davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I receive grants from the us government of treasury I deposited checks into my bank of America account everything was fine they cleared the checks in 3 days I was able to spend my money I'm not to sure about the dat but maybe XXXX the XXXX I went to a XXXX XXXX bank of America financial institution to do a wire also I was doing wires at bank of America in XXXX XXXX with no problem but the downtown institution started asking me question like where did the money come from so I explained they froze my account they sent me a letter in the mail saying I can no longer use my debit card or spend my money they told me that they were going to close my account XX/XX/XXXX and they told me that in the month of XXXX so I waited until XX/XX/XXXX and they didn't close it and said that they going to extend for more review so I called them after XX/XX/XXXX for the stats of my account and they kept giving me dates now it is XXXX they closed the account XX/XX/XXXX but said the funds will go into the back office for further review and bank of America told me there is no timeframe on when they will release the funds also they said that they are going to send money back to where the government checks came from which is the its but when I talked to the its XX/XX/XXXX they told me they are suppose to send to me my address which was on file the its also told me I should get a attorney I'm struggling just to make ends meet I'm behind on my bills because I was told by bank of America that they were going to close my account and send the money to my address but they just been lying to me I just need my money so I can move on thanks hope you can help
Consumer complaint received 2023-07-19
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc (IL)

To whom it may concern : When applying to two apartments I received two notices saying I could not be approved due to a debt I owed an apartment complex. Upon further investigation ( and wasting hundreds of dollars applying to apartments ) I found out the Owner of the Rental Property was XXXX. I tried to reach out to XXXX and they informed me they could tell me nothing of the matter? I tried repeatedly and they finally referred me to a Company Called Hunter Warfield. They said they had sold " debt '' to them. 
I finally got ahold of Hunter Warfield. They told me I owed XXXX {$4800.00} in rent and fees and that I owed them {$800.00} in interest. I am not sure how they worded it but they said something of the nature that they themselves would be pressing charges or that XXXX would be if I did not pay them in a timely fashion. This was after I told the representative at Hunter Warfield I would prefer to communicate by email rather than phone. I paid my rent on time before leaving and even informed the manager there that due to a work-live-in situation I would be exiting the lease. I let him know this weeks before the start of the new month XXXX XX/XX/2018 ). 
There was another individual on the lease as well, XXXX XXXX. About the same time I was going to leave for my live-in-work he was given orders to move back into Housing on the Naval Base. By the looks of the balance they did not search for a renter to fill our apartment till months after we left. In addition due to the size of balance it seems that they allocated its entirety to me and not the other individual on the lease? I have since tried to email Hunter Warfield and have gotten no response. 
If you could help me resolve this issue I would be very appreciative. 
Sincerely, Renter
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

I opened a checking account with Chime in XX/XX/XXXX. I used this checking account without any problems or issues for about 3 years and 4 months. 

My checking account was forcibly closed by Chime on XX/XX/XXXX. I received the following email message from Chime on XXXX  : " your account is not in compliance with its internal policies and the member agreement executed at enrollment The account was closed on XX/XX/XXXX. If there is any account balance due to you, a check will be mailed to the address on file within 30 days '' I do not know which Chime " internal policies '' I did not comply with, but my primary concern is they promised to send the balance of the funds in my checking account to me, " within 30 days '', so that I could deposit my money into another bank. My checking account balance as of XX/XX/XXXX is {$11000.00}. 

I should have received my funds no later than XX/XX/XXXX. But despite my repeated requests, and sending over a dozen emails to Chime, and making countless phone calls to their customer service, I still have not received my money from Chime. 

I need the help of the CFPB to get Chime to send me my {$11000.00} as soon as possible. As of today, they have illegally held my money for 223 days since XX/XX/XXXX. Pleae see the attached emails that I have been sending to Chime, and the replies I have received from Chime since XXXX XXXX 

As you can see, they are deliberately stalling and procrastinating, and coming up with excuses not to send my money to me.
Consumer complaint received 2021-08-27
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. (CA)

XXXX  AND EQUIFAX ARE REPORTING ACCOUNTS THAT WERE DELETED OFF OF MY XXXX REPORT AND IT'S HURTING MY CHANCES OF BUYING A NEW HOME FOR MY FAMILY.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (NC)

