davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

My card is being used by an unauthorized user, And canceled subscriptions, I sent a disuputebit was denied I filed police report and sent to company theyre still not releasing my funds I have 2 infant and cant afford to have my money being stolen from me, Ive reached out again to chime and asked for the reason of denial they never responded they replied with Thanks for reaching out to Chime. Unfortunately, your message is unable to be delivered. For information or support, you can visit our XXXX XXXX, check our FAQs, or contact us through our app or phone. Ive called for over 10 days and its still in progress Chime TXN ID Date Amount Merchant XXXX. XXXX XXXX {$500.00} Atm Withdrawal XXXX. XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$200.00} Atm Withdrawal XXXX. XXXX XXXX {$100.00} Atm Withdrawal XXXX. XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$15.00} XXXX
Consumer complaint received 2024-09-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harpeth Financial Services, LLC (TN)

I have contacted the XXXX XXXX XXXX repeatedly over time to try and settled my alleged debt with them. My calls and proposals continuously go unanswered, until suddenly, Im being served paperwork for a lawsuit. I was served once ; and contacted them immediately to resolve this. They do not keep up with clients at all, they do not have autopay for payment plans, they do not send monthly bills or payment reminders, they do not send monthly statements, therefore keeping tracking of payments and due dates is impossible due to the lack of infrastructure on their website. The second time I found out they were suing me, they had gotten a judgement against me to levy my bank account- I was not notified of any delinquent payments on my plan, I was not notified of the new lawsuit, I was not notified of the bank levy, I was only made aware by a law firm offering their legal services to me with the public record from the local courthouse. I notified them immediately that they did not have the right to levy my account as it is shared with a third party, and has protected funds in it. They instead opted to pursue another payment plan. I have repeatedly proposed and called and sent letters about settling the debt- with no answer. They have not properly notified me of my debts in the amount or status of the debt and have also failed to notify me of pursuing legal action. They are unresponsive to most requests and this seems to be a common complaint amongst their XXXX reviews. 
The photo below shows two occasions I was supposedly served on- one of which ( XXXX ) which is incorrect. I was never served or notified of a bank levy.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I sent an {$800.00} via XXXX, which is tied to my Chase debit card, to a person who falsely presented himself to be an employee of a company that installs accordion shutters. About a month later, I determined this was a scam and the service was not rendered. This person blocked my number and stopped responding. I filed a police report and contacted Chase to dispute the charge. They opened a case and in less than 24 hours I received a letter stating there would be no credits to my account as the transaction was authorized. I called their toll free number to find out how they came to this conclusion, as well as file an appeal since I have proof and a police report showing I was scammed. The representative asked me to upload a photo of the report, stating the case would be reopened but that there is no guarantee that it will be approved. Per the Chase mobile app, the case remains closed and it appears I have no recourse.
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

XX/XX/scrub>XXXX Letter requesting signatures on contract with Resurgent Receivables -send : 1-signed contract 2-list of payment details with them 3-Affidavit of Facts showing Application
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (IL)

I am writing to this company the 8th time to dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7 letter and dispute I have sent to this creditor along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditors violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 7th notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this creditor/company isnt honoring my identity theft claim. I am now pursuing litigation, I am suing this credit company, for AGGRAVATED IDENTITY THEFT, ILLEGALLY FURNISHING FRAUD ACCOUNTS ON MY CREDIT PROFILE, PAIN AND SUFFERING, AND DEFAMATION OF CHARACTER. This company did not honor my consumer rights as a citizen in America regarding my consumer credit file, this company ignored not 1, but 7 documented and certified complaints and letters regarding my identity being compromised. Under stated consumer rights law this company didnt protect, honor, or respect my claim and rights. I provided evidence, police reports, FTC reports, and supporting valid identity documents to verify myself throughout this 6-month process. This company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt. 

I DID NOT OPEN OR AUTHORIZE THESE ACCOUNTS, NOR WAS I INVOLVED IN ANY TRANSACTIONS ASSOCIATED WITH THESE ACCOUNTS. UNDER 18 U.S. CODE 1028 ( AGGRAVATED IDENTITY THEFT ), THE USE OF MY IDENTITY WITHOUT MY KNOWLEDGE OR CONSENT TO COMMIT FRAUDULENT ACTIVITY IS A SERIOUS FEDERAL CRIME. THIS COMPANY IS CONTINUING TO COMMIT A CRIME BY FUNISHING AND REPORTING ACCOUNTS UTILIZING MY IDENTITY WITHOUT MY CONSENT AFTER I MADE THIS COMPANY AWARE OF THE FRAUD, AND IDENTITY THEFT. THIS COMPANY BY LAW IS IN VIOLATION OF MY RIGHTS, AND THIS COMPANY IS A SUSPECT IN THIS IDENTITY THEFT CASE
Consumer complaint received 2024-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (IA)

