davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CO)

I received an email from Chime, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, welcoming me to their company and stating that a debit card is in the mail. I however never opened an account. 

After reading over the info, It looks like a " legit '' account that someone else must have opened in my name ( my email address, physical address, phone number - all accurate ). 

I made my first call on XX/XX/year>. After verifying my identity, I asked for them to close my account, proved me with any transaction history and where the account was opened. They said they couldn't unless I provided them with picture ID and the last XXXX of your SSN and we can close your account. 

I refused to provide them with this information and they finally claimed to have closed the account, but would not provide the additional information. I have my doubts it was closed for obvious reasons. 

Further, it is apparent that this is a common issue with Chime. I have found complaints all across the Internet if similar experience.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2023 I signed up for automatic payment on my XXXX XXXX credit card. I received an email confirmation from Wells Fargo that this automatic payment will take effect firstly on XX/XX/2023. 

On XX/XX/2023 I checked my account and realized that this antomatic payment did not happen, so I made a manual payment which was received by Wells Fargo on XX/XX/2023. The due date for this payment is XX/XX/2023. 

On XX/XX/2023 Wells Fargo posted an interest charge of {$120.00} on my account. I contacted the bank the same day, and the customer service representative was able to waive {$50.00} of the interest charge. She also informed me that she can not waive the rest of the charge at the time, and created a customer complaint case for me on the same day. 

On XX/XX/2023 Wells Fargo replied to me regarding the case, saying " we are unable to waive any more than this [ {$50.00} ] on the account ''.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/year>, my Capital One checking account had an unauthorized transaction of {$1000.00} withdrawn by XXXX travel agency. It was an online transaction. I never purchased any item from the merchant. I lost my drivers license a few months ago. I suspect that my information was used by someone to purchase items. On XX/XX/XXXX, I received a provisional credit after I made a dispute. But the money was recently reversed to the XXXX. Today, the merchant keeps charging {$1000.00}. This is fraudulent and not acceptable. I also have more than XXXX XXXX in my savings account. There is no withdrawal from my savings account yet. However, I need to protect my assets and prevent other possible fraudulent charges in my bank account. I also suspect Capital One might have been negligent in this case. Please contact Capital One and XXXX promptly to resolve this matter. Thank you.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC (MD)

On XX/XX/year>, I received an alert from XXXX that shows a major derogatory collection from Sunrise Credit on my credit profile.This is a request for comprehensive documentation of an authenticated assignment of secured interest in the agreement. If you have been assigned the legal right, title and interest, I am claiming the equitable title and any equitable interest in the certificate of indebtedness that was originally created to offset any past, current or future obligations. If you have not been assigned the legal right, title, and interest, then I require comprehensive legal documentation of your chose in action. I am also aware that the Fair Debt Collection Practices act defines a debt collector as only private people and not an agent on behalf of anyone. Due to this misrepresentation, Sunrise Credit must remove all reporting of the account on my credit profile and cease all collection activity.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIDWEST RECEIVABLE SOLUTIONS LLC (MI)

Recently 1 looked at a copy or my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verity as accurate 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 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (PA)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written, unwritten, verbal and non Verbal per 15 usc 6802
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I recently changed my phone numbers. I have made several attempts calling Experian and tried updating phone number on the profile page of their website. It just says something went wrong. Call end up getting lost on XXXX that never directs to proper resolution. I am unable to manage freeze on my account because experian does not offer me any way to update my information.
Consumer complaint received 2024-08-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (AL)

Such a headache! I received a {$230.00} Vanilla Visa Gift Card and it was defective. Contacted company and they sent a new one after a few weeks. I made XXXX or XXXX minimal purchases before it was declined for my next purchase. I contacted the company and they said the missing funds would be reloaded within a few days. Nothing happened so I contacted them and told them the story. They said to file a dispute on their website which I did. After hearing nothing for a few weeks I called them and then they said i needed to send pics of card and store receipt where purchased in which I did. Now Im getting the runaround with any resolution. Im out around {$210.00} at least now.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I deposited some funds into my savings account by Marcus by Goldman Sachs. I tried to withdraw the money to another linked bank account on XX/XX/XXXX, the transaction was reversed. I tried again in smaller amount and into the original account I deposited from, it was blocked immediately. I called the customer service per instruction, and provided all information they requested to verify my identity. However, they say they were unable to verify it at the moment ( despite of all information I provided ). They said another fraud department would call me back in 3-7 business days and deal with this. However, I never received the call. I was out of the country for two months after so was unable to follow up on this. On XX/XX/XXXX, when I am back in the states I called them again for the same issue, unable to withdraw funds from Marcus savings account to my other account I linked with and made deposits from. I called the instructed number again. The first time someone picked up ( XXXX ish ) and told me the department dealing with this is not in working hour, that I should call back between XXXX XXXX  to XXXX XXXX I called the next morning, provided all information requested ( birthday, social security number, address, email, secret word... ) anything there is to create the account, and was told they COULD NOT verify my identity, and that another department will call me in 3-7 business days. 

