davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Opportunity Financial, LLC (FL)

Delete Late payments from Opp Loans from, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2016-10-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (TX)

WE opened up Business account at XXXX XXXX XXXX in XX/XX/XXXX. They referred us the First Data for merchant processing. First data closed our account in XX/XX/XXXX ( same month as opened ) and there was {$3500.00} in our account with First data. They said we have to wait 90 days for our money. And they have n't sent our money and wo n't respond to our emails or phone calls. No Im on the match list also. I did n't do anything wrong
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XXXX, 2016, I deposited an old payroll check via ATM teller ... I found the XXXX XXXX XXXX payroll check within my storage unit. Since there was no expiration date on it, I decided to collect my unpaid funds. After Bank of America cashed it and they later performed a charge-back on my account : XXXX XXXX XXXX XXXX XXXX ) due to the issue date. I was also charged a fee of {$12.00} due to the date of the check by Bank of America. 

I am requesting the amount of the XXXX XXXX XXXX XXXX check in the amount of {$170.00} refunded back into my Bank of America account as well as, the {$12.00} fee taken out of my bank account balance. 

*I can be reached via the following information below regarding my bank account complaint : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

As a man of God, I must be careful with my words. I have to be cautious since Synchrony Financial is treating me like a common criminal. Instead, I am not getting treated as a lawful consumer. Synchrony Financial keeps finding reasons to file ligations against me for fraudulent charges. I dont deal with these folks. They keep confusing me with other residents and continuously make me prove who I am. I know who I am. They do not know who they are. My credit file got breached years ago through XXXX. After many attempts, they surmised that I am a thief. Get this. Heck, this learning curve should not be this difficult. 1-Someone breach my credit file. 
Please be prepared to receive unethical excuses from them to justify their actions. 2-Synchrony Financial made the errors after that. It can not be justified when they are the problems, and they are making consumers suffer. 3-They are persecuting me as an innocent consumer. 4-It has been going on far too long! Please do not give them a break when the bank is punishing consumers unnecessarily. Making apologies to me will not be accepted. They have worried me, and this is an unforced error. The stress has done far too much. This frustration is beyond the pale. Disgraced has set in, and I have lost many nights of sleep. I had XXXX XXXX XXXX  since XX/XX/2020. They are suing me in XXXX, Georgia. It is the third or fourth time. Even if I were the right person, they would have to talk to my brother. I only receive {$720.00} per month through social security from a XXXX XXXX. I am not XXXX XXXX  to handle my financial affairs. I have reached out to the XXXX and XXXX. XXXX  XXXX to assist with these XXXX attacks and strong-arm robbery. Everyone at Synchrony Financial should be in jail, serving an elongated prison sentence. Please shut them down
Consumer complaint received 2015-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (PA)

This regards account number XXXX on my credit report. When applying for a mortgage recently I was made aware of a collection attempt made by Diversified Consultants for a XXXX account. I was never sent any communications by Diversified in attempt to collect this invalid debt. 

I had previously opened a trial account with XXXX and a billing error resulted in it being sent to collections by XXXX and was later resolved. Now Diversified has put a collections amount on my credit report for this same invalid debt.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

Dear Consumer Financial Protection Bureau : I know you are very busy so I`ll get right to the point I have a credit card with USAA and i recently opened this account this is about my XXXX payment I 've made and with the normal credit card companies they post your payment within XXXX hourswell I made my payment about XXXX days ago and it is not been posted to my account I called them and asked them why and they said they can and do hold payments for XXXX days, I have a problem with that because interest is still accumulating due to non posting of payments and when i ask about this policy no one could give me a concrete answer why? this is Egregious and I believe against accounting policy I have never had a financial institution do such a thing.I am requesting that you look into this matter and please tell me this is in the fair lending act, this just does n't seem right.thank you for your time on this matter I await your response. last XXXX numbers of my XXXX card is XXXXThanksXXXX XXXX XXXX
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE (FL)

In The Past Years This Is The Third Time Debt Collectors Have Tried To Collect On A Debt Not Owed. Also Attempts To Putting It On My Credit Report. It Has Since Been Removed From My Credit Report. But Now They Are Back To The Same Tricks Again. 
I Have Evidence That My Bill Is That Of " XXXX ''. I Just Spoke To The Hospital  This Week, And Have Also Obtained A Faxed Letter From The Hospital And The Attending Physician That My Information Is Accurate. 
This Is Continued Harrasment, To Fight To Keep The Debt Collectors From Trying To Ruin My Credit Report.
Consumer complaint received 2017-01-31
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MD)

