davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Yakima County Credit Service, INC (WA)

On my XXXX attempt, 14 months ago ( XX/XX/XXXX, ) during a phone call with someone named # XXXX at XXXX XXXX, I requested a copy of the contract with XXXX XXXX XXXX. I informed YCCS A National Collection System that I never signed into a 1-year contract with XXXX XXXX XXXX XXXX I informed them that they are attempting to collect a debt that is not mine. I was never sent what I requested 14 months ago, nor can YCCS provide proof that they sent me a copy of the contract I requested. 
14 months later, after I called YCCS, they did finally send me a copy of the contract I requested. I called YCCS on XX/XX/XXXX, at XXXX XXXX, after I received a collection notice from them. I informed YCCS during my 2cd discussion with them that, again, they are attempting to collect a debt that is not mine. 
XXXX at YCCS lied to me and said my signature was on the contract with XXXX XXXX XXXX XXXX. The calls with YCCS are recorded calls and they lied to me 2 times by telling me they sent me a copy of the contract I requested on XX/XX/XXXX and by telling me that I signed the contract. 
I have attached a copy of the contract. Please note the following : states that the agreement is with XXXX XXXX, not me. 
states ( by the XXXX owner ) that XXXX XXXX signed up herself, XXXX XXXX and XXXX XXXX for a XXXX membership. My signature is nowhere on the contract. 
the contract is signed by XXXX, whos name begins with a XXXX  letter, my name does not begin with a XXXX  letter. 
My name is listed, but no signature binding me to the contract. XXXX added me to her account. 
No signature binding me to the contract, again the signature of XXXX XXXX is on the contract. 
Name of XXXX XXXX listed ( minor ). 
Signature of XXXX XXXX, again no signature binding me to contract Emergency Contact # 1 name misspelled and a different address listed than 1 for XXXX XXXX for the gym membership. 
I request the YCCS A National Collection System CEASE & DESSIST collecting this debt on me, XXXX XXXX XXXX. I am not bound to this agreement. My signature nowhere on the contract. 
I have attached the contract and the areas of significance are highlighted orange. Also, a copy of the only collection notice I received from YCCS 14 months after I contacted them. Additionally, I attached the unprofessional handwritten envelope the contract was sent in. I never received anything like this in the past from YCCS. XXXX lied to me about sending it 14 months ago.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CT)

Chase Bank closed my account. I do not want to do any business with them as I am free to close my account and decide who to partner with, not them. After my account was closed, Chase started charging me fees for getting it closed. These fees are not legal under any jurisdiction, and should be removed from my account ASAP. The total fees Chase scammers charged me is {$42.00}. They have to crddit my account to that amount in order to balance it. Otherwise, they will get into a lot of trouble.
Consumer complaint received 2024-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC (OR)

I am submitting this complaint against Global Lending Services LLC, requesting to maintain my anonymity due to serious concerns for my personal safety and privacy. 

This complaint centers around an agent at Global Lending Services LLC, who, after our professional interactions, inappropriately used my personal information to contact me for personal reasons. This agent was not only privy to highly sensitive information, including my home address and social security number, but also expressed intentions of pursuing a personal relationship outside the professional scope, which is highly unethical and frightening. 

Disturbingly, it has been brought to my attention that this individual was previously terminated from employment due to XXXX harassment allegations. Despite this history, Global Lending Services LLC chose to hire and subsequently promote this individual within their ranks. Even more concerning is the fact that his promotion came with high recommendations from the head of his department. This endorsement, despite his known history of inappropriate behavior, is incomprehensible and alarming. It suggests a systemic failure within the company to recognize and act upon significant red flags regarding employee conduct. 

It has also been revealed that once the company was made aware of his behavior, their response was merely to transfer him from one department to another, rather than addressing the underlying issue. This practice of ignoring and, in effect, enabling such behavior places clients at risk and questions the company 's commitment to ethical standards and customer safety. 

The knowledge that someone with a history of misconduct was not only employed but recommended for promotion by senior management has exacerbated my fears for my safety. It is unacceptable for a company to so negligently handle such serious concerns, especially when it pertains to the safety and privacy of their clients. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into my claims and to hold Global Lending Services LLC accountable for their actions, or lack thereof, in dealing with such serious allegations of misconduct. The company must be questioned on their hiring practices, their process of internal promotion, and their response to allegations of inappropriate behavior by their employees. 

