davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (PA)

Re : Complaint Against Source Receivables Management for Violating Consumer Rights Dear CFPB, I am writing to file a formal complaint against Source Receivables Management for their persistent violation of my consumer rights under federal law. They have failed to comply with the legal requirements of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Details of the Complaint : Creditor : Source Receivables Management Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Account Number : XXXX Disputed Reason : Failure to provide debt validation, continued reporting of unverifiable debt, and non-compliance with communication preferences. 

Violations : Fair Credit Reporting Act ( FCRA ) Source Receivables Management has reported inaccurate and unverifiable information on my credit report. Despite my request for validation, they have not provided any documentation to substantiate the debt, thus failing to ensure the accuracy and fairness of the information reported. 

Fair Debt Collection Practices Act ( FDCPA ) As per FDCPA, I requested validation of the debts from Source Receivables Management. They are required to cease collection efforts and remove the collection accounts from my credit report if they can not validate the debt. However, they have continued to report these unvalidated debts, which is a clear violation of the FDCPA. 

Fair and Accurate Credit Transactions Act ( FACTA ) FACTA allows me to dispute inaccuracies in my credit report. Source Receivables Management 's failure to validate the debts makes these accounts inaccurate, and their refusal to correct these inaccuracies is a violation of FACTA. 

Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces regulations to ensure fair treatment of consumers by financial institutions. Source Receivables Management 's failure to validate the debt and their continued reporting of unverified information constitute a violation of these regulations.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NV)

I was notified XX/XX/XXXX of a digital letter sent by Synchrony Bank that I can access on their website. The letter informed me of my credit limit being lowered, effective immediately. Then, XX/XX/XXXX, the day my account was closed, I was notified of another letter, also on Sychrony Bank 's website. The letter was informing me of the account closure, also effective immediately. Today, XX/XX/XXXX, I requested information reguarding the closure, as I was incapable of accessing the letters on their website. I just had learned that my account was closed, and that they closed my account not based on delinquencies on payments to them, but payments to other creditors. I was not given prior 45 days notice as required by the Credit Card Act of XXXX, and seek a resolution be met.
Consumer complaint received 2024-01-10
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. (CA)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone opened an investment account with XXXX XXXX using a fraudulent Social Security number. XXXX confirmed the Social was not mine but would do nothing. I filed an in-office complaint with XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX La branch XXXX This theft comes from my checking account and not debit card. So I can not stop it. Im on XXXX and other XXXX Ins only and am being taken advantage of. XXXX XXXX sat with me and filed my complaint for me as I can not hear well and do not understand how to communicate with the XXXX XXXX out of XXXX. XXXX XXXX became irritated because the whole thing was ridiculous and she couldnt understand them either. In the end, I was refunded only XXXX  months worth or just over XXXX. Then I was told case closed. However ; XXXX did nothing to stop it. Im now out another XXXX in a month. No attempt to investigate the source and destination was made. So I sent E-mails asking again and again for info on who was stealing it. XXXX did nothing. Didnt even try to delete the fraudulent account. XXXX XXXX
Consumer complaint received 2024-08-04
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (PA)

I received notice from a company called Unifin claiming I owed a debt, with a form to request validation of the debt. On XX/XX/XXXX, I sent the verification request letter which I will attach. I sent the letter via certified mail, which was received by the debt collector on XX/XX/XXXX as shown on XXXX records. The law states that no further debt collection attempts can be made until the debt is verified. On XX/XX/XXXX, I received a text from Unifin attempting to collect the debt, which is in violation of the law. I later received a letter, dated XX/XX/XXXX from XXXX XXXX XXXX stating that they manage the account for XXXXXXXX XXXX, and that the account is being serviced by Unifin Inc, and would be sending documentation. I received another letter dated XX/XX/XXXX stating that they had enclosed the account summary which provides verification of the debt. XXXX was a couple pages from a XXXX XXXX credit card statement, for a billing cycle of XX/XX/XXXX to XX/XX/XXXX. The statement balance on the billing statement was {$750.00}. The balance that Resurgent/LVNV/Unifin states is owed is {$1000.00}. The statement they sent does not reflect the amount they are claiming is owed, they did not send the original agreement as requested, they did not send the last billing statement as requested, and did not send any evidence of any extra charges that were added since the last billing statement. I also believe that the changing of companies is being used to intentionally be misleading, and confusing in order to trick me into paying a debt that they do not have proof I owe, of either the debt or the amount they state that I owe. I believe that the actions of the company, especially the clear cut contact within the dispute period, violate the Fair Debt Collection Practices Act.
Consumer complaint received 2024-01-10
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  Balance : {$680.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (SC)

