davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OK)

I have a checking account with CHIME with direct deposit. On XX/XX/XXXX my account was hacked and two unauthorized withdrawals were made. One for {$100.00} and one for {$590.00}.

I contacted CHIME via telephone and explained what had happened. They reimbursed the {$100.00}, but denied the {$590.00}. I couldn't understand why it was a split decision when it was the exact same type of situation, just a different amount. They were vague at best as to why. Wednesday XX/XX/26 I had a conference call with CHIME and my XXXX XXXX XXXX agent. We were on the phone for an hour with the same run around and passing off from this department to that department with the same result. No valid explanation and no resolution. My agent suggested that I contact your organization.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Phoenix Recovery Group (TX)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. They are required for me to give permission to have this account furnished on my report under 15 usc 1681a2.
Consumer complaint received 2024-08-29
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: BANCO POPULAR DE PUERTO RICO (PR)

I am disputing an inquiry made by Banco Popular on XX/XX/year>, that appears on my credit report. I did not authorize this inquiry, and there is no record of my consent for this action. I have reached out to Banco Popular to provide any documentation proving that I authorized this inquiry, but I have not received any response or evidence supporting their claim. This unauthorized inquiry is negatively impacting my credit score, and I request that it be removed immediately from my credit report.

Please investigate this matter and take the necessary steps to correct my credit report by removing this unauthorized inquiry.
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: ZWICKER & ASSOCIATES (CT)

So i have accounts with these credit card companies and someone i know has been sending full balance payments on my payment dates with my minimum payment amount. I'm not sure this is the right department but the money did not pay the remainder of the bill. If it is possible to check emails that were confirmed with the payments and the transactions might of been going overseas so that they would stay under the radar. Since XXXX my account and credit score has been really fishy, with lenders and creditors denning me for absurd reasons. This might be because they have conflict of interest effecting there legal actions, So my creditors are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i just wanted to say maybe you should look into this and the other companies because this country is going bankrupt and there doing a lot of illegal things to either cover up things or commit fraud under the radar. A lot of bribery from the people that hold American citizens SSN 's and there info in the year XXXX.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for a credit card and was denied I contacted their underwriting department to fix a false and misleading denial of my unlimited credit based on title 15 subsection 1611 they have refused to fix this issue and is in violation of this title under federal law I have tried everything when I call they transfer me to the wrong department every time just trying to avoid me the company is American express
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Spring Oak Capital XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : 2nd Request for Debt Validation and Assignment Contract Dear Spring Oak Capital Account # XXXX To Whom It May Concern, This is my second request for the assignment contract and debt validation documentation regarding the debt you claim to own. You responded to my initial request but failed to provide the necessary documents, specifically the assignment contract showing that this debt legally belongs to you. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide verification of the debt, including proof of the assignment or sale of the debt to your company. Failure to provide proper validation of the debt, including the assignment contract, is a violation of federal law and could lead to legal consequences.

Additionally, you mentioned that a letter was sent to the above address advising that you are trying to collect a debt. No such letter has been sent or received. Please provide proof that this letter was sent and received by me, including any evidence of mailing and delivery confirmation.

Please provide the following without further delay : 1. Debt Validation : A detailed accounting of the alleged debt, including the original creditor, the amount owed, and any relevant transaction history. 
2. Assignment Contract : Documentation that demonstrates your legal right to collect this debt, showing the chain of assignment from the original creditor to your company.

3. Proof of Communication : Evidence that the letter you claim was sent was indeed mailed and received by me.

If you are unable to provide these documents, I request that you cease all collection activities and remove any negative reporting related to this debt from my consumer report. 
Thank you for your immediate attention to this matter. I expect a response within 30 days of receipt of this letter, as required by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (FL)

I requested A deferment due to I am going through a hardship and requested a deferment in XX/XX/year>. Upon speaking to the lending company for my vehicle last week. I found that the lending company is changing the terms of my contract. I am being told that every payment I make is a month behind and I will have to make a double payment to be caught up when the month that was deferred for XXXX payment was added to the end of my loan contract
Consumer complaint received 2024-09-18
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: EQUIFAX, INC. (FL)

This morning, I discovered unauthorized inquiries on my credit report, and Im clueless as to why theyre there. I routinely check my report, but today I saw unexpected discrepancies. I even refreshed the page, thinking it might be a glitch, but the inquiries didnt go away. I urgently request that the documents Ive submitted be reviewed carefully to resolve this matter so I dont have to deal with this stress again.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

