davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
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: TRUIST FINANCIAL CORPORATION (TX)

I WAS A VICTIM OF IDENTITY THEFT AND THESE LISTED BELOW ARE FRUADULENT UNAUTHORIZED AND UNRECOGNIZED INQUIRIES ON MY CREDIT REPORT. I WOULD LIKE THEM REMOVED IMMEDIATELY. LISTED AS FOLLOW ( S ) XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX, XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Property Receivables, Corp (CA)

Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX WA, XXXX. 

XXXX paid in full on XX/XX/year> but still showing on account until today ( XX/XX/year> )
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Carter-Young, Inc. (NC)

I was informed that the account with Carter and Young would be deleted from all three credit bureau reports upon payment. Furthermore, the original creditor indicated that they would issue a refund once they confirmed that the request for the funds was incorrect. I was informed that it would be removed once paid ; however, it still appears on my report as closed with a zero balance.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AutoNation Enterprises Incorporated (NV)

in connection with the collection of any debt under provision 15 U.S.C. 1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer XXXX XXXX  and auto nation finance have had third party companies call me with threats for me to pay my debt and have given my info to other companies for collection. XXXX XXXX XXXX XXXX XXXX  retrieved the vehicle and my debt was not corrected as it was paid in full
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the account reported on my credit file under the creditor XXXX XXXX, with an account number ending in XXXX. This account was first reported to Experian on XX/XX/year>, with a date of last activity and opening on XX/XX/year>. 

What Happened : my personal information was discovered in a data breach, upon discovering that my personal information was sold to third party creditors, and on the XXXX web. This caused my personal information to be hacked on my XXXX XXXX XXXX XXXX XXXX, which contained sensitive payment information and other personal information, as it was connected to my XXXX XXXX. 
This theft led to unauthorized access to my financial information, and personal information resulting in several attempts to open credit accounts in my name without my authorization. 
On discovering the unauthorized account, I had not recognized or authorized the opening of this account listed as originating on XX/XX/year>, with a high balance of {$840.00}, which was subsequently reported as paid and closed by the end of the month. 
I reported the phone theft to local authorities on the same day it was stolen and have since taken steps to secure my financial accounts. 
Despite the account showing a zero balance and a status of Paid, I did not authorize, initiate, or engage in any credit agreement with XXXX XXXX or any related entities. 

Actions Taken : Filed a police report on the day of the phone theft. 
Contacted my bank and credit card companies to report the theft and secure my accounts. 
Monitored my credit reports for any suspicious activity, leading to the identification of this unauthorized account. 

I request a thorough investigation into this matter and that this account be removed from my credit files as it is a result of identity theft. I have attached copies of the police report and other relevant documents verifying my claim ( attachments are mentioned for your action but not included here ). 

Please confirm the receipt of this dispute and keep me informed about the progress of this investigation.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : 2024XXXX Document Request Date : 2024-XXXX Claim Amount : {$420.00} Hi XXXX, Attached to this email are the document ( s ) used in your dispute investigation. Your investigation included a review of the following transactions : Chime XXXX ID Date Amount Merchant XXXX. XXXX 2024XXXX {$12.00} XXXX XXXX XXXX XXXX. XXXX 2024XXXX {$7.00} XXXX XXXX. XXXX 2024XXXX {$39.00} XXXX XXXX. XXXX 2024XXXX {$8.00} XXXX  XXXX. XXXX 2024-XXXX {$42.00} XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX {$5.00} XXXX XXXX XXXX XXXX XXXX. XXXX 2024XXXX {$200.00} Atm Withdrawal XXXX. XXXX 2024XXXX {$100.00} Atm Withdrawal XXXX. XXXX 2024-XXXX {$2.00} Cash Withdrawal Fee XXXX. XXXX 2024XXXX {$2.00} Cash WithdrawaXXXX Fee When we received your dispute, we gathered evidence pertaining to your dispute claim and made our decision based on this evidence. This included information that we had available to us at the time, such as device and/or location information, and additional information/evidence that you or the merchant provided us, if any. 

The documents we included in this email may include : Documentation provided by you, including but not limited to receipts, emails/ conversations with the merchant, confirmation emails, answers to support questions, and call logs uploaded through the document portal or emailed to the Chime Dispute Support team. 

