davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
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 (TX)

XX/XX/year> : purchased product from XXXX XXXX XXXX ( XXXX  ) for {$89.00}. 
XX/XX/year> : a charge of {$94.00} also posted to my account from XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year> I contacted Chime Bank and filed Dispute XXXX XXXXXXXX for the above issue. 

XX/XX/year> at XXXX : Called to inquire about another fraudulent charge on my account from XXXX  for {$89.00}. Contacted Chime but was hung up on by support and when I called back received a different teleprompter than before. 
XXXX ) I reported my debit/credit card stolen on XX/XX/year> ( to cover all my bases ) XXXX ) My cards were also frozen and should not have been used XXXX ) I already had a dispute filed regarding this vendor I was able to discuss with the vendor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and spoke with them at length regarding the most recent charge of {$89.00}. Per their records, the only charge they have submitted for payment is the charge of {$89.00} on XX/XX/year>, which is also the only charge I authorized. 

Chime bank denied my dispute request submitted on XX/XX/year> and I am extremely concerned since this is now the second charge that has come through unauthorized. I am concerned for my information safety and am taking steps to move my account, but in the meantime want to insure that I receive my funds back as I did not authorize this payment.
Consumer complaint received 2024-09-08
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: ENOVA INTERNATIONAL, INC. (GA)

NetCredit XXXX XXXX, XXXX I have also written to all three credit bureaus requesting that they reinvestigate this matter. 
After carefully investigating the company, they are not even licensed to collect in the state that I live in Georgia. 

As such, any attempt to collect the alleged debt from me violates Georgia 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 Georgia 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. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IL)

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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (SC)

ACCOUNT # XXXX These debts yall trying to collect Im not with it at all and them amounts yall saying I owe are way off. Dont waste your time sending me any proof Im not trying to see it. I know whats real and proof aint gon na change nothing. If you need to hit me up, do it by email only between XXXXXXXX XXXX and XXXXXXXX XXXX  EST. Dont send me no mail whether its USPS XXXX XXXX XXXX XXXX or any courier and dont call me and voicemail either Its just a big inconvenience. ACCOUNT # XXXX and anything else you have wit my name on it. Just keeping it real.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TN)

My XXXX account with SoFi bank was restricted out of the blue. Another Account has been linked to the XXXX account which had no funds in it. 

When completing transfers from XXXX Saving to Checking in the app the option to deposit from the external account would show and sometimes be clicked. This action is also uncancelable. 

When contacting customer service, was given no specifics about the restriction, only to check back in an indefinite time.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: January Technologies, Inc (IN)

Recieved letter XX/XX/XXXX stating I owed {$870.00} to a credit card company that I never applied for. Texted them, asked to send me original loan application so I could review. I was sent the loan with purchases attached all from XXXX PA where Ive never lived or even visited. The address on statement was a PA location. I was told by the trustee after my bankruptcy was filed XX/XX/XXXX not to apply for any loans or credit until case had been settled. I have not applied for anything..
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

I dont recognize this inquiries on my credit 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 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I XXXX XXXX on behalf of the XXXX XXXX XXXX XXXX, tendered to Capital One a Special Deposit along with a Notice of Subrogation and Notice of Rescission by USPS Express Mail XXXX which was delivered XXXX concerning an Auto loan with account # XXXX. Capital One did not respond. A certified USPS mailed follow up correspondence # XXXX was sent and received XXXX. The correspondence questioned why wasnt the original promissory note used to set off the loan and why was the above mentioned special deposit not credited to the account. Furthermore, I requested the GAAP Accounting for the said account, to include the account payables and account receivables, still Capital One is yet to respond. As a result, I completed a forensic audit of the account with a certified agent who is also willing to testify on the findings if necessary. The audit discovered numerous violations from Capital One. A trust agreement was created where Capital One created a bond with a second trust pool of securities with XXXX XXXX which was securitized and placed on secondary markets in countries outside of the United States. These countries are not listed on any chart within their prospectus provided to the SEC. These are major securities fraud and can also cause further tax implications with the IRS. The said bond also generated several XXXX dollars of revenue and yet I XXXX XXXX still have to service the loan with monthly installments. The said account receivables were also put in a previous original trust pool of securities that generated over XXXX XXXX dollars ( {$1.00} XXXX ). Capital One also violated TILAs 72 hour rescission addendum on the loan agreement. The above listed illustrations are only a few of the numerous ways Capital One violated the trust agreement from my account receivables. As an investor, Capital One never responded to my correspondences. I would therefore like a full investigation of my account. The account should also be fully discharged and I would like an eighty percent ( 80 % ) recoupment of all collateral securities rights, titles, interest and profits. Nonetheless, if my requests are not fulfilled, I will be forced to apply the full extent of the law. Without Recourse XXXX XXXX.
Consumer complaint received 2024-07-26
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: Experian Information Solutions Inc. (MD)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my multiple attempts to raise this issue and request a thorough investigation, I have yet to receive any resolution or corrective action. These inaccuracies are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-09
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: LEXISNEXIS (NJ)

