANCORP (IL)

US Bank issued Mastercard double charged me for one purchase on XX/XX/2020. They admit this was an error that they caused, but they still have not reimbursed me for the second charge.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to follow up on my previous communications regarding the hard inquiries on my credit file. Despite multiple attempts to request the deletion of these inquiries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-27
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: Credit Karma (NV)

I XXXX XXXX have reached out to XXXX & XXXX XXXX XXXX XXXX numerous of times about a Payment that's stating I have Debt Owed which is Currently in Collections and Negatively affecting my Credit score.

Therfore With No Response from XXXX, I did Recieve both a Letter and Email from the ( CRA ) XXXX XXXX XXXX stating they don't have No Acknowledgement of knowing Who I am. 

In which Laws have been Violated when it comes to the Collections Practice upon the Privacy of my Credit Profile.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens bank bought my loan from XXXX. 
I have made all my payments timely since XXXX. I am currently XXXX and my husband had a reduction in his salary for a temporary period, so i contacted the company to discuss potential hardship on a temporary basis or deferment or reduction in payments. I was told because its a XXXX unsecured loan They have no options to help me and they threatened to report me to the credit bureau. They said only way i could have any hardship options or even a brief extension is if i went 30 Days past due which would Report in them reporting me to credit bureau but only at that time would they attempt to help me. I have made every payment On time for over three years and they are predators they bought my loan from another bank and will not even give me a simple 1-2 month hardship Or even attempt to help me. I spoke with supervisors XXXX XXXX in repossession and XXXX XXXX in collections and both have confirmed there are no hardship Options for me or deferment or even slight extensions. I don't understand how they could buy me loan and be fdic backed and not even allow me to apply or consider me for this temporary hardship And threaten to report me to the credit bureau especially when i just made a payment 5 days ago but am XXXX payment for this month behind. It was so Horrible what they said to me and how they treated me for XXXX hours on the phone offering me no reprieve because i wasnt a citizens customer when i never wanted to do business with them i wanted to do busines with XXXX. They should not be allowed to buy someones loan and then deny them the right to a loan when they are struggling so badly. This is not right.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Being charged an overdraft fee when there is funds in my acct. I actually notified this when they sent a notice on XXXX. When I deposited enough money in my acct and then paid rent. I was still drafted a fee, dont know how many times they could have done this at Wells Fargo XXXX
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Affirm Holdings, Inc (NY)

In accordance with the fair credit reporting XXXX account Affirm ID XXXX, has violated my rights. 
15 USC 1681 section 602 states have the right to privacy.

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

15 USC 1666b : A creditor may not treat a payment on account under an open consumer end credit plan as late for any reason.
Consumer complaint received 2020-07-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX BANK OF AMERICA with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-05-31
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: WELLS FARGO & COMPANY (IL)

Wells Fargo continues to insist that XXXX fraudulent charges made to my credit card ending in XXXX are valid. Both were done in XX/XX/2022, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. I am XXXX and can XXXX XXXX and already provided medical evidence to Wells Fargo about my medical condition. My husband also sent a letter to Wells Fargo stating he never drove me to the locations where the fraudulent charges were made. Wells Fargo is accusing me of 1 ) filing a false fraud claim and 2 ) illegal filing a false police report for the fraudulent charges. This is defamation. They continue to say they are not insuating either 1 or 2 above but they are lying- they are saying it by default since they keep telling me the fraudulent charges are valid. 

In their last response, Wells Fargo claims they cooperate with police on investigations. I want proof of what specifically was done wo work with the XXXX XXXX Police on the investigation for the police report I filed. 

No more lies, You can not claim to have worked with the Police Department and still hold me accountble for the fraudulent charges.
Consumer complaint received 2022-11-29
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. (TX)

HELLO, MY NAME IS XXXX XXXX, A FEDERALLY PROTECTED CONSUMER. 

I AM A VICTIM OF IDENTITY THEFT. THERE IS FRAUDULENT INFORMATION ON MY CREDIT REPORT THAT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IN 4 BUSINESS DAYS.

FRAUDULENT ACCOUNTS : 1. Account Name : XXXX XXXX - XXXX, XXXX XXXX - XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX FRAUDULENT PHONE NUMBERS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America stated that all my accounts were under auto payments. I have 13 accounts and payments every month were unwieldy given the banks set up. Unbeknownst to me they canceled card with no explanation. I believe the banks acts to be discriminatory. I asked for a complaint form and they said they filed one on my behalf. I asked for a copy of it and they refused to produce it. I believe that this bank is not far behind XXXX XXXX and needs to be fully investigated for detrimental practices to small businesses and consumers. 


XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Someone was about to get in my savings account and deposit out multiple transactions in the amount of {$80.00} 16 times. I got in contact with chase bank and filed a claim and they denied me saying they could not find any evidence that my account being tampered with and then told me the transactions was made using my phone. I asked what do I need to do to get my money back they told me to file police report. I filed a police report and fax it to the claim team and they told me they never received it. I fax it over again and when they finally received it they denied it. I asked about sending my bank statements and they said they did not accept those. I asked the person well what I can do and that I was even at work when these transactions was made and he told me to get my clock in logs to show I was at work during the time. I finally got ahold of those from my job and sent them over and now they denied those saying that's not enough evidence to reopen my case.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have 2 random 30 day late payments from Kohls but i never received a bill. Not sure if they sent it to the wrong address and auto payment isn't an option. They only call me after the payment is missed and then I pay right away but 2 times they put late payments on my credit. It should not be on there because it was not my fault since i didn't know that it was due. Can you please help me get it removed? I have tried disputing it with the bureaus but not had success. Thanks
Consumer complaint received 2024-03-29
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HELLO, MY NAME IS XXXX XXXX, A FEDERALLY PROTECTED CONSUMER. 

