davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

My last payment made to my credit card account at XXXX XXXXXXXX XXXX was XXXX XXXX, XXXX. They closed my account between the dates of XXXX XXXX, XXXX and XXXX XXXX, XXXX. The balance on the account at the time was {$400.00}. I have documentation proof of that was well which I will upload. On my credit report, they only report the account as being closed in the comments but are still showing the account as being open in the pay charts. I never made any payments after XXXX XXXX, XXXX, but yet they are reporting I made payments in XXXX and XXXX in order to continue increasing my balance to obtain more money from me. Now they are reporting my balance to be {$630.00}. How can a closed account continue to gain interest or whatever when the account is closed. Every other account I have that closed, is the balance never increased. If I was late they reported it and I get and understand that but increasing a balance is wrong when the account is closed. Ive disputed this information with the company back in XXXX to fix the issue and was told they would but nothing was done about it. I even disputed the information with the credit bureaus along with the documentation I have and they continue to report the information as being accurate and it clearly is not.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (WV)

At approximately, XXXXXXXX XXXX  I received a call from a woman who identified herself as XXXX from Chime Support. The phone number did register as Chime Support on my caller ID and the number was XXXX. Since I had dispute currently pending with Chime Bank because of fraud on my credit builder card, I answered the call thinking it was in regards to that issue. XXXX asked me to verify my account info and the email to my account. While I was on the phone discussing the fraud on my card the previous week, an unknown individual made 2 wire transfers on my account using Chime 's Pay Anyone feature which allows for instant wire transfers. One transaction went to XXXX XXXX for {$2500.00} and the other went to XXXX XXXXXXXX. At no time did I receive notification from Chime about the transactions until after all my money was drained from checking and savings account. I reported the theft immediately to Chime and opened up a dispute. I was told by a Chime Rep that I would need to file a police report which I did and allow Chime to do their investigation. 

Later that afternoon, I researched the Chime 's Pay Anyone feature and called Chime Dispute Support again, as I learned that the money drained from my account was actually in 2 Chime accounts and I didn't understand why they couldn't close those accounts down and give me back my money. If an individual has n $ in front of their names in the Pay Anyone feature, that means that their account is a Chime Account. Andie from Dispute Support confirmed that yes, my account was hacked and yes, the money was indeed stolen by 2 Chime Accounts but yet their was nothing that could be done to help me. She had no answer as to why Chime would allow fro instant transfers of large amounts of money with getting any verification or notification from me. Chime never attempted to call me about the fund transfers and my money was gone in 2 minutes.
Consumer complaint received 2023-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SANTANDER HOLDINGS USA, INC. (PA)

On XX/XX/XXXX, I was approved for a XXXX personal loan from Santander Bank ( loan # XXXX ). Since I didn't hear from anyone on XX/XX/XXXX I called the number on the initial correspondence XXXX XXXX  XXXX At that time i was advised that my loan processor was XXXX XXXX XXXX. After speaking with XXXX XXXX, he requested my drivers license and my passport which I scanned for him. After that date I didn't receive any return calls. On XX/XX/XXXX I again called and spoke with XXXX XXXX who stated that I would have to re-submit my credentials, which I did again. 
After receiving no call back on XX/XX/XXXX I called and spoke with XXXX who stated she will let XXXX XXXX know that I called. No call back. 
On XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX XXXX after I initiated the calls. 
On XX/XX/XXXX I spoke with XXXX XXXX stated XXXX XXXX was not available. 
On XXXX and XXXX I complained to XXXX about no calls from XXXX XXXX and they hung up the phone. 
On XX/XX/XXXX, I received an email that XXXX XXXX withdrew my loan application without consulting with me or explaining the reason. 
I then went to my local bank and was told that they can get me a loan at 11.74 % which is a payment of more than XXXX per month. 
BAIT AND SWITCH!!!!!
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (MO)

Privacy and confidentiality under 15USC 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 has 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may makes 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my foderaly protected consumer rights to privacy and confidentialily 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 804 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writien instructions | 15 U.S.C 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse lom of informetion, other than records of convictions af crimes which antodates the report by more than XXXX years. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (TX)

From the end of XXXX ( When I no longer had a cell phone ), I tried to get my password so I could get into my online account at Chime. I kept getting asked for copies of my drivers license, a picture of me holding the license and a piece of paper with the current date on it, and something else I do not remember at this time. Not having a phone I could only take and send pictures with my Laptop computer. Chime kept complaining the pictures were fuzzy, try again. This went on and on. All I wanted was to get into my account so I could see what was happening. Finally, at the end of XXXX, some kind woman said she could not get me in but if I used a different email address she would be able to get me in that way. I came in with a new address and checked my account which I had not gotten to before and saw a bunch of charges I had not made. This was, by now, XX/XX/XXXX. I called them into Chime and they said they would check them and I should have an answer by XX/XX/XXXX. I am not in a position where I can afford to wait XXXX months for money stolen from me with Chime 's help. They know I couldn't make those charges because they were all made before I had access to my account. And Chime gave them permission to do so. Normally, when I charge anything, Chime sends me a text asking if I made the purchase and I have to answer yes or no. Since I didn't have a cell phone they could not text me and just XXXX 'd every thing. So I am now paying for charges for a phone service I never heard of, for XXXX deliveries by XXXX XXXX  and XXXX XXXX. I There were charges for thing completely out of reason for me to buy even if I could use my account and they know I couldn't use it. I keep calling and telling them I need the money now and they keep telling me XX/XX/XXXX. My auto insurance was cancelled because it is an automatic monthly deduction and there was no money there to pay it. I am now getting letters from other automatic deduction companies wanting their money and I don't have it. My refrigerator and pantry are empty and I will have to go to the food bank on Saturday, but starve until then because I have run out of cash. All I want is the money stolen from me, returned to me NOW.
Consumer complaint received 2023-06-19
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: WELLS FARGO & COMPANY (MS)