Approximately XX/XX/year> I was informed that my XXXX XXXX XXXX XXXX  was removed from my credit report on Credit Karma without my Authorization. I called the Creditor and it is still active, paid off and is in good standing and should not have been removed. Its dangerous they can remove it at will. That Credit card is on my other XXXX credit reports just not Credit Karma XXXX but it was on the actual XXXX report. This company can do what it wants when it wants. I never got an answer as to why they removed it. It should be there as an active account
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (VA)

I am writing to file a complaint against Chime regarding their handling of an unauthorized charge on my account. Despite taking steps to block the vendor and initially having the charge reversed, the bank later reversed their decision, causing significant distress and financial inconvenience. 

Details of the Complaint Unauthorized Charge : On XX/XX/year>, a charge of {$99.00} was made to my account by an XXXX XXXX XXXX without my authorization. 
Upon noticing the charge, I immediately contacted Chime ] to report the unauthorized transaction. 
Initial Reversal : Chime conducted a preliminary review and reversed the charge, crediting my account on XX/XX/year>. 
Blocking the Vendor : To prevent further unauthorized charges, I requested Chime to block XXXX XXXX XXXX from making any further transactions on my account. 
Reversal of Reversal : Despite my actions to block the vendor, Chime reversed their initial decision and will re-apply the charge to my account on XX/XX/year>, citing their belief that the charge was authorized. 
Issues Raised Failure to Protect Consumer : By re-applying the charge, Chime failed to protect me as a consumer, disregarding my explicit request to block the vendor and my assertion that the charge was unauthorized. 
Inadequate Investigation : The bank 's investigation into the unauthorized charge appears to be inadequate, as they reversed their initial decision without providing sufficient justification. 
Financial and Emotional Distress : The re-application of the charge has caused me financial hardship and significant stress, as I am now held accountable for a charge I did not authorize. 
Requested Resolution I kindly request the CFPB to : Investigate Chime for their handling of unauthorized charges and their procedures for investigating such claims. 
Ensure that Chime reverses the unauthorized charge and any associated fees permanently. 
Require Chime to improve their procedures for blocking unauthorized vendors and handling customer disputes. 
Provide compensation for the inconvenience and distress caused by their mishandling of this issue. 
Supporting Documentation I have attached the following documents to support my complaint : Bank statements showing the unauthorized charge and subsequent reversals. 
Correspondence with Chime regarding the unauthorized charge and my request to block the vendor. 
A text thread received about another vendor who was blocked but continues to try and debit my account that dates back to XX/XX/XXXX. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint.
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIRST NATIONAL BANK OF OMAHA (NV)

This is in regards to my prior complaint. FNBO is calling me trying to collect a payment. FNBO sent the payment to the wrong account number on my XXXX account. Im having to make payments to XXXX still because of this mistake. I can not afford to make payments to FNBO and XXXX. Im trying to get someone to redo my loan for a new start date after they retrieve the funds that is missing. I dont miss payments are they are going to destroy my credit. Can someone in the loan department please contact me.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AR)

On XX/XX/XXXX I purchased food from XXXX XXXX in XXXX ar the menu describes items as one thing and I didnt get what I was suppose to for a kids meal, the worker said you only get one side but when ordering online it has you to choose two and the second issue was my extra eggs that I paid for werent in my seafood boil or bag at all I disputed it with the bank provided documentation and it was denied.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (CO)