My Checking account with Navy Federal was Fraudulently debited XXXX by XXXX XXXX XXXX XXXX on XX/XX/24 while I was on a Cruise Vacay in XXXX XXXX I did not authorize or make this charge and have reported it to Navy Federal Fraud Dept with no resolution. They have denied my Claim twice and fail to provide me with details of the investgation, contact info of XXXX XXXX XXXX XXXX XXXXXXXX XXXX any receipts of this Transaction. I have repeatly requested this information and Navy Federal refuses to provide this information to me or reimbuse me back my funds.
Consumer complaint received 2024-09-18
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: EQUIFAX, INC. (MS)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Select Portfolio Servicing , Inc., as of yesterday evening, XX/XX/year>, is continuing to proceed with the foreclosure sale date of XX/XX/year>, while I have a ratified contract scheduled to go to settlement on XX/XX/year>. If SPS is allowed to foreclose on my property, I will lose over {$150000.00} dollars, which I desperately need to help support myself, as I am going through a marital separation. I am XXXX XXXX XXXX, a XXXX XXXXXXXX XXXX woman who needs every XXXX XXXX to survive, as my only income is Social Security. SPS knows this, as I have expressed that I need to sell my home for these reasons. I need the CFPB help! SPS says they are not discriminating and attempting to help me ; however, their actions are not reflective of their words. How does forcing a foreclosure sale when it can be postponed for 30 days to allow closing, receive a total payoff, and I can actually receive the equity due to me from the sale? These are predatory practices when the Lender is claiming to help you and doing all they can to only proceed and complete the worse possible action. I am being robbed of my lively hood. I know SPS has violated the ECOA and Predatory Lending. This is a clear case of bait and switch and equity stripping! Please help a XXXX citizen live out her remaining years in peace. I am just attempting to sale my home, pay SPS off and receive my equity. PLEASE HELP!!!
Consumer complaint received 2024-08-30
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 (MI)

The dates are alot of actual dates I cant provide every transaction date because I just got out of XXXX but I have supporting documentation of each date it was fraudulent transaction made on my account
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. ()

I was unnecessarily forced to open a XXXX  account XXXX for transacting a small amount of personal wealth when one XXXX banking relation with XXXX  was sufficient. I had XXXX  XXXXand later they changed it to XXXX when i was XXXXXXXX XXXX XXXX should have continued to pay me in XXXX instead forced me to transfer some money and then using that as the reason i was not reemployed in XXXX or retired or my personal wealth options enforced to have income as XXXX XXXX  of XXXX  I had only three members in my family my mother XXXX  and XXXX  XXXX. My XXXX  is XXXX  and XXXX is a XXXX  person and i am forced to interact with those i really dont like to interact. The thieves prevented me from maintaining alimony to XXXX. I paid XXXX XXXX. She was under custody of a XXXX  XXXX XXXX and they are corrupt and have attacked me using a XXXX XXXX XXXXXXXX, prevented me being retired in USA in XXXX. 
I suspect a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for sending a statement to their address when i was renting in XXXX XXXX apartments. This is Breach of trust by large organisation of thieves. They did not let me leave sun.com with my personal wealth that i can enjoy treasury rate interest or offer me a position or give me unemployment income through XXXX and this is XXXX  years of labour exploitation. I also suspect XXXX XXXX making me an offer in XXXX INSTEAD OF INHERITING ME XXXX XXXX AS MY WEALTH OR RETIRING ME USING XXXX XXXX, I WAS HARASSED BY XXXX XXXX AND SHOWN AS NOT INTERESTED IN RESIDING IN XXXX  AND FORCED TO SIGN XXXXXXXX. THIS ORGANISATION OF THIEVES IS STEALING MY MONEY SHOWING MY ADDRESS AS XXXX XXXX XXXX XXXX A SUSPECT BHARAT BUILD A GATE INTO IT XXXX TO EXPLOIT ME. I AM NOT WITH XXXX I HAVE NO CASH FORCED TO USE AN XXXX XXXX XXXX in XXXX. i AM NOT PAID EVEN MONEY TO ENTER XXXX AND SOLVE THIS IN AN XXXX  ACCOUNT XXXX I DO NOT NOT LIKE. i AM HUMILIATED AS A XXXX TO CONTINUE THIS THEFT. I have not stayed in XXXX XXXX XXXX  past XXXX. 

