davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2023-09-03
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: Experian Information Solutions Inc. (GA)

The below inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (GA)

So i went to buy a car i did money orders after i got there he didn't accept it and demanded cash or chime because i will have it right away, i first send him a XXXX dollar to test and went through... right after he took a second and say send it wich i did and started acting XXXX like he didn't receive it and i called the bank and told me that the account was recently created and wasn't the one i send the money .... i try many forma to make the bank pay me .... i did call them right away in the moment and they frozen the transaction and i believe that close the fake account but the did not release me the money is been 2 years now or more .... i try to report to them everything but was no success
Consumer complaint received 2023-06-06
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. (TX)

I am a victim to XXXX XXXX I am very limited on getting a XXXX XXXX due to my court foster care and adoption records being redacted and sealed I request permission from the current judge who only gave me a limited file with redacted information in reference to my XXXX  status I was told some information in my case could not be shared with me Senior Associate XXXX XXXX with Experian challenged every XXXX document i sent in she even went above and beyond to contact outside agencies in the letters I sent in to verify the validity of the documentation whereas she denied my block requests stating documentation is invalid I am truly a victim of XXXX XXXX and Im tired of crying out for help my ssn and name has and is continuing being used and shared by XXXX my credit file is destroyed I seeked help from Oklahoma Housing Authority for a section 8 voucher due to XXXX XXXX XXXX again in my adult years Im tired of running from XXXX XXXX XXXX Im just trying to get my life back!!! And the bureaus is no help!!!
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (PA)

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.
Consumer complaint received 2023-08-29
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: JPMORGAN CHASE & CO. (IL)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Appeal Regarding Unsatisfactory Veterinary Service Dispute with Chase Freedom Card I am writing to appeal to the Consumer Financial Protection Bureau for assistance with a recent transaction dispute on my Chase Freedom card. The transaction in question pertains to a service provided by a veterinarian for the treatment of my dog and cat. The transaction took place on XXXX of XXXX with XXXX XXXX for amount of XXXX dollars. 

Briefly summarized, my pets were administered steroid injections by this new veterinarian with the expectation that it would alleviate their symptoms, including itching, swelling, hotspots, biting, and licking paws. Sadly, three days post-treatment, not only have their symptoms persisted, but they have also significantly worsened. 

Given the lack of improvement and the deteriorating health of my pets, I contacted Chase Freedom 's customer service to dispute the charge, hoping for an understanding and resolution. However, their approach towards the situation was unyielding. They suggested I consult another veterinarian and produce a statement that confirms the ineffectiveness of the previous treatment. While I understand the need for verification, I found this requirement burdensome and potentially inconclusive. A secondary veterinarian, without prior knowledge of my pets ' condition pre-treatment, would be ill-equipped to provide a definitive comparative statement. 

Furthermore, I inquired if Chase would bear the costs for this secondary consultation since it was a condition they imposed, but this was declined. It feels unjust that, in seeking redress for a service that was ineffective, I am compelled to incur further expenses, with no guarantee that they would be recouped. 

It is important to understand that my dispute is not based on mere dissatisfaction but the tangible worsening of my pets ' conditions post-treatment. It is disheartening that the resolution offered involves additional financial and emotional stress for me. 

I kindly request the Consumer Financial Protection Bureau to intervene and guide this matter to a fair resolution. I genuinely believe that I should not be held accountable for charges related to services that not only failed to deliver their promised results but also led to further complications for my pets. 

Thank you for your time and attention to this matter. I trust in the CFPB 's mission to ensure consumers like myself are treated justly in financial dealings and look forward to your guidance. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (CA)

I am urgently reaching out to you for the XXXX  time to address a pressing matter with my accounts. JPMORGAN Chase recently declined my deposit not once, but twice, Rejecting the funds that would have Rectified negative balance in my checking account that requires immediate attention since it is slated to close. This situation is causing serious concerns as it affects my credit score and is hindering my ability to open a new bank account. I am no longer banking with Chase, and the prolonged process resolving this matter seem unnecessary. Despite making multiple attempts to rectify the negative balance, the issue persists, and it is adversely affecting my financial obligations. Specifically, I have rent due on XX/XX/XXXX, child support payments, and other essential bills that I am struggling to meet.I want to emphasize that I have committed no criminal offenses or fraud of any kind nor have i in the past. My sole request is for the ability to pay Chase the negative balance on my checking account and ability to withdraw the liquid funds from my brokerage account, which rightfully belongs to me. The urgency of this matter can not be overstated as I face the imminent risk of losing my apartment. I implore your immediate assistance in resolving this matter swiftly and allowing me access to the funds in my brokerage account. Waiting for 60 days, or even 30 days, is not feasible, and the potential consequences are severe.Thank you for your urgent attention to this matter. I am hopeful for a swift and positive resolution. Thank you for taking the time, XXXX XXXX
Consumer complaint received 2024-03-31
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. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Trans Union, 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 backed by 15 USC 6801 which states 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 informatioXXXX XXXX XXXX XXXX XXXX XXXX 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. '' XXXX XXXX XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies Trans Union XXXX 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 Trans Union, XXXX, XXXX or XXXX XXXX XXXX XXXXXXXX XXXX  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. '' XXXX XXXXXXXX XXXX XXXX XXXX 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. Trans Union, 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. '' I am opting out of your reporting services.
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (GA)