On Thursday XXXX/XXXX/17, I deposited {$8600.00} into a Wells Fargo account for a job, not knowing that it was all a part of a job scam involving fraudulent transactions and counterfeit checks. On Saturday XXXX/XXXX/17, I visited the same bank where I made a deposit, informed a banker of my situation, opened a new checkings account and had my banker file a claim in order to retrieve the funds. After all this, the account where the funds were sent was blocked and Wells Fargo would begin conducting an investigation which would lead to the {$8600.00} being transferred into the new checkings account so that the overbalance in another account would be resolved. On Monday, I wished to learn about the status of the investigation and after being transferred from department to department for about two hours, the representative I talked to was n't able to find my open claim and I had to start a new claim, even though representatives from previous calls that same day could see my open claim. I would like for Wells Fargo to keep me informed about the status of my claim so that I can have these issues resolved in a timely manner and not be forced to wait longer than I should because of their mistakes.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

USAA Credit card services has caused great concern to me, which is the reason for my choice to close a credit card account with them. USAA called my home 3 to 4 times a day starting on XXXX XXXX 2015 In a robot form because my payment was past due the first time it has since the account was created 2 years ago. efforts to resolve this matter with the XXXX to get my name put on a do not call list was n't successful. I called back XXXX XXXX from USAA after he left a message to talk to me about the complaint to the XXXX and he has refused to this point to call me back.
Consumer complaint received 2022-02-12
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: Meade & Associates, Inc. (MI)

I provided proof that this company was falsely representing itself as a creditor, ( Original Creditor : ) with account XXXX which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2015-10-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I applied for a job online through XXXX the temp agency and there was a job on there called XXXX which is a job you do working from home and they sent me checks stating that I had to deposit it mobile into my USAA account to buy products and that I had to send them {$1000.00} on XXXX XXXX 2015 and {$1000.00} on XXXX XXXX 2015 once the money came available in my account. I went to XXXX XXXX to send them the money back. When I tried to use my USAA card for personal items for myself out of the money I had in my account before that money from that job got in there it said not available when I swiped my card in the store and I tried to access my USAA account it said account restricted and I called and they told me that my account was froze and they are going to be ending my service with USAA because of the checks I deposited I tried to explain to USAA that I got a job offer online and I did not know it was a scam and I did not know something was wrong with the checks they gave me but they were not hearing me out, they told me they would send me a letter in the mail with their determination an every time I would call back to explain myself myself about it all the representatives would tell me they could not see my account and that there was a note on my account. I 'm young and took a job offer because I was seeking another job I did n't know that the job was n't legit and I feel USAA should have known something had happened because I never had any issues with my account with them. They also said it was different checks I only have XXXX checks and the job XXXX could have hacked my account because they were supposed to be a company from XXXX and opened a new building in XXXX Florida. I have never been in a situation like this and can not afford to pay back all that money to USAA. I 'm having a hard time with this right now because I have never experienced something like this and the job really seemed real. USAA also stated that I called multiple times but I only called three times and that 's when I was trying to explain to them my situation so someone was using my information is what I 'm assuming. When I called I was crying and ect. Because no one would help. An when I talked to a man he transferred me to a lady saying she was the one handling my information I was like I never even talked to a lady about handling anything so it seemed like another person was calling also. The person who was hacking my account realized that they could no longer access my account. I just do n't know what to do. USAA just was giving me the run around and they should have realized something different was going on with my account and something was wrong. I 'm young and they just took advantage of me and it 's hurting me that people would do things like this. USAA should know from the time I got my account nothing like this ever happened and my account never had this much funds the most I 'll have is $ XXXX {$200.00}
Consumer complaint received 2017-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (CA)

I have a open debt with XXXX with the account number of # XXXX that was open XX/XX/2016. Its a debt of XXXX $ that was open until XX/XX/2016. I am a victim of identity theft. somebody as been using my social security number in opening numerous accounts.
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I used a 3rd party vendor to purchase an airline ticket XXXX XXXX XXXX XXXX on XXXX XXXX. As soon as the confirmation came back I noticed they changed the travel date. They said the search criteria automatically switches to booking to get the cheaper price. This is certainly a bait and switch. I immediately called back and explained what happened They processed my refund. The email confirming listed {$120.00}, the credit card charge was {$94.00} and the refund confirmation was {$120.00} and I have confirmation of the refund via email but it never hit my card. They even agreed to credit me more than what I paid. I was required to stay on the phone with the representative until I received the email. I received the email and had to give the sales person the code in order to cancel the reservation. Which I did. I had verbal confirmation that it was canceled and an email. Next, I decided to call XXXX XXXX to re-book instead of using the third party. When I re-booked the flight directly with the airline ( 5 minutes later ), they confirmed that no reservation was in their system and that they had not received payment from the third party so I went ahead and booked the ticket. I received my credit card statement with both charges. I disputed the charge with my credit card company. i have called 13 times and sent in emails with my documentation. As of this date I have only received a letter saying the card was used " in person '' which is impossible. They implied that it was a swipe and it was not. The last representative told me the letter was automatically generated and was a mistake. I have called so many times and I just want my lousy credit. They are terrible and I have been a member for 30 years. They need to be reprimanded for not following their contract.
Consumer complaint received 2017-04-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIXIE FINANCE COMPANY (KY)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Dixie Finance Company has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I filed a police report for identity theft and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (PA)

