davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

I received a deposit from my employer to my bank account on XX/XX/year>. I was able to pay some of my bills with it and chime paid themselves for their spot feature, but not the full balance. The next day I wake up and see my account is still open and active. At XXXXXXXX XXXX, I received an email saying that both my accounts with Chime have been closed due to breach of deposit account agreements. I had an overdue balance, but it was not past XXXX days but they failed to take the whole payment but instead elected to take {$110.00} out of the {$150.00} owed. I had an overdue balance, but it was not past XXXX  days. Ive contacted Chime several times and they have told me that theres nothing they can do the count is closed. The balance was overdue was under {$50.00}. I had {$210.00} in my checking account before they closed it. That was more than enough to take for the XXXX feature. They also promote XXXX to be interest free and pay it back when you can. One representative told me that they can not tell me where my funds are going. Another one told me that theyre keeping my funds while another person told me that they will send them back to my employer. I also received email saying that they can not verify where my deposit came from. No one can give me specific information. They just keep giving me a generic transcript and claiming they will escalate it up.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (OK)

I tried to open an account with Schwab Bank on XX/XX/year>. After having issues online, I called them. The individual I talked to informed me that he could send me the paper application via XXXX fill it out, digitally sign it, and send it back. I did this and went hours without hearing anything. When I called back, I was informed that is not how they open accounts and that Id have to do it again, via their website. I went ahead and opened it online and got it squared away. When talking on the phone, I was told that to get a debit card and checks ordered, Id need to deposit {$0.00}. I sent over {$1.00} but then I was told it was actually $ XXXX XXXX sent over {$9.00} more. Well, come to find out, it was actually {$100.00}. Thankfully, a lady was able to get an exception. So I moved money into the account and went to XXXX my wife {$5.00}. Immediately had my XXXX account suspended. On top of this, my investor checking account kept saying unavailable for transfer because as the primary account owner, my role on the account did not give me authority to move money. I called Schwab every single day between XX/XX/XXXX and XX/XX/XXXX and neither issue has been resolved.
Consumer complaint received 2024-08-09
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 (PA)

I keep getting charged with unauthorized charges from a company called XXXX XXXX I told my chime bank that I do not authorize or cosent to withdraw money from my account in the amouth of XXXX multiple times. I tried to resolve it first with chime bank like I always do and like chime always does they did not approve my claim. So now I am trying with CFBP.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing to file a complaint against XXXX XXXX XXXX, and XXXX, who are handling my debt on behalf of American Express. I have reached out to both American Express, who directed me to XXXX. I contacted them to attempt to explain my financial hardship and attempt to resolve my account, where they directed me to the attorney XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX ) provided a phone number and email for XXXX XXXX XXXX email XXXX. I spent the next month attempting to contact him, made numerous call, left multiple voicemails and sent several emails. Despite my repeated attempts to contact him by phone and email, I have not received any response. 
XXXX XXXX to nowhere and lack of communication has left me unable to address or discuss my debt with anybody that may be able to assist me in a resolution. 
On XX/XX/2024, I sent an email to attorneys XXXX XXXX at XXXX XXXX XXXX who is the attorney in the matter explaining my financial hardship due to unemployment and health issues, detailing my total debt of over {$40000.00}, and offering a lump-sum settlement of {$4600.00} for the American Express debt . I emphasized my efforts to avoid bankruptcy and my desire to settle the debt, but despite providing this detailed explanation and offer, I have not received any response.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I had multiple transactions completed that was not authorized by me. On XX/XX/year> {$710.00} was withdrawn from my CashApp account. Another transaction in the amount of {$670.00} and another one for {$420.00}. All three transactions were done throughout the day on XX/XX/year>.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NY)

The account below is reporting as Charged-Off Bad Debt. A charge-off according to Title 26 of United States Code subsection 61 ( 11 ) is considered gross income. Income is not a reported on consumer reports! 

Under FCRA there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. The credit reporting agencies have failed to exercise their responsibilities in respecting my consumer rights by reporting gross income on my credit report. Also the furnishers of that information have not upheld their required duty to ensure maximum accuracy of information they furnish in relation to my consumer report according to 15 U.S. Code 1681s2 ) a ) 1 ) A. Knowingly furnishing information that is considered gross income under United States codes is a violation of 15 USC 1681c in terms of the required of information contained in a consumer report, 15 USC 1681e ) b in terms of the accuracy of the report, and 15 U.S. Code 6802a in terms of privacy as gross income is protected as a non public personal piece of information which can not be shared with non affiliated third parties. The account in question is below Creditor XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Principal Amount : {$7000.00} Status : Account Charged Off The rights of a consumer in relation to fairness and accuracy of credit reporting are protected under FCRA and both the Credit reporting agencies ( XXXX, XXXX, and XXXX ) and the financial institution are in violation of depriving me of my rights under Title 18 USC 242 by reporting unfair and inaccurate information to my consumer report and not deleting the information once it has been previously disputed. The acts of deprivation have caused damage financially to my person and has limited my persons rights to liberty and the pursuit of happiness, in acquiring consumer goods, which is protected under the Constitution.

