davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CA)

My friend sent money via Chime pay friends feature. {$1900.00} intended for me. He was asked to enter in reciepient email. He correctly entered mine in. My name shows up, it's the only one that shows up. He clicked it sent the money. Notified me. It is supposed to be instantaneous and didn't come. After an hour we both contacted chime individually and came to the conclusion we need to contact them together. On a three-way phone call we contacted chime and told them what had happened. They were trying to tell him that he made mistake picking a different person but he put my email address in and only my name first and last showed up as the option to send to. There's no other person on that app that has my email address associated with their account. This was verified by chime. There is an error somewhere in there programming that sent it to a different person with my name. We made a request to that person to send back the money. But that's unlikely and that's the help that chime offered to us at this point. They said they would escalate the issue but since they're not a bank, stay there financial transferring app yet have Bank savings and spending accounts and can do credit reporting. But remove themselves from all liability with any issue that happens within the app. They don't have any way to transfer the money back or request it back or force it back to the sender so I can rightfully get my money. It seems this is a common problem with chime where they are taking money or they don't ever fix errors especially ones on their part. Such as in this case. I feel really frustrated I need the money and I feel lost in the situation. The money went to a username $ XXXX. Beginning to a XXXX XXXX I am a different username, but those usernames don't show up as the option to choose from when picking the recipient. It was my email address that automatically popped up my full name. My name showed up I'm XXXX XXXX XXXX has no other XXXX XXXX in his contacts on the phone or friend groups on chime. It's on time to fix this error but they won't. XXXX from his phone of the account that he sent it to as it stated my full name and the amount.
Consumer complaint received 2021-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

I received a letter from Loan Depot on XX/XX/XXXX stating this was second and final notice to provide them with hazard insurance for my home or they will buy it for me. I had already uploading it into their website XXXX XXXX XXXXXXXX in XX/XX/XXXX as well as my insurance broker faxing it to them in XX/XX/XXXX. 
I called Loan Depot on XX/XX/XXXX and they informed me they had a copy of what I provided but it was not for hazard/homeowners insurance. Loan Depot has it as " other client preferred '' insurance. I insisted it was homeowners but I kept getting the run around from the customer service rep. I honestly felt my intelligence was being insulted by the nonsense I was hearing. There was no resolve at the end of the conversation. Basically it fell back on me and my insurance broker. I don't know what else to do or how to resolve it. The form Loan Depot has clearly states it's for homeowners and lists all the things covered.
Consumer complaint received 2022-03-09
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: SYNCHRONY FINANCIAL (CA)

I booked a hotel room with air miles on a different credit card. The only reason I needed a card when I checked in was for incidentals. The only incidental charge on my account was for a meal in the dinning room. I was charged an additional {$650.00} by the hotel for no reason and my credit card company is refusing to investigate the issue. I have asked them 8 times to discuss the matter with me and they have refused to have an agent call me. I have had to reopen the case 4 times and still nobody will call me or look at my evidence which says PAID IN FULL from the reward miles booking. I had never authorized them to charge my card an extra {$650.00} after paying for the room in full. My reservation clearly says DOUBLE XXXX XXXX and I was given a double garden view and charged an extra {$650.00} without authorization.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020 )
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XXXX To whom this may concern. 
I am writing because this credit card company forced me to. They have been doing illegal practices. In XXXX I was told that my account was past due {$9.00} which I corrected it right away after speaking with one of their representatives, which I was told at that point when I paid the {$9.00}, they would adjust the late fee which was not a day old. and return my account back to normal status which never happen. I was asking to go autopay, but I refuse to do so after XXXX XXXX payment went in with no problem. Now we are on XXXX XXXX payment and I find myself over the limit again. I was forced to pay {$11.00} and go on auto pay to keep this from happen to me again. 
This company lies on a continuous basis to get what they want. They lied to me telling me that they would return my account back to normal status and give me back my credit line of {$3100.00} dollars, which never happened, nor did they inform the credit bureau of what happened. They ruin my reputation causing my credit score to drop to an all-time low. I am going to seek legal advice because they're ask me to go paperless which give them the power to handle my credit card. What I mean is they can do whatever they want since you can't see the bill. I paid them in accordance to what my statement is usually billed, they increased it in order to charge me a late fee. Just think about how many people they are doing this to. {$29.00} time one hundred customer would be {$2900.00}. Now do it time 1000 customer. Just keep going. Ask yourself why pay anything on a bill if you know they are going to charge you a late fee, which they do not put to the same month but to the back of the bill which you will never see. 
What I would like is for them to send a letter to the collection agencies, just like they did when they changed the amount of my monthly bill driving me over the limit. I want them to return my credit back to where it was before all of this happen, and for them send me an apology letter. I pay my bill every month. If I didn't want to pay this bill, I would not make any form of payment, nor would I have paid less than what is do. 

