davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MS)

On XX/XX/year>, my Chime account was randomly closed without warning. The last action I made was making a transaction moving {$800.00} from my saving account to my checking account which left {$5000.00} remaining in my savings account. Then transferred {$700.00} of the $ XXXX ( I dont remember the exact amount ) to Cash App because my cards are inactive because I was having random fraud transactions happening, so I requested new cards. I disputed like two transactions that I was refunded for like a week or two ago. But my account has been closed randomly, and I dont understand whats going on. I just want my money refunded out of the account. This happened to me in XXXX after making groceries for the family just imagine how embarrassing that was. Now Im going to have to borrow money until this is solved, and I really dont want to do that.
Consumer complaint received 2024-08-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

PennyMac bought my loan in XX/XX/year>. Loan number is # XXXX. 
My address is XXXX XXXX XXXX XXXX, XXXX XXXX I mail payments in same day I get statements, I drive them to the post office and put them in the drop box inside the post office. My car payment takes XXXX  days to process, my Credit card payment takes XXXX  days. Penny Mac takes XXXX to XXXX  days to process my payment. 
Their processing center is in XXXX XXXX, IL XXXX I called their customer service on XXXX XX/XX/year>, I think I talked to XXXX or XXXX, I made myself clear, that I did not want my payment held, I wanted it processed immediately. XXXX 's payment took PennyMac XXXX days to process, my phone call reduced XXXX payment to XXXX days. This delay is costing me interest. Can you deal with this company and have them process my payments in a more reasonable timeframe. I DO NOT RECOMEND PENNY MAC TO DO V.A. LOANS
Consumer complaint received 2024-06-11
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: SANTANDER HOLDINGS USA, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (WA)

Amercian express keeps charging interest after I paid the entire balance off and also pay off was before this last statement. I only made a XXXX purchase over a year ago, which they turned in XXXX percent into XXXX percent, So, I paid the darn thing off. 
I paid A {$110.00} on XX/XX/XXXX and {$2500.00} on XX/XX/XXXX, The total pay off balance was {$2700.00}. They turn around and charge me {$26.00} residue interest on XX/XX/XXXX. I called twice to have them take this off which they refused. This is interest that is on a paid off XXXX balance. 
I would like this FAKE interest of {$26.00} removed.
Consumer complaint received 2024-06-07
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. (AR)

Did not authorise this inquiry nor did I give my consent, fraudulent activity and needs to be removed from XXXX Report. 

CBNA XX/XX/2023 Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these ERRONEOUS ACCOUNTS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed listed below. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Absolute Recovery Services, LLC (TN)

I have contacted XXXX, XXXX, and Absolute Recovery Services on XX/XX/year> about this collection account that does not belong. In that dispute I requested the Validation of Debt and the removal of the account in question per 15 USC 1692g. Also in this dispute I requested : ( 1 ) Send me a detailed list of history of payments made by me on the account. ( 2 ) I want to seethe sigature that I put on a contract guaranteeing that I would pay this creditor. ( 3 ) I asked to see has there been any insurance claims filedon this debt by the collection agency or the original creditor. ( 4 ) I asked for proof that Absolute Recovery Services have the chain of title to collect on this debt. Also per XXXX XXXX XXXX, Absolute Recovery Services is not licensed or authorized to collect debt in the state of Tennessee. This proof will be attached.
Consumer complaint received 2024-09-10
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. (DC)

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. 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 XXXXXXXX XXXX XXXX, XXXX  XXXX. 

I've never lived at these addresses listed above. XXXX U.S.Code XXXX Section XXXX A. States I have the right to privacy. XXXX U.S.Code XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.Code XXXX. ( a ) ( XXXX ) XXXX States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than XXXX years. XXXX U.S.Code XXXX ( A ) ( XXXX ) A persons 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 2024-06-25
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. (AR)

on XX/XX/year>, I sent this company a letter about some errors on my credit report, but it's been over 30 days, and I still haven't received any response from the company. I was informed that they may be violating the FCRA law for not complying. Please look at this matter, as those errors on my credit need to be cleared as soon as possible.
Consumer complaint received 2024-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc. (CA)

I qualify for XXXX XXXX to forgive my student loans and receive a refund and they are telling me that Earnest loans do not qualify since I refinanced the XXXX loans to Earnest. They are telling me Im not eligible. Im aware there is a Navient private loan forgiveness program. XXXX is the parent company of Earnest
Consumer complaint received 2024-06-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (GA)

I tried to contact the Home Depot fraud department as requested in a letter dated XX/XX/year>. The contact number on the letter is XXXX. When I called this number I was required to state my name, birth date and social security number. After giving this information they were unable to connect me to an investigator. This happened 3 times on XXXX. I also called the customer service help number,XXXX, and they transferred me to a department that could not verify the phone number ( XXXX ) and stated I had been assigned a new credit card number after I closed the account, when I asked for further information the person I was talking to hung up the phone.

I am concerned because no one I spoke to was able to verify the validity of this letter and I closed this account in XXXX or XX/XX/year>. I do not have an account with Home Depot any more.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

Jefferson Capital sent me a collection from XXXX XXXX XXXX regarding a debt from XXXX XXXX Bank that I never received. 
Jefferson Captial Resent the collection back to XXXX XXXXXXXX. 
Jefferson Captial needs to remove all information as collections from XXXX and XXXX XXXX XXXX. 
Jefferson Capital has no right to have collections showing on any credit Bureaus or Risk management companies as to this debt. 
Account Number Ending : XXXX Account numberXXXX
Consumer complaint received 2024-06-11
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: WELLS FARGO & COMPANY (NJ)

Found out there are unauthorized companies reporting inaccurate information regarding Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (OR)

I was never served any papers to defend myself in a court of law. I had no idea. Put a junction on me anyways. Garnished all of my bank accounts. Set up a payment plan to take out of the same account they garnished. Didnt know my payment never came out, got a letter dated a day before my payment was even due which doesnt make sense. Lied and said they attempted to call me and left messages on my phone. My phone has voicemails dating back to XXXX of last year and none from them. Said my payment is XXXX weeks late and are going to garnish me again! I still made my payment
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by PORTFOLIO RECOVERY ASSOCIATES, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by PORTFOLIO RECOVERY ASSOCIATES , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand PORTFOLIO RECOVERY ASSOCIATES, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in XXXX XXXXXXXX It has come to my attention that PORTFOLIO RECOVERY ASSOCIATES , lacks authorization to pursue debt collections in XXXX XXXX XXXX my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (OK)

This account is paid and was settled and resolved. XX/XX/XXXX in the amount of {$73.00} They didn't give me a receipt in a very unprofessional manner. Attached is my bank summary showing payment Reference number of payment XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (OH)

I have reached out to this company several times in attempt to get information on an accounts thats being reported on my credit profile that I have no knowledge of. This is not my debt and XXXX being held responsible for it. This company has failed to provide me with any information or proof of ownership of the said account. I would like this item removed from my credit immediately.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (PA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 sections 602 states I have the right to privacy 15 usc 1681 section 604a section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.under 15 uscs 1666b a creditor may not treat a payment under a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

I bought a card XXXX ( has serial number XXXX ), expecting it to be XXXX XXXX. It wasn't, it was XXXX Bank, and it did not work as advertised. 

InComm sent me a/a few replacement card ( s ) but I still have not gotten access to my funds. Just give me my money back and the purchase fee.
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Marlette Funding, LLC (OR)

On XX/XX/year>, I reached out to Bestegg 's team via phone because I was having issues making a payment online. I spoke to an agent and when they verified the address, I agreed it was correct.

However, later in the call, when I was giving the agent the card number, they did not verify that the zipcode on the card, and I do not believe they asked that it was the same. I have 3 addresses on file with them, and the zipcode the agent on the phone entered was incorrect, resulting in an " XXXX rejection. '' Moreover the agent on the phone did not notify me that the payment was denied, nor did I receive any notification via email or any other method.

After giving the agent my new card number and answering their questions, I believed the account was up to date and did not discover the error until over 30 days later. At this point, the account was reported as past due to the credit bureaus.

Bestegg 's customer resolutions team is refusing to admit any wrongdoing on their part, and refusing to adjust the consumer reporting.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (WA)

In XX/XX/XXXX, my parents moved their money into a savings account and a trust account with Wells Fargo as well creating a Power of Attorney and naming each other the XXXX XXXX  and then naming me XXXX. On XX/XX/XXXX my Mom died. About XX/XX/XXXX my XXXX is hospitalized due to complications with XXXX and failure to thrive. On XX/XX/XXXX a XXXX XXXX determined my father lacks decision-making capacity. On XX/XX/XXXX, I met with XXXX XXXX, Branch Manager, of the XXXX XXXX Wells Fargo in XXXX, XXXX. XXXX XXXX made copies of the Power of Attorney and Physicians Certification of Incapacity to Make Informed Decisions to be sent to Wells Fargo Legal for review. My sister, XXXX XXXX, went to a Wells Fargo in XXXX, Colorado where they made a copy of my mom 's death certificate which was sent to XXXX XXXX. 
On XX/XX/XXXX, I returned to Wells Fargo to meet with XXXX XXXX. Instead, a banker named XXXX assisted me. XXXX called Wells Fargo Legal and was informed that my documents were not enough and they required more. 
When I pressed on what I needed, I was told that they couldn't tell me and I was not allowed to speak to the Legal department either. I kept pointing to the Power of Attorney section that allowed me to manage a trust but was told this was not enough. When I asked why I was told it just wasn't. When I asked what they needed I was told they couldn't tell me what they needed. 
At one point I was told there was a form I could fill out and have notarized that could work. Unfortunately, they could not tell me what the form was nor was the notary available that day. Instead, I was told to talk to my lawyer. When I asked what I should speak to my lawyer about they told me they couldn't tell me but I needed to talk to my lawyer.
Consumer complaint received 2024-06-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (AZ)

The joint person on the lease went and traded our other car that we were leasing, at the time, in to Regional Acceptance without my knowledge or consent. He then proceeded to show up in a brand new 2019  XXXX XXXX and somehow I was a co-signer on the lease for the car and I wasnt there and no one ever asked for my permission and I refused to keep the car. The joint leaser and I ended our relationship and now all his bills are being put on me. The company illegally forged my signature without my knowledge or consent.
Consumer complaint received 2024-06-12
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: JPMORGAN CHASE & CO. (NY)

This company in question has consistently failed to adhere to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regulations. They did not make any effort to contact me, the consumer, regarding the alleged debt. Instead of notifying me and providing an opportunity to dispute or verify the debt, they directly reported it to the credit bureaus without my consent. This action constitutes a clear violation of my rights under both the FCRA and the FDCPA, which mandate that consumers be informed and given a chance to respond before such information is added to their credit report.The company in question has failed to report the full account numbers for the alleged debt, leading to discrepancies across different credit reporting agencie
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX  has me listed with a Bankruptcy, I've contacted the courts and they tell me they have no records that they give out to credit reporting agencies weather you do have one or you don't. I have asked XXXX  on several occasions about this and they sent a reply saying they contacted the federal courts, I know this to be false since I've contacted the federal courts and they have no records of me to give out. I've been a victim of false information listed about me in the past due to someone in my city with the same name and very close ssn.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC (TX)

Im not too educated on credit so when i checked mines for the first time i seen many inaccurate information, and accounts that i never knew anything about. Ive been very stressed because this info has hindered me from getting credit, i would like these thing to be removed immediately.