I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company National Credit Adjusters LLC, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.
Consumer complaint received 2024-09-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander fraudulently misrepresented material facts about the nature of this transaction. My endorsement on the commercial contract is what gave value. Santander then presented the collateral to the bank for cash value and then tricked me into signing and taking on their liability. Why didnt Santander state this would happen? They then repossessed the vehicle because they tricked me into signing a security agreement knowing that I wasnt indebted but wanted more money.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MD)

My account is restricted and I dont know why and i was told to wait for a reference number and I did and when I gave them the reference I received they said it was the wrong one so I asked for my money to be withdrawn from my account and they keep telling me no I cant get my own money that I need to pay my bills and survive. Everytime I talk to someone they eventually hang up like its scam or something.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Financial Protection Bureau, I am writing to request that two bankruptcies be removed from my Transunion and XXXX credit consumer reports. I am a real person by myself writing to you. Despite providing numerous supporting documentation and evidence that the bankruptcies are not mine and were dismissed based on what they told, Transunion and XXXX have failed to remove the incorrect information from my credit report. 

In fact, I have contacted XXXX, another consumer reporting agency, regarding the bankruptcies and they have confirmed that the bankruptcies are not mine and have been removed from their report. XXXX, another consumer reporting agency, has also removed the bankruptcies from my credit report. However, Transunion and XXXX continue to report the bankruptcies, even though XXXX has confirmed their inaccuracy and removed them from their report. 

Moreover, Transunion and XXXX claim that they have verified the bankruptcies with public records based in last complaints and too the XXXX  and their respective state, but I have personally visited the court and was informed that they did not receive any verification requests from Transunion and XXXX. It is possible that Transunion and XXXX used XXXX to verify the bankruptcies, which is not an appropriate method for verifying credit report information. XXXX is intended for " judicial use only, '' and not for public use or for verifying credit report information. 

I believe that Transunion and XXXX are violating my consumer and privacy rights by continuing to report the incorrect bankruptcies on my credit report. Therefore, I would like to invoke the following laws to support my request for the removal of the bankruptcies : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) - This section requires consumer reporting agencies to investigate disputes within 30 days and remove any information that can not be verified. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) - This section requires consumer reporting agencies to follow " reasonable procedures '' to ensure the accuracy of the information they report. 

Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c - This section requires consumer reporting agencies to provide accurate credit reports to consumers. 

Given the evidence and documentation I have provided, and the fact that XXXX has already removed the bankruptcies from my credit report, I believe that it is clear that the bankruptcies are not mine and should be removed from my Transunion and XXXX credit reports as well. It is important that the CFPB investigate Transunion and XXXX 's actions to ensure that they are complying with federal law and protecting consumers ' privacy and credit rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
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: JPMORGAN CHASE & CO. (FL)

Several unauthorized Inquiries on my credit report, I did not authorized these institutions to run my credit report. Please remove these inquiries off my report. JPMCB XXXX JPMCB XXXX XXXX XXXX JPMCB XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (FL)

So I was shopping around to get the best offer from 2 companies XXXX and XXXX XXXX. They should removed all hard inquiries except the last one before I bought the house with XXXX XXXX last XX/XX/year>. 
As per the actual credit report XXXX and XXXX XXXX remove these hard inquires.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/year>, I sent formal dispute letters to [ Credit Bureau ( s ) ] ( XXXX, XXXX, Equifax ) to address inaccuracies on my credit report. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), the credit bureaus are legally required to conduct a reasonable investigation and respond to disputes within 30 days. If additional information is provided, they are given 45 days to complete their investigation and respond to the consumer. 

As of XX/XX/year>, it has been more than 45 days since the date of my original disputes, and I have yet to receive any response from Credit Bureaus. This is a direct violation of the FCRA, which mandates that the credit reporting agencies must provide the results of their investigation within the required time period. 

The failure of the Credit Bureaus to respond within the legal timeframe has significantly impacted my financial situation, as the inaccuracies on my credit report have remained unresolved. These inaccuracies may be affecting my credit score, access to financial services, and overall financial well-being.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (MD)

I am writing to formally address concerns regarding the reporting of late payments by [ insert the name of the creditor/financial institution ], which I believe may violate the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure compliance with the appropriate regulations governing accurate and fair credit reporting.

Under the FCRA ( 15 U.S.C. 1681 ), creditors and financial institutions are legally required to report accurate and timely information to credit reporting agencies. According to the law : Accuracy of Information ( 1681s-2 ( a ) ) : Furnishers of credit information are required to report accurate information to credit reporting agencies. If inaccurate information is identified, it must be corrected promptly.

Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers must correct and update information when they become aware that previously provided information is inaccurate or incomplete.

Reasonable Investigation ( 1681s-2 ( b ) ) : When a consumer disputes the accuracy of reported information, creditors must conduct a reasonable investigation and provide corrections if inaccuracies are found.