I told them there was no one following up my case the last time I called two months ago about the same issue, and asked what should I do if no one reached out, the speaker said he doesn't know and that he hopes they will call and I should give it 3-7 business days. I told them I needed the money then urgently and was already delayed for two more months, and ask to expedite the process or transfer me directly to that department, they refused and said there is nothing to do besides waiting for the call. I asked what could I do if I miss it, they said to call back the same customer service number ( that I've been calling ) and tell them, and wait 3-7 business days again.
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (GA)

Ive been paying my vehicle monthly. My due dates are the XXXX of every month. In the beginning of my payments in XXXX I would be a few days late no more then a week to pay, but I would always receive calls from Carmax Company to let me know that I need to make a payment someone told me I could be up to 30 days late but no more then that. So ive always kept up with my payments never been more then 30 days late. I scheduled a payment on XX/XX/XXXX to be taken out of my account for XX/XX/XXXX of {$400.00} my monthly payments are {$370.00} due dates are every XXXX of the month. So I made my payment on time. I received in alert through XXXX XXXX that Carmax reported my account as 30 days late. I called Carmax and they told me I was suppose to pay my remainder of my balance in full which was of {$780.00} by XX/XX/XXXX. I was never aware of that. They never gave me a phone call to let me know of that. I thought my final payment would be for XX/XX/XXXX otherwise I would have had paid the whole balance if I would have been aware. I have never been passed 30 days late in my payments. So why would I be late in the end of my contract. So I paid the remainder of {$380.00} on XX/XX/XXXX 2 days after i had made my {$400.00} payment. My credit went down XXXX points for this reason. Carmax doesnt want to fix this on my report and they just put my account as closed. They just tell me there isnt anything they can do about it. I have tried to dispute this with them but they just sent an email saying The information you dispute is accurate and complete, so we must decline your request that we modify or delete the disputed information. 
They dont show any other information. Is there anything I can do to fix this problem. I dont want this affecting my credit report. Ive been responsible with all my accounts theyre in good standing but this has made my score go down significantly.
Consumer complaint received 2024-07-27
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: JPMORGAN CHASE & CO. (FL)

I request dispute for a charge made on XX/XX/XXXX for XXXX XXXX 
I received a temporary credit. 
On XX/XX/XXXX chase reversed the credit with no information and charged me the XXXX $ again. 
I am not able to dispute again or get information on why the charge was valid even tho it wasnt.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX/DEPT OF ED Account # XXXX XXXX/DEPT OF ED Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

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 item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MN)

XXXX XXXX I tried using new rez XXXX app to make a payment. I was able to access the application and log in. I selected the payment option and the app timed out. Newrez has serviced my loan for over a year and their app has never worked for making payments.

Their app has a contact us option. I clicked on that and it says phone # but no number is listed.

I had to XXXX  their company to find a number to call. The XXXX found wasnt for payments. I had to call a second number. 

Do they want our $ XXXX Noth8ng should be this hard. 

XX/XX/XXXX I called and talked to their service dept. I asked that they log an official complaint. About the app not working and missing phone number. Rep said I would be contacted within 48 hours. 

XXXX newrez has yet to contact me. I called again. They provided an it ticket for reference. XXXX
Consumer complaint received 2024-08-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

My car was broken into and information was stolen. I think this information was then used to open an account to purchase phones. A balance is left on my account and says I owe money to a collection agency. I requested via mail with all three credit bearus to learn more about this debt but none have responded.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (VA)

- Me and my fiance ( XXXX XXXX XXXX ) have a checking account with Citi Bank since XX/XX/XXXX. We choose to put our direct deposits and finance in this bank. 

- On XX/XX/XXXX, I requested an international wire transfer from my Citibank checking account to my new employer, which is based in the XXXX. The wire amount was approximately {$20000.00} USD to purchase company shares. 

- On XX/XX/XXXX, Citi 's security department called me to ask follow up questions about the wire transfer and at the end of the call, Citi 's representative said that all of my answers were satisfactory and that the bank would be completing my wire transfer shortly. 

- On Monday, XX/XX/XXXX with no forewarning and no communication ( no email, no phone call, no notification via text message or the Citi app ), Citi canceled the wire transfer and blocked my checking account. Later that day, I called the Citi security department and they said that the only way to unblock my account was to wait for a verification code to be sent via a letter. They said that the letter would arrive in XXXX business days. 

- I have contacted the bank multiple times over phone expressing my frustration and asking for alternatives. No option was provided, and when requested to escalate the issue the agent hangs up on me. 

- It's now been 15+ business days ( today is Saturday, XX/XX/XXXX ) and the letter has not arrived. I've called Citi more than ten times, and each time they say that I must wait for the letter and that there are no alternative ways to unblock my checking account without the code from this letter which never arrived. 

- At this point, the bank is essentially holding my money XXXX and I'm unable to access the $ XXXX USD in my checking account. This has caused me immense financial distress and embarrassment with my new employer, because it's made it impossible to complete the wire transfer which was to purchase company stock. 

- Aside from providing no alternatives to access my money after their antiquated process failed, Citi 's customer service staff have also intentionally hung up on me mid-sentence on multiple occasions. The whole situation is totally ridiculous- blocking my account after verbally confirming that the wire transfer would be completed, blocking my account for 5-7 business days to wait for a paper letter, offering no alternative solutions when the letter did not arrive, and treating me in a very unprofessional manner over the phone.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CREDIT ACCEPTANCE CORPORATION is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CREDIT ACCEPTANCE CORPORATION the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, CREDIT ACCEPTANCE CORPORATION whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure CREDIT ACCEPTANCE CORPORATION never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and pursuant to the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ), I am writing to formally request the removal of certain information from my credit report. I am a victim of human trafficking, specifically debt bondage, and as such, the debt listed below falls under trafficking-related debt.

In accordance with section 605C of the Fair Credit Reporting Act ( FCRA ), I kindly request that you block and delete the following information from my credit report within four business days : Account Name : Department of Education XXXX Balance : {$79000.00} Enclosed with this letter, you will find documentation from an advocacy group assisting me due to my status as a XXXX XXXX XXXX, which supports my request for the removal of this information. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me when the requested information has been blocked and deleted from my credit report. 

Sincerely, XXXX XXXX