davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MI)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-10-16
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-16
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I disagree with the account listed below, which still appears on my credit report. Even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX {$770.00} In accordance with the : Fair Credit Reporting Act, Public law 91-506, Title VI, Section611, SubsectionA-D.

Please provide the names and business titles of each individual with whom you verify the above crucial information with, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Sincerely
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (DC)

On XX/XX/XXXX I filed a dispute with Chime for incorrect billing. 
I was charged {$550.00} when I was suppose to be charged {$50.00}. 
On XX/XX/XXXX I would be eligible for a temp credit. 
On XX/XX/XXXX the day before I would be eligible for a temporary credit I called in and was told I would not be eligible for a temp credit as my dispute type had been charged to non receipt of goods or service 's. 
My claim was changed without my knowledge and it doesnt make sense to change my dispute to non receipt when I stated I was over charged. 
This situation has really put me in a bind.
Consumer complaint received 2024-09-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CO)

My private loan balance is now {$87000.00} with the lender Navient. My student loans consist of two Signature loans- one of {$51.00}, XXXX ( original principal was {$18000.00} ) and the other of {$35000.00} ( original principal was {$13000.00} ) both with a 15 % interest rate. 

I can not make the original monthly payment to Navient as I have been in a financial hardship for years and I can not keep up with the payments as the interest has buried me in these loans and I owe way more that I have borrowed. 

My loan was for the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX in XXXX  and was told in admissions at the school that the degree from that XXXX XXXX XXXX was highly sought after in the worldwide XXXX  XXXX  industry, and especially in XXXX XXXX, I would have no trouble landing a great, high paying XXXX XXXX  job if I completed the course. I learned that this is not true as the degree is laughed at the kitchens I worked. 

A few years ago, it was finally revealed that the for-profit college XXXX XXXX XXXX had nothing to do with the school of the same name in XXXX and that the XXXX XXXX  XXXX purchased the name and began sprouting campuses where they got in trouble and finally went under for misleading promises to students and shady business practices. XXXX XXXX XXXX is now defunct where my XXXX, along with everyone else 's who attended, has no value. 

I have tried to work with Navient with an income-based repayment plans throughout the years and have had trouble fulfilling even that. I asked if I could please place my loans in forbearance, but they say I can not do that. They also state that I do not qualify for any type of forgiveness programs for these types of loans as I have never defaulted and they will take legal action if I do not make the monthly payment they calculate - even though the payment they come up with is more than I can afford. These loans which are being managed by Navient are ruining my life. 

I finally obtained a job with some future promise 4 months ago but still need a financial breather. Navient has made it clear that they can not work with me as I wished to pause my payments until I can get on my feet. I am a XXXX father of XXXX, living in a 2-bedroom apartment, on government food assistance, still can not make ends meet, and am constantly borrowing money from family members each month to survive. 

The constant calls and XXXX  that Navient gives me is harrowing. My health is suffering under the stress and I do not know what is going to happen financially if I can not pay my regular bills and take care of my kids or what this stress is doing to me mentally. I am having trouble providing for my family and I am deeply frightened of the future. 

Please look at the pics I am uploading. Who can afford that?
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-09-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NC)

Between XX/XX/XXXX and XX/XX/XXXX XXXX I received XXXX welcome emails from Chime indicating that I had opened a new account and should be on the lookout for a new debit card soon. 

I've never done business with Chime. 

On XX/XX/XXXX I called to inquire about the account being opened in my name, indicated that any account in my name should be closed since I didn't consent to it, and I asked for a receipt of our conversation. The first representative hung up on me. 

When I called back I was connected to a different representative XXXX XXXX XXXX who said she had no record of my email address being connected to any account. I asked to speak with a supervisor and that request was denied. 

Subsequently I received a XXXX email from Chime to say that my profile had been updated changing my email address on file from XXXX to XXXX. Because of this, I suspect this XXXX company is creating accounts without consent and should be investigated.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PR)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

In XX/XX/2023, I was contacted by a representative of the scam company ( named XXXX ) through XXXX with the intention of engaging in legitimate trading activities. Initially, the company presented itself as a reputable and trustworthy entity, promising significant returns on investment through various financial instruments, including cryptocurrency trading. 
Throughout our interactions, communication primarily took place via XXXX XXXX, being instructed I transferred totally XXXX XXXX  and XXXX XXXX to the scam platforms. All the transactions were facilitated using Crypto.com and XXXX. These transactions were conducted with the expectation of receiving high returns on my investments. 
However, my concerns began to escalate when communication disappeared. Despite numerous attempts to reach out to the company, there has been no response. 
Matters took a concerning turn when I attempted to withdrawal the funds. Instead of facilitating these requests promptly, I encountered a series of excuses, unexplained delays, and requests to communicate with unfamiliar individuals purportedly responsible for facilitating deposits. This prolonged absence of contact and failure to address my concerns have left me deeply troubled and increasingly convinced of the possibility of fraudulent activity. I am gravely concerned about the status and security of my funds, as well as the integrity of the entities through which these transactions were conducted. 
Feeling increasingly suspicious about these escalating demands, I expressed my concerns and requested a refund multiple times. However, instead of addressing my concerns, they simply banned my account, leaving me unable to access my funds.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (PA)