AGAIN I NEED CITIBANK  TO FLY ME BACK TO USE AND RETIRE ME USING XXXX OR REVERSE ALL PAYMENTS LOSS BECAUSE OF OPENING CITIGOLD XXXX I am in XXXX and found the house XXXX has stayed dilapidated. This is a large organisation of thieves not giving me my money exploiting a personal relation separation. I paid XXXX to her in XX/XX/XXXX i would have paid again and reunited with her if i was employed in XXXX or retired. I do not know where she is. some contents of this form has been destroyed by unknown .. my keypad backed and deleted. This is theft of like XXXX dollars a year unemployment treasury rate income since XXXX. Thats XXXX dollar theft.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 XXXX Acct # XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

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 : It 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 seven 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 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Metro Collection Service Inc. (TN)

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim I owe {$11000.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And also you are reporting an inaccurate address which means i have never received any mail from webber about an alleged debt that i owe them. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. 

whats attatched... 
bbb complaint your " proof '' Dispute Letter
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Select Portfolio Servicing is our loan servicer. We went through the loan modification process. SPS honored the modification for one month. Today, I received a foreclosure notice in the mail. SPS claims we have not made a payment since XX/XX/year>. I can no longer access my account online nor can I make a payment as a guest. I also can not get past the automated attendant when calling the XXXX XXXX. We made the lower monthly payments SPS determined as sufficient. Why did SPS foreclose?
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MO)

Hello- We have had the XXXX XXXX XXXX since XXXX. 
We have never been late before XXXX XXXX. I realized in XX/XX/XXXX we never got the bill. I called to tell them and pay the bill. That was XX/XX/XXXX and they returned the late charge fee {$64.00}. Once again, the mail messed up and the bill came this time but after the due date due to snowstorm in XXXX XXXX. I thought everything was taken care of with my payment in XXXX. I set-up automatic payments so this never happens again. In XXXX years with excellent credit score we have not had a problem. Citi has showed no grace. They have upped my new interest rate punishing me for the missing bill. Now they are charging me 29 % since XXXX. I asked them why and to appeal. They talked to my husband the main account holder. They said because of the XXXX ... what XXXX late bills they are charging me more. How is that fair. And they won't give me a lower rate until I request again in XXXX months. I upped the amount per month to pay it off sooner and then I will close the card when paid off. This seems like a game. They are making a fortune off of everyday people. 

Corporate greed.
Consumer complaint received 2024-09-11
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: CITIBANK, N.A. (CA)

Re : Dispute XXXX CITI Credit Card XXXX XXXX Dear XXXX, We upgraded our XXXX XXXX concert tickets to the XXXX XXXX XXXX which included access to the XXXX XXXX. This XXXX XXXX was granted from XXXX XXXX XXXX as shown on XXXX XXXX instructions. We would not have had access to this XXXX had we not purchased this upgrade with the tickets we had. These are all facts that can not be disputed by the merchant. A large part of our purchase decision was based on having access to the XXXX XXXX from XXXX to XXXX, which is a longer timer period than the other items included in this XXXX XXXX upgrade ( more than 50 % more time, which is why I am requesting a 50 % refund ). We knew about XXXX XXXX access before we purchased this upgrade. 

This XXXX was a temporary tent in a parking lot outside the venue, with port-a-potties. There was not enough seating for everyone present and half the limited number of chairs were in the sun. This was not a relaxing room it was a tent in a parking lot with no air conditioning. These photos were taken before about XXXX people showed up, which was more than triple the amount of seating of XXXX chairs. How can this be considered a lounge if you cant even sit down and relax? This is truly false advertising. 

A lounge is defined as a room in a usually public building or vehicle often combining lounging, smoking, and toilet facilities according to XXXX XXXX. XXXX defines it as a place for sitting, waiting, smoking, etc., especially a large public room, as in a hotel, theater, or air terminal, often with adjoining washrooms. XXXX defines it as a comfortable room where people can spend time while they are waiting in an airport or other public place. 

If you perform a XXXX image search for XXXX  XXXX absolutely NONE of the images resemble what we paid for. I implore you to do the same image search and compare images. 

As you can see, this was not what we purchased. We purchased an experience with XXXX hours of XXXX XXXXXXXX access. This was not a room, it was a outside tent. This was not comfortable ; it was outside in the heat with not enough chairs. This was not labeled as a XXXX  XXXX- It was mentioned multiple times as a XXXX XXXXXXXX. To even get to this location, we had to exit the venue ( which has no in and out privileges ) and walk down to the middle of a parking lot! 

As half the time period of this experience was clearly not as labeled, I need a 50 % refund. This is reasonable. I have enclosed photos. 

This is misleading and deceptive advertising. This simply was NOT a VIP XXXX. For this reason, we deserve a 50 % refund. A tent in a parking lot outside the concert venue with port-a-potties is not a lounge.