davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (FL)

Reply from XXXX XXXX XXXX Re : XX/XX/XXXX response from American Express- XXXX XXXX XXXX XXXXXXXX XXXX, you may wish to have someone other than a Customer Advocate be advised of this complaint. 
Each time you have countered my replies to AMEX, you insisted no error was made in your investigation involving the theft of my funds by unauthorized withdrawals. In over twelve years, not one dime has been withdrawn, yet, within weeks, {$250000.00} was removed. Therefore, I would posit : 1. You have not complied with all rules and regulations cited in 15 USC 1693f ; 12 CFR 205.11. 
2. You failed to secure my funds as you stated that not every transfer triggers a fraud concern. Withdrawal of {$250000.00} did not create some type of fraud alert? 
I am uploading the investigation by the XXXX XXXXXXXX XXXX Sheriffs Department validating that your inept, simplified, negligent investigation was no more than a sham. The detailed and more thorough investigation by the Sherriffs major crimes, cyber-crimes, Attorney Generals Office, and Secret Service negate your excuses of no error being made in your investigation. 
Knowing the lawful facts, we can not conclude that American Express Bank ( AMEX ) conducted an adequate investigation. Unauthorized withdrawals were conducted by unauthorized users. AMEX did not attempt to limit the withdrawal of {$100000.00} ( XX/XX/XXXX ) ; {$100000.00} ( XX/XX/XXXX ), and {$50000.00} ( XX/XX/XXXX ). With each of these transactions exceeding the {$10000.00} daily aggregate amount, no Suspicious Activity Report was filed. No communication to this account holder was ever initiated. U.S. law enforcement provides banks with access to resources and tools that can be used to strengthen Bank Secrecy Act ( BSA ) /Anti-Money Laundering ( AML ) risk management programs. 
My funds were removed from AMEX without any recognition of the portent of these stolen funds. You are responsible for this loss. 
1. I would like to see documentation on the extent of the investigation on which you based your findings. It was your duty to offer to share the documents you relied on rather than just a transaction sheet. It is a violation to not produce these documents. Again, the attached investigation by government authorities validates that I did not authorize or conduct these transfers. 
2. Why doesnt every substantial withdrawal trigger a fraud concern? 
3. Why is your logic that you must retrieve funds? Given so many government regulations that Amex did not follow, AMEX gave my funds to unauthorized hackers. The fault lies with American Express. My reimbursement lies with AMEX. 
4. It is also my understanding that if American Express fails to conduct a reasonable investigation or comes to a completely unreasonable conclusion with the evidence they have, I may have a claim against the bank for violations of the Electronic Funds Transfers Act ( EFTA ). Such a claim entitles the consumer to three times their lost damages plus attorney fees.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

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.

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 2023-10-02
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. (NJ)

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 2023-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (AZ)

Obviously this is a game to CashApp. I can care less how stupid these people are because they are just digging themselves deeper and deeper and CFPB allowing it to continue is proving the XXXX that they are useless also. Just ok at sending out mail for people. So the both of you continuing to do absolutely nothing except ignore my rights as a consumer, as veteran and as an XXXX is only building the case proving both of your detriments to the XXXX  people is fine by me. I will continue to allow you to bury yourselves. When I take this evidence to the highest court in the country for reasons that none of you are smart enough to understand, you will learn. Until then I'm going to just keep on allowing to ignorant. 

Cash app responded the to my second complaint with the same response they had to my first complaint. Which didn't make sense or even relate to a young but proving that they are not paying attention or don't care that they just don't give a XXXX XXXX way they are ignoring one import fact. 

THERE IS NO ERROR TO LOOK FOR! SOMEONE USED STOLE MY DEBIT CARD FROM MY BAG. USED IT AND PUT IT BACK. 

YOU HAVE THE DATES WRONG FOR THE TRANSACTIONS. 

THIS HAPPENED AT A CASINO. A CASINO THAT HAS TOLD ME THEY HAVE FOOTAGE OF SOMEONE THST IS NOT ME PERFORMING THESE TRANSACTIONS! I CANT GET THAT FOOTAGE! CASHAPP HAS TO GET IT. 

