davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation ()

1st Franklin Financial started calling me almost every day last 3-4 months.

Finally I decided to give them a call back.

They say they sent me a convenience check and I owed money to them.

I have been out of the XXXX  since the summer of 2015. 
There is no way I cashed a check from them. 
I gave them my email address and I asked them to send me the cashed check image. 
They told me they will send me the check image. 
This check I never touched or cashed. 
Now, I saw they inquired my credit report and reported a loan as if I owe money to them. 

I never cashed a check from them and I do not owe them money. 
Today they made a hard inquiry to my credit again. 
I do not know where do they get my personal info but they keep continuing to bother me.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Hello, I had a very great relationship with chase, and I have never done nothing wrong, I have never had a bounced check nor anything, I keep trying to search up the reason why a bank can close your account without any reason and I cant find any, I feel like my debit card was wrongfully closed, and I will like the company to open my debit card again, as I love the company alot. They have been amazing, and I have been an amazing client as well, Im very disappointed right now on the way they acted on my account, when I never have done nothing wrong
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (SC)

Dear Williams and Fudge, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with my name and SSN, as provided under Section 805 ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Section 1692c of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section 1692a ( 2 ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports.

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law.

I demand that you : 1. Immediately cease all communication with me regarding this alleged debt.

2. Remove the debt from all consumer credit reporting agencies where you have reported this information.

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section 1692c ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA.

Please confirm your compliance in writing within 30 days of receiving this notice.

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

I Purchased a clothing from a online app on XX/XX/XXXX & didnt receive my package so I tried to reach out to the the merchant, told the merchant I didnt receive my package then I contact the bank & requested a claim for a refund on XX/XX/XXXX I also reached out the next day on XX/XX/XXXX & told the merchant I havent received anything. Somehow, Today on XX/XX/XXXX at XXXX I have an overdraft from the same merchant for {$220.00} in a reversal claim when I still havent received anything from what I purchased. I will like to receive some help on how I can fix this
Consumer complaint received 2024-09-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Red Target LLC (FL)

I had an auto loan financed with XXXX XXXX on XX/XX/XXXX. I started to struggle with the payments in XXXX which resulted in my default. XXXX during XXXXwhere their collection associates called numerous times a day every day of the week. If I did not answer the call they would call over and over again and leave no message. They called my employment phone after I advised that I could not receive calls at work. Then they began to call me on my mobile telephone during my work hours, again I requested that they not call during those hours to no avail. I did not provide permission for them to call my cellular telephone. They continued to call my cell phone numerous times a day and call me back the same day after talking to me already. The associates then began to curse and threaten to report me to the police and have me cited as well as call and tell my employer of my debt. I advised caller to cease and desist and that they were in violation of the fair debt collection act to which they laughed and called me more derogatory names. 
I provided a written request to cease and desist. I still received a few calls. I finally got a manager and we discussed the fair debt violations along with calling my cell phone after I advised to not call same and an agreement was made that the violations and the remaining debt was a wash. I agreed to surrender the vehicle. It took until I called again months later advising that I was going to cancel insurance on vehicle and they needed to pick up the vehicle. Finally they picked up the car, in XX/XX/XXXX. Based on the agreement discussed, I assumed the matter was complete. 

I received a class action card for XXXX based on their violations of the fair debt collection act. This information certainly backs my interaction. 
In XXXX of XXXX Red Target LLC dba SCJ Commercial Financial Services bought a group of collection accounts from XXXX. The next thing I know this new company files a legal action against me for over {$10000.00} in XX/XX/XXXX. A span of nearly 4 years from the time of repossession to legal action. 

I have advised new company of the issues and that my debt was not with them. However, now they have attempted to have a judgment entered against me with the court. 

I dont understand how a company like XXXX that clearly violated Fair Debt Collection Act can later sell its collection accounts for money to another company to put those people through the mud once again.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I had switched banks, when I made XXXX payments I did not realize my old account was still attached so the payments were returned. When they were returned I paid the NSF and made new payments both times, since this happened they closed my account. I pay {$500.00} to them every month without failure and by them closing this account I have lost the credit history and it has negatively affected my XXXX XXXX. I have spoken to numerous people and they could care less.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

I was ABUSED by a female call center " supervisor '' of Chime, she HUNG UP the call on my face. That's a XXXX standard, that's a Chime standard, that's NOT my standard. The app does not let me close my account.
Consumer complaint received 2024-08-11
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: Experian Information Solutions Inc. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

After the 3rd party went out and purchased a new phone and XXXX account just for the sake of what Chase requested. Then after month although the check had cleared through the escrow company and the phone was still not verifying a supervisor told me if I got power of attorney they could release the funds. After I spent all the time and cost and had to travel 3 hours away I got the durable power of attorney done. This was on a Friday before holiday weekend. The following Tuesday I go into local branch with Durable Power of Attorney and all my proper ID only to be told because the power of attorney was dated after the deposit they would not clear the check. They went back to telling I have to wait around 90 more days for the data to update in the data bank they use to verify the new phone number the third party has. Also they officially closed my business account. This means once the data is verified they will send me a cashiers check because I no longer have an account. In the meantime Chase is using my funds of {$150000.00} intest free as long as they wish costing me all sorts of money and still not releasing my funds!
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

