davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NC)

Account opened email received on XXXX for an account I did not open or authorize. Card on the way email received on XXXX for card associated with account I did not authorize. 
Called number on the email where the automated system could locate my account, offered a call back so I didnt have to provide additional information to authenticate. Call back received and then when I expressed the account was opened without my authorization they wanted me to provide information to authenticate because they couldnt find the account without the information. Feeling this was a potential scam I did not provide information. The company is called Chime. The phone number provided to call if the account was not authorized is XXXX. 
The company would not close the unauthorized account without me providing additional information.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX XXXX @ approx XXXX I stopped at a drive up atm ( XXXX ) that was provided by USAA XXXX I did everything requested to withdraw {$300.00} the money slot never opened and the screen stated you did not take money in allotted time, but then printed a receipt like I received my funds. I sat there and called usaa and they directed me to call my bank which is XXXX XXXX XXXX XXXX I filed a dispute with them and the lady stated of this happens sometimes, they gave me a prospective credit on the XX/XX/XXXX I received a letter from by bank and it stated usaa showed that I benefited from the transaction when I never received anything so on XX/XX/XXXX they took {$300.00} back out of my account. There is a big camera above the atm and they refuse to check I've done 2 disputed with my bank with no resolution.
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Specialized Loan Servicing Holdings LLC (FL)

Hello my loan modification went into affect XX/XX/24. This company decided to add a fee of {$30.00} to my payment this month. When I called to see what it was for, the representative said it is past due and it is for a Property Inspection fee that they added. 

I was never notified in any of the documents prior that I owe any {$30.00} fee for inspection and there is even an inspection that is going to get done, they said I don't have to authorize it, they can send out an inspector as they wish and charge me for it. 

-Also when I looked at the last statement online dated XX/XX/24 showed that fee to be waived. ( attached ). No XXXX statement showing yet. 
-Their website just shows {$30.00} fee, not stating what the fee is for. ( screenshot uploaded ) - payment history ( attached ) The communication here has been rather very poor and it is not right to just add fees however they wish and tell me I have to pay for it. If they are wanting to do an inspection, it is up to them to do so at their own expense, not charge me for it.
Consumer complaint received 2020-08-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TN)

I am outraged, I looked at my credit report today to find out that Speedy Cash has reported a fraudulent derogatory mark on my report. 
The debt shows opened XX/XX/2019, I have not had any form of a payday loan in 5+ years. 
I would also like to note that every payday loan Ive ever had in the last 10 years has been paid off BEFORE the due date. 

I have not done any business with Speedy Cash in over 5 years. 

This is fraudulent. I called them 4 times requesting validation of this debt for the last 2 months and they have been non responsive! 

This is illegal and I demand that this be removed from my report.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Is Reporting a Fraudulent account i have reported this account for over XXXX year and XXXX XXXX to side corporate scam, abuse of power, in conspiracy with big XXXX and abusing consumer with the reporting of ILEGAL AND FRAUDULENT INFORMATION XXXX XXXX XXXX # XXXX {$5200.00} Past XXXX XXXX Opened {$5000.00} Credit Limit {$5200.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current XXXX {$40000.00} High Balance {$35000.00} Balance Individual Account Installment Account Type Open Condition XXXX Date Reported {$650.00} Payment These Account are not mine and they are fraudulent i have told the for the past year
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (AK)

I submitted a lengthy review of my credit report to Experian. Experian stated it was me who submitted it, so they denied it despite me showing identification proving I submitted the report. I demand that the credit bureaus review my dispute in detail and show absolute proof these debts are mine ( which they can not ), or remove them altogether. 

If CFPB has powers to order their removal, then I request this step be taken
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

My credit was initially run on XX/XX/2022. I am in the process of buying a home and my mortgage lender alerted me to an XXXX report finding by " TD Bank USA/Target '', which I do not have any affiliation with. I then spoke with TD Bank Card services at that time and they said they did not have any account affiliated with my name or social security number. 

On XX/XX/2022, I got an alert from XXXXXXXX XXXX that my credit score had changed and there was credit activity outside of my usual. I was able to see that a credit card was opened under " TD XXXX '' and there was over {$9600.00} charged to the card. 

