davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On Thursday, XX/XX/XXXX, I discovered several unauthorized transactions on my Chime debit card totaling in excess of {$2000.00}. I immediately locked my card and contacted Chime to report the unauthorized charges. Within hours I received notification that my claim had been denied and was informed that I could request a copy of the information that had been used to reach that decision. I initially submitted that request for information on Friday, XX/XX/XXXX, and was told that it could take up to 10 days for the request to be processed. 

In the intervening time and with no explanation, Chime closed ( and locked me out of ) my account. When I finally received the information I had requested, it was in the form of a link to a Chime webpage that I could not access because my account had been locked. I informed Chime support of the issue and requested that the information be sent in some other form, and after 10 more days I received the exact same email I had received before containing a weblink. This happened 2 more times ( culminating in a 2 hour long phone call with Chime support on XXXX XXXX ), and each time I received the same response. 

Chime will not allow me to appeal their decision without having any new information to provide them, but I dont have any new information to provide ( on the one hand ), nor do I have any understanding or insight into whatever information they used to reach their determination ( on the other ). 

I found it remarkable that Chime was able to reach that decision so quickly ( on XXXX, nonetheless ), until I did more research and learned that many other people have had a similar problem with Chime and that the problem seems to be more about the dollar amount of the claim than anything to do with its validity. As far as I can tell, Chime has essentially aided in the theft of {$2000.00} from me.
Consumer complaint received 2023-10-14
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: DISCOVER BANK (AR)

I first reached out to XXXX about unsatisfactory item. The shoes I purchased were stained and smelled funny. They were not in greatcondition like advertised in listing on website. I asked to return and refund and was told no. 

I reached out to XXXX. I sent proof ( pictures ) of the stained shoes and markings all over them and showed XXXX policy of items must look like what they are listed as, XXXX agreed they did not and were not in great condition. XXXX said if I returned the shoes they would issue refund. I returned merchandise to poshmark and provided tracking info. XXXX said XXXX agreed to the refund. XXXX said they saw the item was return per the tracking info and the refund was issued. 

I was waiting for refund and it was taking awhile so I asked Discover my credit card that is connected to my XXXX account and, the agent took over and initiated the dispute. A temporary credit was issued. Then poshmark responded changed their tune and did not agree to refund and Discover found in their favor. I reached out and asked why and found out they over looked many documents that I had send so the reissued a temporary credit. 

I waited several more moths and checked in regularly with them and they kept saying it looked like it would be found in my favor. I was worried and asked what would happen if it was not found in my favor. I was told on multiple occasions that they could do something in house to make things right. I found out today it was not found in my favor. I asked if they were going to do something in house to rectify this since I no longer had the product in my possession and, they said they wouldnt. 

I contacted XXXX and they said the case could no longer be reopened so Im looking to you for help. This is not fair. Im being required to pay for goods that I no longer have. Its not right. Its highly unprofessional that XXXX didnt honor their policy to begin with. Then for Discover to take over a dispute only to leave me with zero resolution or options moving forward and to pay for goods I no longer gave ownership of.
Consumer complaint received 2023-02-12
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. (MI)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXX XXXX XXXX, 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 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 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 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (GA)

I applied for an Apple Credit Card by Goldman Sachs and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (PA)

At XXXX EST on XX/XX/2023 I received an email saying : We need to speak with you about your Apple Card account. 

Be sure to call us at your earliest convenience. Call XXXX or click here to chat to contact us. 

I reached out immediately via the chat service and was told to reset my Apple ID password. I did as requested. After I did this, they forwarded me to another representative to " continue the process '', but I had to wait 1 hour for this next agent. The next agent told me the card was locked and under review, and that they would call me when the review was completed. They said they could not tell me why the account was locked, or how long the review would take. 

I reached out multiple times the next day and was told the same. I also tried calling and waited on hold for an hour before being told the same thing. 

There was no information provided to me about what could have caused this, how I could fix it, or how long it would take. 

My card has a balance on it, and I have auto pay set up. I asked if auto pay would still trigger even though I had no way to view my balance or submit a manual payment. They said they could not even provide me with that information. So for all I know, auto pay will still happen, or the balance will roll over and I'll owe interest payments. 

After searching online I found that this is a common problem. People report that once the account is locked for review, it could take weeks or even months to get it resolved, and there is no way to get any information about the process. 

My understanding is that Apple Card is managed by Goldman Sachs. I've had the card for years and been a member in good standing, never missing or even being late with a payment. 

I saw no suspicious charges on my account before it was locked.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate request. These companies have XXXX business days to remove the identity theft from my report which I have stated is not the result of material misrepresentation and they have refused to uphold my rights as a consumer. The identified accounts must be removed in accordance with consumer law and to protect my right to privacy and a correct report. Please see attached documents for immediate removal.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc. (MO)

I got a car with Americas car mart in XXXX, Mo XX/XX/2022. Ive had nothing but issues with the vehicle since I got it. It took them a year to fix my heater. Ive mentioned other issues and they dont even want to address the issues. I paid extra on the loan to add a service contract that is close to expiring. The car is only valued at around {$3000.00} and by the time Im finished paying the vehicle it will have paid XXXX or XXXX on a car that is literally falling apart. The car is going to end up breaking down before its even paid off. This company is crooked and severely over priced on their inverntory. They made me feel as though I was getting a deal but I have not. Not even a month into owning the car I had to replace all the tires on the car, the muffler is going out, the engine/transmission is slipping and half the time the car doesnt want to crank. I no longer want the car and I feel if I try to return the car they will fight me on it. I have already been cheated out of plenty of money.
Consumer complaint received 2024-03-21
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. (OH)

I am a co signer on a mortgage loan with my daughter for the account of XXXX XXXX and was never made aware of any payments being late or was not included in a repayment plan. I found out about this only by noticing a decrease in my credit score and upon further investigation seen this loan had 4 late payments reported. I contacted the company and verified that I personally had never been sent any notices to my address, email or contacted by telephone. All notices was sent to the loan address and all dealings was only completed by the borrower without my consent or awareness. I have asked the late payments be removed by this company and it has not been done.
Consumer complaint received 2023-02-12
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. (MO)

I recently received a copy of my XXXX, Equifax XXXX XXXX consumer report, and i noticed that XXXX XXXX XXXX XXXX are reporting my transactions and experiences specifically a late payment that have posted on my consumer report : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term ''consumer '' does not include - ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely at to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 

A LATE payment is a transactional history, My HISTORY WITH XXXX XXXX XXXX XXXX. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer reports! 

XXXX XXXX XXXX XXXX HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which clearly states IS NOT included on my CONSUMER REPORTS. 

PUT ON NOTICE that the reporting of my transactions or experiences with XXXX XXXX XXXX XXXX to the consumer reporting agencies is a DIRECT VIOLATION of the Credit Reporting Act 15 usc 1681a 2 Ai and this constitutes to inaccurate reporting. 

Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s-2 - Responsibilities of Furnisher of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBTION ( A ) Reporting information with actual knowledge of errors 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.

DUTY : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America has stated to the credit bureaus for several months that my account was properly investigated and updated but how is this possible if this account is reporting inaccurate high balance, inaccurate date of last activity, inaccurate payment history, and reporting both open and closed. This is ground for removal the also violated my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy
Consumer complaint received 2023-10-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Brown and Joseph, Ltd (CO)

This is the complaint description I filled : On XX/XX/2023 XXXX ( Account Manager ) Reached out to XXXX XXXX ( Spouse ) in the attempt to get a hold of me ( XXXX ) of XXXX XXXX XXXX regarding a a business debt for XXXX XXXX XXXX. 
During this reference call XXXX violated multiple FDCPA S.804 Paragraph 1 and 2 S.805 Section B Without any authorization from the primary account holder, XXXX released sensitive information to a 3rd party regarding a business matter. Which includes Brown and Joseph an Attorney Office Calling to collect a debt, Amount for Debt {$35000.00} Tax Periods they are collecting for and File # XXXX Furthermore, I attempted to reach out and speak with her supervisor regarding the matter. XXXX XXXX on XX/XX/2023 XXXX XXXX. 
Where XXXX refused to acknowledge any wrongdoing by his team stating FDCPA does not apply to them and that Brown and Joseph are at will to disclose this information to whoever they need to in order to collect on this debt. XXXX then proceeded to ending the call because he deemed the call " Unproductive '' and refused to allow me to speak to anyone else regarding this complaint. 

Their lack of training from Brown and Joseph has now caused a personal conflict between XXXX and I due to a business matter that did not concern her.And our marriage is now in question due to their harassments and unfair practices.
Consumer complaint received 2023-02-12
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. (NV)

I have requested in two prior times to resolve this issue. I never gave consent to anyone to share my alleged private information or transaction to anyone. They never did an investigation prior to putting these accounts on my consumer report .I requesting proof of valuation in 15 days and showing me proof that I gave consent for any company to share my information with a third party company or reporting agency such as Equifax XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : TRANSUNION CREDIT REPORTING I have noticed 4 unauthorized inquiries on my report. According to the FCRA, these unverified and unauthorized items must be removed as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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 want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these bogus items that were added to my credit report as a result of the alleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

All three credit bureaus continue to display information which is not pertinent including a XXXX  loan for a profit University more than 25 years ago and three collection agencies that are the result of identity theft and proven to be so more than nine times through FTC and cfpb reports. It is impossible to relieve and recall the ID stuff warnings I have on my credit since they don't make it easy to do busy making money defunct invalid XXXX loans. The credit history should be there without going to the negative and it shouldn't even be displayed since it's for a for-profit university been forgiven by the president of the United States and also invalid because of the time. My understanding that this long night have been battling for nearly 10 years don't come off during the most crucial time. Lastly I can not get any of the credit bureaus to pay attention to the questions that are up there as I was part of equifax 's data breach and my name drags through the mud with several police reports FTC reports and XXXX reports for the past 5 years. I lost an automobile because XXXX stuffed the rights to gain it back and just about every year being farthest thing from peace you could imagine. It's the hardest thing I've ever gone through in my life and continue to cost me hundreds of thousands of dollars. The only thing equifqx made up for was the joke of a XXXX dollar check on the mail. XXXX
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (FL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604 A section 2 also states that the consumer reporting agency can not furnish my account without written instruction under 15USC 1666B A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-04
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: EQUIFAX, INC. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

The interest rate on a credit card with Chase is 23.74 %. I have never been late with a payment. 

Today, XX/XX/19, I contacted the bank. The customer service person said they can't negotiate the interest rate. In response when asked who sets the rate, she said the bank does. That implies they won't, not can't. 

I am filing a complaint with the CFPB.
Consumer complaint received 2021-03-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

A representative of " southwest credit XXXX '' in XXXX Texas continues to call and tells me I have outstanding debt. They state my current home address isnt what's in their file. I tell them to send a letter to my current address then. Clearly the name and phone number is verified but they state I, I have to verify more info before they will discuss- it's " company policy ''. They want more personal information but wont discuss what's owed nor who is owed. They refuse to send a letter to my current address until I give them more personal information.
Consumer complaint received 2021-02-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian has been notified that the collection on my report was removed previously and they have the records that show this. Still they are allowing another creditor to place the same collection on my account after it has been removed previously. These violations should not be allowed, nor have i been given any explanation on what law allows this, whether fcra or the fdcpa, spelling could be incorrect. But i need it removed like it was previously. Please dont have me pull up my records and take this matter before the courts. The collection from XXXX XXXXXXXX university was removed, ergo it stays that way. 
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