davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I called Chime on Friday, XX/XX/XXXX regarding an unauthorized use of my chime card where {$85.00} was spent at a XXXX XXXX in XXXX  Texas and they sent me an automated email basically saying after their investigation they determined that no error was made and the transaction was valid. I called the number that was listed next to the transaction to ask for the address of the hotel and went their to ask them if anyone by my name *stated my name* used a chime debit card to pay for anything at around the time the transaction was showing in my chime app. The desk attendant said that they arent too sure but a white male ( Im an XXXX XXXX XXXX  btw ) did check in using a chime card with the first name XXXX and thats all they can really remember. I then asked them if they match IDs to the cards being used to book a room and the attendant said they dont typically do that for one night stays with debit cards. I dont know what type of investigation the people at chime are doing but if I can get answers from where the fraud was done in just a few hours they should be able to do more thorough investigations than they currently do. I just want my {$85.00} refunded back to me so I can close this account with this useless company that literally does nothing to protect their customers.

Also when I asked they provide the information used to determine their denial, they just sent me a XXXX of the automated email they sent stating the same thing, that we concluded no error occurred with literally no
information or proof included at all.

This bank or whatever they call themselves is a big joke.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

Open date is XX/XX/XXXX which is incorrect. Last reported on XX/XX/XXXX. This account is consistently being reported on my account when it was closed. 

I never had a contract with this debt collector for any debt.
Consumer complaint received 2024-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX and # XXXX, XXXX XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after XX/XX/year> from date I filed. Remove late payments and charge off comment, against federal law what your reporting on these payment historys and comments. Capital one credit card as paid in full and XXXX reporting late payments this year. Remove the payment history.
Consumer complaint received 2024-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (MI)

XX/XX/year> Re : XXXX XXXX XXXX ss # XXXX ( Address listed at end of letter ) Your acct # XXXX Dear Waypoint Resource acct # XXXX : I have 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 : The name and address of the original creditor and the current creditor. 
Verification of the debt amount you are seeking to collect. Including evidence that a contract exists creating the amount you claim is owned. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor scrutinized the debt. 
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 verification 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. 






Page 2 ( Waypoint Resource acct # XXXX debt assignment letter request ) 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. 



XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Michigan XXXX XXXX
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

Hello my name is XXXX XXXX my chime was. Comprise. Someone has use my card. And chime not trying to pay me my money I didnt authorize that transaction. On XX/XX/XXXX I went to the movies my charge was {$25.00}. That was my XXXX XXXX to last charge. I believe someone at the movies use my card. But I report it 2 days later. They have no proof I own that account. I dont live at that address and nor thats not my name. So why was they able to use my card? Thats so unfair to me my claim gets denied and someone use my card. I need my money.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I had a balance transfer previously and the date for the promotional APR ending was approaching so I called Bank of America on XX/XX/year> to confirm when is the last date of the promotional APR ending so I could pay off the balance. The representative said it would be XX/XX/year>. I usually ask the bank to ensure that my dates are correct and pay off on time. However, when I went to pay off the debt on XX/XX/year>, I noted an interest charge of {$140.00} on XX/XX/year> and {$140.00} on XX/XX/year>. So I called Bank of America representative again to clarify the charges. He said the last day to pay off was XX/XX/year>. I told him that he could look up the previous phone records where I talked to one of the representatives and they gave me a date of XX/XX/year> for pay. The representative replied brashly that it was his mistake and we apologize for that but I will have to pay the interest. Anyway, I paid off the whole amount and called back again a few days later and requested that interest charges be waived off as I was led by one of your representatives who told me that the last day of payment is XX/XX/year>. They refused to waive the interest charges. In XX/XX/year>, they added interest charge on XX/XX/year> of {$2.00} and {$0.00}, in addition to a late fee of {$29.00} on XX/XX/year>. Even though the last rep said they will waive off late fee charge.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SANTANDER HOLDINGS USA, INC. (VT)

As I was online only are co signer for the XXXX I'm being charged for the whole are plus more then the car is worth it's been in my XXXX XXXX for almost XXXX  years I find this not ok as the fact they are way over chargeing me
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make XXXX  statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-13
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. (MD)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (LA)

I am rejecting this response because : XXXX XXXX XXXX recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted XXXX XXXX XXXX providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. XXXX XXXX XXXX failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
XXXX XXXX XXXX continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that XXXX XXXX XXXX adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I started a savings account with citi bank a couple of years ago and i have never been able to withdraw money from them because my account was not active. I sent citi bank a letter asking them to reactivate my account and never got a response ( there is no branch in my state ). I opened a debit account with them in hopes that I can transfer my money from my savings to my debit and finally get my money and now I cant even activate my debit card when I got it in the mail. In addition, I am now locked out of my online account so I cant even access my account number so that I can give it to the customer service people.
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (TX)

I financed my 2018 XXXX XXXX with Santander Consumer USA, and everything seemed fine until I reached the end of my loan, only to find that I had a higher balance than anticipated. During the pandemic, I lost my job and faced difficulties starting a business. To manage my payments, I called XXXX times to extend the life of my loan, but to my shock, I still had a debt of over {$5000.00} at the end of it. 