On XX/XX/2022, I spoke with XXXX XXXX XXXX and had my credit score frozen and increased security on my account. Also on XX/XX/2022, I reached out to TD Card Services directly and they were unable to locate the account using my name, social security number.
Consumer complaint received 2020-08-05
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-12-30
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

1. I was denied credit based on erroneous information provided by experian resulting in a loss of XXXX for purchase of an item and getting a XXXX XXXX Credit card. 

2. XXXX XXXX used fake information provided by Experian to deny me credit. 

3. Experian will not accept my dispute online and the only other way to dispute erroneous information is by a phone number that does not allow you to report the dispute due to a very long hold time and then hangs up on you and has very limited hours of operation. 

4. Experian appears to not have the level of security needed to prevent XXXX entities from accessing my credit report, as all that is needed is a merchant account and my social security number, which I had to provide when I traveled to XXXX. 

5. XXXX XXXX states that I was denied credit base on my Income Vs Debt ratio. Since my debt vs. income is very good, this is an impossibility.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (NC)

XX/XX/XXXX, I applied online for a credit card with Amazon, whose cards are provided by Chase. I was told I would receive an email once a decision had been made. I did not receive any decision email from either Amazon or Chase in response to my application, nor did I ever receive any communication through the regular mail. 

I contacted Chase directly by telephone today, XX/XX/XXXX, and was informed that my application had been declined on XX/XX/XXXX ( almost a month and a half prior ) due to insufficient credit history. When I inquired about appealing this decision, I was further informed that they only provide 30 days for a decision to be reconsidered. When I pointed out that I was never informed of their decision to be able to request reconsideration, the representative from Chase simply repeated that they provide only 30 days and if I am interested in a card with them, I must apply again from scratch. 

I have XXXX complaints about my treatment and experience. First, that Chase violated the ECOA and the FCRA by not providing me with any notice at all of their decision to decline my credit application - not through email as was stated would happen, and not by regular mail. Second, I believe their conduct was unfair as defined by the Dodd-Frank act. Through their own failure to provide me notice in a timely fashion ( or any fashion at all ), Chase blocked me from participating in their own appeals process in a way that I could not have reasonably avoided. Additionally, the representative I spoke to stated explicitly that there was nobody else I could speak to about this problem and there was no way for me to lodge an appeal at this point.
Consumer complaint received 2020-09-27
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6300.00}, {$83.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

Even though I have almost XXXX balance as I have used my BJ 's Perks Mastercard from XXXXXXXX XXXX they are suspending my card and was declined even though they admit I have an allotment ( free balance of {$3500.00} ) and told me that I made too many PAYMENTS on my card and was suspended for 72 hours XX/XX/2020 Online Payment from Account ending in XXXX {$400.00} XX/XX/2020 Online Payment from Account ending in XXXX {$290.00} XX/XX/2020 Online Payment from Account ending in XXXX {$100.00} XX/XX/2020 Online Payment from Account ending in XXXX {$200.00} XX/XX/2020 Online Payment from Account ending in XXXX {$300.00} XX/XX/2020 Online Payment from Account ending in XXXX {$270.00} XX/XX/2020 Online Payment from Account ending in XXXX {$100.00} XX/XX/2020 Online Payment from Account ending in XXXX {$200.00} After I called to find out why this is being done they are saying the software was written in XXXX and that only applies here, when I tried to advise them that USC 16c of the FDCPA specifically does not allow credit bureaus or collectors to  suspend payments received they told me they didn't care in a recorded phone conversation and to make a complaint. I thought this was so bizarre that I would follow thier opinionated advice and report them for violation of US Federal Law and they can thank thier call center in XXXX for the wonderful experience.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

> XX/XX/2020 I had a online deposit to my Chase checking account for XXXX from XXXX   XXXX. 
XXXX The XXXX XXXX  check was drawn off a Chase account > I live in XXXX, AZand the address on the check is XXXX Arizona > I received a notice that the deposit was put on hold and the funds would not be available in my account until XXXX XXXX. The message was vague and did NOT provide any concrete justification > I've attempted to call Chase 3 times and was put on hold for over 20 minutes each time after which I gave up. 
> It is my understanding Chase is required by law to make available {$200.00} within the first 24 hrs ; {$600.00} the following 24 hrs.
Consumer complaint received 2023-06-27
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. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX 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 instructions.
Consumer complaint received 2020-08-05
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. (CA)