I AM A VICTIM OF IDENTITY THEFT. THERE IS FRAUDULENT INFORMATION ON MY CREDIT REPORT THAT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IN 4 BUSINESS DAYS. 

FRAUDULENT ACCOUNTS : 1. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT PHONE NUMBERS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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. (WI)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX  XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX Balance : {$70.00} XXXX XXXX Balance : {$290.00} XXXX  XXXX  XXXX Balance : {$610.00} XXXX, XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX. XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$450.00}
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION (WI)

NEW COMPLAINT : Pentagon federal locked my account AGAIN. That is 9 times this year, and for ***REGULAR*** payments and expenses I make. This is beyond ridiculous. Every call to them takes an hour to fix this, and usually requires more than XXXX call to fix. This is inexcusable. 
Pentagon Federal also was unable to fix the lock throughput the ENTIRE HOLIDAY WEEKEND which is also inexcusable. They seem to be fraudulently holding funds without reason and without the proper Personnel available to remedy the situation. These things violate the bare minimum expectations of a consumer towards their Bank and they need to be addressed.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MT)

On XX/XX/XXXX : It appears that someone opened an XXXX XXXX credit card account with my personal information, used our business checking account number ( gathered fraudulently by hacking into our CHASE BANK online banking ), then paid off that XXXX credit card with our business checking account. 

The total stolen amount is of {$22000.00}. 

There was another attempt by potentially the same group, on XX/XX/XXXX, with a XXXX credit card for a payment of {$23000.00} charged to our business CHASE BANK checking account. Luckily chase stopped that XXXX. The one from XXXX wasn't stopped in time and CHASE is unable to return the funds because of Regulation E not being applicable for business accounts. 

We have opened a claim with XXXX to recover the missing {$22000.00} ( Claim number : XXXX ) on XX/XX/XXXX but we have not heard anything back to this date. 

Attached you will find the Chase claim, and our XXXX statements with none of the amounts matching the {$22000.00} stolen.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/XXXXXXXX  I accepted a balance transfer promotional offer from Chase. The terms of the balance transfer were : 0 % variable APR based on the Rate through your billing cycle that ends in XX/XX/XXXX XXXX with a transaction fee at initiation of 5 % the amount transferred. 

The attached XXXX statement reflects the application of the {$12000.00} balance transfer and the {$600.00} transaction fee. 

I pay the statement balance of this card automatically every month. There was no adequate indication that the statement balance would include the balance transferred under the promotional terms. The automatic payment options on this card are : " Statement balance, '' " Minimum payment, '' or " Fixed payment. '' There is apparently no option for a responsible person to arrange an automatic payment that recognizes the explicit terms of a balance transfer. 

The attached XXXX statement, the very next month, reflects an automatic payment of {$12000.00} ( plus {$96.00} in actual card charges ). 

I called Chase today to attempt to rectify the situation. The agent acknowledged that other cardholders had called with this same difficulty! I was transferred to the payments department. The only resolution they would offer was to reverse the payment, placing the {$12000.00} back onto the Chase card **at the card 's APR of 18.99 % **. Under virtually no circumstances would this be a prudent financial decision. Then I suggested they could refund the transaction fee of {$600.00}. The agent attempted to do so twice and was instantly declined twice, raising the question of what sort of adjudication, if any, is actually applied in these situations. 

With this practice, Chase lures customers to transfer balances up to their credit limit, using an attractive interest rate, collects a generous transaction fee, obtains repayment on a schedule that is inconsistent with the explicit terms of the offer, and then attempts to further gouge the customer at their standard rate. This is further predatory as it victimizes consumers who need their money back enough to justify a usurious interest rate. 

I am a responsible user of credit and to be targeted this way is the exact type of abuse the CFPB was designed to protect against.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX 2023, I was enrolled in Experian ID Restoration Services. This was initiated by XXXX XXXX also new name of XXXX XXXX. XXXX XXXX experienced a Data Breach which placed my Personal Information on the World Web for a period of time. This has transitioned into Identity Theft which requires 2-3 hours daily of work relevant to my Credit Restoration XXXX Monitoring, and placing Preventative measures in place. It's amazing how much can be done with my Personal Information. And sad to say, but to some extent this will be a lifetime of work. It seems as if this Identity Thief or Group never takes a break. I'm untrained in this area, and I have never experienced this type of situation. 
It seems although XXXX XXXX has contracted with Experian ID Restoration to aid in my Identity Theft, I am the one having to do all the work, and again in an area in which I have no training in!! 
For months, I have been requesting from my Restoration Specialist, XXXX, the name of her Supervisor, and also the Supervisor who is over Experian ID Works. I have been told for Several months that I will be connected with the Supervisor, but for some strange reason, it never happens. This should be my right.