Thank you for all your help in advance.
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (GA)

Hello my name is XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX and i am writing this complaint because the ( 3 ) major credit bureaus XXXX, XXXX and Equifax are reporting inaccurate inquiries on my credit report that are hurting my image and profile. This is stressful because i am strengthening my profile and these errors are holding my back. I have contacted all three credit reporting agencies and they refuse to help me. I need ALL of these removed because i did not apply or authorize these inquiries. PLEASE help me here as i have exhausted all my remedies.
Consumer complaint received 2021-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/XXXX I bought a car at XXXX XXXX Dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With VIN : XXXX, finance by Ally Financial for the amount {$30000.00} for a period of XXXX  months payment {$52000.00} per month. Unfortunately, The car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on Highway at XXXX XXXX, I received a noice Bing bing bing. theres something rubbing inside the steering wheel that spreads all the way the wheel whe I am running on Highway. To resolve the problem, I returned at XXXX XXXX XXXX on Sunday XX/XX/XXXX. I would like for you to replace the car with a new one thats not defective.I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX Ones given to me an appointment in a month. I called the dealer on phone to tell them the appointment is for XXXX month. I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX, XXXX car was returned to the XXXX on XX/XX/XXXX, the dealer refused to return the plate to XXXX. I canceled the insurance ( XXXX ) and I called Ally Financial to make aware the car has been returned. In a letter dated XX/XX/XXXX, Ally Financial has the vehicle. The car has been sold on XX/XX/XXXX by Ally Financial. In my credit report Ally Financial reported balance {$310000.00}. I am writing to complaint for XXXX car dealer and Ally Financial for the wrongs they caused me. 
I sent you all documents that the request will be processed. 
Your immediately attention to this matter is appreciated. 
Sincerely XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I am a Citi credit card holder ( XXXX cards ) and have had numerous issues with the mobile app providing me with inaccurate information. In a nutshell, I make numerous payments an the app, which provides a Before Payment amount and After Payment amount. The following day, the actual amount is always different ( higher ) from the After Payment amount noted in the app. I have screen shots to support this. Citi insists that the app is working as designed and that pending payments may impact the actual balance. It is important to note that at NO TIME does the app display a message that the actual balance could be different. I started my complaint in XX/XX/XXXX via email to XXXX XXXX, XXXX XXXX. XXXX XXXX from the XXXX XXXX XXXX left me a voicemail on XX/XX/XXXX stating that he and a colleague did find the problem and that " indeed something odd going on within the actual algorithm or the coding behind that. '' I reached out many more times and no one would acknowledge the message about a coding error in the app. I requested a corrective payment again and rec 'd a response on XX/XX/XXXX that the app is working as designed and no corrective payment can be issued. Their response includes " we certainly regret any confusion regarding the voice message left by our representative on XX/XX/XXXX. We have forwarded the details of your request to our appropriate departments for potential future enhancement of this process which may include pending transactions in the future balance figure displayed as part of the payment flow. '' It is unconscionable that a a multinational investment bank and financial services corporation would feel that providing the consumer with an accurate balance after payment on the App is a " future enhancement. '' What?? I am a single mother of XXXX teenage daughters and I am trying to make ends meet. I made a large number of payments while prioritizing debt reduction only to find out that the data given by the bank through their own mobile app was inaccurate. Additionally, once the CEO 's colleague, XXXX XXXX, told me that they identified a problem with the algorithm/coding on the application, I felt relieved that they would finally make me whole. They have swept aside the comment about the coding error and the inaccurate information on the App displayed after payment. There could be thousands of other consumers who have been impacted by these XXXX issues.
Consumer complaint received 2023-03-22
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FORD MOTOR CREDIT CO. (GA)

Ford motor credit had a valid claim to a debt that I owed. However, they decided to initiate action during a federally declared state of emergency and disaster. Businesses were closed, communication and travel were extremely restricted. And, I, being self-employed, had no relief or any type of compensation. Whereas the rest of XXXX seem to be getting triple unemployment benefits, I had to suffer. 
I communicated with Ford credit about the debt and my intentions to pay and stay in good standings. I contacted them in XXXX at least once and XXXX on two occasions also called them in XXXX I believe it was on the XXXX to explain that I would have payment by XX/XX/XXXX. They explained that they were happy that I was able to make that payment and just to give them a call when I made it so that they could be on the lookout. They then arrived at my home and in the wee hours of the morning. Embarrassed me in front of my neighbors and calls me great stress in the fact that I had to stand in the cold and clean out the truck on the spot. 
I would have had it cleaned out had they told me that they were coming to get it. At this point they knew that trucks were bringing a premium price and that they could get as much as they wanted to for it and I believe this is the reason that they repossessed. However this is not truly the issue, though it does pertain to the issue as a whole.

Ford motor credit declared my account as a charge off and therefore FMC was able to negotiate this item on the p & l tax documents. They were compensated. The dead then became what could be declared as income to me however Ford decided to send it to a lawyer 's office and he has steadily increased the debt months by month over 3 years of holding the debt. From everything I've read and everything I understand this is not fair nor is this legal. 
If I'm wrong, please show me how I am wrong. 
I have screenshots of the emails The lawyer has sent to me and even offered to settle the account for {$1000.00} as he refused. 
I believe that this taking place during a federally declared state of emergency and disaster and the fact that Ford sold the truck for a premium at auction should negate any debt that I owe or have owed.

