davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge 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: Chime Financial Inc (TX)

On XX/XX/year> my phone and credit card were stolen. There was an unauthorized charge of XXXX on my credit card I immediately deactivated my card and called ChimeXXXX XXXX XXXX XXXXk XXXX help me retrieve my funds back. Not even 2 days later I received a notice saying my claim was denied with no real explanation. This was very upsetting because these were the funds for my kids school clothes and shoes. I called Chime and asked for my claim to be reopened so I can provide the police report. I sent the police report. I am reaching out because I am diagnosed with XXXX and anxiety this has caused my anxiety to take a toll on me causing XXXX panic attacks. I hate that I can't depend on my bank when situations like this occur. Please help
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Yamaha Motor Finance Corporation USA (FL)

Dear Yamaha Motor Finance Corporation, U.S.A., On or about XX/XX/2024, I, XXXX XXXX, called your organization to request a copy of the original agreement I had with Yamaha, including the arbitration agreement. Unfortunately, your representative exhibited poor customer service and hung up on me after two attempts. 

Therefore, on XX/XX/2024, I am filing this complaint with the CFPB against your organization for its negligence and unfair treatment. All I was simply requesting was a copy of the agreement to be mailed to my address. A debt collector has taken legal action against me in XXXX XXXXXXXX XXXX, which violates the arbitration agreement and the Florida Consumer Collection Practices Act, Fair Debt Collection Practices Act, and other laws. 

Please provide me with a copy of all documents pertaining to the original agreement with XXXX and Yamaha via mail. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

For the past 45 ( forty five ) days, I have been contacting Marcus daily regarding my XXXX XXXX Savings Account, attempting to have it unlocked and to update my phone number to XXXX, but with no success. Despite making over XXXX calls in this period, my account remains locked, and my phone number has not been updated. I am unable to access my account, which holds {$62000.00} that I critically need. Every time I call, I fully authenticate myself with my passphrase, name, DOB, and SSN, and speak to two different representatives, including supervisors, yet there is no resolution in sight. Over the last month and a half, I have authenticated myself on every call and sent an Affidavit of Identity via XXXX XXXX, duly signed in front of a notary on XX/XX/year> which is received by GS Marcus bank on XXXX XXXX. I urgently request your assistance in gaining access to my account and updating the associated phone number so I can access the funds crucial for my survival. 

Full story : I have a XXXX  XXXX  Savings Account ( HYSA ) with Marcus and requested to update my phone number on XX/XX/year>. Over the next 10 days, I made more than XXXX calls to Marcus representatives, who informed me they couldn't update the number and had put my account on hold ( locked ). On XX/XX/year>, they asked me to send a notarized Affidavit of Identity to their XXXX  address. I sent the affidavit via XXXX  XXXX, which XXXX received on XX/XX/year>. Since then, I have called them every day and received different timelines for removing the hold and updating the phone number on my account. A case number for identity verification ( Case # XXXX ) was created on XX/XX/year>, and I was initially told this issue would be resolved by XX/XX/year>. However, there has been no update or action from GS Marcus Bank. 
I have also noticed that these issues are widespread, and many people are suffering from their incompetence in locking consumer accounts, as discussed online.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

XXXX / XXXX Dispute - XXXX Sequence of Events : XXXX. Personal checking account showed pending charge for a cancelled subscription from XXXX. Subscription definitely had been canceled but original subscription should never had been charged to personal account. Was setup to go to business credit card. 
XXXX. Immediately checked XXXX account saw they failed to cancel subscription, immediately recanceled. 
XXXX. Checked with bank, was told to place stop payment on charge. Did this but charge still went through. Money was deducted from checking account. 
XXXX. Contacted Wix, asked for refund, XXXX said chargeback was issued by bank, that they had never received any funds and that I needed to file case with bank! 
XXXX. Bank investigated, temporarily refunded money to account, all was well! Bought new discount account with XXXX. 
XXXX. Notified by bank that further investigation was not in my favor and that my account would be debited again on XX/XX/XXXX. 
XXXX. Contacted XXXX, they said to contact vendor. 
XXXX. Contacted Wix again asking for refund, XXXX reverified that the bank issued a chargeback in the beginning of this mess and that they never received a XXXX from XXXX. 
XXXX. Contacted bank again, they verified money had been sent to XXXX. 
XXXX. Multiple calls, texts, messages later XXXX verified my claim, said all had been resolved and that I would receive a refund. That was several days ago! 
XXXX. XX/XX/XXXX, contacted XXXX again to check on refund status, was told to contact my bank. After providing a lengthy history and documentation was told I will receive resolution within XXXX hours! 
XXXX. In the meantime, I am out of {$380.00} in my personal checking account, this has been going on for over a month and I have lost hours of my time and brain cells. 
XXXX. XXXX weeks ago USAA said they reopened the case and are reviewing it. They indicated that they would be deciding in my favor and urged 'patience '! I have heard nothing from them!!!
Consumer complaint received 2024-08-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PayActiv, Inc. (OK)

I use the Payactiv app through my work, XXXX XXXX XXXX. I was using the app as a saving account for an upcoming vacation. XX/XX/XXXX I noticed the withdraw option was missing, I contacted Payactiv and XXXX hours later the option to withdraw reappeared. XX/XX/XXXX I tried to with my balance of {$600.00} and I received an error message saying unable to withdraw. I have been in contact daily to every other day with customer support via chat and phone calls. I have talked to numerous representatives and I keep getting told they are working on a solution. While on vacation and unable to access this savings Payactiv transferred {$33.00} from the saving account to the actual card lowering the balance to {$570.00}. I spoke with a XXXX named XXXX XXXX yesterday and he was not able to give me an XXXX on when my funds were going to be accessible. This company helps provide earned wage income before you receive your paycheck however this is my money I have been saving and now I am back from vacation and desperately need my money. From what I can find Payactiv is owned by the XXXX XXXX XXXX XXXX XXXX. I have had to take out a loan that is affecting my credit and if I dont not receive these funds I will not be able to pay rent. It basically ruined my vacation having to be on the phone with customer support daily and never get a resolution.
Consumer complaint received 2019-11-23
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: EQUIFAX, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
NOT MINE ... 
XXXX XXXX XXXX  XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, XXXX, FL XXXX NOT MINE
Consumer complaint received 2024-08-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Paramount GR Holdings, LLC (TX)

Solar panel seller came by 2022 and promised us to save money on our light bill because of solar panels and said that payment would never go up especially since if we signed we would get a XXXX tax bonus to throw to principal and help lower payment but came tax season none of that was true. Payment has been increasing and we had been making payments on time. No contact back from anybody to help us. We spoke to neighbor that they are same situation. I rather get rid of the panels and get out of contract
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC. (CA)

I was in XXXX when i get the car it is not working the owner put insurance to get the all money and fix it 2 times he send me to coleccin after insurance paid the car the car was u der my daughter XXXX XXXX and later the car was under my name he stiil the money and the insurance money
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MS)

I got my report from XXXX XXXX and saw XXXX XXXX  put a fraud on me without my knowledge nor consent I paid my account and they automatically closed my account with a pending deposit before the account was closed I left a positive balance and requested my money for all fees and services refunded as of todays date I have not heard back from XXXX XXXX  on the fees and money owed to me. After filing a dispute I have never seen a dispute ending up being fraud on the consumer this makes absolutely no sense. Placing a fraud alert when there is no fraud creating a narrative that never existed freezing account so consumer can not pay account this bank deliberately abuses it power and never fixes the error they create no one owed them a dime I had to get a manager to call an office so I can pay them when I am in the bank trying to keep a positive standing with them XXXX needs to be investigated for discriminatory banking practices placing false narratives on a consumers account. Placing incorrect information on a customer who is paying them. I never left a balance with them I am waiting to this day for my refund I never received it as of todays date I owe this bank nothing but they place false narratives on me as if I am a criminal I have never seen a criminal pay money to keep a bank account in good standing. Now thats fraud if I did not pay them thats fraud if I made no effort it was an error on their part making me in the negative to begin with.
Consumer complaint received 2024-08-06
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: Affirm Holdings, Inc (MA)

In XXXX of 2024 I submitted an identity theft report and my signed affidavit under penalty of perjury to show that the account XXXX did not belong to me. On numerous occasions I asked for evidence being used to prove XXXX XXXX 's claim that they verified the account. I was not provided any information about their investigation. XXXX XXXX has not submitted any affidavits under penalty of perjury. I requested a validation of debt and was not provided this information.
Consumer complaint received 2024-08-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX is switching over their systems ( maybe their provider too? ). I have autopay set up with them and yet they did not take the payment and have charged me a {$27.00} late fee. There is no way to contact them -- the message on their helpline just says they are having technical difficulties then hangs up.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. They called my phone and job from personal cell numbers and they called from restricted numbers.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (TX)

My credit reported a drop in my credit and when checking, I noticed a bunch of hard inquiries that hit my credit. I did not authorize any of these inquiries therefore I do not know why they were able to hit my credit.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

15 U.S.C 1681 section 602 A. state have the rights to privacy. account : OFFICE OF ATTORNEY/ AMOUNT XXXX $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other then records of conviction of crimes which antedates the reports more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 5 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

I never ended up using the account after I opened it with my initial {$25.00} deposit. Once I realized there was a monthly fee, I tried to close the account. I got a new phone number so I was unable to complete the XXXX. They want me to confirm my account number, but the number is not listed on the statement they send and I can't view it without being able to log in. They also ask my for my " pass code phrase '', but I don't remember ever setting that up. The account is now overdrawn and they are going to continue charging the monthly fee. They are not working with me on any sort of resolution to verify my identity. I don't think it's fair for them to keep charging me a monthly fee while not allowing me to close the account.
Consumer complaint received 2019-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (NJ)

Last week i received a letter from XXXX  XXXX XXXX indicating that i had {$1600.00} in a prepaid account from the government for XXXX payments. i contacted XXXX  XXXX XXXX to make sure this was a legit letter and they said yes it came from their Government Prepaid Card department and it was legit and to call the number on the letter. so i called them and they said they had the money and they were going to mail me a check. I received the check and mobile deposited it into my SoFi account. the day after i received notification that my account was frozen pending investigation. i called them and they told me they couldnt tell me anything just that there was an internal investigation and that they would update me via the app. its been a week and a half and i hadnt heard anything from them so i called them today and they said my account is being closed due to violation of the user agreement. i asked if they could explain what that violation was. and they said they could not give me that information. i then asked to be transferred to someone who could and they said that no one could give me that information. that they were just closing my account.
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TX)

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 2024-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group (NC)

The revenue group stating that I owe {$420000.00} to the Ohio Treasurer of State for business taxes. I have provided them my tax returns from XXXX and XXXX to show that my tax liability was {$49.00}. I can no longer provide proof of payment because it was XXXX  years ago and I no longer have those documents. From my tax return that I had prepared by an outside company shows that i only made {$600.00} and then I closed the business in XXXX. I've sent the business closure form in to the State of Ohio twice with no resolution. The revenue group is not taking the proof of tax returns as enough to close this case. The balance due is a made up number and I don't understand what else I would need to do to prove that I don't owe anything. I also don't understand how they can do this after XXXX  years. 

I believe due to the amount that has been fabricated is why I'm being harassed.
Consumer complaint received 2024-08-06
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PayActiv, Inc. (MS)

I made an earned wages transfer to my payactiv card over XXXX hours ago, and it has not posted yet. When I call Payactivs customer service department, all I get is a ) give it another XXXX minutes or b ) your case has been transferred to our technical department. Ive made close to XXXX calls, emails, or chats trying to resolve this. Im not allowed to talk to a manager. I receive my paycheck this coming Friday. I really need the transfer, but at the very least, I need to ensure that this money doesnt get deducted from my paycheck. Nothing Ive seen or heard from this company gives me any hope that it wont be deducted. 

Thanks! 
XXXX XXXX
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

Switched account types on XX/XX/2024. Representative talked me into a new account type. Had no idea there would now be a {$15.00} fee per month on the account when my other account did not have fees. Would like the remaining fee reversed. Bank itself will not do it. This was a bait & switch - deceptive practices.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (MO)

I noticed some unauthorized inquiries on my credit report. According to the FCRA section 605B it is illegal to report information on my credit report without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (TN)

I asked this company to stop reporting my personal information without my concent and asked that they remove any information they have against me that i never gave permission to have access too. On XXXX I sent this company a request to opt me out their system also to delete any personal information they have on me. I sent over all important information they asked me to send to identify myself. They refused to do so! I have asked I never had any dealings with them. I dont know anything about this company. This is fraud! l have added sensitive information to identify myself. The same information i sent them to remove me from their system.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

Chime bank immediately denied my fraud disputes without following their own policy.

I reported several online and recurring charges that I did not make or authorize. I reported these again twice after being denied by the bank. I spoke to managers who told me they would resubmit my claims two times and that I would get a provisional credit and they have never been removed from denied status. This bank just immediately denied my claims and one of the charges had been approved in XXXX and now they did not approve it. Another one still says denied but the company just refunded my money. This bank is not doing the work and just allowing fraud on my account.