I have a chime credit builder card with my own money on the card. I used the card at an ATM on XX/XX/2024 at XXXX XXXX. I tried to withdraw {$120.00}. The transaction was approved but the money did not come out of the ATM machine. The checked my chime credit builder card and saw a charge of {$120.00} was still pending and taken from my balance for that transaction and another charge of {$2.00} was pending for using an out of net-work ATM with chime. I immediately spoke to the location that housed the ATM machine. They printed out a slip for the transaction and showed that {$0.00} was dispensed during that exact transaction. The casino teller stated that the charge should not be posted on to my account and my funds should be added back to my balance. However, the transaction posted to my account and my funds were never returned to my chime credit builder card. I disputed the charge with chime on XX/XX/2024, later in the evening. They reported that the process would take a few weeks. I checked my dispute to see that it was denied on XX/XX/2024. I contacted chime today, XX/XX/2024 and asked how they disputed my claim and I never received any money. Chime reported that they cant assist me because the investigator made a decision. I am trying to see how they can just take my funds and not give no explanation or refund for money that was mine.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

I have XXXX issues with American Express. In XXXX of XXXX I checked my credit report and found an inquiry from American Express for a credit card on XX/XX/XXXX. I contacted American Express on XX/XX/XXXX and told them that I did not open this credit card. Someone else had used my information to open this card. They assured me the card was closed and not mailed to the mailing address for the card. I than got a letter from American Express on XX/XX/XXXX with a Membership Number XXXX and Amex Reference Number XXXX about the fraud. I than mailed a letter to American Express asking for further information on XX/XX/XXXX. I am still waiting for this information. 
On XX/XX/XXXX I received an email from American Express stating that they have finished reviewing my application for a Hilton Honors American Express XXXX XXXX. I than contacted American Express that day and told them that I did not open this card. They did tell me that my date of birth, my name and my email address was used for this application. However, a different Social Security Number, mailing address was used for this application as well. They did assure me again that the application would be canceled and no card will be mailed to the address on file. I asked for further information and they said that I need to mail them a request for this information. I am in the process of sending another package to them to find out more information from them on who this person is. This is just crazy. I've attached supporting documents. I have put fraud alerts and froze all three credit reporting accounts. Please help!
Consumer complaint received 2022-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

This company claims to have purchased a debt in my name for XXXX wireless something of which I have no knowledge of. I have however been a " prepaid '' customer of theirs for the past XXXX  years until XXXX when we changed wireless XXXX, all my devices were purchased at XXXX and XXXX XXXX This has been an ongoing thing with Jefferson capital for years now, they have ruined my credit, and have harassed myself and my family at least XXXX times that I know of. I have filed disputes with all major credit services but to no avail! 
When I asked for proof of debt they said they sent it to me, I have not received any information on the said debt until today XXXX XX/XX/XXXX. They keep calling me ( XXXX times yesterday and XXXX times today alone and it's not even noon yet ) threatening to have me arrested for fraud, having my bank account frozen, and telling me at least once that they will make it so I can't get any credit for anything. I am a XXXX Veteran with XXXX, my credit has been compromised XXXX times last year XXXX and XXXX the previous year XXXX. I now have a fraud alert on my credit report. Please Help me in this matter.
Consumer complaint received 2022-02-12
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. (MO)

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2015-09-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My auto loan is with Capital One Auto Finance and I have fallen behind on my payments. In XXXX, 2015, they sent me a loan modification form, but I did not meet income requirements to get approved. My situation has changed and I now meet the income requirements, but they are saying I am not eligible for the modification. They can not, or will not tell my why I am not eligible so that I could have the opportunity to fix the problem and make myself eligible again. Because I have bad credit, I am paying 11.95 % interest and a payment of {$710.00} for a XXXX Pathfinder, and on a fixed income, this is just not doable. Why was I eligible for a loan modification in XXXX, but not in XXXX?