I am offering an opportunity to cure the damage caused by your person to my person by requesting the deletion of the accounts mentioned above from reporting on my consumer report. If there is willful noncompliance with the request made, as a result of exerting my consumer rights which have already been disrespected, civil action for the deprivation of my rights will be taken in addition to the civil penalties that are required under FCRA and FDCPA. 
Please take action in the time allotted by FCRA which is 30 days.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (UT)

I want to dispute Wells Fargo Dillards American an Express past due mark on my credit reports. I refinanced my house when my son in law XXXX XXXX so I could help take care of my daughter and her XXXX  children. The mortgage company helped me send large payments to multiple creditors, including this account. I have been able to prove to them date check was mailed to them, which was before it would be considered late. By the time it went through their process of receiving, processing and payment it went past due. This was a process error, not negligence on my part. This one past due mark significantly affected my credit score. If you will review my payment history- I have never been late with any creditor for years
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Nelson and Kennard (CO)

Nelson and Kennard have garnished my bank accounts for a debt that was not owed due to a Bankruptcy that was charged off in 2016. I have filed timely responses to the courts regarding of the unknown/ unowed debt, and Nelson Kennard is the Attorney Office that collected for XXXX XXXX XXXX. I have provided proof of no right of recovery, and they garnished the account after the statute of limitations had been exhausted, by 2 years. The actions taken have been well reported to be in strict violation of the CFPB Laws, and should be held liable for punitive damages.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/year>, Paypal attempted to pull {$1100.00} from my checking account for an XXXX payment. It declined due to insufficient funds, but PayPal fulfilled the payment XXXX on my behalf. On XX/XX/year>, I canceled the XXXX rental and was issued a refund for {$270.00} ( which came through to my checking account the same day ) and a separate refund for the {$1100.00}. I assumed that PayPal would not retry the payment at that point and just keep the refund from XXXX. However, PayPal retried the {$1100.00} payment on XX/XX/year> and successfully withdrew the payment from my checking account, leaving it empty. It is now XX/XX/year> and I still have not received my refund! I have no money to pay bills, food or gas and keep getting different answers when I call and speak to agents or managers! I want my money back and at this point, compensation for them holding onto it for so long. This is totally unreasonable!
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (MD)

The following explains why this account should not be on ANY of my CREDIT FILES. As SURETY, I am now giving actual Notice of Equitable Subrogation to APPLECARD/GOLDMANSACHS. I am now invoking my GOD given rights of equitable subrogation and require APPLECARD/GOLDMAN SACHS to compensate the Principal by returning all the Federal Reserve Notes ( FRN 's ) given as payment for a debt that was paid by the surety by way of Special Deposit USPS XXXX XXXX # XXXX dated XX/XX/XXXX. Per UCC 3-603 Refusal is DISCHARGE. The doctrine of subrogation in equity requires, ( 1 ) that the person seeking its benefit must have paid a debt due to a third party before he can be substituted to that party 's rights ; and, ( 2 ) that in doing this, he must not act as a mere volunteer, but on compulsion, to save himself from loss by reason of a superior lien or claim on the part of the person to whom he pays the debt, as in cases of sureties, prior mortgagees, etc. The right is never accorded in equity to one who is a mere volunteer in paying a debt of one person to another. ( XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; furthermore a servicer/debt collector who has purchased a debt from another company has no interest in the original debt, making their status that of a mere volunteer. The right of subrogation does not arise to one who pays the debt of another as a mere volunteer. This includes attempts at collection by assignment, transfer or trade. A volunteer, stranger or intermeddler is one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Parties may be considered volunteers if in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, as they act without being requested to do so by the person liable on the original obligation. See : 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 XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (VA)

Upon checking my credit score I saw that I have been placed in collections for an account I have never had a contract with. A company called XXXX XXXX XXXX XXXX has illegally obtained my information and SSN and attached fee to my credit report. I do not have a debt with any company called XXXX XXXX XXXX and therefore have no signed legal contract whatsoever taking ownership of said account.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (AZ)

I have not had an active card in my account ending in XXXX in over 2 years. 
I never recieved my renewed card yet I have still been paying annual fees. When I requested a new card be mailed and updated my address over 6 months ago, I still never got it. 
Indigo/Concora Credit said it was returned as undeliverable and verified my address and resubmitted. 
I still never received the card and then was charged a {$99.00} annual fee for a card I had zero access to. 
Which I had to pay to prevent a negative credit reporting. 
I then proceeded to close out my account which they issued a refund to the CARD. 
I called on XX/XX/year> and they stated they can only issue check by mail. 
I expressed my concern since I have received ZERO mail from them in over 2 years and asked to send a voided check to be reimbursed by wire, they said there was no other options besides check.

I ended up speaking with a manager who said if you havent received the check after 45 days you can call back to see what other options are available Which confirms they DO have other options, but they are REFUSING to provide that to me.

This is predatory, charging fees to be paid on a card they have ZERO proof they sent to me multiple times and are now keeping me from MY money that they have ZERO business holding.
Consumer complaint received 2024-08-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

I am the trustee of a living irrevocable trust that my parents home is a part of. This mortgage company is trying to include the taxes on this home in my debt to income ratio. 

I told them that this is incorrect and they should not include this, because as a trustee, I have no ownership or interest in my parents home. 

I even showed them the tax bill stating that my parents pay the taxes.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

On XX/XX/year> I viewed and saw some inaccurate items on my credit report. On XX/XX/year> I sent a letter requesting any incorrect information to be removed. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. 

LexisNexis has several items on my report that are inaccurate including a bankruptcy that was NEVER reported by the courts.
Consumer complaint received 2024-08-09
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: Affirm Holdings, Inc (MN)

I believe that I am not treated fairly when it comes to credit reporting, and this is affecting my credit score and credit integrity. So many inquiries have been made toward my credit over the period. Other report has been send to the credit which I believe to be hurting my credit score.

I am kindly asking this entity to please and fairly look into this issue and help me resolve this. I am a XXXX of XXXX boys and the only source of income for my family. I love to keep my integrity very clean and focus on the better tomorrow for my children.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I purchased concert tickets from someone ( seller ) on XX/XX/XXXX based on the recommendation of a very trusted friend. The seller requested that I pay via Zelle, I did and the seller did not produce the tickets. On XX/XX/XXXX I requested a refund from the seller, he stated that he issued it back to me through Zelle which he did not. He said it was pending. I also made a payment request through Zelle for the {$900.00} he owes me. On XX/XX/XXXX I reached out to him again to let him know I still haven't received my money. He did not answer me. On XX/XX/XXXX I reached out to him again and he did not respond again. 
This is clearly a scam so I have done the following : Collected and printed all of the texts and communications with the seller Obtained a police report Called XXXX ( XXXX on XX/XX/XXXX and XX/XX/XXXX Messaged XXXX  through Mobile App on XXXX Called Zelle ( XXXX ) XXXX Filed two Scam reports with Zelle on XX/XX/XXXX Emailed Zelle customer support on XXXX Messaged Zelle on XXXX on XXXX I have received absolutely no help from Zelle. Their page says if you need immediate support to call them. They offer 3 different prompts, none of them leading to speaking with a representative. Their site also says to file a claim. I filled out all of the necessary information and still have not heard back from Zelle. I also sent a general message through their customer service link, and still no response. I was able to message them on their XXXX page as well and no one has answered me. They offer the support phone number and links. I tried them all, but have not heard from anyone. Why do they offer these things when they dont plan on answering their customers? 


I am desperately trying to get my {$900.00} back. With no help from Zelle, this scammer has been able to keep my money. It may not be a large amount, but it is to me. 

I have all the texts showing my communication with the seller. I tried attaching the documents but it said the page was temporarily down.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (IL)

This account, linked to a vehicle that was fraudulently registered in my name using a fake ID, has been the cause of significant distress. I complied fully with XXXX COLLECTION /Radius Global AGENCYs requests to address this matter, including providing a police report and an affidavit detailing the crime committed against me. Despite this, I was asked to fraudulently back date legal documents that XXXX management mailed to me, and upon doing so they sent all of my personal information over to another collection agency [ Radius Global ] without my knowledge or consent, asking me to falsify documents, which is not only unethical but also illegal. Additionally, despite my efforts to clarify the situation with their representatives and a XXXX, this fraudulent account has not been removed from my credit report. I want to remind you that I have informed your agency multiple times that the vehicle in question was never insured, and the dealership responsible for this fraudulent activity was closed down by the FBI following an investigation. The continued presence of this account on my credit report is unacceptable and damaging to my financial standing.
Consumer complaint received 2024-08-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

XXXX sent a bill in my name to XXXXXXXX XXXXXXXX for an account that was not mine in early XXXX. I disputed the bill with XXXXXXXX XXXX  telling them it was not mine and that I never had a XXXX account. I thought it had been cleared up. It has shown up on my credit report again. XXXXXXXX XXXX says XXXX recalled this account on XX/XX/XXXX after I filed my dispute ( which got no response from either XXXX or XXXX ). XXXX closed and returned the account to XXXX on the same day. XXXX knowingly sent this fraudulent account to a new collections agency, Southwest Credit Systems , who opened a collection account in XX/XX/XXXX for the same fraudulent XXXX bill.