I bank with NETSPEND. On XX/XX/XXXX my saving account was hacked. Over {$1600.00} dollars was taken out of my account. When I became aware of what was going on I called my bank to file a dispute. The gentleman that I spoke to file the dispute incorrectly. He actually file my transactions and not the hackers. When I noticed the error I called my bank AGAIN and told them what about the wrong filed dispute, causing me to have to file another one. I sent in screenshots of the transactions, plus address that was listed on my transaction history. I was told to wait 10 business for a decision. SO I WAITED!!!! On the day I was told to call to check on the status of everything I was told that my claim was denied due to non-fraudulent activity. 
I was livid!!!!!! 

Can someone please help me! I need my money and they refusing to replace it. What can I do???
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (SC)

Longtime mortgage was sold and transferred to Chase Bank two months ago. 
Have paid my mortgage.

This week received an email from Chase thanking me for applying for a credit card.

I did NOT apply for a credit card.

I called chase, they said I did in fact have an open application.

They closed the application.

I have run credit report and do not see any other open applications.

This is shady. Chase was trying to play a fast one and now I am stuck with them as a customer because our mortgage is now owned by Chase.
Consumer complaint received 2024-02-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I received three, XXXX XXXX  American Express prepaid cards as gifts. Over the last 60 days, I have attempted to used them at more than a dozen online and XXXX XXXX XXXX XXXX  that accept American Express, and they are uniformly declined. Several retailers have bent over backwards and tried processing them in all variety of ways, and the result is the same. I have repeatedly verified the balances, and all three have a {$25.00} balance. Even a cursory internet search demonstrates that this experience is nearly universal, and neither American Express nor their third-party administrator are of any help whatsoever. Indeed, I'm confident the CFPB has received numerous complaints of this sort. The only advice I was able to get from the American Express website is to purchase only items less than the available card balance. Not only did this not work, but even if it did, this strategy would guarantee I would be unable to use my entire balance. I've even tried to sell the gift cards on a third-party site, only to find they no longer accept AMEX cards for sale because of so many complaints. At the very least, the cards are merely useless -- -and at most they're a deliberate scam.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (TX)

Horrible credit practices with both XXXX and XXXX XXXX. Non stop emails received daily claiming XXXX this new credit card to increase your score. My score was XXXX XX/XX/year>. I paid off a house mortgage, paid off student loans, paid off vehicles and my credit score is XXXX points lower. No late or missing payments in the past year. Any current cards are below 25 % utilization.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Now, I rarely use my Wells Fargo account, which is comprised of two credit cards and a checking account. This incident began with an annual services charge from a third-party company in the amount of XXXX got charged to a credit card # XXXX account ( XXXX XXXX ) and went unnoticed, because I forgot about the services ( note - charges got refunded due to interaction with that 3rd party ) . I do have Wells Fargo account informational communications setup to receive email correspondence and mail for certain account activity. However I did not receive any communication either email nor mail regarding an upcoming payment due for credit card account # 1, which of course was due to it carrying a balance that month. The Wells Fargo credit card # 1 account thus attempted to auto-pay, which had been setup, but due to insufficient funds, caused an overdraft to my checking account. Wells Fargo has some kind of predatory overdraft coverage service, it's innerworkings previously unbeknownst to me up to this incident. The overdraft fee of XXXX} was charged to my credit card # 2 account ( XXXX XXXX ) and also initially went unnoticed, with again no email or mail communication sent by Wells Fargo. This overdraft charge was then subject to approximately 29.24 % interest as a cash advance. The credit card # XXXX account is also set to auto-pay and is also set to have this overdraft coverage. Had I not taken corrective action of this fee scheme, it could have caused a sort of chain reaction of overdraft charges or late fees, all at 29.24 % interest. This will not come to pass, as I am paying the XXXX fee for credit card account # XXXX from a third-party checking account. The fee is from XXXX} overdraft and XXXX interest charge from the first month. This configuration of so-called protection against overdrafts is very troubling, as is the fact that Wells Fargo forbids a third-party account from being added as a funding source to prevent overdrafts, and in addition offers no remedy to simply disable drafting the account when the balance has insufficient funds. These schemes seem intentionally predatory to cause additional fees to be incurred by unsuspecting customers who may not be sent all necessary and prudent communications about account activity from Wells Fargo nor fully informed about the function of their overdraft services.
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CT)

I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section XXXX XXXX XXXX ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt. 

