davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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. (NM)

The most recent report was made on XX/XX/2022. 
In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act as a military family they have violated the SCRA ACT as well. Due to the hardship resulting from it the incomplete BILLING ERROR reported on the XXXXXXXX XXXX XXXXXXXX  by XXXX XXXX ACCT # XXXX The billing error is Status 30 days past due Status updated XX/XX/2022, Balance {$1200.00},.
Consumer complaint received 2022-11-22
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Arronrnts # XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX 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 2022-11-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO. (NC)

These guys realize that there was a mistake made They removed it from the credit report on XXXX the XXXX And now they have put it back on the credit report as of XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (UT)

Care credit advised me that they were lowering my XXXX available credit limit to the exact amount owed, two months prior to my XXXX interest promotion was ending. 

I asked them to increase it to the expected interest amount, and they refused despite my 100 % payment history with all of my creditors. 

This means that as of this month, all interest has become due, and they are now charging overage fees, and have reported to the credit beurous, damaging my credit. 

I have always been on time and feel that their tactics are predatory. I do not have the money to bring it down faster than my standard payment.
Consumer complaint received 2024-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (MI)

On XX/XX/year>, this company began falsely reporting that I owed money to them for a debt that I never entered into via a valid contract. I do not have a contract with this company. In violation of the FCRA 15 USC 1609, this company is using abusive tactics to extort money from me. They are being deceptive in the fact that theyve used my personal identifying information to profit from the sale of the information to others that have no lawful authority to use it. This company has no ties to me or the use of my name with out my consent. They have failed to provide proof of a verified valid contract. This has caused me damage in the fact that I have been denied credit. They are liable in their private capacity for the damages.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (PR)

I made a payment of {$1100.00} by mistake. The correct amount was supposed to be {$110.00}. I immediately used the card 's application feature to cancel the incorrect payment and made the correct payment of {$110.00}. This was done in less than a minute. Now my account is on hold for several days because the cancelled payment is being characterized by the company and its system as a returned bank payment, which is incorrect. I cancelled the original payment because it was for the wrong amount, I entered an additional number 1 by mistake. 

This company is treating me as a criminal for an honest mistake that can happen to anyone. This practice is abusive and inconceivable.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VT)

Unable to talk to anyone at Experian. 
XXXX XXXX  just results in going into a loop with no options to talk to a person. 
They show that I owe {$510.00} dollars to XXXX XXXX XXXX Acct # XXXX I have a Bank Statement for the Month of XX/XX/2021 that shows I paid them {$520.00}. 
I think there may have been {$10.00} interest or some other extra charge.

I expect that the {$510.00} is probably showing on the other two credit reporting agencies as well.

Credit agencies seem to be making it impossible to talk to them, and when there is a problem like this that hurts ones credit in an unfair way, there ought to be a way to correct it without a major hassle. Isn't it time for the Credit agencies be shaken up and made to SERVE the Public rather than screw everyone over??!!
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Zions Debt Holdings (AR)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MD)

On Tuesday, XX/XX/year>, I received several notification via text stating that the Cash App accounts for my personal use and for my business had been terminated due to violations of their terms of service. I reached out to Cash App support the same day to determine the reasoning for the account closure to which they responded and stated that it would take 60 business days to receive a response. On Saturday, XX/XX/year> ; I received an email from Cash App support which provided the same generic response that I in some way, shape, or form violated the terms of service without providing specifics on which terms.
Consumer complaint received 2022-11-29
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: HCFS Healthcare Financial Services of TeamHealth (IL)

This company has never been given consent by me to communicate with me regarding an alleged debt, nor to furnish information to my consumer report. Doing so, without my consent is an infringement upon my privacy and a direct violation of federal laws. 15 USC 1692c ( a ) as well as 15 USC 1681b ( 2 ). I am demanding that this company delete this account from my consumer report and Cease and Desist any and all communication with me as it relates to the collection of any alleged debt ( s ) by/through all means except for the United States Post Office . 

This company furnished this same account/information to my consumer report TWICE!! 

No consent is identity theft. I will also be filing a complaint with my states attorney general, Florida 's state attorney general, the XXXX XXXX XXXX as well as the U.S. Department of Health and Human Services for possible HIPPA and privacy rule violations.
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (GA)

On Wednesday morning,   XXXX   XXXX  , I deposited my paycheck in my suntrust checking account. On Thursday,   XXXX   XXXX  , I received an email from suntrust saying that the check was on hold. I contacted them to find out why and was given multiple conflicting answers. My work researched everything they could to find out what was going on, because as far as they were concerned there was nothing wrong with the check and no reason it should be held. Our accounting reps spoke with their bank, the bank the check was drawn on, and discovered that the check had cleared on   XXXX   XXXX  , the same day that I deposited it. The hold was n't placed until the following day. Bank reps from our company bank contacted suntrust but suntrust refused to release the hold. I also contacte d SunTrust, many times, and so did my payroll department. They refuse to release the hold. The check has already cleared, it cleared immediately. Suntrust has taken my  paycheck and the funds they received from it and they have stolen them from me. All attempts to communicate with them have failed and despite the fact that the funds have cleared, they are still refusing to release them.
Consumer complaint received 2022-11-17
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. (NY)

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 XXXX XXXX XXXXXXXX 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 2022-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Seattle Service Bureau, Inc (HI)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

LVNV Funding has not provided any form of signature or valid documentation that I signed for debt. You have continued to report an account that has already been removed by XXXX, XXXX and XXXX as it was proven to be incorrect. You are continuing to report an incorrect debt to XXXX with XXXX proof of validation. FCRA violations have continued despite the fact that you have been notified of incorrect debt. You have no legal right to hold a fraudulent debt to my account that has previously been removed by all other reporting agencies
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CO)

I am an American Express XXXX cardholder. I used the travel booking benefits available to cardmembers on XX/XX/XXXX and attempted to book air travel online using their website. Their website allowed me to select the flight and go through the booking process, but when I attempted to book, I received an " internal server error. '' I called after several attempts to book online. 

The agent saw a price for my flight that was several XXXX dollars more. He told me he could only honor the price he saw. I attempted to book again via website and still seeing the same, lower price I had been offered before, I was unable to complete the booking and received the same internal server error message. 

I had to book at the higher price. I filed a complaint with American Express to investigate the issue. They contacted me today to tell me that there was no server issue ( despite my having a screenshot of the issue ) and that they can not honor the price on the website because the inventory is " live. '' I offered to send them the screenshot to show that there was an error, and I was declined.
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MN)

XX/XX/2023 amount of XXXX $ and XXXX $ was sent to a chime user unauthorized by me it was fraud. My card was stolen and I had to request new card. The company said there was no error found in there investigation.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

On my American Express account, I had an additional card for one of my employees, XXXX XXXX. He passed away around XX/XX/2022. At some point ( at least several months ago ), I went to the American Express website, planning to remove/cancel the card. That option was not available online, so I took the option of " freezing '' the card. 

Today, I discovered that I incur a {$170.00} annual fee for each additional cardholders. I called American Express and had them remove XXXXXXXX XXXX XXXX altogether. I asked if they would refund the {$170.00} fee or a portion thereof since XXXX had died over a year ago. 

They did not. Is this within their rights?
Consumer complaint received 2022-11-21
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. (PA)

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. 
for XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX 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 XXXX 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 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

I had disputed some transactions totaling {$730.00}. The merchant involved agreed I wasnt the one doing the charges. I sent the paperwork to Chime. They have refused to investigate and refuse to credit back. As a result theyve denied recurring payments that I did authorize and have affected my credit. Every time I call I get someone in another country who doesnt understand and wont help me. They are illegally holding my money and refusing to help with the dispute that the vendor is ok with
Consumer complaint received 2022-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

CFPBs available options do not adequately describe my situation. To begin, several times there have been billing inconsistencies. On one phone call in which I attempted to address this issue, the CapitalOne agent seemed completely incapable of understanding what had occurred or addressing my concerns. Most recently, the company withdrew money from my auto-pay account that I did not actually owe. This resulted in a negative balance on my card. In other words, CapitalOne stole these monies. 

In a separate issue, CapitalOne is now declining purchases, even for vendors with whom I have been doing business for years and whom I have paid using my CapitalOne card on many previous occasions. On the morning of XXXX XX/XX/2022, I called and spoke with an agent, who informed me that there was a fraud watch on my card. I explained that the card is not useful to me if CapitalOne is going to decline to approve purchases. I then asked the agent to cancel my current card and send a replacement. I requested this several times and was very clear in making this request. There was also another person present who was a witness to this conversation. 
This morning, I received an alert that a previously declined purchase had been approved on the card that I requested be cancelled three days ago.

I have been an exemplary card holder. I believe I have had this card for more than four years. Every month I pay the entire statement

balance. On one occasion, my payment processed the day after the due date ( due to how CapitalOne processes its payments ), and the company charged me a fee. I asked that it be refunded, due to my excellent payment history, and the agent refused to do so.

I am an attorney who is well aware of my rights. If I am having these types of problems with CapitalOne, I can only imagine what difficulties less informed, less educated consumers are having. From my perspective, the company is not acting in good faith and is violating the law.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NCB Management Services Inc. (LA)

I am contacting you to request the prompt removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this constitutes a clear violation of the FDCPA and FCRA. I insist on their immediate deletion to rectify this legal infringement. Please remove these accounts and information without delay.
Consumer complaint received 2023-05-24
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 am contacting you to request the prompt removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this constitutes a clear violation of the FDCPA and FCRA. I insist on their immediate deletion to rectify this legal infringement. Please remove these accounts and information without delay.
Consumer complaint received 2022-11-17
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. (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. 

XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Receivables performance ; XXXX XXXX XXXX XXXX 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 instruction.

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 2017-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Orions Management Group, LLC (CA)

In  XXXX  of  201  7, when attempting to purchase a car, I learned that Orion Management Group, purchased an old debt, original cr editor,  XXXX   XXXX , in  XXXX   2017 . Initially, I was not sure w ho Orion w as, it just appeared on my credit as a debt of over  8000.00 do lla rs ( incorrect amount and over the amount of original debt ). I did a   XXXX   search on Orion a nd called them on  XXXX   XXXX ,  2017-the office  was closed. However, this is when the harassing phone calls began as they retrieved my number from caller ID when I called them on  XXXX   XXXX ,  2017  in an attempt to gather more information.     Since  XXXX   XXXX ,  2017 , I have received multiple calls stating that they have attempted to serve me with Court papers and if I don not respond I will possibly get arrested-each time this call has transpired I have actually been home and no one has showed up with Court papers.     Today,  XXXX   XXXX ,  2017 , I received a call as well as my mom, stating our property is in jeopardy and we MUST respond or it will be transferred to local jurisdiction.
Consumer complaint received 2022-11-17
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. (NY)

I have contacted XXXX  XXXX XXXX and Transunion on numerous occasions since XXXX of XXXX  concerning the fraudulent attempt to obtain credit in my name to no avail. 

XXXX  XXXX XXXX acknowledged the reported fraud but did nothing to assist with having the related inquiry removed from my report. 

Transunion is demanding that I receive a letter from XXXX  XXXX XXXX supporting my claim which I have done several times to no avail. 

Transunion is refusing to investigate my claim in accordance with FCRA. 

Fraudulent inquiries XXXX  XXXX XXXX - XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

PNC Bank had committed fraud with my account # XXXX. They have lost my money over {$2500.00}. They do not have a withdrawal slip. I have contacted the bank manager as well as their conflict resolution person, XXXX, phone number XXXX. 
I want the return of the stolen money. Refund {$2500.00}. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX