davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was offered an online job from XXXX. The " HR '' manager contacted me and informed me that a check was going to be issued to me from XXXX XXXX in the amount of {$1700.00} and for me to send the money via XXXX  to " vendors '' for office equipment and that I was to keep {$200.00} for a hire on bonus. Once I deposited the check, Chase bank told me it was good. I dispersed the funds to the people I was told to send the money to and a day later, the bank took the money back stating that the check had been altered. this all occurred on XXXX and XXXX. I have contacted Chase bank and they said there was nothing they could do since I used XXXX.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (KY)

I had opened an account with Chime after hearing about it from my wife, Ive been with chime maybe around 2 months now And now they have suspended my account because they claim there is fraudulent activity on my account. this was 2 weeks ago so I just went ahead and told them I wouldnt be using them anymore for my money due to lack of professionalism from their customer service reps who have little to no knowledge of their product. So I go into my companies website and change my direct deposit information. Little did I know it was approved so my information for direct deposit still had the chime account on there. So I get paid and it direct deposits into my chime account so I thought its not big deal I can fix this with chime. Boy was I wrong, so I contact chime through phone at first got no help there. I was told to contact via email. So I do and this was Friday XX/XX/2021. I contact them through email and they are just giving me the run around. I thought never mind Ill contact my employers and get them to ask for my paycheck back. Unfortunately they couldnt do anything because on their end it shows my check already deposited into chime account. So now its Saturday morning XX/XX/2021 now Its getting worst because theyre taking hours to reply back. They asked for all my information and I give it to them just so they can send my paycheck back to my employers. It is now XX/XX/2021 and they have not even tried to give me access back into my account or my paycheck. I am running on fumes right now because I have no money for gasoline for my vehicle and and food for my apartment because they keep playing games with me. And I forgot to mention they had done to my wife too a week before they did that to mine.
Consumer complaint received 2023-06-22
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Hi my name is XXXX and I applied for a venture credit card through capital one, and I was declined for missing credit information. I had a security freeze on my credit file, I notified Capital One that I had a freeze on my credit files, I was told by capital one supervisor that I would need to remove freeze in order to be considered for venture credit card, that I know that I qualified for. XXXX XXXX, I contacted the major credit bureaus and had my credit file lifted/ freeze for 10 days, I was told by capital one supervisor to lift freeze for 10 days, after I lifted the freeze capital one still denied my application. I have researched capital one criteria for the venture card, and I know I qualify. Capital one only want to offer me credit cards with high interest rates with low credit limits, so they can continue to make money from me, this is very unfair as I have worked very hard to keep my credit excellence, but capital one failed to give me a fair chance, as I call this fraudulent on their part.
Consumer complaint received 2024-02-16
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. (FL)

XXXX XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the Fair Credit Reporting Act, this company 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 an account without my written instructions. If the company can not provide the original signed and dated contract stating that I give permission for any alleged debt to be sold to their debt collection agency also including agreement to repay a third party I request that the account be removed from all of my credit reports including Experian, XXXX, and XXXX.
Consumer complaint received 2024-02-16
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. (TX)

On XX/XX/2023 and XXXX XXXX I wrote letters to the bureaus requesting to update my accounts with late payments to be updated as PAID NEVER LATE. According to FRCA law 15 USC 1681 Sec 604a Sec 2 a consumer reporting agency can not furnish an account without my written instructions. I believe other FRCA laws were broken such as 15 USC 1681 Sec 602 which states I have the right to privacy and 15 USC 1666B that states 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 2022-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Technology Federal Credit Union (NC)

Three times First Tech Federal Credit Union have applied my car payment to another account. One time theyve even reported me to the credit bureau. I received a late payment letter. When I called them to tell them that I made the payment a week earlier than the due date, it took them 2 weeks to apply my payment to the correct account. They had to send a letter of correction to the credit bureau. They charged me extra fees saying that I needed to put back {$3.00} in a share account. I asked them why should I send and extra {$3.00}. When my payment is {$390.00} and many times Ive written the check for {$370.00}. Ive never seen this extra amount applied to my car loan. I sent the extra {$3.00} but when I went to a location to pay my XX/XX/2022 payment, I was told that I still owed the extra money. Every monthly I have to call to make sure theyve applied my payment to my auto loan. Im really tired of having to argue with them over the phone about their mistakes. I cant help but to think that theres something wrong going on. They never gave me a reasonable answer about the {$3.00}.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Dear CFPB, I always come to you for my issues and you've never failed to disappoint me. Actually issue is that I sent money via XXXX to a business for some goods that I placed order for. However later on that business stopped responding to my texts and then blocked me. I tried to do the dispute with the bank ( Truist ) but there was no assistance provided since it was a XXXX transaction. I want your help in launching this dispute with the bank. I am happy to provide any evidence they will be needing. 