Please help resolve this situation and help me remove this from my consumer report as I believe this is not covered as a debt or a collection under the 15 USC FCRA.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (SC)

Hunter Warfield is attempting to collect an alleged debt in which they have not provided proof validating the alleged debt pursuant to 15 USC 1692g. I am a consumer. 
I am awaiting all correspondence requested to validate the alleged debt and an audit trial. I have also requested Hunter Warfield to remove this unverifiable account from any and all credit bureau reports in which they are reporting to and that the debt collectors send me notification of their intent to do so as proof they have ended their investigation. I haven't received a response as I've sent XXXX letters XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX 2022
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I called Chase yesterday to resolve my account ending in XXXX. My Social Security number is XXXX. 

I was trying to negotiate a payment plan of {$50.00} per month since I am currently unemployed. However, they informed me that I need to pay a minimum of {$1000.00} to avoid a {$40.00} late fee each month. If not I dont pay the XXXX I will get hit a late fee every month untill paid. Balance will continue to grow. 

I find Chase to be a greedy company, and they seem unwilling to work with me. I am requesting help to set up a payment plan of {$50.00} per month until I can pay off the balance. When I called yesterday, I was transferred multiple times, which was frustrating and a waste of my time. 

Please help me resolve this issue. STOP THE LATE FEES!!
Consumer complaint received 2022-08-06
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: WELLS FARGO & COMPANY (FL)

I went to the dealership to get a loan for a car and they told me that I have numerous hard inquiries on my report so I wasn't going to be able to get approved for a car.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXXXXX-Date of Inquiry XX/XX/2020 XXXXDate of Inquiry XX/XX/2020
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance {$0.00} XXXX-Balance {$0.00} XXXXXXXX****-Balance {$0.00} XXXX XXXX XXXX***-Balance {$520.00} XXXX****-Balance {$780.00}
Consumer complaint received 2021-11-28
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: DISCOVER BANK (AZ)

On XXXX XX/XX/2021, Discover Financial Services was provided a one-time verbal authorization to run a hard credit check in order to obtain a small personal loan. During this process ( on the same call ), the Discover Personal Loan representative stated that their computer system was down and they were unable to complete my application. On XXXX XX/XX/2021, a hard inquiry from " DISCOVER FINANICAL '' appeared on my XXXX XXXX XXXX XXXX XXXX. 

On XXXX XX/XX/2021, I called Discover Financial Services to resume my application. I informed the new representative that a credit check had already been completed, and they acknowledged this in the affirmative that a second hard credit pull would not be completed. During this call, the small personal loan application was completed and submitted. At no time did I provide my consent to a second hard credit pull. On XXXX XX/XX/2021 ( while on the phone with Discover Financial Services completing the application ), I was alerted to a hard inquiry from " DISCOVER FINANICAL '' by my Credit Monitoring company. After checking, a second hard inquiry from " DISCOVER FINANICAL '' appeared on my XXXX XXXX XXXX Credit Reports ; in addition to the hard inquiry from XXXX XX/XX/2021. 

I contacted Discover Financial Services multiple times via phone to have this resolved, and they maintain that they do not see the second hard inquiry and have refused to issue a correction to XXXX or XXXX. 

On XXXX XX/XX/2021, a, XXXX page written notice to correct was sent to Discover Financial Services at XXXX XXXX XXXX, XXXX, DE XXXX via certified mail. This notice is attached, and included complete credit files from XXXX, XXXX XXXX XXXX with the duplicate hard enquires tabbed and heighted for their review. 

On XXXX XX/XX/2021, Discover Financial Services responded to this notice with a letter stating that they do not see the duplicate inquiry and stated it may be from a promotional offer. This letter is attached. 

As of XXXX XX/XX/2021, There remains XXXX hard inquires from " DISCOVER FINANICAL '' from XXXX XX/XX/2021 & XXXX XX/XX/2021 on my XXXX XXXX XXXX credit reports, of which Discover Financial Services were provided direct, hard copies of in my written communication.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I received an email XX/XX/XXXX saying something for a loan was being processed for " XXXX XXXX ''. I assumed it was a scam/spam email, since I have never used XXXX  before, so I ignored it. XX/XX/XXXX I got an email saying I was approved for a {$1400.00} loan for XXXX XXXX. Again I ignored it. I then received emails on XX/XX/XXXX and XX/XX/XXXX with links to XXXX with information about " my loan ''. I did not click the links. On XXXX i got an email with confirmation for a total loan on {$1600.00} being accepted for XXXX XXXX. I got an email on XX/XX/XXXX saying payment for {$140.00} was due in 3 days. On XX/XX/XXXX I tried to reach out to purple mattress with nobody answering my phone call. I also called XXXX and was told over the phone, the loan was my responsibility and that I could fill out an affidavit. I filled out the affidavit and sent it with no response. I email them again and was told that the loan was my responsibility. I tried multiple times to dispute this with them and they denied it. It has since gone to my collections. I do still have all of these emails.