I had a charge to my chime account, On XXXX different occasions I tried to file a claim and they denied XXXX of them for the most money I have been asking for a review XXXX a XXXX  mother of XXXX! XXXX $ and XXXX $ XXXX not seem like a lot but when it makes a difference in paying my daycare or renting a car thatll get me through the week. Its a lot to loose for me. I didnt notice when I went to XXXX XXXX the XXXX of XXXX around XXXX I had left my wallet unattended XXXX of my cards were missing I didnt want to file a police report because I figured it would be ok, well as I was looking through my recent transactions I seen a withdrawal of XXXX $ on XX/XX/XXXX at XXXX, another XXXX $ withdrawal on XX/XX/XXXX at XXXX and the last one on XX/XX/XXXX at XXXX XXXX XXXX Chime has denied my claim and I really CANT afford to loose this much money XXXX hoping the XXXX for XXXX $ will be accepted but I have a bad feeling it wont. I got a new card and they will be mailing it in the XXXX of XXXX but still I need this money back. Please help me!! Idk what else to do
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

A few months ago I prepaid two of my Chase credit cards in order to lower my credit utilization and up my credit score. It worked and my credit score went up to XXXX, but then Chase said they will send me a check for the overpaid amount. Total {$2100.00}. The time came and went, no check ( s ) in mail. I inquired on the Chase card website twice, no reply. Please help me to get my money back. Thank you
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (IL)

A Montgomery Ward credit was open fraudulently using my personal information on XX/XX/2022. I did not open this account. I did not authorize opening this account. Please help me to resolve this. This has negatively impacted my credit score that I worked very hard to achieve. Thank you for your assistance.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (GA)

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage loan from XXXX with {$0.00} balance, collection/charge off from I C Systems Inc with a balance of {$140.00}, and credit cards from XXXX XXXX XXXX with a balance of {$10000.00}, XXXX XXXX  XXXX with a balance of {$1600.00}, and XXXX with a balance of {$8600.00}, Inquiries : XXXX XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX Delaware XXXX XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (AZ)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GOLDMAN SACHS BANK USA (VA)

I was XXXX and upon release I found out someone took a loan out in my name and now in this recent data breach I realized that my social may have been breached and thats how they took a loan out in my information.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

In XXXX I performed junk removal service for a customer and was offered a {$20.00} tip bu the customer if I had a Venmo account. I immediately signed up for Venmo service and received the {$20.00} tip into the Venmo account as expected from the customer. As part of Venmo sign up process I had to verify identity using Drivers License photo, which was successful according to Venmo. I then tried to link and account to transfer the Funds out and venmo suspended my account preventing access to my funds. They demanded my ID again to release suspension. I have submitted my drivers license to Venmo numerous times over the previous 9months and have submitted dozens of requests for release of suspension and if I receive any response at all it is simply that I need to submit ID, which I have done numerous times to no avail. They refuse to assist in anyway and I have demanded the release of my funds on many occasions. I just want access to retrieve my valid funds and to delete the account and never do business with this corrupt organization again.
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (NV)

I recently closed a mortgage loan with Freedom Mortgage on XX/XX/year> and subsequentially sent them my XXXX payment. Within the last week I received a letter and billing statement from XXXX XXXX XXXX  stating that my mortgage loan had been transferred to them. Since I didn't receive a notice of transfer from Freedom Mortgage, I called them to confirm that my loan had been transferred and was told by three different people within Freedom Mortgage that they still own and service my mortgage and all payments should be sent to Freedom Mortgage. After researching XXXX XXXX XXXX, since I had never heard of them, I call and talked to some one and they informed me that they now owned and service my mortgage and therefore all payments should be sent to XXXX XXXX XXXX. Since I close my loan with Freedom Mortgage a file a fraud complaint on XX/XX/XXXX and was told it would be resolved within 48 hours. I received a message today stating that they are researching the issues and should have their research completed by XX/XX/XXXX ; This response is unacceptable, either they still hold my mortgage or they don't. I have a mortgage payment due on XX/XX/XXXX and if this is not resolved, I am not sure who to send my payment to which could have a negative impact on my credit.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (PA)

Charge off accounts are considered, certificates of indebtedness, pursuant to I.R.S publication 4681 and it is now considered income and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974.

The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records.

Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.

IRS Publication 4681 Canceled debt : If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in chapter XXXX applies.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (WY)

I was contacted by XXXX XXXX who said that I owed a debt and they refused to validate the debt. When I filed a complaint with the BBB, I received an answer stating that " XXXX XXXX is a third-party collector for LVNV and they had no information on the debt. '' LVNV needs to remove this debt from my credit report and cease contacting me as they refused multiple times to validate the debt and provide any information where I agreed to do business with them. This has been going on for a long time and LVNV keeps having third parties contact me, as witnessed by XXXX XXXX contacting me. All of these are clear violations of the Fair Debt Act. 

All information regarding this debt needs removed from my credit report immediately.
Consumer complaint received 2024-08-11
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: Experian Information Solutions Inc. (IN)

I have 3 hard inquiries in my credit report that I did never authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, I used my XXXX card to book a hotel room at the XXXX XXXX XXXX in XXXX, XXXX. I was excited because I had finally earned enough points to get a free room night. I prepaid the amount of {$200.00} when booking this with XXXX using the Wells Fargo card. When I checked in on XX/XX/XXXX, I used the same credit card to secure the room. However, when I checked out on XX/XX/XXXX, I discovered that the hotel charged me all over again for both nights. They refused to credit the amount of {$260.00} stating that XXXX never paid them. Therefore, I called Wells Fargo ( bank issuer ) to have this charge disputed. They refused and stated they could only dispute the original amount that I paid in XXXX since I had stayed at the hotel. This is completely unfair. I realize I stayed at the Hotel because I was supposed to stay on a prepaid visit. The free room night was not worth this trouble and now I'm not even getting a free room as I had to pay the entire amount for both rooms. Neither the hotel or the credit card are taking responsibility for the additional balance due of {$63.00} after I did everything I was supposed to do from the beginning. Wells Fargo needs to take responsibility and credit my account back for their vendor 's mistake. This is definitely their issue.