davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and Jefferson Capital Systems LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the referenced accounts violates my rights. 

15 U.S.C. 1681 Section 602A states that I have the right to privacy and Section 2 states that a consumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions/permission. 

The following inquires are not mine and is a direct result of id theft. I have included a police report and has filed a FTC report showing that my identity has been compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (FL)

Chime refused to credit account back for money I did not use and I told them I want account closed since they could not return money I did not spend and this is on the credit builder card and I have not deposited money due to the fact why should I when if a transaction is not mine they wont return funds. And I asked them to closed and reporting late payments when I asked for it to be closed and removed when they could not give money back.
Consumer complaint received 2024-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (IL)

I applied for a {$350.00} loan by a virtual card through affirm. I was approved after the processing was complete on XX/XX/XXXX. They sent me an e-mail saying I was approved and to keep making payments. There was no link sent or virtual card access to use this loan at XXXX XXXX. They told me to call the XXXX. The merchant stated " we have no idea who Affirm is and we don't provide credit through them. I called affirm XXXX times with each person saying the same thing " you have to wait XXXX hours and the link will be sent to your email. They all acted like they are reading the same script. Basically Affirm steals your money immediately and will not respond. I was told over and over. You will receive a link in email tomorrow. They sent some unresolved response today. The response basically says " loan is approved, now pay it. There are thousands of the same complaints. Affirm believes it has the right to steal from innocent people. My loan amount was {$350.00} I just found out today it XXXX interest on a loan I never received. Affirm runs their Business backwards. If you get a virtual card or loan from any other site such as klarna, pay XXXX, and more they return your unused amount. Affirm steals your money and puts you through he.. that's theft and deceptive practices. I want this resolved ASAP. I'm infuriated. They should never takes someone's money without providing a way to use a loan they approved. I never even received the amount of interest on this loan until today XXXX on Friday. They need to refund the money they took out and cancel this debt. No way can it be legal for them to keep your money and charge you for a loan you never received. I will not give up and I will reach every resource I have. If that includes my brother who is a lawyer he will sue them. Please help.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I mailed a check at our local XXXX XXXX XXXX XXXX on XX/XX/year>. It was payable to the XXXX XXXX XXXX XXXX XXXX in the amount of {$XXXX} and was for our annual property tax assessment. 
On XX/XX/year>, I received a notice of delinquency from the Tax collector 's office informing us of a past due amount of {$XXXX} plus penalties of {$XXXX} which I subsequently paid to avoid further penalties.. i On XX/XX/year>, I checked the the image of the cashed check and saw the payee was somehow changed to " XXXX '' and cashed somewhere without my knowledge. 
On XX/XX/year>, my XXXX  filed a police report at the XXXX XXXX XXXX ( Case # XXXX ) and was informed that other victims of fraudulent check cashing had filed similar complaints recently and that the responsible parties, including an employee of the XXXX XXXX XXXX XXXX was apprehended and fired. 
We were told to file a claim with the Inspector General, which we did ( Case # XXXX ), and notify our bank ( JP Morgan Chase ) of the situation, which we did also on XX/XX/year> ( Claim # XXXX and XXXX ).. 
After submitting numerous forms to our bank and weekly phone calls, we have yet to receive reimbursement from anyone..
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I have been getting calls from two ( 2 ) individuals saying they are from the Consumer Protection Bureau in regards to a credit card application that is pending in XXXX, TX. The two individuals used the following identification XXXX ( no name given ) ; and XXXX XXXX XXXX. The caller indicated that a credit card application was pending and started to set in motion some type of secure protocol but suddenly hung up. I looked at XXXX to check on the card from Bank of America. I have no business with Bank of America that I know about. The individuals that are calling is hard to understand what is being said completely. Plus, I have had no business in the XXXX area for any reason. I received XXXX call on XX/XX/year> and today, XX/XX/year>. This last call came from Indiana - XXXX. Each call has hung up in the middle of the call for some reason. loa...
Consumer complaint received 2024-09-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (KY)

I opened a new saving account on XXXX, with the promotional code XXXX. I reached a {$25000.00} balance by XXXX and maintained that balance through XXXX. According to the promotion, I should have given the XXXX bonus within XXXX days. I double checked with the banker via email ( attached ) on XXXX to confirm the eligibility. On XXXX, I called US bank customer service to enquire about the status, the banker over the phone also confirmed my eligibility once again and initiated an internal request of the bonus transfer. I did not receive any further feedback from US bank, therefore I called again on XXXX and were explained the first time that I was not eligible for the bonus due to the definition of New Fund is not met. I filed an official complaint and requested a written reply on why XXXX bankers confirmed my eligibility and XXXX rejected. On XXXX I called US Bank customer service as I still did not receive any written feedback. Over the call, I was informed that there were no complaints previously filed and US Bank will not be able to provide any written feedback due to internal policy. Therefore, I would need the assistance of CFPB to investigate the case.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CCS Financial Services, Inc. (GA)