Based on my review, [ insert specific details about the late payment reporting, such as the dates and nature of the incorrect reporting ], I believe this information needs to be more accurate and align with the requirements outlined in the FCRA. This inaccurate reporting negatively impacts my creditworthiness and financial well-being.

I request that the CFPB investigate this matter to ensure that [ creditor/financial institution ] complies with the FCRAs requirements. Specifically, I ask that they be directed to : Correct any inaccuracies in my credit report related to the late payment.

Ensure all future reporting adheres strictly to FCRA standards.

Provide written confirmation of the actions taken to correct these inaccuracies.

Thank you for your attention to this matter. I look forward to your prompt assistance in upholding my rights under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

There is a company collection account on my credit report called Portfolio Recovery Associates XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX and the account number is XXXX for a balance of {$820.00}. I believe that this is fraudulent account because on my XXXX report it is saying that this account was opened on XX/XX/year> and this is not true. I would like you guys to delete this account from my credit file because its not my account. I'm gong to upload information that can verify my identity such as a Massachusetts ID card and copy of my U.S. Passport and Social Security card.
Consumer complaint received 2024-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC (AK)

I will not be legally forced to pay RELIANT CAPITAL SOLUTIONS through the " Shared Services of Alaska '' system. I can and will pay my debt through Alaska 's courtview system or directly to the State. Since RELIANT has already stopped the collections process and told me to pay through courtview, they are now required to take all of my information out of the system.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (IL)

I am writing to this company the XXXX time to dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7 letter and dispute I have sent to this creditor along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditors violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 7th notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this creditor/company isnt honoring my identity theft claim. I am now pursuing litigation, I am suing this credit company, for AGGRAVATED IDENTITY THEFT, ILLEGALLY FURNISHING FRAUD ACCOUNTS ON MY CREDIT PROFILE, PAIN AND SUFFERING, AND DEFAMATION OF CHARACTER. This company did not honor my consumer rights as a citizen in America regarding my consumer credit file, this company ignored not 1, but 7 documented and certified complaints and letters regarding my identity being compromised. Under stated consumer rights law this company didnt protect, honor, or respect my claim and rights. I provided evidence, police reports, FTC reports, and supporting valid identity documents to verify myself throughout this 6-month process. This company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was XXXX for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt. 

I DID NOT OPEN OR AUTHORIZE THESE ACCOUNTS, NOR WAS I INVOLVED IN ANY TRANSACTIONS ASSOCIATED WITH THESE ACCOUNTS. UNDER XXXX U.S. CODE 1028 ( AGGRAVATED IDENTITY THEFT ), THE USE OF MY IDENTITY WITHOUT MY KNOWLEDGE OR CONSENT TO COMMIT FRAUDULENT ACTIVITY IS A SERIOUS FEDERAL CRIME. THIS COMPANY IS CONTINUING TO COMMIT A CRIME BY FUNISHING AND REPORTING ACCOUNTS UTILIZING MY IDENTITY WITHOUT MY CONSENT AFTER I MADE THIS COMPANY AWARE OF THE FRAUD, AND IDENTITY THEFT. THIS COMPANY BY LAW IS IN VIOLATION OF MY RIGHTS, AND THIS COMPANY IS A SUSPECT IN THIS IDENTITY THEFT CASE.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Unauthorized transactions : Transactions occurred that were not made by cardholder or approved user on the dates listed below at the location listed below. 

Location XXXX XXXX XXXX XXXX XXXX XXXX, California ( XXXX XXXX XXXX ) XXXX XXXX  - {$200.00} XX/XX/2023 - {$270.00} XX/XX/2023 - {$92.00} XX/XX/2023 - {$210.00} XX/XX/2023 - {$250.00} Bank of America has charged an use charge of {$2.00} per occurrence - total {$12.00}. 

Cardholder has since changed passwords and pins, and received new cards. 

Bank of America has reversed one transaction only and has denied the claim dispute for transactions from XX/XX/XXXX to XX/XX/XXXX, totaling {$780.00}
Consumer complaint received 2024-09-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

XX/XX/year>, submitted school misconduct application. With proof of school misconduct, included e-mail from the U.S. Department of education discharging federal loans due to misconduct. 
XX/XX/year> acknowledgment of receipt of application and placed in a 30 day forbearance. 
XX/XX/year> charged {$16.00} while in forbearance with another {$21.00} due XX/XX/year> XX/XX/year> application denied stating " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' XX/XX/year> submitted the school misconduct application a second time with additional documentation to help my case. 
XX/XX/year> received a reply stating We've already responded to a request for the same or similar information. 
Therefore, we will not be researching this specific inquiry further. 
XX/XX/year> e-mailed navient asking for a more specific reason for the denial and if I need to request another school misconduct application to submit my additional supporting documents.