I'm just wondering what's happening with accounts I disputed on XX/XX/2020. I still have not receive any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where i'm at, but i figured 40 days should be enough. I also read that if i dispute again while my first dispute is active it will just extend the investigation time. I figured i might as well file this complaint now instead of sending another dispute which will delay my investigations more.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (PA)

I opened my card through XXXX XXXX  and it was handled by Elan Financial services. The card had 20 months of 0 % interest on purchases and balance transfers. I had made a balance transfer and made several purchase that the 20. months expired XXXX of XXXX. I paid off the balance transfer in XX/XX/XXXX. I attempted several times to pay off the purchases before the expiration of the promotion. Each time the payment was directed to a balance transfer that expires XXXX of XXXX. After each payment I would call Elan to  verify if it went towards the purchase, Each time I called they would say no only after the minimum payment was paid would it go towards the purchases balance. I paid the entire purchases balance on XX/XX/XXXX. Upon calling to verify it went to cover the purchases, I was told it was not, but would automatically correct itself when the statement was issued. When my XX/XX/XXXX statement was issued I was charged interest on the purchases. Upon calling once again and speaking to a superviser to find out how to pay the purchases off I was told by the supervisor that I would have to pay off the entire card. If I didn't, any payments would be directed to the balance transfers that expire XXXX of XXXX and one expiring XXXX of XXXX. I paid the entire card off minus the interest charged. Basically, I was scammed into paying unavoidable interest and charged balance transfer fees for an unusable promotion, that I would not have incurred if the over 20 phone calls someone would have told me that I would be doomed to pay interest charges and the 0 % promotions were scams
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (NC)

I got optional insurance via phone from XXXX in XX/XX/XXXX. I cancelled the insurance via phone on XX/XX/XXXX and received an email from the insurance company that the policy was cancelled. The mortgage company, Ditech, made monthly payments to the insurance company for 4 months before the mess was straightened out. It took some time before XXXX sent a letter of cancellation to Ditech. XXXX bought Ditech last year and there is no contact information for Ditech on the web and the old phone numbers are no longer in service. Although XXXX bought Ditech, I was told by customer service that XXXX can't help me since this happened under Ditech. I'm trying to get a mortgage loan now so that I can buy a house. The mortgage company that I'm dealing with now will not approve the loan with those late payments on my credit report.
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing to you because I am having problem with Capital One Credit Division. On XXXX I received a grocery delivery from Walmart.com and that was the beginning of a nightmare. the amount of the order was {$75.00}, on XXXX this amount was paid in full. I received a bill in XXXX stating that I owed them {$12.00} and that the transaction was {$88.00}, and every since XXXX they have been doubling the amount of this money that they said that I owed them. The last statement that I received was XXXX and the amount is now {$90.00}. 

Capital One has put this lie on my credit report which stared out as {$12.00} is now escalating every month and they have ruined my credit. The being of XXXX I asked Capital One to close my account, I received a letter from them on XXXX stating that the account was closed, but when I check my credit report in XXXX the account hadn't been closed until XXXX. Capital One also lied on my credit report saying that I had had account with them since XXXX and that a lie. On XXXX I received a letter from Walmart stating that ownership of my account will be transfer from XXXX XXXX to Capital One, and I have statement from both Walmart and Capital one.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

My mortgage account with XXXX is not being reported to Experian due to an " internal credit agency policy ''. According to XXXX, the data is accurately reported to Experian. According to Experian, the data is not being accurately sent by XXXX. This same account shows up accurately on all other credit agencies.
Consumer complaint received 2024-02-26
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Scott Fetzer Financial Group Inc. (MA)

I only received a letter denying every account on my credit report. That's not true. I have several open accounts in good standing that I definitely don't want to deny are mine. Every account, even derogatory accounts that are mine, they're saying aren't. And they have not done anything. I paid off my cards and raised my score on my own. They did nothing. I was lied to. XX/XX/2020 I paid {$130.00} to start and {$89.00} a month. I stopped for XXXX.