I have been trying to gain back full access to my name since 2017 information was leaked in a data breach and has been used by monsters ruining my credit and reputation I have to raise XXXX children as a single mother this has been a hassle and a huge inconvenience in my life being denied because strangers are misusing my information I work hard to upkeep I need this resolved immediately so I can buy a house and do my business properly without the fear of being attacked again an again please keep your personal information secure one wrong move can have you being a victim like myself to identity theft
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (AZ)

I received an email stating I owed a debt to XXXX XXXX for the amount of XXXX from XXXX. This debt is not on my credit report and I have never received or inquired on services through XXXX XXXX in XXXX I am a victim of identity theft in which my twin sister was using my social security number for financial gain. It has been reported to my local law enforcement agency who has investigated this matter. I did report identity theft to the social security administration and my social security number was changed because I provided so much documentation and proof that XXXX was in fact using my information without my permission and or consent. 

XXXX XXXX from TrueAccord Corp a debt collector has fount my email address to contact me. He's also using my current address to justify the debt. I've lived in my current XXXX for almost 5 years and the debt he claims I owe was from XXXX. He didn't provide any other information other than what looked like a screenshot of any body 's account. He can't prove or hasn't proved it belongs to me!
Consumer complaint received 2024-03-31
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. (TX)

I, XXXX XXXX, a federally protected consumer, am the author of this complaint. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given the following companies listed below, whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802.

Pursuant to 15 USC 6802 I am officially exercising my right to opt out, effective immediately, and hereby instruct the companies listed below to stop reporting and to delete this account from all consumer credit reports immediately. 

1. DEPT OF ED/XXXX XXXX XXXXXXXX XXXX. XXXX Please removed these non-mailable addresses from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

In XX/XX/2023 I paid off my account with Citi Card XXXX in the amount of {$220.00}. This was an electronic transfer from my XXXXXXXX XXXX XXXX. 
My XX/XX/XXXX  statement showed no payment, so I paid it again, electronically. And called to report it. My XX/XX/2023 statement showed ( 2 ) credits. I used one credit on XX/XX/2023 and closed the account. In XXXX Citi Card debited my card stating they never received my XX/XX/XXXX  payment. And debited the card. 
I spoke to the disputes department and sent a statement from my bank showing I paid it twice, this included bank accounts, tracking numbers, dates and amounts. This was sent certified mail XX/XX/2023 Track # XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX, MO XXXX. The disputes department received the info but can not find the payment dispite the fact my bank did charge me for the transaction. 
To date Ciri Card has been unable to locate my payment dispite providing them with everything they have requested. 
Now, when I call, they are asking for everything I have already sent AGAIN! They acknowledge receiving my info but cant locate where my payment went?
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sensible Auto Lending, LLC (PA)

Sensible Auto Lending Accont had been sold. In which I didnt sign contract with new lender. 
XXXX XXXX XXXX took me to court in which I was awarded judgement. 

I sent court order to credit bureaus and requested deletion of account from reports. Instead my request was not honored and is going against consumer laws.
Consumer complaint received 2023-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX took this off my credit in XX/XX/XXXX because it was identity theft, It was placed on Lnvn Collections in XXXX of XXXX. I asked them to send me a copy of contract they sent me an affidavit. I want this account removed from my XXXX because XXXX and XXXX removed in XXXX of XXXX because this is not my account, I have sent XXXX letters and they keep saying verfied with no proof, I sent them ftc report dated back in XXXX and police report and still have not taking off my credit report.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

On XX/XX/XXXX, at XXXX a transfer was made to a unknown user for {$2000.00} from my Chime account. I disputed the transaction because there was several new logins from unknown user with the name of XXXX XXXX. Despite this fact the very next day Chime said my dispute was denied which is the fastest Chime has ever moved. I requested the information that Chime used to determine their decision on the XXXX and reopened my claim but Chime again denied it the next day and never sent me the information used to determine their decision.
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (IA)

I was alerted today that I received a hard inquiry on my credit report from Capital One. I have not opened or created any account with them. I called Capital One and was verified by my Social Security Number and DOB. They then asked for my name and account number. I gave them my name and they said my account was associated with someone else 's name. I have no account number. They would not provide any further information and hung up on me. I have put a freeze and identity alert on my accounts with XXXX, XXXX, and XXXX. To dispute an inquiry, I need Capital One to alert them there is a problem and they will not.
Consumer complaint received 2023-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I was a victim of a predatory auto loan- they collected {$4000.00} down payment- my car was totaled 4 months later and I was severely injured- my insurance and gap insurance should have covered it- When I finally went back to work they took my first paycheck in an un authorized automatic payment- I was almost evicted. 
They have since decimated my credit. 
They continue to increase my credit limit and charge late fees.
Consumer complaint received 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (DC)

My original complaint # XXXX, was closed today, XX/XX/2023, by Mercedes-Benz with explanation . The company 's explanation is insufficient and in dishonor. This matter is still open.
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

Hi, I had Venmo account for many years. 
Recently I opened their new advertised teen account for my XXXX XXXX XXXX son and deposited {$70.00}. Right after that both accounts became " frozen " and completely unusable. Can't do anything, send it withdraw my money. Contacted Venmo support multiple times. XXXX times called them + opened tickets. No help there. It's super frustrating for me and my kid. 
Venmo support keeps telling me they will review in XXXX business days, but actually nothing happened