Thank you for your attention to this distressing matter. I trust that the CFPB will take the necessary actions to ensure justice is served and that measures are implemented to prevent similar incidents from occurring in the future.
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (NY)

This debt collector has been sending me very stupid emails earlier this year constantly, never called and never sent mail. Just stupid emails threatening me saying they will not let this go and generally trying to intimidate me. 

I called them and was told it was from XXXX XXXX, I was also told they would not stop emailing me unless I sent a letter asking only for mail communication. I did so in XX/XX/XXXX, I requested validation and verification and for all communication to be via mail, no more stupid emails. 

I never heard back. 

On XX/XX/XXXX they placed a debt of {$160.00} on my credit report. In XXXX I spoke to XXXX and was told this was from missing gym fees and an annual fee charged in XXXX. 
I explained to This debt collector when I called and via mail, I no longer lived in XXXX  and attempted numerous times to cancel my membership with blink way before XX/XX/XXXX and XXXX gave me the run around. XXXX  has a habit of doing this and refusing to honor member cancellations. 
I explained to This debt collector I owe maybe 1 or 2 months gym fees but not the annual fee. I had cancelled my membership long before that. 

I simply never heard back from them. As I said no longer live in XXXX but I have all my mail forwarded to me and I have received nothing from them. 

It is XX/XX/XXXX and they took a harmful action against me in XX/XX/XXXX without following the law, they did not provide the information requested. They simply did not communicate. They obviously received my letter since the emails stopped instead they ignored it and now illegally and purposely are causing harmful injury to my credit record.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

Despite being impacted by hurricane beryl maybe Federal didn't even try or consider the impact when I made a request to have an overdraft fee refunded. Under most circumstances I can understand this but due to not having power for about a week and needing all the funds I can for gas and food every little bit would help. 

They didn't offer to do any additional steps or measures and just said they the decision was final.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

To whom ever this may concern my name is XXXX XXXX XXXX. XXXX reaching out on behalf of my credit report /credit score. I was a victim of fraud and fraudulent activity. I sent in hand written documents as well as POLICE reports to prove the identity theft.my credit score and credit report were damaged by this. As a result like I said before I sent out police reports hand written documents to the federal trade commission, Experian, XXXX, XXXX. As of now my credit score is still low because of the crimes and my credit report has delinquencies and late payments because of these fraudulent accounts that lingered on my credit report. At this time i appreciate anything you can do too help generate me a very high credit score for this happening any compensation would be greatly appreciated for this has been very hard too live with Im been facing hardships, poverty, homelessness due too these crimes I never committed.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

I opened a secured card. Within XXXX  months it would be converted to a regular card eligible for limit increases. I meet the maturity date with no late payments, no over the limit fees, and no return payments. My account does not get converted. I reach out to Citi and they tell me I have a new maturity date about a year from the first maturity date. They have not explanation as to why it's not being converted but I continue with the account. The next maturity date comes and goes. I call again and they advise I would not convert to a regular card and be eligible for increases and no reason was given. They just told me to apply for other cards. I had no intention since it was bait and switch with this one.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COMMUNITY FINANCIAL SYSTEM, INC. (OH)

I opened an account with XXXX XXXX 's community bank in XXXX XXXX XXXX - I have had an enormous amount of fraud since I opened this checking/Savings account with a debt card. They knew my account had fraud but never went line item with, I am XXXX and needed and asked for their help and they did not help. 

I have one major offender XXXX that has charged me twice ( maybe more, trying to get all my statements ). for XXXX on both XX/XX/XXXX and XX/XX/XXXX- XXXX stated they will return my money if I go thru the bank to help me and the bank will not help me. 

I did live in VT but moved back to XXXX  in XXXX, I asked the bank before I left to freeze my account in the spring of XXXX as there were suspicious charges and XXXX should not have charged me as I did not live in VT. The bank refused to freeze my account. I called, I wrote letters, I returned my checks, and debt cards and they still did not freeze my account. Then my account was in arears and I had to pay, if they would have frozen my account liked I had asked several times this would not have happened. As well, they never took the time to go line by line on my statements and I have had more than 20 line items of fraud on my account. They just kept giving me another debt card knowing well that I had fraud. 