I am writing to formally notify you of inaccurate and incomplete bankruptcy information reported on my credit file, which I have previously disputed without satisfactory resolution. This communication serves as a formal request to immediately correct or remove the erroneous entry from my records, failing which I will be compelled to initiate legal proceedings.

Upon reviewing my credit report, I noticed that Lexis Nexis is still reporting a bankruptcy to XXXX and XXXX against my previous written instruction to remove due to the reporting of such information violates my privacy.

Please be advised that your actions are in violation of the Fair Credit Reporting Act, specifically under the following provisions : 15 USC 1681b ( a ) ( 2 ) concerning permissible purposes of consumer reports.

15 USC 1681e ( b ) which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies, including correcting and updating inaccurate information.

The continued presence of this inaccurate and incomplete reporting is not only misleading but also infringes on my right to privacy and fairness as guaranteed by the FCRA. Such reporting has caused, and continues to cause, significant harm to my creditworthiness and ability to seek credit. 

Lexis Nexis has passed the buck stating XXXX  supplied the information. However, Lexis nexis is the direct reporter of the information and they have no right. I do not have any more energy to spend on disputing and am equipped to move forward with suing them to invoke my rights as a consumer,.

I hereby demand that the aforementioned entry be reviewed and corrected or removed within 15 days from the receipt of this letter. Should you fail to comply with this request and thus further demonstrate negligence in adhering to the FCRA standards, I will have no option but to seek legal recourse for damages as per the provisions of the FCRA.

Please treat this matter with the urgency it requires. I anticipate your prompt compliance and look forward to settling this matter amicably. If I do not receive a satisfactory response by [ date 15 days from sending the letter ], I will initiate legal proceedings without further notice.
Consumer complaint received 2024-09-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (IN)

Filed a complaint with you, # XXXX Now u.s. bank is starting foreclosure proceedings on a balance of {$0.00} from the bankruptcy court. 
The bank has refused the documents from the court. I would like to know why I am going through this excessive stress?
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (OR)

Experian Credit Agency signed me up for a monthly subscription service when I went to them for a free credit report. I was unable to even find out whether or not I had an active subscription from their website, and had to inquire with them via chat and phone. When they confirmed that I was being charged monthly, I asked for a refund of charges because I never signed up for the service. They cancelled the service, but declined to provide a refund.
Consumer complaint received 2024-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

In XX/XX/year>, my insurance company, XXXX XXXX notified me that it was not renewing my insurance policy and many others because of a decision from the state insurance commissioner that it viewed as unfavorable and critical for it to continue doing business in the state. 

I purchased a policy from XXXX that became effective XX/XX/year>, the date my old policy expired. The new policy has a face amount of {$XXXX} and a {$XXXX} deductible, Both amounts are the same as my policy with XXXX XXXX Recently, I received a letter from XXXX stating that it was planning to purchase forced place insurance on my property because the deductible exceeds XXXX  % of the face amount of the policy. Even ignoring the fact that the policy has the same face amount and deductible as my last policy, the letter still doesn't make sense because the deductible is less than XXXX  % of the face amount. 

I stromgly encourage CFPB to open a comprehensive investigation of XXXX 's processes for forced placed insurance. This is the second issue related to forced placed insurance I've enocuntered with XXXX in the past year. I think they deliberately higher poorly educated employees and provide them with minimal training. I believe their goal is to maximize revenue from forced placed insurance.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MD)

XXXXXXXX XXXX is reporting late payment history for XX/XX/year>, i was not able to access the account because it was on a " fraud lock '' I never gave my permission or written consent to allow this reporting, which is of false nature. I disputed with the company directly, but they didnt respond.
Consumer complaint received 2024-09-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AE)

Subject : **Complaint Regarding Incorrect Collection on Credit Report** Dear CFPB, I am writing to formally dispute and file a complaint regarding an inaccurate collection entry that has been reported on my credit report by [ Fair Collection and out ]. This entry has negatively impacted my credit score, and I believe it to be erroneous for the following reasons : 1. **Dispute of Debt** : The alleged debt is either incorrect or non-existent.