XXXX XXXX as for a purchase agreement to validate the account no respond XX/XX/XXXX XXXX ask for a purchase agreement to validate the account no respond XX/XX/XXXX XXXX purchased agreement to validate the account no respond
Consumer complaint received 2024-07-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (FL)

Conns home plus has been calling me relentlessly for 3 days. I spoke to them on thursday and told them ill make my payment when i get paid on XX/XX/year>. On saturday XX/XX/year> they called me XXXX times from XXXX to XXXX and 4 times from XXXX to XXXX. I spoke to them on the XXXX call of the day i told them i was at work anc could not speak today and informed them not to call me again this day. They hung up on me and continued to call an additional XXXX times from XXXX to XXXX. The XXXX in XXXX rules is XXXX calls in 7 days and no calls for 7 days after contact was made which was on XX/XX/year>. This is harassment and is interrupting my work this must stop. I asked them to stop and they have refused. I have attacked a screen shot of their calls to me for XX/XX/year>. There were XXXX calls on friday XX/XX/year> and have already been XXXX calls today XX/XX/year> and its only XXXX.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am XXXX XXXX XXXX. I have never had a car or owned a car, I have never had a house or utilities under my name, I have never had a loan, or mortgage, or any type of credit card. The only bank Ive ever had was XXXX and I know I was negative there one time like {$400.00} thats it and I had one other bank which was XXXX and was negative but paid the negative balance then closed my account! I also never graduated high school so any loans in my name of any kind or trying to get a loan are false and incorrect. I lost my wallet more than three times in three years and Im sure someone has hacked my identity and I dont even know how to report it but recently Ive wanted to look at my credit and to see about how to improve it but I see all these inquiries on here and I have no idea where they are all coming from I live in XXXX ohio XXXX XXXX Ohio was my address as a minor along with children services, and as an adult Ive been on the streets or in and out of hotel rooms or with friends in Ohio but no where else. Please find out about helping me please and help get my identity back please
Consumer complaint received 2024-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (SC)

On XXXX XXXX my husband took me to XXXX XXXX XXXX, as I was experiencing XXXX XXXX XXXX XXXX XXXX. I was given and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and was told to follow up with my XXXX XXXX XXXX XXXX I am currently paying that bill for {$1000.00} in monthly payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the amount of {$88.00} / Month. I have paid {$350.00} so far, it is XXXX out of my bank account. 

I started receiving bills from XXXX XXXX XXXX, I have never been there however my XXXX was whom deceased 3 years ago. I called the number on the bill from the XXXX  and explained that I was not there, the date was the same as the date I was treated and the XXXX XXXX XXXX, how could I be in XXXX places at the same time. They said they would note this. Approximately XXXX weeks later I received this letter from XXXX saying that I owe {$2000.00} - creditor listed is XXXX XXXX XXXX XXXX XXXX?. When I contacted the number on the UCB letter She said yes you were there we have you there, so I said let me see my admission, signature etc that they should have on file, she stated to send proof that I was not there to an email - XXXX. I said all I have is my XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  at XXXX XXXX. This is extremely worrisome to me, not only for my XXXX XXXX but that I XXXX be the victim of a scam.
Consumer complaint received 2022-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I just received notice from Navient that my student Loan payment for almost the last 20 years was too high, and as such my amortization was off schedule and would payoff years ahead of schedule. Next month the payment will reduce by more than 1/3 from {$330.00} to {$210.00}. Obviously that reduction is welcome news, for which I am most grateful. My complaint is that for almost 20 years Navient has inappropriately and in breach of the payment terms ( not matching the amortization schedule ) been enriched by a payment which was greater than what it was entitled to, AND meanwhile I have carried higher interest balances which I would have happily used that money to reduce balances ( which I will now do ) had I been given the option. 

I ask that Navient return to me the time value of money at the rates that I have been paying for all of these years. I carried an XXXX balance above 20 % for a long time, I had a second mortgage which I refinanced more than once with a rate above 10 %, I have taken cash advances countless times at high fee. 

All of this to say, just reducing my monthly payment does not right the wrong that has existed for almost 20 years. That wrong should be righted.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (MS)

I AM FILING A COMPLAINT AGAINST ROBINHOOD INVESTMENTS. ROBINHOOD HAS PLACED A RESTRICITION ON MY ACCOUNT AND WILL NOT GIVE ME A REASON AS TO WHY OR ANY ANSWERS IN REGARDS TO THE RESTRICITION.