THERE IS NO ERROR TO LOOK FOR! 

I NEVER CLAIMED THERE WAS AN ERROR! 

THERE WAS UNAUTHORIZED TRANSACTIONS PERFORMED ON MY ACCOUNT. 

WHAT ERROR COULD YOU POSSIBLY LOOKING FOR? 

CAN YOU PROVE THAT I PERFORMED THESE TRANSACTIONS? 

CAN YOU PROVE THAT I AM LYING AND COMMITING FRAUD IN DOING SO? 

IF YOU CAN NOT PROVE EITHER OF THE TWO THINGS ABOVE THEN YOU HAVE TO CREDIT MY ACCOUNT PER REGULATION E. 

I NEVER STATED THERE WAS AN ERROR ON MY ACCOUNT AND YOU EOULD NOT FIND AN ERROR. THE PERSON THAT USED MY CARD HAD MY PIN NUMBER. IT HAD TO HAVE BEEN SOMEONE THAT WAS ABLE TO SEE ME USE MY PIN. I AM AROUND A LOT OF PEOPLE ALL THE TIME. BESIDES OWNING A BUSINESS I AM A XXXX XXXX! I DEAL WITH PEOPLE ALL THE TIME! 

YOU HAVE TO PROVE THAT NOBODY STOLE MONEY FROM MY ACCOUNT! YOU CANT BECAUSE THEY DID! IN ORDER FOR YOU TO DENY ME YOU MUST PROVE THAT I AM COMMITING FRAUD BY LYING!
Consumer complaint received 2023-04-21
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. (FL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (TN)

I am a federally protected natural person who is living and breathing. 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. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable with fines and jail time. Additionally, these misstatements are punishable as perjury. This account found within my credit report is not related to any transaction that I made. I have reached out to this company on several occasions to get them to verify the accuracy and validity of this account. They have failed to respond with any adequate documents showing any evidence that this account was indeed created by me and that the amount they are reporting to my credit report is accurate. 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 this account. This debt collector is in violation for putting this unknown unverified account on my credit report without doing a proper investigation of the account first. This has caused me to suffer by being denied access to credit, not being able to take care of my family, and its defamation of my character and credit.
Consumer complaint received 2023-08-08
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)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX Balance : {$770.00}.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (FL)

Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item 7 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Consumer complaint received 2023-07-12
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: AMERICAN EXPRESS COMPANY (CA)

I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE FRAUDULENTLY OPENED ACCOUNTS USING MY PERSONAL INFORMATION, THE ACCOUNTS AND THE CHARGES DON'T BELONG TO ME. I HAVE REACHED OUT TO THE CREDITORS AND TOT HE BUREAUS BUT BECAUSE THE INFORMATION THE THIEF USED TO OPEN THE ACCOUNTS THEREFORE IT SEEMS LIKE THE ACCOUNTS BELONG TO ME. THESE ACCOUNTS ARE FRAUDULENT, THEY DON'T BELONG TO ME. OBVIOUSLY THEY HAD MY CORRECT INFORMATION THATS WHY THEY WERE ABLE TO OBTAIN THE ACCOUNTS. AGAIN I AM CONFIRMING THAT THE ACCOUNTS AND THE CHARGES ARE FRAUDULENT.
Consumer complaint received 2023-02-15
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. (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 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 2023-10-02
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: Chime Financial Inc (FL)

On XXXX XXXX my account continued to get reoccurring billing from XXXX in different amounts not previously agreed upon by myself, I can not access the XXXX account it is associated with and can not stop the reoccurring billing at all, chime bank in all their infinite wisdom after multiple calls to them finally blocked the merchant. Every time I explain to them that XXXX needs me to log into stop the transactions ( which I can not it is permanently blocked ) they pretty much are telling me its not their problem after multiple attempts to resolve this issue I get told they suddenly changed their policy on how disputes are handled and hung up on Im on the XXXX rebuddle for this dispute and evidence Ive sent to them is not being reviewed properly but sent to other departments I know this now because Ive sent evidence 4 times to them and they only used 1 photo of the multiple showing no access to the account exists if have to start another account with XXXX. Chime bank has been very rude and suspicious when it comes to their sudden policy changes and once things are settled myself and family will be closing accounts we have with them and moving back to traditional banking.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc. (TX)

On Wednesday XX/XX/XXXX, I was using the mobile check deposit through my bank. They use info money services. I took a picture of the front and the back of the signed check from XXXX insurance company. They tell me my funds will be deposited, I just have to write void on the check and send them a picture to complete the transaction. I do that and they reject the check so now I can't get it cashed anywhere else because they made me write fraud on it. I really needed that money. This is an absolute scam and I fell they like they are stealing the funds from the check for themselves.
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, Ive been writing letters to the consumer reporting agencies office since XXXX concerning these 3 unfamiliar accounts they've added on my credit report. 

XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Account # : XXXX Please know that this XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Account # : XXXXhas long been deleted in Transunion and XXXX side but XXXX still shows this in their record. I'm not also familiar with those other two accounts. Kindly help me in the removal of those accounts.
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)

I submitted a letter to the 3 Credit Bureaus to update or remove this suspicious information. I think you have not validated these items 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. Please correct these items immediately : 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 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TX)

JPMCB CARD OBTAIN A COPY OF MY CREDIT REPORT SEVERAL TIMES WITHOUT MY PERMISSION, CALLED COMPANY AND SPOKE WITH REP SHE ADVISED ME THAT THIS WILL BE DELETED OFF MY CREDIT REPORT. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (IL)

On XX/XX/2023, I received an email from Chime Financial , Inc., asking me to set up direct deposit. 

On XX/XX/2023, I received another email, stating my Chime Visa Debit Card has been shipped to an address where I have not lived for more than a decade. Notably, I never signed up for a Chime account ; in fact, I've never heard of Chime. 

On XX/XX/2023, I received two emails from Chime stating I'd successfully sent Pay Anyone Transfers in the amount of {$500.00} and {$0.00}. I immediately contacted Chime and requested they close this account ( I had never opened ). 

I received an Account Closure email from Chime on XX/XX/2023 with the assurance that I would not be responsible for any activity associated with this account.
Consumer complaint received 2023-10-02
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. (GA)

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 Account XXXX Account Name : XXXX Account Number: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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I accordance with Fair Credit Reporting Act. This 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I am a victim of identity theft and the paperwork showing this with the FTC report was sent to the credit agencies. They did not attach this paperwork to my disputes according to the FCRA and did not send me copies of the verification process.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (FL)

Account had fraudulent activity and was reported on XX/XX/XXXX and a claim was entered. Account has been frozen ever since with the inability to access funds ( including accessing new deposits ( weekly payroll direct deposits ). Bank has frozen debit card and rejected automatic payments to creditors, bill payments etc. 

In addition, I was advised to open a new account by branch banker, and redirect direct deposit last Thursday. I opened a new account and made a transfer from a savings account from another bank to fund the account which has had now been frozen as well with the inability to access those funds as well. This process is causing me to have no access to any of my funds and miss payment obligations and incurr additional fees due to returned payments and late fees!
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (OH)

Ollo Credit Card account balances were acquired by Ally Investors. 
New Ally Credit Card was issued and has been received. 

For approximately THREE ( 3 ) weeks, there has been an INABILITY to access my Ally account information. AN ADVISORY COMMUNICATION FROM OLLO SAID THE NEW ALLY CREDIT CARD INFORMATION WOULD FUNCTION IN THE SAME MANNER. 

Ally 's customer service ( different person each time ) has on XXXX phone call from me to Ally, stated my complaint has been noted and is under investigation ; that an Ally representative would telephone me ( only promised XXXX of the 7 times ). My most recent telephone contact was today, XXXX, XX/XX/XXXX. 

Ally 's Customre Serice person can not /will not provide an estimated length of time when this problem will be resolved. 

Given the summation of various of various Ally Credit Card Company comments, I surmise a much larger consumer financial information access problem exists for many, if not all of those persons with Ollo accounts who had their accounts transferred to ALLY - I encourage FCPB to look into the entire situation and use its influence to help further Ally to fix the problem ( s ). 

THANK YOU FOR YOUR ATTENTINO TO THIS MATTER.