In accordance with the fair credit reporting act XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act Wells Fargo Card Services has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 
15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (IL)

XX/XX/XXXX On XX/XX/XXXX I received a letter via postal mail stating my Mortgage would be transferred From Guaranteed Rate in Illinois to a Guaranteed Rate Servicing in XXXX, XXXX My mortgage payments are due on the XXXX of each month. Therefore, I sent a payment in the amount of {$1000.00} on XX/XX/XXXX via the new mortgage company address and account number information included in the letter. This payment was made from my bank to Guaranteed Rate Servicing via Bill Pay on XX/XX/XXXX. 

On XX/XX/XXXX, I get an email from Guaranteed Rate stating that they made a mistake and that my new welcome letter received at the end of XXXX was inaccurate. This email provided me with a 2nd New Loan Number and it stated I did not need to take any action and that no late fees would be added until 60 days after the Mortgage Transfer.

Please note that per the last customer service rep at Guaranteed Rate told me I was being charged a late fee for XXXX even though the letter stated by law there is a grace period. I need this charge refunded for XXXX 2023 monthly payment. 

The payment of {$1000.00} sent on XX/XX/XXXX has cleared my bank account, therefore I contacted Guaranteed Rate to confirm my payment was applied to the correct account and was told they dont see the payment to for me to email their support team with documentation. 
On XX/XX/XXXX the email as sent with the documentation requested, only for me to get a response on XX/XX/XXXX asking for documentation. As of today XX/XX/XXXX at XXXX I have emailed the support team the documentation they requested. I went to the bank at XXXX XXXX XXXX XXXX in XXXX to get a print out of the payments and this is the documentation sent to the guaranteed rate. 

On XX/XX/XXXX I made a partial payment of {$420.00} to bring my account current and on XX/XX/XXXX Guaranteed Rate returned my payment back to my bank with no reason or explanation. They are constantly harassing me but NOT ONE PERSON IS willing to HELP. I also emailed the print out of this transaction to Guaranteed Rate Support team on XX/XX/XXXX @ XXXX. 

This mortgage company has lost {$1000.00} and returned another {$420.00} totaling {$1400.00} PLUS LATE FEES FOR XXXX. They are constantly harassing me, however if they keep returning and losing my payments WHY would I keep sending them money until the problem is resolved. Based off the letters and emails, it sounds like I dont have an account number or multiple acct numbers or my funds are being applied to another account. Either way I need assistance in a proper resolution with my money being applied properly and for my payments to stop being returned and I am due a credit for XX/XX/XXXX late fee. 

Thank You,
Consumer complaint received 2016-03-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Adjustment Service, Inc. (TX)

The company, diversified adjustment has reported to the credit agency XXXX in the amount of XXXX this is a violation of the FCRA. this company has never notified me of any debt, I still have no idea who they are and why they are on my credit report.
Consumer complaint received 2015-10-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caneel Capital, LLC (TN)

My client received a good by letter from a Trinity Financial Service. His loan is originally with XXXX. When we contacted XXXX they confirmed the loan had not been sold the loan and the letter received seems to be a scam. Please see attached the good by letter from Trinity financial Service.
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NY)

To whom it may concern : I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to file this formal complaint to TRANSUNION. I contacted them last XX/XX/XXXX, regarding the inaccuracies in my report. I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/XXXX, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. I have contacted them several times but I received no response from them. This account should be remove immediately. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I had a monthly bill of {$210.00} due on my Bank of America Visa card. On XX/XX/2023 I made a payment from our Bank of America checking account in the amount of {$20000.00} instead of {$210.00}. On XX/XX/XXXX I immediately recognized my error and contacted the bank. The bank said that they could see the error and would refund the over-payment via check in 10 business days. 10 business days came and went and we did not receive a check. We called again and were told that they were working on it and would give us an update in 2 business days. We called again in 2 business days and were now told that they would ACH the funds back to our checking account, the account where the payment was made from, and that would take 3 business days. 3 business days went by and no ACH refund was made. We called again last week and were told that they were still working on it and we would be contacted by a " case manager '' on Friday XX/XX/XXXX. We were not contacted by anyone at Bank of America. As of today our credit card still shows an over-payment ( credit balance ) of - {$19000.00}. Every time we call Bank of America we are either told that they are working on it or we will get a refund shortly, which has not happened. We are now one month in from when the over-payment was made and the bank is still holding onto {$20000.00} of our money and we need it back.
Consumer complaint received 2024-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

Dear Southwest Credit Systems / Sir/Madam , I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. A full account history, including all related charges.

Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand the immediate removal of this fraudulent account and a prompt resolution of this matter.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (AR)

On XXXX I filed a complaint with the CFPB about AMEX reporting information on my credit report that is not mine. I attached the Police report and FTC report. The complaint ID numbers are XXXX, XXXX and XXXX Please view for attachment purposes. On XXXX They responded by sending an agreement attachment. The attachment will be upload. The attachment has the address spelled wrong and left off my prefix. which I never do. My name is XXXX XXXX XXXX. It has no signature and the complaint was closed. I am distressed that AMEX have included the information on my credit profile and that thay have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the accounts be verified or removed immediately
Consumer complaint received 2023-08-21
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. (TX)

n accordance with the Fair Credit Reporting act 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  has 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 a account without my written instructions