davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (SC)

My chase bank checking account was charged {$60.00} from XXXX. I have not purchased anything from XXXX. Ive contacted Chase about it and they are sending me a form to sign through mail but have not reversed the charges. I have had another incident where I was charged three times from a XXXX XXXX in XXXX. I live in XXXX XXXX. Make this make sense. The hacker sent something to a midwestern state. Chase did not fight for me and I was still responsible for {$100.00} for something that I did not receive and never ordered in the first place. I am contemplating moving my money to a different bank simply because this is an ongoing incident, there are apparently no protocols or protection for consumers from Chase bank, and then even when your information is stolen, Chase does nothing to help.
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge PIte Haan, LLP (GA)

I asked for proof of a debt Validation letter. I sent them a affidavit of truth and claim of rights letter. I also requested a 1099-c form. And a notification of default failure to honor.
Consumer complaint received 2024-10-09
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: TOYOTA MOTOR CREDIT CORPORATION (AZ)

XXXX XXXX XXXX do hereby request that your office provide me with complete documentation to verify and validate the account referenced above. As I want to resolve this matter as soon as possible, I am initiating this private, administrative remedy to determine such matters, predicated upon your proof of claim. The necessary Proofs of Claim are set out below, to wit : 1. A
contract between TOYOTA and XXXX XXXX XXXX XXXX Who in your company verified these accounts? 
3. How did they verify them?

4. Please provide me with the name of the individual, business address of the person or business contacted during your re investigation.

5. Include the documentation that was used to verify the dispute
Consumer complaint received 2024-10-09
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: Early Warning Services, LLC (AZ)

XXXX XXXX XXXX  do hereby request that your office provide me with complete documentation to verify and validate the account referenced above.

As I want to resolve this matter as soon as possible, I am initiating this private, administrative remedy to determine such matters, predicated upon your proof of claim. The necessary Proofs of Claim are set out below, to wit : 1. A contract between EARLY WARNING and XXXX XXXX XXXX 2. Who in your company verified these accounts?

3. How did they verify them?

4. Please provide me with the name of the individual, business address of the person or business contacted during your re investigation.

5. Include the documentation that was used to verify the dispute
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (KY)

XXXX Email from XXXX {$40.00} reward certificate when you activate and make at least 3 recurring transactions on your Card outside of Best Buy by XX/XX/year> The recurring payment examples given : Utilities, Internet, streaming sites, memberships ( car insurance, wholesale club ) Activated the promo on the same day. 
" Rewards will post to your loyalty account 3-4 weeks after qualifying recurring payments have been posted ''. 

Here are the recurring payments XXXX, XXXX {$25.00}. 
XXXX, XXXX XXXX XXXX {$48.00}. 
XXXXXXXX XXXX {$1.00} It is now 7 weeks. Still no promotional certificate received. 
XXXX It is now 4 weeks since the XXXX qualifying purchase. Emailed. 
XXXX Emailed again! 
XXXX Called, CS said their internal team need to investigate. Wait 7 days, they will email me the result. 
XXXX Emailed again. 
Also called Citi, CS submitted my concern to their own team XXXX Emailed again, asking for the investigation results, as it is now over 7 days.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: Shellpoint Partners, LLC (IL)

I have been trying for months to have Shellpoint change the mailing address through the XXXX Finally on XX/XX/2024, Shellpoint replied stating that. yes, they have made a mistake and finally changed the mailing address. The problem that I have is that for all those months Shellpoint has been sending statements with account information to an OLD attorney, who no longer represents me, and who's office has been CLOSED for quite a while. 

I had responded to the XXXX asking for Shellpoint to give me XXXXXXXX XXXX for 5 years due to Shellpoint 's lack of information security. The XXXX has closed this matter without resolution in this matter and will not resolve it. 

I am including the page from the XXXX showing that Shellpoint as admitted to the mistake and that Shellpoint has not tried to fix the problem other than to finally change the address. I would like to have this matter completely fixed with 5 years of XXXXXXXX XXXX. This way I can be certain that my information remains safe because of Shellpoint 's lack of securing customer information. I still have not received any of those statements back. Shellpoint has not responded as to where they are or have ended up.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