2. **No Proper Notice** : I was not provided with proper notification of this debt before it was reported to the credit bureaus.

3. **Violation of Fair Credit Reporting Act ( FCRA ) ** : This entry appears to be in violation of the Fair Credit Reporting Act, which mandates that all information reported to credit bureaus must be accurate and complete. [ 15 U.S Code 1692 ( G ) ] ( 15 U.S. Code 1692 ( c ) I am requesting the CFPB to investigate this matter and take appropriate action to have this inaccurate collection removed from my credit report. This erroneous entry is unjustly damaging my creditworthiness and financial standing.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (NC)

My name is XXXX XXXX and I have a complaint about Wells Fargo Bank, specially my credit card account. I attempted to use my credit card, and it was denied. When I called Wells Fargo the representative stated I was sent a letter requiring I send my last years tax return to continue using the card. I asked multiple representatives why I needed to supply my tax return, and no one could give me a valid answer, including the personnel at the local branch. 

I pay all my bills on time and have an excellent credit rating. To be humiliated for a nonexistent regulation is belittling to say the least. The bank can make up their own rules and demean customers should be illegal. Nothing with terms and conditions when opening this account required that I give my tax return and it seems they are doing something shifty. 
Also, how can they suspend my account if I dont provide them with my tax return? It seems like a scam to me. 


Sincerely Frustrated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX PH : XXXX Email : XXXX Card # XXXX
Consumer complaint received 2024-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: EMG ACQUISITION GROUP, LLC (LA)

I was making payments on time, but they insisted on taking money from my account.then I was hit with an unexpected financial burden .so I had to stop payment, until I could get back on track, but then this month they went into my account unauthorized took the money for my rent and utilities, my untilites are going to be shut off and Im facing eviction
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On my credit report there is an account that is older than 7 years. The account this is playing games and using lack of reporting is XXXX XXXX XXXX In XXXX of XXXX, I had a 30 day late, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX a settlement, then XXXX they reported a CO. I have waited patiently for this to be removed. Due to XXXX not reporting any payment history and just the CO in XX/XX/XXXX they are reporting to the agencies that the XXXX late payment was XX/XX/XXXX, therefore leaving the account on my report. I filed an dispute with all 3 credit reports, XXXX and XXXX removed the file cause they did their job. Equifax just sent them an inquiry on when the last payment was and they again said what they reported XX/XX/XXXX and didn't remove the file. According the Fair Reporting Act, accounts should be removed 7 years after 1st delinquency. This account should be removed and I'd like to formally report fraud and breaking Fair Reporting Act legal statues for Equifax and XXXX XXXX I have a prior credit report, before they removed all the payment history showing the payment history from XXXX to XXXX. I supplied this document to all three agencies. Again 2 of them did their job and removed the file, Equifax is incompetent 's and breaking the FRA legal statue, but not doing their job and asking for proof of 2 year payment history.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (AL)

Regarding act : XXXX Name : XXXX XXXX XX/XX/XXXX I reached out to title max in XXXX XXXX XXXX and spoke to the supervisor and told her I couldn't pay a full payment but didn't want to risk repo, she stated I could do a partial payment on my next pay period and it would be fine that way. XX/XX/XXXX I paid XXXX and called to tell them I'd made a payment, the employee said she had a customer and to call back to let her know I'd made a payment. I called back later the same day and told her I'd made a payment. She never said there was documents when I paid that weren't signed or I'd signed them then. Fast forward to today XX/XX/XXXX they come repo my vehicle over a document that wasn't signed the day of the payment. I spoke to the supervisor who said she was sure she'd told me and I said no ma'am you did not.. I would have signed a document before having my car repoed. I was told now I have 10 days to pay it off and schedule an appt in XXXX, Al which I'll have to also pay to pick up. This is ridiculous and could have been avoided with a little communication. I need this rectified immediately. There was no communication whatsoever between payment date & today other then me calling while vehicle was being towed. I foresee a new lawsuit for this next.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX