davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (OH)

In late XXXX, XXXX enrolled my checking account into a 2-day early paycheck program without my knowledge or consent. I noticed this and called XXXX to opt out of the program on the morning of XX/XX/XXXX. Calling was the only option available to opt out of this service. When I called, the phone menu had no options available to opt out of this new service that no one requested be added to their accounts. There were also no operators available at the time to assist me. I figured I would call back later to opt out, but then starting in XXXX I started receiving emails from Chime, some of which stated in the fine print that I was receiving them because I had an account with Chime. I never opened an account with Chime and suspect that XXXX has partnered with Chime to offer this new 2-day early pay service and has shared my personal information with Chime. I called XXXX and Chime yesterday, XX/XX/2021. XXXX only offered to opt me out of the 2 day early pay service and opt me out of all information sharing, but would provide no other information or help regarding the opened account with Chime or whether my information had been shared with Chime. When I spoke with Chime, all they offered was to have an investigator for a fraudulent account opening contact me over unencrypted email. They refuse to speak to anyone on the phone, but are requesting my full name, social security number, and birth date over completely unsecured email. The investigator did not email me until after midnight on XX/XX/XXXX. On the morning of XX/XX/XXXX, while I was contacting Chime again, I received an email and text message telling me that a debit card was on its way ( to where - I don't know because I did not open the account ). The activity on the account had clearly not been stopped or the account closed or put on hold, despite my call to Chime the day prior to state that the account was fraudulently opened. Chime and XXXX have been unable to assist me without me further jeopardizing my identity. 

XXXX and XXXX XXXX transferred money using the fraudulent account
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (ME)

I submitted my tax refund to XXXX XXXX  who approved me a tax advance on XX/XX/year>. They sent it to credit karma who deposited it into a closed account. Since they closed the account without notice to me, they issued me a check and stated it would take 10 business to get to me. I never received it and have been attempting to get my money since. They keep sending me to a department that only emails and that department hasn't responded in a week at this point. They are withholding my refund for almost a month and will not deposit it into the new account they forced me to make.
Consumer complaint received 2021-07-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I am requesting the Capital One Account # XXXX listed on my Credit report with a balance of {$26000.00} be REMOVED because its being reported inaccurately. 
On XX/XX/XXXX Capital One was informed that the named vehicle/account was surrendered to them and at that time my Attorney requested proof of claim and also requested applications, contracts, pay history and Capital One failed to provide ( EXHIBIT A ) On XX/XX/2018 a signed AFFIDAVIT was issued to Capital One advising them of my SWORN STATEMENT that I in fact surrendered the AUTO to Capital One wrecker service XXXX  who was working on Capital One behalf. ( EXHIBIT B ) On XX/XX/2018 Judge XXXX XXXX XXXX freed me from this debt of {$29000.00} with Capital One because it was proven that I surrendered this automobile as instructed within my bankruptcy at the time. 
( EXHIBIT C ) Capital One stated that XXXX was in possession of car and that they received a call from XXXX stating the car was in a shop and if they did not pick it up after a certain time they would keep the car and sell it, CAPITAL ONE ALLOWED THE CAR TO BE SOLD OR KEPT BY XXXX!! 
BY LAW THE BALANCE SHOULD NOT BE {$29000.00} IF THE CAR WAS SOLD OR GIVEN TO XXXX PER CAPITAL ONE APPROVAL. I SHOULD HAVE A DEFICIENCY BALANCE WITH FEES AFTER THE TRANSACTION NOT THE FULL PRICE OF THE CAR UNDER THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), I DEMAND THAT THE FOLLOWING ITEM IN MY CREDIT REPORT BE REMOVED. 
Capital One Account # XXXX I have attached the proof ( EXHIBIT A-C ) that the above items are inaccurate for your review. 
Under the FCRA you must get these items removed within 30 days of receipt of this letter, to avoid violation of the law. 
Please notify me of the changes and forward me an updated copy of my credit report to reflect changes UNDER THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), I DEMAND THAT THE FOLLOWING ITEM IN MY CREDIT REPORT BE REMOVED.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, XXXX  have not removed the inquiries. I can't call any of the agencies. The phone numbers do not allow you to proceed nor speak to a live person. The only thing that was corrected was my name. XXXX, Experian nor XXXX  did not attempt to fix the problem regarding the inquiries. This has happen before to my credit report in the past regarding wrong names, addresses and inquiries. 
Thank you for your help!
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (WA)

I pulled my credit report and noticed an account that should not be there as it is information that is supposed to be excluded in a credit report, pursuant to 15 USC 1681a ( 2 ) ( B ) which states : ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device So XXXX XXXX of XXXX has violated this law as they did not disclose this information to me and US Bank ( the lien holder ) is equally culpable for participating in this experience so I demand the deletion of this account from all consumer reporting agencies.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( Experian, XXXX, and XXXX ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX  credit reports, the account needs to be deleted from the Experian and XXXX  credit reports immediately. 
The information for this account listed on my credit report is : CREDITOR : XXXX XXXX ( Experian ) and XXXX XXXX-FINANCE ( XXXX ) DELAWARE, BALANCE {$0.00}, OPENED XX/XX/2012, ACCOUNT XXXX ( Experian ) / ACCOUNT XXXX ( XXXX  )
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity Theft. Someone got hold to my person information and Social security number. I believe it happened during the Equifax data breach or the XXXX  data Breach i am not sure. I sent XXXX  and Equifax a FTC report, report number XXXX regrading a fraudulent XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX reporting on my XXXX  and Equifax consumer report. I have no knowledge of this account. I did not open up this account. XXXX  and Equifax refused to block the account as stated under the FCRA section 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. XXXX  and Equifax stated the account was verified, and declined to block this account. I am the consumer and i am the only person that can verify an account. No one else can verify an account that's in my name. So I need this account removed immediately. If XXXX  and Equifax refuses to block this account, I want to know how this fraudulent account was verified, what method of verification was use, who verified that this information was accurate. XXXX  and Equifax has not sent me any of that information as they should under 609 of the FCRA, but yet they are furnishing and reporting a fraudulent account to third parties. Also, as a consumer I have a right to privacy under the FCRA. Section 602 " Congressional findings and statement of purpose '' [ 15 U.S.C. 1681 ] ( 4 ) 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. '' XXXX  and Equifax is violating my right to privacy plus they are furnishing an inaccurate consumer report.
Consumer complaint received 2019-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/XXXX I purchased a pair of XXXX XXXX through XXXX. The order number is XXXX. On XX/XX/XXXX I received a sealed, yet completely empty XXXX XXXX envelope with tracking # XXXX. The package weight was 1lbs or less, obviously and empty envelope. 

I contacted XXXX to file a dispute. They told me to send a message to the seller to try to resolve it. The seller responded and basically said they sent the item they aren't going to do anything to resolve the issue. They told me to file a claim with XXXX  XXXX. I explained that wasn't acceptable. I contacted XXXX and explained the situation. They said they would get me a refund if the seller didn't resolve the issue by XX/XX/XXXX. 

I spoke with XXXX again today as I haven't heard back from the seller of the item and requested a refund. They now directed me to PayPal and said they can't help me and PayPal would need to take over from here. 

I contacted PayPal and explained my situation and that I wanted to reverse charges as I have been a victim of fraud. The first agent hung up on me when I asked for their legal department. The second agent I spoke to told me to file a police report and then MAYBE I could get a refund. I asked to speak to a manager and waited on hold for 26 minutes before I spoke to " XXXX ''. Nice enough guy, but still didn't do much to help. He just said to check back in 10 days. 

It's clear that this is a pattern of PayPal. They do not intend to help consumers with disputes or matters of fraud and instead try to make the consumer go through unreasonable steps after being taken advantage of. I'm sure they save millions by making consumers go through unreasonable steps as most consumers don't have the time or resources to complete the scavenger hunt PayPal puts them on. I called my local police department and they laughed and said there was nothing they could take a report on. There's no criminal law broken when someone sends you an empty envelope. They said its a " civil matter ''. 

So now, I am just a solo consumer trying to battle with two behemoth companies XXXX and PayPal. As they are both refusing to refund my payment I have no option but to eat the loss. Or file a smalls claims lawsuit which would cost me nearly as much as I am trying to get refunded. I am hoping the CFPB can help me rectify this matter as soon as possible.
Consumer complaint received 2021-08-01
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. (TN)

In XXXX of 2020 I sent TU, XXXX, XXXX  a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of 2020. I then sent copies of deletion along with ID documents to TU, XXXX, XXXX  through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/2020. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question
Consumer complaint received 2022-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

On : Tuesday XX/XX/2021 I gave to PayPal Credit an additional {$10.00} for an additional Minimum Payment Due, that was not due to them, at all, for : XX/XX/2021.
Consumer complaint received 2021-08-01
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. (GA)

I am a victim of identity Theft. Someone got hold to my person information and Social security number. I believe it happened during the XXXX  data breach or the Experian data Breach i am not sure. I sent Experian and XXXX  a FTC report, report number XXXX regrading a fraudulent XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX reporting on my Experian and XXXX  consumer report. I have no knowledge of this account. I did not open up this account. Experian and XXXX  refused to block the account as stated under the FCRA section 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. Experian and XXXX  stated the account was verified, and declined to block this account. I am the consumer and i am the only person that can verify an account. No one else can verify an account that's in my name. So I need this account removed immediately. If Experian and XXXX  refuses to block this account, I want to know how this fraudulent account was verified, what method of verification was use, who verified that this information was accurate. Experian and XXXX  has not sent me any of that information as they should under 609 of the FCRA, but yet they are furnishing and reporting a fraudulent account to third parties. Also, as a consumer I have a right to privacy under the FCRA. Section 602 " Congressional findings and statement of purpose '' [ 15 U.S.C. 1681 ] ( 4 ) 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. '' Experian and XXXX  is violating my right to privacy plus they are furnishing an inaccurate consumer report.
Consumer complaint received 2021-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (IL)

I have had enough of big banks stealing money from me because i did not sign up for overdraft protection and was taken for XXXX i am a XXXX veteran who was hit with by the pandemic i can not afford to be taken advantage of like this because they dont care can and will be homeless if cant pay their bills because of your outlandish fees
Consumer complaint received 2021-08-01
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: Ability Recovery Services, LLC (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). ABILITY RECOVERY SERVICE violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
Consumer complaint received 2019-12-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I went through a divorce and applied for a mortgage modification, I followed all the rules all the way to the Ombudsman office ... .... 

I will be sending correspondence from the OMBUDSMAN OFFICE stating clearly the name can be removed in order so I alone may sifn the modification Please help
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (WA)

XX/XX/2021 XXXX XXXX {$630.00} I enrolled into real-time rewards for my US bank altitude reserve card. But the charge above was not triggered the redemption system. So I lost the chance to use my reward points to cover this charge with XXXX cents/point rate. 

I have contacted US bank customer service but they refused to redeem XXXX charge with my reward points and did not provide any solutions. 

Please see the attached screenshot showing my real-time rewards enrollment. Car rental is included and highlighted. Apparently, there are issues in their system.