I even sent them notarized letters as they said my letters, even thought they included my checks and debt card was not notarized. Even notarized they did not freeze my account as that is evident by XXXX and XXXX monthly charges that I did not approve. 

I have scanned my statements, which they also are refusing to realize I live in Ohio not Vt and all my letters show my Ohio address.
Consumer complaint received 2023-11-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (SC)

XX/XX/scrub>XXXX XXXX I'm seeing on my credit report that this account was open on the date listed. 
I never had this account open in my name. I asked for the agreement when this account was opened. Where did this account got open at. My signature, time, Id that were given when this account was open. The address that listed for this account. This company can't give me this information because I never open this account on the date they have listed for the amount. Again, this isn't my debt, and I have been asking this company to remove this off my credit report and to send me this information.
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (KY)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY (WI)

I was informed Wells Fargo replaced XXXX XXXX Credit Card around XX/XX/XXXX, With XXXX XXXX XXXX, their choice I did not request. XXXX XXXX had no numbers on it and they had to send new card. I received new card. 
I received a letter on XX/XX/XXXX dated XX/XX/XXXX Stating I must Fax or go in person to provide Tax papers from previous year. The letter XXXX that the Consumer Financial protection Bureau is asking for the information to be in compliance with regulatory requirements. 
I went in person to Bank with the info asked for. The Bank had no idea really why this info was needed. Their Solution was to cancel XXXX and have me come in with my Articles of Incorporation an fill out new application. Now it says I canceled my card because i don't need it. Of course this will mess up my credit. We discovered that after my visit to bank in XXXX To correct that my husband was not on the account but was on the initial application paper work, That was indeed NEVER corrected. 
I tried to call. The numbers provided on the back of the credit card and the Credit card statement do not bring a customer to the Credit Card department. I had to go through XXXX agents and about XXXX minutes to get someone from the Credit Card Department. I was told by agent this Government agency is requesting my last year tax info, as bank is missing information. I asked what information was missing and they could not provide an exact answer. The number I am asked to Fax to is XXXX XXXX XXXX XXXXXXXX. I have no idea what this is. 
I have been a customer personal and Business for around XXXX  years or more. I'm sure they have any and all financial information about me they need or can freely access. 
Please note the card is Canceled per their suggestion.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, am requesting that Experian and XXXX follow suit and remove the account XXXX XXXX XXXX XXXX. XXXX has since removed the account due to inaccurate reporting. This account was last reported in XXXX, yet you are reporting XXXX. Please provide relevant documentation for your claim. Your inaccuracy is causing stress and many lost opportunities. The account is over 7 years old and should have been deleted in XXXX. The company has also failed to send a form 1099c for the alleged charged off account. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report without a 1099c present. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. If you did not receive this from the company remove this account immediately.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit and they have multiple " late payments '' on my credit report.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (FL)

I was denied credit by XXXX XXXX XXXX on XXXXXXXX XXXXXXXX. They listed several credit reporting companies. On XX/XX/year>, I wrote each company asking for a copy of my credit report. 
XXXX XXXX will not send me a complete copy of my credit report. They send a URL link that does not work. I want a printed paper copy of my report. 
they keep sending form letters. 

Please make them send me a copy of my credit report.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

USAA stole my money! They debited my loan payment from my account twice! They will not give me my money back! The duplicate payment caused my account to be overdrawn. My credit card was charged {$200.00} to cover the overdraft without my permission. My scheduled transactions are causing the account to be overdrawn even more. I called XXXX about the duplicate transaction and nothing has changed. I called XXXX  about the duplicate transaction and nothing has changed. They told me I have to wait XXXX weeks for the money that they stole to be returned to me. If it was me that owed the money, I would have to pay it immediately.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. This inaccuracy is causing me significant financial distress and need immediate attention. I kindly request that you investigate and, if necessary, remove this item from my credit report. 

XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (UT)

My mortgage was paid in full on XX/XX/2019. According to AmeriHome prerecorded message any refunds will be processed within 20 days ( not business days ). Today is day 21, and I still have not received my escrow refund of {$1800.00}. I've emailed and called customer service. I always get a " canned '' response that it takes between 20-30 business days to issue a refund of MY escrow funds. Why does it take so long to issue a refund? Why is the message given to the consumer not the same as the prerecorded message? Why does it take so long to issue a refund? This money does not belong to the mortgage company.