On XX/XX/XXXX cash app sent me an email at XXXX saying my email was unlinked. I did not know that someone got into my account. From New York an hour or 2 earlier and was not notified that someone unlinked my email and my phone number and put their email in phone number. In my cash account period they withdrew {$99.00} at the time totaling {$2700.00}. I immediately once I got the email. Contact the Cash App with no help. No resolve contact the Cash App support. But I had to do it on XXXX and make a call. Because I wasn't able to get back into my account period I have several complaint numbers from various cash at representative. XXXX or XXXX  XX/XX/XXXX I spoke to several representatives. Who said that my Cash App was locked and they were working on the issue. And ask us to speak to a manager in which I spoke too. She assured me that there was a log on my account. And she got me into my Cash App. Finally, when we did, the security measures require me to take a picture of my photo. I. D. A picture of my face.Verify my social security nuthere were different.Emails and phone numbers and XXXX devices that were not mine from new york . We try successfully XXXX XXXX remove the email and the phone numbers and the devices, but it could not be accomplished. And the manager said that she would make a complaint as to why. I could not remove these emails and addresses and devices off of my account and promised to get back to me in 24 hours, which she never did. Period it is now XXXX  and I asked to speak to another manager several times through Cash App support and also calling the Cash App support number.And we finally got into the accon saturday XXXX XXXX and we discover That XXXX additional people we're able to get into my account even with the security lock and freeze and steal additional money while cash app didn't allow me to recover my account. I asked the question if Cash app locked and froze my account due to the hacker theft, how did XXXX additional thieves get into my account when it was supposed to be locked and no one reached out to me. I was told by the manager that she advise I go take a on fraud and I was appalled. At this point they are spinning me around in circles, no one has contacted me about the XXXX other additional people allowed to steal money after the security lock on XX/XX/year>, and XXXX. These people were allowed to usurp the security features I was put through. Please help. XXXX XXXX XXXX XXXX I can't pay my rent or utility bills or have carfare to get my daughter to school and XXXX phone bill and internet is due tomorrow so I probably won't have access to call cash app for the 12th time. Please help. These people are not going to help me. They are angry and don't want to deal with me. I have screenshots and dates and cash app records their calls. I've been told opposing information so many times and the representatives basically hang up on me when I try to get the information
Consumer complaint received 2024-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (CA)

My loan was transferred to Shellpoint and since then I have had difficulty using their online system. I tried to set up the automatic payment and initially system didn't allow. Then I thought the online set up went through. But I got a call from a representative from Shellpoint on XX/XX/year> that I haven't made the XXXX payment. I told her that I set up the automatic payment but she clarified it is not there. Then I made the payment over the phone and the representative confirmed that there won't be late fee. Since then I have called at least 2 more times to remove the late fee but last time I was told that it will be escalated to review. I told them that I was already promised that it would be waived. I have never received any additional communication back from them and this company is clearly taking advantage of the consumer .I would like to request to waive the late fee assessed.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$480.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I am writing to file a formal complaint against Chase Bank regarding a series of unresolved fraudulent ATM withdrawals and subsequent claim denials. I have been a loyal Chase customer since XXXX, since I was XXXX XXXX XXXX and have never previously filed a claim. However, recent experiences have left me deeply frustrated and concerned about the handling of my account. 

On XX/XX/XXXX, my account was compromised with two unauthorized ATM withdrawals, each for {$500.00}, totaling {$1000.00}. I received a fraud alert text from Chase, responded immediately to indicate that these transactions were not made by me, and requested a replacement card on the same day. Despite my immediate response, no replacement card was issued, and no claim was opened by Chase. 

On XX/XX/XXXX, I took the initiative to manually open a claim ( Claim Number : # XXXX ). This claim was subsequently rejected on the grounds that the ATM location was too close to my residence, proving that the transactions were made by me. I faxed over my text response to the fraud alert and my request to close the card, but received no follow-up. When I reached out to the claim department again, I was advised to fax the documents again and wait, but no action was taken by Chase. 

Frustrated by the lack of resolution, I reopened the claim for the same transactions on XX/XX/XXXX ( Claim Number : # XXXX ). Despite uploading proof on XXXX website multiple times, the claim was rejected once more. Chases investigation team claimed that since the transactions required a PIN, it must have been me. They did not address my concerns about how I have the knowledge that someone else could have accessed my PIN or check the ATMs surveillance footage like I repeatedly requested. 

The situation deteriorated further when, on XX/XX/XXXX, I received another fraud alert regarding an {$800.00} withdrawal with my new debit card on the following day on XX/XX/XXXX. I immediately responded " No, '' and went on to lock all my cards, and requested a new card. This withdrawal occurred at the same ATM location as the previous incidents and was made at XXXX PM on XX/XX/XXXX while I was at work with multiple witnesses and company surveillance. 

I initiated a new claim for this XX/XX/XXXX transaction ( Claim Number : # XXXX ). Chase informed me that the withdrawal occurred at the same ATM as before and that the fraud alert was sent after the money had already been withdrawn. I was told that no further action could be taken and that it was entirely up to the claims department, despite my repeated requests for review of the surveillance footage and further assistance. 

I am deeply dissatisfied with Chase Bank 's handling of these issues and their lack of support despite my long-standing relationship with them.
Consumer complaint received 2024-09-14
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (TX)

I am writing to formally dispute the collection account listed on my credit report. I am not liable for this Debt of {$290.00} with HUNTER WARFIELD INC I did not sign a contract with HUNTER WARFIELD INC and I didnt receive Verification of the debt via the original Contract Account number : XXXX I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : HUNTER WARFIELD INC Date of entryXXXX Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. HUNTER WARFIELD INC has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). HUNTER WARFIELD INC is flagrantly disregarding consumer protection statutes. I demand that XXXX XXXX investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.