Santander Consumer USA is supposed to create a reliable payment schedule to ensure a smooth pay-off, but when I called, they insisted there was no mistake and that I still owed the amount. I spoke to XXXX different representatives, both of whom told me the same thing, so I requested an escalation. The woman who contacted me refused to let me speak. I informed her that I was filing for bankruptcy and wanted to negotiate the balance before proceeding. She firmly stated that Santander Consumer USA does not settle accounts and threatened to repossess my car for a balance that was largely due to interest. I asked to speak with someone who could make a decision, but she repeatedly insisted that they do not settle accounts. I even offered to pay half of the balance as a compromise, but she wouldnt budge. If I choose to continue making payments, I would be locked into paying for another year or more.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAVALRY INVESTMENTS, LLC (FL)

What happened : On XX/XX/year>, I sent two formal Cease Communication Requests to Cavalry Portfolio Services under the Fair Debt Collection Practices Act ( FDCPA ). These requests clearly instructed Cavalry to cease all forms of communication with me regarding two debts : one for {$1400.00} and another for {$1300.00}. I took this action to protect my rights under the FDCPA and to stop any further unwanted contact from Cavalry.

Despite my clear and legally binding requests, Cavalry Portfolio Services has continued to contact me, in direct violation of the FDCPA. This ongoing communication is not only unwanted but is also a breach of federal law, which explicitly prohibits debt collectors from contacting individuals after a Cease Communication Request has been submitted.

In response to my requests, Cavalry ignored the substance of my Cease Communication Requests and instead sent letters that sought additional information, which was neither relevant nor appropriate given the context. These letters demonstrate a disregard for my legal rights and appear to be an attempt to sidestep the protections afforded to me under the FDCPA. 

This improper conduct has caused significant distress, as I believed that my rights would be respected and that further communication would cease. Instead, Cavalry 's continued attempts to engage with me have created unnecessary stress and confusion, impacting my well-being and peace of mind.

I am filing this complaint to request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate Cavalry Portfolio Services for their violations of the FDCPA. I further request that Cavalry be required to cease all future communication with me regarding these debts and that any negative information they have reported to credit bureaus be thoroughly reviewed and corrected. Additionally, I ask that Cavalry provide written confirmation that they will comply with my original Cease Communication Requests and that they have taken steps to ensure such violations do not occur in the future.
Consumer complaint received 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (FL)

I was a customer with XXXX and decided to switch to a new provider. I was only paying for service, not on the phone. I never received any notice from XXXX that I owed them money, which was {$100.00}. 

I also never received any correspondence from Amsher Collections Services to inform me that they now owned my debt. The account has been open since XX/XX/year>, and we are in XXXX, without a letter of verification sent or any outward correspondence to me. 

I have not reached out for any information, as I do not think it is fair for me to have to pay a debt that I was never informed about. I have not yet sent my certified letter to the company but I plan on it next week asking them to remove this debt off of my credit report due to the lack of acknowledgment.
Consumer complaint received 2024-08-16
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. (WI)

I am reaching out to you in the hopes that I can get the help Ive been seeking for months. In XXXX and XXXX, I was scammed out of a substantial amount of money by someone I thought I could trust with the promise that they would pay me back. Instead they latched onto various accounts of mine, and wrote me fraudulent checks to make it seem like they were paying me back. I spoke with a member of chases staff on this in XXXX or XXXX, but they didn't seem interested. I also disputed the charges with XXXX, but they told me that they can't fix it and I just have to pay back the {$26000.00}. I did close out my bank accounts and create new banking information and filed a police report with the XXXX Police Dept. I am hoping to get some assistance on this, since none of this is like me and I'm hoping my credit and my name can be cleared
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

Subject : Request for Debt Validation under the FDCPA and the Florida Consumer Collection Practices Act SUNRISE CREDIT SERVICE , INC - XXXX Dear SUNRISE CREDIT SERVICE , INC, I am contacting you regarding the alleged debt mentioned above. This is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g to request validation of this debt. 

Pursuant to my rights under the FDCPA, I am requesting the following : Debt Collection License Information : I would like more information about your company before discussing the debt with you. Does your company have a debt collection license from my state? If not, please indicate why. If so, please provide the license date, the name listed on the license, the license number, and the name, address, and phone number of the state agency that issues the license. 

Debt Validation : Detailed evidence of the existence of the debt, including the original signed contract supporting the payment obligation, complete account history, and any documents showing that you are legally authorized to collect this debt. 

Original Creditor 's Name and Address : Please provide the name and address of the original creditor, as well as any agreement or contract signed by me, confirming my legal responsibility for the debt.

Itemization of Charges : A detailed description of the amount owed, including any interest, additional fees, or costs that have been added to the original debt.

Proof of Authority to Collect : Documentation showing that you have the authority to collect on behalf of the original creditor and that the debt has not been settled, sold, or transferred to another creditor.

Pursuant to Section 1692g ( b ) of Title 15 of the United States Code, until the debt is validated, no further collection action will be taken, including negative reporting to the credit bureaus. 

Finally, I also request that any future communication regarding this matter be in writing and sent to my address. Pursuant to law, I expect your response within 30 days of receipt of this letter.
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (MO)

XX/XX/XXXX made payment they said would be returned when loan payoff was backdated to date of loss on insurance. XX/XX/XXXX was informed it was met refunded. Also wasn't refunded XXXX from canceled extended warranty they said is shown on their computer. They are holding onto this money to take advantage of high interest rates.
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I became ill and fell behind on my car loan. I dont understand the late fee of {$140.00} each month, which seems very high and unreasonable. 
Current Payment Due : {$480.00} Past Due : {$330.00} Late Fees : {$140.00} Total Due : {$960.00} Payment Due Date : XX/XX/year> ACCOUNT INFO Principal Balance : {$13000.00} Payoff Amount : {$13000.00} Payoff Good Through : XX/XX/year> TRANSACTION HISTORY Transactions between XX/XX/year> - XX/XX/year> Date Description Principal Interest Total XX/XX/year> Payment Received- {$420.00} - {$63.00} = - {$480.00}