davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Corp Solutions Inc. (AZ)

I previously filed a complaint against XXXX XXXX XXXX in regard to their debt collection practices. The bullet points of that previous complaint were they never provided me proof of debt owed when requested, they called me repeatedly -- frequently calling XXXX times or more within a XXXX period attempting to collect this debt, threatened to contact family members as well as calling me before XXXX and after XXXX. These are all violations of the Consumer Financial Protection Bureau. 

In my initial complaint I attached a call log from their phone number XXXX showing all the missed calls coming from their company in XXXX,XX/XX/XXXXI'm also attaching an updated missed call from their company that took place yesterday ( XX/XX/year> ) at XXXX am which is before XXXX. 

The company responded to my initial complaint on XX/XX/year> stating I filed a complaint against the wrong company. I filed my initial complaint against XXXX XXXX XXXX on XX/XX/year>. The very next day on XX/XX/year> for the first time ever they emailed me attempting to collect a debt -- which I screenshotted and am attaching. 

If I filed a dispute against the wrong company on XX/XX/XXXX, then why the very next day is this company emailing me attempting to collect the debt I'm disputing? XXXX XXXX XXXX pretended like I wrongfully filed a complaint against them and since that time I've received more email communication from XXXX XXXX XXXX as well as repeated phone calls attempting to collect a debt I do not owe. 

This company is corrupt, liars and are shysters They are using deceptive methods to attempt to collect a debt. 

On XX/XX/XXXX, prior to XXXX XXXX XXXX responding to my complaint on the CFPB website, that day I filed a separate complaint against them on the Better Business Bureau. It was only then that XXXX XXXX XXXX decided to respond to my CFPB complaint and they very clearly lied in their response. 

I am attaching documents showing the XXXX XXXX XXXX missed call log of XXXX XXXX, calls received before XXXX -- along with their attempted email collection practices clearly showing they know who I am, and that I did not file a complaint against the wrong company.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax and XXXX data breaches. I have noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-06-27
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. (FL)

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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (CA)

Fraudulent credit account opened in my name XXXX XXXX XXXX XXXX XXXX with Affirm. I noticed it on my credit report, and opened a dispute with both XXXX and Affirm. I have called numerous times, each time a new dispute is opened and I'm told that I would be contacted. I am never contacted. A few months ago, I enlisted help from XXXX XXXX XXXX to assist. Affirm still has not contacted me related to this account and has not provided any additional information related to a resolution. Every time we call, someone says they will make a note and someone will get back to me. It's been 7 months. 

Account opened : XX/XX/year> Dispute Case # XXXX
Consumer complaint received 2024-06-27
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. (TN)

I have not supplied proof under the doctrine of estoppel by slience engerlhard v gravens ( mo ) 281 sw 715719, I presume that no proof or illegal debt nor therefore and such debt, in fact therefore exists.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

To Whom It May Concern, I am writing to inform you that there is no signed agreement between myself and JP Morgan Chase Bank XXXX. I have recently discovered that my identity has been stolen, and unauthorized accounts and transactions have been made in my name. This letter serves to clarify my situation and to formally dispute any such accounts or transactions attributed to me, specifically account number XXXX. 
Firstly, I would like to emphasize that at no point have I entered into any agreement, either verbally or in writing, with JP Morgan Chase Bank XXXX. I have not applied for or signed any documents to open accounts, apply for loans, or conduct any other financial activities with your institution. 
Upon reviewing my credit report and bank statements, I was alarmed to find an account ( number XXXX ) attributed to my name, with a total amount of debt owed being {$14000.00}. This account was opened and used without my knowledge or consent, which indicates that I am a victim of identity theft. 
To address this situation, I have taken several steps to protect my identity and rectify the fraudulent activities. I have filed a report with the Federal Trade Commission ( FTC ). 
Furthermore, I will be contacting the major credit bureaus to place a fraud alert on my credit file. This will be to ensure that no further fraudulent activities can occur under my name. I urge JP Morgan Chase Bank XXXX. to investigate this matter thoroughly and to take the necessary actions to remove the fraudulent account and associated debt from my records. 
I request that JPMorgan Chase Bank XXXX send me written confirmation that you have received they have received the dispute and that the account and debt in question have been removed from my name. Additionally, I ask that you provide any information you may have on the perpetrators of this identity theft, if available, to assist in the future investigation by the authorities. 
This experience has been incredibly distressing and has caused significant disruption to my financial stability and personal peace of mind. I trust that JP Morgan Chase Bank XXXX. will handle this matter with the urgency and seriousness it deserves, ensuring that my rights as a consumer are protected. 
Please acknowledge receipt of this letter and confirm the actions you will take to resolve this issue. I look forward to your prompt response and resolution of this matter. 
Thank you for your immediate attention to this critical issue.
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I found the letter ( see attachment ) from Midland Credit Management as disingenuous, misleading, non-responsive and did not validate the debt they allege I owe. 

This is also ton inform you that they are still in violation of the The Fair Debt Collection Practices Act by continuing to ignore my requests and sending me with non-responsive letters.

Moreover I never disputed the fact that they are licensed in the State of Florida as their letter states ( see attachment ). 

As for their claim of reputable company, they need to check the court dockets across different States courts and Federal courts. It says a lot about the reputation of their company. 

I am requesting again that they provide me with documentation proving the debt they allege I owe and to cease all collection activities including their referal to their attorneys XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX as they refer to them ). This will be my foourth or fifth request. 

You help in this matter is greatly appreciated.
Consumer complaint received 2024-07-23
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: CITIBANK, N.A. (NY)

XXXX, XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am writing to dispute the following information in on XXXX XXXX file. In Accordance to XXXX XXXX XXXX a ( XXXX ), I did not give written consent to have this account placed on my report by this agency. Please remove this accounts immediately, as my rights are being violated. 

Please update me, when this item is removed as soon as possible. 

Accounts and XXXX violating my rights that I wanted removed. 


Inquiry : XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX enclosing my Drivers license, social security card and a current utility bill to verify my identity and address.
Consumer complaint received 2024-07-24
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: Westlake Services, LLC (GA)

After looking at my credit report. Ive seen an excessive number of hard inquiries that appear to be credit inquiries in which I have not authorized by any company. Ive attempted to reach a resolution with the companies as far as providing documentation of applications with my signature and they have been unable to provide. This is severely impacting my credit. 

Dates include XX/XX/XXXX until XX/XX/XXXX I am seeing hard inquires from XXXX  XXXX, Westlake Financial Services, XXXX  and many more. My current credit report is reflecting XXXX hard inquiries.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (FL)

Credit Karma. in regards to the Credit Karma guarantee. I submitted a credit card application which was Karma Guaranteed through creditkarma. This credit card application was denied, which would provide for a {$50.00} prepaid card or gift card. I submitted a help ticket on XX/XX/year> # XXXX, which confirmed my denial and to wait for the e-mail with next steps. On XX/XX/year>, i submitted yet another ticket # XXXX for clarification, received a response on XX/XX/year> that stated creditkarma responded, i replied back that this was not resolved. On XX/XX/year>, yet again i submitted a response, and received a note saying they did not receive a response and closed the case. I submitted yet another ticket for remedy # XXXX Received a generic response saying they did not receive a response. I replied and stating this was the same generic response and that we are fast approaching the 2 months with no follow up email with ways to claim the incentive. Again on XX/XX/year>, i submitted yet another ticket # XXXX stating that i have yet to get ANY response or ANY resolve for the Karma guarantee that was not paid, after numerous support tickets with generic response saying to wait and follow the instructions on the forthcoming e-mail. I would like to file a complaint that this was fraudulent or misleading that i can not receive what was " guaranteed ''
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

I have been issued a few refunds from different nerchants into my chime banking account however chime is not putting these funds back into my account. They are doubling charges made to nerchants causing my bank acct to go into over draft. When I call them to ask about the transaction they tell me to get in touch with the merchant that they have no control over this. But they are sending me notifications telling me the money is in my account when it's clearly not!! 

XXXX refund {$17.00} supposed to be issued XX/XX/XXXX still haven't recieved. 
XXXX stores charge of {$71.00} charger twice not by the merchant but by chime I have spoke to the merchants finicial department they have only one charge on file. Chime deducted this twice. They refuse to release the charge that has made my acct go into over draft A charge of XXXX from XXXX XXXX  another double charge because of chime was said to have been released back into my acct has never been put back when I called to check on this they state that the merchant hasn't released the funds however I have from chime the message stating they released the pending charge and find we're added back to my acct they have never been added money has been deducted from my acct and when I call they say they havent done any thing to my acct. but it shows clearly on my banking app. 

I need help recovering my funds please. I can't even get by right now because of all this a
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 

THE FOLLOWING ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE FOLLOWING IDENTIFIER ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOLLOWING EMPLOYER ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: NORTHWEST BANCSHARES INC (NC)

This account was for my dad who died and was wrapping up his estate and closing things down - they started charging fees so I withdrawal all the money then they continued to charge fees. I asked them to refund the last months of fees and close the account and they refuse to close the account and reverse the fees on an account had a XXXX balance. This was a long time client of theirs who died. They will not close the account.
Consumer complaint received 2024-07-23
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: JPMORGAN CHASE & CO. (NV)

As of XX/XX/XXXX ive received my credit report XXXX And on that report, I had to hard inquiries printed in dark red that XXXX not familiar with, and this is what it reported JPMCB CARD XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX started XX/XX/XXXX and will continue on credit report until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX REASON : UNSPECIFIED started XX/XX/XXXX and will stay on credit report up until XX/XX/XXXX I was told by experience to file a police report and contact the federal trade commissioner about this fraudulent information. They all got information from me. They took down information and they requested that I go and file all three credit Brewer and with the federal commissioner.
Consumer complaint received 2024-07-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC (SC)

Mariner Finance has been advised many times in the past not to call me or contact me at work. Mariner Finance continues to call me during work hours on my work phone. This is a violation of the FDCPA which Mariner continually disregards.
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc. (GA)

On XXXX XXXX, I discovered that an auto loan had been opened in my name with Carmax Auto Finance. This unauthorized loan has caused significanXXXX XXXX XXXX XXXX XXXX, and I believe it constitutes fraudulent activity. 

Lender name : Carmax Auto Finance XXXX amount : XXXX Date opened : XXXX XXXX I have already contacted the lender, ( Carmax Auto Finance ), to dispute the loan and request its immediate closure. Despite my efforts, the lender has not taken appropriate action to resolve this issue. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that the unauthorized loan is promptly addressed.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

My account was being hacked starting XX/XX/2023 and I disputed them with my account chime and they denied me... I work hard for my money and someone hacked my account and my bank won't give me my money back. Thank you.
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am filing this complaint to inform you of a recent resolution with my financial institution, Capital One, regarding an error in the reporting of my account information. After a thorough review, it has been determined that certain late payment markings on my Capital One account ( Account Number : XXXX ) were inaccurately reported due to an internal error by the bank. I kindly request your assistance in reflecting these corrections on my credit report. The removal of the late payment markings and the update to the status will ensure the accuracy of my credit information. I appreciate your prompt attention to this matter and look forward to an updated credit report reflecting these positive changes. CAPITAL ONE XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (PA)

Received legal court complaint in mail, did not have to sign for it. I have no prior knowledge of XXXX or accounts claimed in complaint. I have never been contacted by them by phone or by mail. I would have asked for validation at that point and possibly arbitration. Filed response with the court and have a court date set. I also sent a certified letter to XXXX asking for debt validation, proof they own this debt and the rights to collect by lawsuit, and I asked for a copy of the original agreement to verify arbitration. I have not been contacted by them since in this matter. They took this matter straight to the local court instead of following proper protocols and regulations. Looking into retaining a law firm to file a class action lawsuit against XXXX XXXX due to their collection practices.
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NAFCO Finance (AK)

On XX/XX/XXXX, I made a payment to pay for the month of XXXX and and made half the payment for the month of XXXX and provided the date of which I can make the other half of the payment which would but XXXX XXXX XXXX. Ive recently experienced financial hardship in the month of XXXX that being I had my back windshield smash and paid out of pocket to fix it. Then XX/XX/XXXX my tire had popped and had to fix my brakes which also put me behind but again I still made sure I let the auto company know when I would make the payment. The day after I made the call to let them I know I would make the payment they proceeded to repossess the car after they put in the notes of my account that I would make the payment on the date I said I would. Ive called twice to come to a resolution but would not hear me out or allow me to make the late payment.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

RE : SYNCB/Amazon XXXX  XXXX XXXX XXXX, FL XXXX RE : The following inquires needs to be removed immediately. 

Creditor Name : SYNCB/Amazon Date of inquires : XX/XX/2018 Date of inquires : XX/XX/2018
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Velocity Portfolio Group (IN)

On XX/XX/year> I received a summons in the mail for a lawsuit filed by Velocity Investments in the amount of {$1900.00} against me. They state that i entered into a financial agreement with " XXXXXXXX XXXX XXXX '' which is inaccurate. I have no knowledge of this account in my name ; I have never given authorization for someone to enter in a financial agreement on my behalf and affirm this account has been opened and utilized fraudulently without consent or authorization. I have filed a response with the courts to dispute the validity of this information and notify them that I have become a victim of identity theft and currently working with the FTC.