I open up my account XX/XX/XXXX with {$100.00} deposit shortly after I connected my account to my job XXXX  XXXX  XXXX  where I get paid once a week XX/XX/XXXX of the positive XXXX XX/XX/XXXX at deposit of {$210.00} XXXX the XXXX a deposit of {$340.00} XXXX the XXXX deposit of {$370.00} XX/XX/XXXX at deposit of {$110.00} XX/XX/XXXX of the positive {$88.00} XX/XX/XXXX a deposit of {$320.00} XX/XX/XXXX I deposit out of XXXX XX/XX/XXXX I deposit XXXX XX/XX/XXXX or deposit of {$370.00} XX/XX/XXXX I deposit of {$330.00} XX/XX/XXXX and deposit of {$45.00} XX/XX/XXXX a deposit XXXX XX/XX/XXXX a deposit of XXXX {$64.00} XXXX XX/XX/XXXX a deposit of {$1200.00} XX/XX/XXXX and check deposit of {$400.00} that I got from my neighbor also another check deposit of {$350.00} that I also got from my neighbor XX/XX/XXXX a credit of {$190.00} was credited back to my account on XX/XX/XXXX a check return for {$350.00} was placed on my account XX/XX/XXXX I have a balance of {$550.00} in my account a hold was placed on my account for breach of contract they didn't explain to me what that really meant I was questioned about the XXXX deposit and the XXXX deposit I explained to the person that my neighbor bought lawn tools for me a lawn mower for {$400.00} and a blower for XXXX XXXX XXXX in my neighbor for XXXX  years his daughter is my ex-girlfriend he wrote the checks to me to put into my account when I explained to him about the XXXX bouncing he showed me that the check did not bounce and it was deducted from his account he also have written statement showing it XX/XX/XXXX I was mailed to check for {$83.00} from Sofi which left the balance of {$460.00} in my account is XX/XX/XXXX I still have a balance of XXXX and XXXX cents in my account that I still do not have access to because the freeze is still on your account for over 2 years with no explanation why my XXXX XXXX  XXXX will testify in my behalf I also had overdraft protection on my account to cover any mishaps such as this but they still was determined to close my account
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX  - XX/XX/year> XXXX
Consumer complaint received 2024-10-09
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: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage Services reported a 60 day late-payment to the three credit reporting agencies ( XXXX, XXXX and XXXX ) for the month of XXXXXXXX XXXX. I was advised numerous times by Shellpoint advisors and supervisors that due to my loan being transferred to Shellpoint on XX/XX/year>, the first payment was due by XX/XX/XXXX ( 60 days from RESPA + 15 days for a grace period for the month of XXXX ). I had brought my account up to date by making three payments for the months of XXXX, XXXX and XXXX on XX/XX/XXXX ( within the time which Shellpoint representatives had told me ). One Shellpoint representative had specifically stated this on a call dated XX/XX/year>. 

My account was paid in full within that time period and I am requesting the reported late payment to be removed due to the guidance of Shellpoint representatives. 

This is incredibly urgent as I am refinancing my loan this week and am unable to move forward until this is resolved.
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (FL)

Dear Sir/Madam, I am writing to formally lodge a complaint against an individual named XXXX XXXX his ID card number : XXXX XXXX XXXX Partner XXXX XXXX XXXX who has committed fraud by pretending to be a wholesaler in XXXX XXXX but he did fraud by sending counterfeit products to my XXXX XXXX  and now my XXXX account has been suspended and my funds has been hold. 

I was approached by this person, who claimed to have legitimate products to sell on XXXX. Trusting his representation, I paid him {$500.00}. Unfortunately, upon receiving the items, When I attempted to sell these items on XXXX, I received a complaint from the legitimate brand owner, which forced me to halt sales. As a result, I am left with inventory sitting in the XXXX XXXX, which I can not sell. 
Despite numerous attempts to contact this individual, who is based in XXXX, he has refused to take back the counterfeit items or return my money. Furthermore, he has blocked me on XXXX, preventing any further communication. Now my XXXX XXXX  account has been suspended and my funds has been on hold. I requested them to send me invoice and brand letter but they did not respond so I believe they are selling counterfeit. 

I believe these two individual is running a scam operation together with his partner who is receiving money through his bank and selling fake products to multiple victims. I urge the Authority to investigate this matter and take appropriate action. I request that you help facilitate the return of my money or the removal of the counterfeit products from my inventory. 
Thank you for your attention to this serious matter. I look forward to your prompt response. I send money to XXXX XXXX XXXX Transferwise account number : XXXX Routing Number : XXXX his bank account email : XXXX XXXX  tracking ID : XXXX They send goods via XXXX to my XXXXXXXX XXXX XXXX You can trace their location from XXXX tracking. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-09-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (CA)

" XXXX XXXX '' XXXX XXXX is calling my friends, family, employer and extended family telling them they are trying to locate me regarding a lawsuit. 

I called and spoke with XXXX, she claims it's not them calling but a 3rd party location processor hired by the State Of California. 

They said I have a case # XXXX from LoanMe.com which they now own and are trying to collect on. She refused to give me the company address or information. 

LoanMe had / has my current address, phone number and e-mail address. They were also notified in writing to only contact me not my family or employer. 