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct. 

Furthermore, I exercise my right under XXXX XXXX XXXX ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to XXXX XXXX XXXX I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
Consumer complaint received 2024-02-10
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (CA)

I've attempted to dispute transactions with this company for a while they finally did it once I submitted a complaint. I contacted the company because I've yet to receive a replacement card or the paperwork they claim they needed to process my dispute. Last week and was told the paperwork was sent out and to wait until XX/XX/year> I then called back yesterday just for an update & was told my claims were denied. How can they be denied if I never received the paperwork needed to process my dispute? They denied it due to no error found how is that even possible? Here is a list of all transactions that I Didn't AUTHORIZE! 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 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 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 2024-02-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc. (GA)

I sent out a request for verifications of debt : To : XXXX XXXX XXXX and received no response. I cited all the important information Acct #, address, and explanation that the debt doesn't belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I received this message on XX/XX/year> - and sent ANOTHER dispute letter explaining to no longer contact me due to this debt does not belong to me. 

They did not respond. 

I do have the letters I sent out to them and the timestamp. 


Yesterday I received a new creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I need you to step in and contact these debt XXXX.
Consumer complaint received 2023-07-19
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. (LA)

On or about XX/XX/2023, a dispute was filed with Experian online concerning an alleged collection debt I am unaware of but Experian 's results on XX/XX/2023 claim that it verified the alleged debt. Therefore, another dispute was filed on XX/XX/2023 requesting Experian re-investigate the alleged debt and provide its methods used when validating the alleged debt. Further, per a consumer 's rights, a demand for proof of the alleged debt was included in the validation letter I submitted on XX/XX/2023. I requested for the following documentations ( a ) the original contract with the original creditor that was executed by me ; ( b ) the names of persons you spoke to about this alleged debt ; ( c ) an affidavit that you have lawfully investigated and lawfully verified this alleged debt and AFFIDAVIT MUST BE NOTARIZED ; ( d ) the assignment of this alleged debt ; ( XXXX ) an itemized statement of this alleged debt that provides a breakdown and itemized list of fees associated with the alleged debt from the original creditor, all collection costs, and all other expenses ; and ( f ) verification of the late payment date. On XX/XX/2023, Experian issued results of its re-investigation in connection with the dispute I filed, and Experian unlawfully claims " account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' but continues to fail at providing its methods of validation and the proof of validation as demanded on them. Experian continues to unlawfully report inaccurate and erroneous information on my credit report, and continues to fail at its obligations to lawfully validate debt.
Consumer complaint received 2023-07-19
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: Credit Control, LLC (PA)

XXXX XXXX XXXX and Credit Control LLC is reporting to all 3 major credit bureaus on a previous account that has already been written off and claimed as income by XXXX XXXX. They have also violated The Privacy Act of 1974 and The Fair Credit Reporting Act ( FCRA ) of 1970 and this is now affecting my credit. They have violated 15 U.S. Code 1681 ( Permissible purposes ) .I have not given any consent to them to report to the bureaus which is negatively affecting my credit report. I will be filing a Ftc complaint if this is not removed i have not consented to them sharing my information.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXXI, XXXX XXXX XXXX, original creditor/consumer sent all three major credit reporting agencies Affidavits of Truth with simple demands. I gave each agency 21 days to fix the credit reports with my written instructions as shown in the attachments. I even attached copies of the law to each letter for each US code. I have only heard from one agency via mail and that agency ( XXXX  ) did not respect my demands. Im sure the other two agencies didn't respect my demands either as I didn't receive mail from them within the respected time frame. Find attached XXXX  letter with incorrect information and " dispute results ''
Consumer complaint received 2023-07-18
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: CLGF Holdco 1, LLC (IL)

In accordance with the fair credit reporting act Indigo credit card has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-18
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. (FL)

I have contacted XXXX regarding some information that is reporting on my credit, such as collections, phone numbers addresses that does not belong to me due to identity theft XXXX gave me the runaround and does not want to help me resolve this issue regarding that in accurate information that is reported on my credit, which is a violation of my rights.