I HAVE AN OLD BANK ACCOUNT THAT IS STILL ATTACHED TO MY ROBINHOOD ACCOUNT THAT I HAVE MADE SOME TRANSFERS FROM ( SOME INTENTIONAL AND SOME ACCIDENTAL ) SOME TRANSFERS CLEARED, SOME DID NOT CLEAR DUE TO FUNDS BEING TAKEN OUT OF THE ACCOUNT FROM XXXX SEPARATE COMPANIES THAT I HAD REQUESTED STOP ACH WITHDRAWALS THAT CONTINUED TO DRAFT MY ACCOUNT CAUSING SOME OF THE TRANSFERS TO RETURN ( I CAN PROVIDE DOCUMENTATION WHERE I STOPPED ACH PAYMENTS WITH THESE COMPANIES BEFORE THEY CONTINUED TO TRY TO DRAFT THEM OUT OF THE ACCOUNT ) I ALSO HAVE A DEBIT CARD THAT IS CONNECTED TO A BANK ACCOUNT THAT WAS LOST AND REPLACED. I SENT ROBINHOOD A LETTER FROM MY BANK STATING THAT THE DEBIT CARD WAS REPLACED AND BOTH CARDS WERE CONNECTED TO MY MAIN BANK ACCOUNT.

HOWEVER, ON THIS SPECIFIC DAY THAT ROBINHOOD PLACED THIS RESTRICTION ON MY ACCOUNT, ALL FUNDS WERE SETTLED EXPECT FOR {$1000.00} THAT WAS NOT USED DURING THIS TRADING DAY. I HAVE THE DOCUMENTATION SHOWING THE BUYING POWER NOT BEING USED WHICH MEANS THE BUYING POWER THAT WAS USED WAS ALL CLEARED AND LEGIT FUNDS..

I HAVE SUBMITTED BOTH BANK STATEMENTS TO ROBINHOOD, A LETTER FROM MY BANK, A SCREENSHOT FROM MY BANK SHOWING WERE THE LAST DEPOSIT WILL CLEAR AND THE FUNDS WERE THERE WHEN THE TRANSFER WAS MADE. THEY REQUESTED A STATEMENT FROM MY DEBIT CARD WHICH I HAVE NEVER EVEN HEARD OF. THE DEBIT CARD IS CONNECTED TO MY BANK ACCOUNT THAT I SUBMITTED TO THEM AND THAT MY BANK PUT ON THE LETTER THAT I SENT OT THEM I CAN NOT GET ANY KIND OF ANSWERS FROM ROBINHOOD IN REGARDS TO MY ACCOUNT OTHER THAN " IT IS UNDER REVIEW '' I CAN NOT SPEAK TO A REPRESENTATIVE HANDLING THE FILE, I CAN NOT GET ANYTHING FROM THEM OTHER THAN A GENERIC EMAIL. I HAVE BILLS THAT NEED TO BE PAID WITH THIS MONEY THIS WEEK AND ROBINHOOD WILL NOT GIVE ME ANY DIRECT ANSWERS. DESPITE THE PROFITS I MADE ON THIS ACCOUNT ON THIS SPECIFIC DAY, THE FUNDS THAT WERE IN THE ACCOUNT WERE CLEARED AND LEGIT FUNDS THAT WERE FROM MY MAIN BANK ACCOUNT AND DEBIT CARD. I HAVE READ MULTIPLE STORIES ONLINE IN REGARDS TO THE SAME ISSUE WHICH IS HOW I ENDED UP HERE FILING THIS COMPLAINT. I AM TERRIFIED THAT ROBINHOOD IS GOING TO RESPOND AND TELL ME THAT THEY CAN NOT VERIFY THE LEGITAMCY OF MY FUNDS LIKE THEY HAVE DONE TO THOUSANDS OF OTHERS AND CLOSE MY ACCOUNT. I DO NOT CARE IF THEY CLOSE THE ACCOUNT, I WANT MY FUNDS RELEASED TO ME FOR WITHDRAWAL.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (FL)

In XXXX I got a credit card and making my monthly payments on time, but in XX/XX/XXXX, because of the COVID-19 pandemic, I lost my job. I was XXXX XXXX XXXX XXXX XXXX prior to the pandemic but I couldn't go to work because my clients were old and were scared to catch this new disease. I contacted the bank to arrange the payments, but they did not agree to help me. 7 months ago, my husband was diagnosed with XXXX, and he has not been working since then. The bank sold my debt to a law firm and they want to send me to court in XX/XX/XXXX. I want to pay my debt, but I only can make little payments because my financial situation.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, MIDLAND CREDIT MANAGEMEN, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX 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 have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Sunlight Financial LLC (TX)

I'm refinancing and the company with that is doing a great job. However, the company that has a XXXX  filing on my home is nonresponsive to a request for subordination. The request is now a month and a half old. That company is Sunlight Financial. Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

unable to access my banking. As a XXXX person USAA say there are no chat representatives available. 
this is a continual problem. 
they do not make accommodations for XXXX customers. their XXXX access help does not exist. WHEN i have reached chat agents they say there is XXXX protocol for XXXX customers. 
but now every time i tery to access chat it is blocked or unavailable for me.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.