Any information provided by the merchant. During the investigation of your claim, we may have filed for a chargeback with the merchant. A chargeback is a request made by Chime to the merchant to have the disputed funds returned to you. Merchants can reject chargebacks and provide their own evidence that a transaction is legitimate. If evidence was provided, it will be attached to this email. If no merchant evidence is attached, none was provided to us during the investigations. You can learn more about the chargeback process here. 


If you have any additional questions or need further assistance, feel free to contact us anytime. 

Warm regards, Chime Dispute Team This ticket includes a secure attachment. Use this link to access.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I made a mobile deposit into my Citibank checking account in the amountof XXXX. The deposit was made without issue. Funds were not available immediately. 
XX/XX/XXXX I received a notification that the deposit was accepted but then I was no longer able to get into the mobile app or log into on the website. 
XX/XX/XXXX I first called customer service and was told they were having issues with the app and site but the funds were still not available. 
XX/XX/XXXX I called XXXX again. Now the funds were available in my account but I received a letter in the mail saying they decided to close my account because of suspected fraud. This check is a pension check from the union that's been cashed every month since XXXX at the same time each month. 
I have talked to multiple people at the customer service, security and fraud depts. I've gotten nothing from anyone because after I finally was able after 4 days to verify my identity they said I needed to have someone from the issuers office call citibank to verify it was valid. 
I am the fulltime caregiver from my XXXX mother which whom I have full power of attorney. And I have never had any issues with cashing it. The check is endorsed by both her and I. Also, I am a single mom of XXXX XXXX XXXX and that money is detrimental to Us. I've had to borrow money to keep our utilities on. This has caused our family so much trouble and unjustified pain and my children shouldn't have to suffer for something that is completely unlawful for them to be doing
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

In XXXX of XXXX i filed for forbearance due to divorce. No forbearance payments were missed. As of XX/XX/XXXX they stated that i owed XXXX $ plus my current payment to continue. my divorce ended and they gave me scenarios to add remaining balance to end of the loan which would not be due until XX/XX/XXXX. They have since reported delinquency of 120 days. They clearly stated that this option would 100 % not affect credit and mot normal payment would resume XX/XX/XXXX. There was NO payment for XXXX. But the previous conversation had me pay an extra XXXX $ to make sure i wasnt delinquent. This exact thing has happened all over to people. My credit score dropped by XXXX points in 1 day. I was told the remaining balance would be added to end of the loan and this would NOT be reported along with forbearance that would not be reported. The house has been sold and pennymac made whole, no idea why they went against their word.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I am not liable and should not be held liable in any form for this debt with XXXX XXXXXXXX XXXX XXXXXXXX I do not have a contract with LVNV FUNDING LLC. They did not provide me with the original contract as I have requested from them.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MA)

I have a membership with XXXX XXXX. Once a month on the XXXX, they take XXXX from my checking account. On the XXXX, the amount wasn't there because people do live pay check to pay check. They don't allow members to pay with their credit card and now I've figured out why. On Thursday, XX/XX/XXXX they were able to get there XXXX but they also charged me a XXXX return fee. This is why they won't let members use their credit cards so they can be vindictive and charge you a late fee as though you wrote them a check. To get charged a late fee as though this was a check that was written is insane. For my bank to allow the late fee charge is also bad for business. There's no customer service number to reach out to XXXX. They tell you to go in person and talk with the actual gym that you visit and speak with someone there. They will never give you an honest answer and they consider the charge justifiable. I would like the late fee given back to me. We also should be able to use a credit card to pay for our member fees or debit card. NOT just checking account. I knew that something was up when they charged me my annual fee way before the 6 months or year was up. I also saw red flags with this company when I signed up. Who doesn't allow people to use a credit card or debit card as a form of payment. Highly suspicious.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX 
LAST NAME : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Consumer complaint received 2024-09-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC (TN)

" American Coradius Incorp. '' placed a debt has already been paid by the XXXX XXXX  in TN. I have called the apartment complex multiple times and they have said they are not responsible for the collection account. I have provided copies of the payment receipts to multiple collection agencies. first they kept change the name of the agency now they are changing the name of the address where I supposedly owe and telling me its the same address. when I asked for an email to provide my documents for the account to be removed I was giving an email that no longer functions.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (CA)

I previously made a request ( CFPB # XXXX ) in XX/XX/year> for removal of a tradeline from my XXXX report XXXX Well, I recently found that the tradeline still remains on my XXXX and XXXX. This credit line was opened fraudulently, and needs to be fully removed from ALL credit bureaus. The lines are showing a delinquency which affects my credit.
Consumer complaint received 2024-09-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (VA)

I was going to switch from my wireless carrier to XXXX  the same night it didn't work so stayed with my current carrier. No service was ever used with XXXX, in XXXX, XXXX I noticed a {$100.00} charge from them on my account. On XX/XX/XXXX I called and spoke to 3 different people, and have attached notes from that day, before I was able to speak to XXXX ( male ) who could see I never used the services at all so he " cancelled '' the service I was not using and refunded the {$100.00} charge XXXX made. It was turned to a company and I told them this when they called me. Now it's showing up as a collection on my credit report. The dollar amount is insignificant, it's the fact that I never had service and XXXX confirmed that and credited my checking account back, NOW they are adversely affecting my credit. I don't know if I need to call XXXX and ask them to pull the call recording or not but I am certainly willing to do that if they do not make this right!
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I applied for and was approved for an XXXX XXXX card with a promotional XXXX interest on balance, transfers and cash advances. I transferred money directly from the card to my bank account with USAA the following day I was unsure if this would qualify as a cash advance I called the bank spoke with an agent. The agent told me that that was the same thing and I did not worry 45 days later, I was charged interest on a cash advance when I called the bank back they told me that that was a cash advance and convenience check so I immediately paid back the balance waited for the convenience checks and use them however when I requested a refund on the interest for the cash advance, they refused to refund it saying that I completed the transaction before requesting the information. I insisted that I was given the correct information when I asked, I wouldve immediately refunded that money and there wouldve been no interest despite many attempts to solve this problem. The bank refuses to refund interest or any wrongdoing.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivable Management Group, Inc. (GA) (SC)

*GLBA FTC SAFEGUARD NON-COMPLIANCE* I am submitting this complaint due to the companys non-compliance with the Gramm-Leach-Bliley Act ( GLBA ). Specifically, they have : Failed to provide the required privacy notices that disclose how they manage and share my personal information.

Not offered an opt-out option for third-party data sharing, as required by the law.

Neglected to establish proper safeguards to protect my personal and financial information under the GLBA Safeguards Rule.

Raised concerns about their identity verification processes, which may violate pretexting protections.

I demand that the company immediately stop sharing my personal information unlawfully and provide a full explanation of how my data has been handled, along with documentation proving their compliance with GLBA regulations.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCF Intermediate Holdings LLC (CA)

J and M law firm has attempted to call me both on XX/XX/XXXX and XX/XX/XXXX regarding a payday loan from a company that I don't have a history with ( I personally verified with that company ) The first call was from North Carolina, then ( in order ) XXXX XXXX, XXXX, XXXX, and XXXX, IN. They all say the same thing and Just started out of nowhere yesterday morning XX/XX/XXXX. My phone sends the number to spam, when they leave a message they try so hard to sound important. I XXXX  them and according to the XXXX  no law firm exists.
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (SC)

XXXX XXXX and XXXX, refuses to delete these fraud accounts after several letters and other types of disputes and attempts to delete it. 
lvnv acc # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, never showed any real proof i owe them or entered a contract with them or the statute of limitations for them to collect a debt in my state or a license to collect in my city. 
XXXX refuses to delete this account. 
XXXX XXXX and XXXX also wont delete these hard inquiries that were not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. please help me delete these accounts due to identity theft and fraud from the breach from each reporting service/company.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC (NC)

The presence of a derogatory rating on my account is causing me significant concern, and I am deeply worried about its potential impact on my credit. This issue has already led to the denial of a recent loan application and higher interest rates on my current credit accounts. I want to stress the considerable financial and emotional distress this negative rating has caused, and will continue to cause, until it is fully resolved.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I placed an order on XXXX and I did not receive my order I filed a complaint with them and they said to contact the shipping company the shipping company said to contact them and they just pushed me around I contacted my bank and they denied the claim as well XX/XX/year> {$190.00}