Thanks and looking forward to your assistance here. 

Regards, XXXX
Consumer complaint received 2022-08-30
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: CITIBANK, N.A. (CA)

I ordered a bag from online merchant. I never received the bag I ordered, I tried to disputed the charge but my credit card company denied to dispute in my favor. 

Information : Name : XXXX XXXX SS # XXXX Company : Shell Fuel Reward Mastercard XXXX XXXX XXXX {$80.00} Transaction Date : XX/XX/2022 Account endind XXXX
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent several letters to TransUnion asking them to verify the accuracy of several items on my report since they are reporting differently across all three bureaus, they do not have my consent to report them AND they are inaccurate! The first time I asked them to verify the accounts, I received a copy of my report saying they were verified, then a letter stating it didn't look like I was the one disputing the inaccuracies. See attached letter. I've received this twice now. 

The second time, I asked for the proof that shows they verified the information, sent me a copy of my report and then they sent me a letter stating it looks like it wasn't me AGAIN asking for the verification, but some other company. I sent them proof of my address and a copy of my driver 's license EVERY TIME I HAVE SENT A LETTER. I resent the disputes and they sent me the same letter again!!! 

I want these accounts removed from my TransUnion report immediately! They are breaking the law! 

Per US code 1681 e ( b ) Accuracy of Report - Whenever a consumer reporting agency prepares a consumer credit report it shall follow all reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Therefore it should be 100 % accurate across all three bureaus. How can these accounts possibly been verified? 

AND US code 1681b ( a2 ) states that consumer reporting agencies are not allowed to put anything on my credit report without my written consent!! They have not proven this either!!!
Consumer complaint received 2022-04-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX IN # 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
Consumer complaint received 2022-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WI)

EdFinancial is telling borrowers that refund requests will take up to 300 business days, not including weekends or holidays. One representative stated that 2,000 requests have been sitting since XXXX. There are screenshots with proof of this on XXXX. Other servicers are completing requests in anywhere from 1-6 weeks. When asked, they have no valid excuse to provide for this situation. This is completely unacceptable and shady on their part. Many of us feel they are trying to mislead or dupe us, just as they had regarding XXXX. 

I called and received this information from customer service on XX/XX/2022, as have many others.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NY)

I have an account in collection and contacted the LVNV funding to advise that the account was fraudulent opened and that XXXX XXXX the original owner of the account closed the account as fraud. 

they purchased the account and have asked me to for documentation for which I do not have. so I asked that they contact XXXX XXXX and have the account disputed. they transferred me to XXXX XXXX. 

who I have consistently called every 2 to 3 days since XX/XX/XXXX, advising them I needed to have this account removed and if after my dispute I would work to settle the account. 
every time I called they stated still in dispute. 

on XX/XX/XXXX when I called 3 days after my XX/XX/XXXX call they advised a judgement was issued on XX/XX/17 and that I could not settle and the dispute was still in process. 

they were not transparent with what was happening with my account and did not offer me to settle but sent for judgement during the dispute and I believe this account should be removed. 

I have tried for quite some time over a year to get this account settled and neither XXXX or LVNV funding would work with me? 

can someone from your office contact me with regards to what I can do.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NC)

I reported to the issuer of my XXXX XXXX that there has been a fraudulent or unauthorized charge to my card on several occasions. 
Each time was with instructions to complete a form. I submitted the forms with no reply. 
The only item was yet another charge on my card each month. 
On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX my card was charged {$16.00}. I attempted to contact the company regarding the charge with no response. The company deletes messages after 120 days, so I do not have record of each of the messages as they have deleted them from the website. I received a form to complete and return, which I did sometime in XXXX or XXXX XXXX. I received no response. 
However, my final frustrated request was on XXXX XXXX, XXXX demanding that the fraudulent charges be refunded and that my account be closed. They replied that they will report my non payment to the national credit reporting agency even though I have reported this as fraudulent. When I logged in to their website this evening, I see now they have charged me late payment fee of {$16.00}. Sort of ironic as each of the fraudulent charges were for {$16.00}. I am furious at the inaction of Comenity Bank regarding my account. 

I have no documents to upload other than the statements as I have not received anything from the XXXX XXXX CT.
Consumer complaint received 2024-02-16
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. (PA)

In accordance with the fair credit act this creditors have violated my rights. Under 15usc1681 section 602 states I have the right to privacy 15usc 1681 section604 section 2 states a consumer reporting agencies can not furnish an account with out my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account Under a open in consumer credit plan as late for any purpose.
Consumer complaint received 2019-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (VT)

My husband and I tried to get preapproved for a mortgage loan, but were denied because of information on our XXXX credit reports. We requested our XXXX  reports. When I got mine, I noticed a lot of errors. 53 hard inquiries that I did not authorize. I also noticed some accounts that were not mine that I had not authorized. I have been the victim of identity theft several times, due to my personal information being compromised in 16 data breaches, in the past. So, I suspect that the same thing is happening, again. 
On XX/XX/2019, I tried to dispute the errors and hard inquiries that I did not authorize online on the XXXX  web site. The web site would not allow me to dispute anything and instead listed a number for me to call. I called the XXXX   phone number provided and explained to the customer service rep that I am the victim of identity theft and that I needed to dispute the hard inquiries and accounts that I did not authorize. The rep refused to help me saying I had to contact the companies directly. I already have. The companies told me to call XXXX and dispute with them. I tried again to dispute the inquiries with XXXX on XX/XX/2019 and, again, the XXXX rep would not allow me to dispute them.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

This month I was late making payments to two creditors. Lowe 's is charging me {$40.00} because I miss the cutoff time for processing. My balance was paid in full and was credited the day after due date. Now I find out that PayPal has charged me a {$40.00} late fee and I was legitimately late. But here 's the problem. They have no real person you can talk to explain why you are late. I'm the sole caregiver for my mother who was recently hospitalized and required round the clock care upon being released. Clearly my first priority was her welfare and not my own affairs. Now I am out {$80.00} dollars that I can little afford. So tired of getting XXXX by credit card companies. I am rarely late on my payments but they don't care if you're struggling or overwhelmed with things beyond control. So yes I want to complain loudly even if it does no good.
Consumer complaint received 2022-08-30
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: BROKER SOLUTIONS, INC. (OK)

" IDENTITY THEFT '' We received a voicemail from a " XXXX XXXX '' with New American Funding on XX/XX/2022 at XXXX XXXX. which concerned us because he identified as our licensed loan officer saying '' Hey, XXXX how are you this is XXXX I am your license loan officer here at New American Funding I am trying to reach XXXX in regards to an application that we got in so reach out to me and give me a call ''. He said twice that " have an application for you '' on the voicemail received. These two things are misrepresentations that not only confused us, but nearly had us giving our private information to a person that we THOUGHT was already our loan company. This individual identified as our loan officer by stating " YOUR LOAN LICENSE OFFICER '' on the call and repeatedly mentioned that he had our application. None of the factors laid out by law were adhered to, and hence was misrepresented at the highest level of sales scams.
Consumer complaint received 2022-10-26
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc. (KY)

I downloaded the kikoff app and signed up for their service to be rejected which is fine but now I am " signed up '' with the service and have no way of contacting the staff to cancel. Neither the website nor the app have a link for help or contact, only FAQs which attempt to divert the customer 's attention. I believe this is intentional.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Paypal Holdings, Inc (FL)

I have a credit card with Venmo. Venmo sent me two emails this morning saying that my primary phone number had been changed. I did not initiate that change so I called Venmo to understand what was happening. While I was on hold, my ex girlfriend contacted me to tell me that Venmo had contacted her to collect my debt. When I spoke to the representative at venmo, they told me that they believed she was my wife and could not explain to me how they had gotten her phone number. They also could not explain to me why I received emails saying that my number has been changed when I had not initiated any change. I believe these emails are fraudulent in nature and designed to get people to call In where they repeatedly pressure you into making a payment.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (VA)

My account was hacked and they used my ENTIRE paycheck. Over {$800.00} in XXXX day. The charges are all from businesses in XXXX, XXXX or XXXX. I am in XXXX. I can prove I never left. Also, looking at my previous charge pattern, I dont eat out. I dont know how XXXX person could make XXXX different restaurant purchases and XXXX different movie theatre purchases in a few hours. 

This happened on a Friday. Everyone gets paid on Friday. These charges happening after I got paid is not indicative of any special awareness of my account balance. Friday is payday for everyone. 

I was not aware of the charges until I got an insufficient funds message. The thiefs obviously just kept charging until something got declined. I immediately froze my card and XXXX more charges tried to come through after that. 

You are FDIC insured for this sort of occurrence. Why is my claim being denied when its so obviously fraud??? The transaction pattern is definitely indicative of fraud. XXXX restaurants and XXXX movie theatres in 1 day?! 

I just opened this XXXX account and this is my second direct deposit and someone drains my account?? Ive had my XXXX account for years and never had any issues. So this is a security issue on your end and I need my money back.