davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DIGITAL FEDERAL CREDIT UNION (TX)

On XX/XX/2024, I noticed unauthorized credit inquiries on my credit report from XXXX XXXX XXXX, XXXX XXXX, DIGITAL FEDERAL CRED, XXXX XXXX  XXXX and XXXX XXXX. I did not give permission to these companies to access my credit. As soon as I saw these inquiries, I contacted each company to dispute the unauthorized activity. I also reported the incident to the credit bureaus and filed a report with
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (WV)

TRS recovery services is attempting to collect XXXX debts for Telecheck for " XXXX Returned " ACH Transactions to XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX I disputed both of these collections and have not received any information from the company to validate these alleged debts. I requested reporting and collection activities ceased immediately and for the entries be deleted from my Telecheck file report. 

TRS recovery services reference numbers XXXX for $ {$110.00} XXXX XXXX for $ {$420.00}
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NC)

In XX/XX/2023, I received an alert from XXXX that JP Morgan Chase ( " Chase '' ) checked my credit. I called them and spoke with their fraud department. I was really upset because I already had a credit alert on my credit file saying to contact me on my cellphone if anyone applied for credit, because I had previously been a victim of ID theft. However, Chase did not contact me. I told them I did not apply for a credit account with them. They told me they would be removing the inquiry and not opening the account. They sent me a letter stating that too. It's been almost a year. I'm now purchasing a home and I realized this fraudulent inquiry from Chase is still on my credit. This inquiry needs to be deleted immediately.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I am writing to dispute an account listed on my credit report. The account in question is XXXX from CBNA , and it is currently reported as negatively impacting my credit. 

I am listed as an Authorized User on this account, and I have no ownership or control over it. Given that this account is adversely affecting my credit score, I kindly request that it be removed from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Since this account does not belong to me and is damaging my credit, I am requesting its immediate removal.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo completely violated my checking and savings account by closing my account without explaining to me in black and white why it was necessary for my accounts to be closed. What Wells Fargo did was accuse me of fraud by stating that one or more transactions were unauthorized on my account, which is absolutely 100 % false. Now, they're telling me l will have to wait almost 30 days for a physical check to be mailed to my home, and I won't have access to my funds. This comes weeks after a XXXX XXXX  for my wife, who is in need of XXXX  XXXX  every day. This is creating an enormous hardship and is un-American in the way these corporations take advantage of the small people. I was dismissed by Wells Fargo here at my local branch in XXXX, Pennsylvania, and they seem not to even care about what I was trying to explain to them. What Wells Fargo is doing is very capricious ; it's unlawful and they should be held accountable. I would not advise anyone to put their money in Wells Fargo bank.
Consumer complaint received 2020-01-03
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

After being served with papers indicating I was being sued by Rash and Curtis at home, they also sent a server to my place of work. They told the receptionist I was being sued. I had no idea up to this point that Rash and Curtis had bought my medical debt from XXXX XXXX XXXX. I had no idea who Rash and Curtis were. 
When I called them and explained the event occurred during a volunteer event with a church, and the church had said they would take care of of, they explained they were suing me and getting a judgement against me for 25 percent of my wages. I asked why they served me 1 ) by mail 2 ) at home 3 ) at work. They said that the servers were not their problem. I said they can't serve me at home, actually speak to me and identify me, and then 2 days later also serve me at my place of employment. They said yes they can.
Consumer complaint received 2024-09-01
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (ID)

I would like your consideration in removing a late payment reported from Best Buy Credit Service on my credit report. 

On XX/XX/XXXX, I purchased a laptop computer from Best Buy for {$1200.00}. I intended to put the purchase on my credit card which I always pay off in full monthly, but the associate said I could get a ten percent discount if I signed up for a Best Buy credit card. Since this was a substantial purchase I agreed. The associate entered all my information on his terminal and signed me up with paperless billing. Unfortunately, my email address was entered incorrectly and I was set up with paperless billing by the associate. As a result, I never received a statement.

After I used the computer for a while I determined I needed more resources, so I returned it to get an
upgrade. Since they were out of stock and didnt know when they would get more in, I decided to just get a refund on XX/XX/XXXX. At this point I thought I had a XXXX balance, so I did not expect a statement with a balance. 

On XX/XX/XXXX I received a voicemail from Best Buy since I block unknown callers. I returned the call and was told I had a balance past due of {$210.00}. Apparently there was a restocking charge I was unaware of, so I gave him my payment information and authorized him to make the payment. Again, I thought my balance was XXXX. 

On XX/XX/XXXX I got a notice from my credit monitoring service that my credit score had dropped substantially due to a late payment report from Best Buy. I had never set up an online account with Best Buy since I thought the account was XXXX and I never intended to use the card again, but getting this information I went online and created an account. It was then that I discovered that the agent on the phone had not paid off the account, but had only paid the minimum due. I also found that on XX/XX/XXXX a late fee of {$30.00} had been charged and on XX/XX/XXXX a {$40.00}. had been charged. 

I immediately set up my payment information on my account and paid off the account. It was then that I looked I my profile and saw that my email address was incorrect and this is why I had never received a statement. I updated my address and have now been receiving email from them. A couple of days after this, I received a letter in the mail telling me my account was past due with the amount due. Of course by that time, I had already paid off the account, but the damage had already been done to my credit rating.

I have never been late on any of my payments in the past and have always had an excellent rating. I always pay off my credit cards in full every month.

I respectfully ask that you remove this late payment from my record as I never received a statement from Best Buy due to an input error from the Best Buy associate when entering my account information.

Thank you
Consumer complaint received 2020-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NV)

PayPal has PayPal Credit service which is handled by Synchrony Bank. As an option for the purchase over {$100.00} they offer deferred interest option for 6 months. But when you pay more than minimum payment due they apply extra money to this deferred interest part of the account, which has 0 % interest for 6 months, while regular part has more than 25 % interest. Obviously, it is a violation of the law requiring to apply payment to bigger interest balance first. I have called them once and they immediately adjusted payments re-applying it to the standard part. However, next time they apply the payment again to the deferred interest balance. Attached is my XXXX statement demonstrating how they adjust payments I have made. I also attached XXXX statement showing how they apply my payment to the deferred balance while expiration date was XX/XX/2020.
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (MD)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (LA)

I am a consumer in which a loan modification for a mortgage was executed with me as the co-borrower and I was unaware of the transaction and it is unsigned and incomplete mortgage loan modification agreement executed on XX/XX/year>. 

The agreement was signed by only XXXX borrower, XXXX XXXX, and not XXXX XXXX [ XXXX ], despite the requirement that both borrowers ' signatures are necessary for a legally binding contract. The loan documents provided by email from Mr Cooper show there is no signature or date for XXXX XXXX and in fact, there is an X where a signature should be required. This omission of material information and mutual agreement, coupled with the potentially fraudulent information and aggravated identity theft may constitute a deceptive and unfair trade practice.
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (WA)

My statement with Nordstrom Card Services for the period ending XX/XX/year> included 2 transactions for the same item ( a pair of boots ) resulting in two charges of the same amount for two pairs of boots. When I viewed my Nordstrom order history I saw that I only ordered and received one pair of boots. Leading me to believe that while I ordered one pair of the boots, I was charged for two pairs of the boots. When I called to report this, I was transferred and hung up on numerous times. Eventually, I was able to connect with a representative that filed a dispute for me. I received a letter stating my dispute was denied and that documentation " found during the investigation '' was included. However, no documents were included and no explanation for why the dispute was denied. After calling again I was told that one of the 2 charges was for a different item, even though both transactions display that the charge is for the exact same pair of boots on my statement. When I asked to have documentation showing that the 2nd transaction was valid and what it was for, I was advised there was nothing they could provide me with. I would have to believe that the transaction was valid and there was nothing further they could do for me.
Consumer complaint received 2024-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc. (SC)

Did not receive a 1098c of validation of this Suppose to be debt. 


To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. 

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely,
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AZ)

I recently ran requested my credit report from the XXXX major credit reporting bureaus and noticed a collection account wherein a company called Jefferson Capital has reported negatively to the XXXX major Credit Bureaus claiming I owe money to them, specifically {$4000.00}. I have never applied for or opened an account with Jefferson Capital nor have I given permission to them to use any of my personal information to open an account. Additionally, I have never received any communication form this company regarding any alleged debt. I have recently reported this to the XXXX major credit bureaus in addition to filing this report.
Consumer complaint received 2024-09-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (VA)

This complaint had to be reopened because it closed before I could give a response. Reference complaint XXXX. 

Rocket Mortgage made an inaccurate escrow analysis and then transferred my mortgage to XXXX before the analysis could be addressed. XXXX completed their own escrow analysis and determined there needed to be additional adjustments made to my payments and additional surplus money needed to be paid out from my escrow. 

Rocket Mortgage said in their response that their analysis was accurate with the information that they had. Their analysis made on XXXX XX/XX/year> was flawed because their projection on my monthly payments still included some escrow holdings for real estate tax in which they were notified I was exempt from. There monthly payments totaled {$5700.00} with a {$410.00} payment to escrow. 