XXXX is harassing me by unnecessarily contacting people not involved and giving them inaccurate information about me and a lawsuit.
Consumer complaint received 2024-10-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (NY)

In XXXX, Credit Acceptance financed my vehicle at the time, and I was behind two payments, so they took the car and told me that I had to pay the two payments to get it back. I went to XXXX XXXX, where they took the car and made the payments, but because I didn't have plates on the car, XXXX couldn't tow the vehicle back to my house. I then left XXXX XXXX to go back home ( to the XXXX ) to obtain a tow truck. Once I did that, I returned to XXXX to get my car, which was gone. I contacted Credit Acceptance immediately to find out where my car was, but they had no answers. I kept calling them, and they just kept telling me that if I wanted my car back, I had to pay the balance of the vehicle in full, and they refused to acknowledge that I had just sent them two payments that they asked for. After this, I haven't heard from them for quite some time. Then, on XX/XX/year>, my former employer notified me that they got a letter for me from the XXXX XXXX in XXXXXXXX XXXX and another from the law firm of XXXX XXXX XXXX XXXX XXXX, XXXX, stating that they were going to garnish my wages for a debt owed to Credit Acceptance of {$4300.00}. They never sent me any correspondence to try to settle the debt for years, and now, they are here. I don't appreciate the tactics they're trying to use to pay this debt. Are you just going to take my paycheck without telling me? I need help with this situation. I see that there was a lawsuit against CA for how they operate. They need to be stopped because this is crazy.
Consumer complaint received 2024-07-08
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: Experian Information Solutions Inc. (CA)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-10-09
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: CREDIT ACCEPTANCE CORPORATION (DE)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX  Laws Dear CREDITACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws, specifically under XXXX  statutes .

It has unequivocally come to my attention that CREDITACPT has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, XXXX XXXXdentity theft laws highlight the importance of consumer consent and the protection of personal information. The XXXX Identity Theft Protection Act, codified under Title 6, Chapter 12B of the XXXX  Code, emphasizes the protection of consumer information and prohibits unauthorized access or misuse of such data. Any unauthorized reporting or misuse of my personal information not only violates federal FCRA provisions but also infringes upon the consumer protection standards enforced under XXXX law. 

I assert with unwavering certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDITACPT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDITACPT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TN)

My account in CitiBank was blocked in XXXX XXXX, I noticed until XX/XX/XXXX, Citi said XXXX can unblock my account once I receive a physical letter to do a verification, nothing arrived after XXXX times, XX/XX/XXXX I decide open a complaint with cfpb, complain number # XXXX. Citi Bank answered to this complaint on XX/XX/XXXX saying my account it is going to be close in XXXX days, they can reserve the reasons to close the account. 
I have been called Citi since that notice like 4 times, every time I have receive a different answer, between XXXX, XXXX and XXXX I receive different information like : - I need to wait 30 days to see if the account it is closed. 
- I need to wait 60 days to see if the account it is closed, even in this time the person told me I will send you physically your statement because you can not access, I receive in home my statement from XX/XX/XXXX - XX/XX/year>. 
- I need to wait after 60 days period, XXXX business days to get a notification that my account it is closed and a check with my money. 
Today, I receive the message ( again since XXXX ) that I need to wait a physical letter, I called twice and both times they said I need to wait a letter. 
I do not understand how that physical letter never arrives, but I have received promotions from Citi saying I can get a card associated with XXXX.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (GA)

Marcus is actively trying to prevent my wife and I from closing our accounts and accessing our funds. We have authorized our new bank to process the funds and Marcus is actively putting holds on our accounts and refusing to let us close them inclusive of clawing back funds. Marcus even tried to call me to find reasons to prevent it and opened the call informing me Im on a recorded line without asking for my consent first. I would like my accounts closed ASAP
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

XXXX TRIED TO SPEAK WITH ACCURACY AND NOT BE NEGATIVE BUT XXXX THE ACCOUNT MANAGER KEPT PUSHING AND THREATENING WHEN I ASKED COULD SHE VERIFY THE DEBT. I ASKED QUESTIONS ON RECOREDED LINE AND SHE REFUSED TO ANSWER AND DID SAID PUT HER ON HOLD TO CALL ORIGINAL DEBTOR. SHE ALSO SAID SHE SENT A CERTIFIED LETTER NOTHING ON THERE WEBSITE IN MY FILE SAYS THIS INFO.
Consumer complaint received 2024-07-08
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. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (AR)

I have been contacted several times by First Credit Services about a gym membership I canceled. I asked why I was not mailed a debt validation letter within five days of the initial contact and the company stated that they had mailed it. I asked repeatedly for proof that it was mailed, and delivered to me, which they eventually said they would email to me. The next day I was sent a billing statement and, based on the metadata within the document, it had been created the same day they emailed it to me. I never received a validation letter and the company can not prove that one was sent to me.