On XXXX XX/XX/year>, XXXX with that same information was able to complete an analysis properly showing my monthly payments totaling {$5400.00} with a {$160.00} escrow payment. A surplus of {$270.00} had to be sent to me due to the over withholding of money in my escrow account.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (TX)

XXXX : Urgent Complaint Regarding Unprocessed Refund for Canceled Pre-Sale Necklace Purchase** Dear Macys, XXXX, XXXX XXXX XXXXXXXX I am writing to express my deep frustration and disappointment regarding the unprocessed refund for a pre-sale necklace purchase that I canceled promptly but have yet to receive my refund for, despite numerous attempts to resolve the matter. 

On XX/XX/year>, I pre-purchased a necklace as part of a special pre-sale event where all jewelry was 65 % off for a total of {$260.00} The pickup for this item was scheduled for XX/XX/year>, to coincide with the start of the sale event. As per the terms of the pre-sale, my funds were supposed to remain on hold until the pickup date. 

However, on XX/XX/year>, I decided not to proceed with the purchase and went to the store to cancel my pre-sale order. Unfortunately, despite my prompt cancellation, the funds were removed from hold and processed by my bank hours before my cancellation. 

After waiting XXXX calendar days without receiving my refund, I reached out to both the store and my bank multiple times. It has now been over XXXX calendar days, and my refund is still unprocessed. Despite providing proof of the cancellation, including receipts and communication with the store, my disputes have been repeatedly denied. 

The store has confirmed that the cancellation was processed on their end and has pointed the blame at the bank. Meanwhile, the bank insists they never received the funds from the merchant and is placing the blame on the store. I am now stuck in the middle of this situation without my money and with no resolution in sight. 

I am requesting immediate action to resolve this matter. Please process my refund as soon as possible, as this delay and miscommunication are unacceptable. I expect confirmation of the refund process within XXXX business days, or I will be forced to take further action, including filing formal complaints with consumer protection agencies and seeking legal advice if necessary. 

I appreciate your prompt attention to this matter and look forward to your swift resolution
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On Friday, XX/XX/XXXX I went to chase to deposit cash. It looked busy inside, so I decide to deposit the cash {$2600.00} via the atm. I have done this before and never had an issue. The entire {$2600.00} were {$20.00} bills. I put the first chunk in and heard it counting and then I chose the deposit more option and put the second handful of XXXX XXXX in. It was counting and then a message popped up saying too many items to read. None of the extra bills dispensed out and a receipt spit out saying to call them if my deposit didnt go through. On the screen it showed a message of this atm can not accept or dispense cash payments. Ive never had this happen before. I go into the branch very upset and then in tears explaining what happened. The woman I was directly talking to told me to call the number in the receipt and told me to try to stay calm. I went over to a seated area in the branch and reported the claim and she told me to rest assured the money would show in my account in 1-2 hours. I still felt very uneasy about even leaving as that money was to pay our mortgage and car payment. Not to mention its a long holiday weekend and my husband is out of of town and I had less than {$20.00} to my name. This was all around XXXX est. I logged into chase I can not even count how many times. The money still wasnt in there. Friday night, I called again and got a XXXX from chase. She assured me they were actively working on it and best case scenario it would in my account Saturday, XX/XX/XXXX and worst case scenario Sunday, XXXX. I said what happens when I wake up Sunday and its not there. She said that wont happen but if it wasnt to call them. I even said even though its a weekend and holiday on Monday. She said they work 24/7 and dont get holidays. She told me to rest assured it was going to be in there. Saturday came and it wasnt there. Yesterday I called chase yet again to get an update. I got a gentleman who told me I was given incorrect information. That the back office is closed on the weekends and the system was waiting for the back office to do a system override. He said this could take 1-2 business days up to 10. I have mortgage and car payment due on XXXX - my husband is out of town and Ive been left with no help - no resolution - no money. I havent slept since this has happened and have had XXXX XXXX XXXX XXXX because of this. If there are cameras all over the atm I would hope it saw everything that happened not to mention me going into the brand crying and upset. Can someone please help me get my {$2600.00} back?!
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AR)

My chime card was stolen, and funds were taken from my account. I immediately contacted Chime and filed a dispute on XX/XX/year>. On XX/XX/year> my dispute claim was denied. That is impossible for a due process investigation to be completed in 2 days, with no supporting documentation to back up the decision made.
Consumer complaint received 2024-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (IL)

This account is reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( XXXX ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. I was never called or contacted to confirm permission for reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts immediately. There have been several requests. I am requesting {$1000.00} for each violation.