I keep getting text messages about a person I know and is not my debt debt collector tells me hes going to call the cops to my house and pulled info regarding my house and car I told him this is the wrong number and keeps harassing me
Consumer complaint received 2024-08-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Paypal Holdings, Inc (CA)

Subject : PayPal Unfairly Holding Funds Dear Consumer Financial Protection Bureau, I am writing to file a complaint against PayPal for unfairly holding funds that have been cleared by the senders bank. 
I received a payment of XXXX XXXX from XXXX XXXX via PayPal. Despite the funds being cleared by the senders bank, PayPal has continued to hold the money. 
PayPal has repeatedly assured me that the funds would be released at midnight, but this has not happened. I have contacted PayPal multiple times regarding this issue, but they continue to provide inconsistent and unclear explanations. 
I believe PayPals actions are deceptive and unfair, as they are representing that the funds are available when in fact they are not. This has caused significant financial hardship for me. 
I am requesting the CFPB to investigate this matter and take appropriate action against PayPal. I have attached copies of all correspondence with PayPal for your review. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2024-01-10
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. (CA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-02
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Navient Solutions, LLC. (CA)

Submitted the completed form on XX/XX/year>. Received denial letter on XX/XX/year> with the statement : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I called them to discuss the reason on XX/XX/year> and was told that they will not be releasing the reason why. I also informed their Customer Rep that I was recording the call and she said that they will not discuss further if the call was being recorded. 

I am part of the XXXX XXXX class action that discharged my federal student loan. So the private loan that XXXX XXXX w/ collaboration with XXXX should also be discharged. I wasn't aware of these loans nor was I told about them being taken while attending school. The interest rate is 15 % & amount owed as doubled. I would have gotten the money elsewhere. I have not received any career assistance nor benefited from obtaining my degree from XXXX XXXX. My job experience has been focused in A/E/C. No other industries have acknowledged my resume w/ credentials.
Consumer complaint received 2023-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Inquiries made on report from companies that I am not aware of and its impacting my credit profile. I need these inquiries removed as I have filed and Identify Theft report with Identitytheft.gov
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (WA)

I sent a International Wire Transfer using XXXX from my savings account The transfer was sent on XX/XX/year>. The amount was XXXX dollars. But it was rejected the recipient bank and sent back to the sender bank. It should have been deposited back to my account in a few days, but its been more than a month and its still not there. I contacted customer service multiple times and they have not been of much help. They said that they would initiate a trace, but got no response from them.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

As a consumer, I have the right to expect a thorough and timely investigation into my disputes, in accordance with the Fair Credit Reporting Act ( FCRA ). The inaccurate reporting of late accounts not only damages my creditworthiness but also raises questions about the reliability and integrity of the credit reporting process. I submitted disputes regarding inaccuracies in my credit report, particularly the reporting of late accounts. This lack of communication is both disconcerting and unacceptable. 
XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX  XXXX - PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate update on the status of the investigation into my credit report disputes. It is crucial that your bureau adheres to the FCRA 's mandates to ensure fair and accurate credit reporting. I also request clarification on why the inaccurate reporting of late accounts persists despite my disputes and the legal obligations outlined in the FCRA.
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Exeter Finance, LLC. (SC)

I have a vehicle loan through Exeter Finance. I am behind on payments and have gotten multiple calls a day every day. I let them know it was because in XX/XX/year> our water heater had a gas leak and the bill to repair it and the increase on my power/gas bill put me behind on everything. 

I made a partial payment on XX/XX/XXXX and told them on the phone I would make another payment on Friday, XX/XX/XXXX. I would still be behind, but I wouldn't be at risk of my car being repossessed. 

I got paid XXXX EST on Thursday, XX/XX/XXXX. As soon as my deposit hit, I tried to pay online. I received the following message : Based on your current account status, we are unable to accept an online payment at this time. Please contact customer service at ( XXXX ) XXXX. 

I called Exeter but their offices had already closed for the day. I tried to chat hoping they'd have a chatbot or something to at least get automated suggestions for their help center, but they don't have that function. 

Sometime between going to bed on XX/XX/XXXX and taking my daughter to school on XX/XX/XXXX, they repossessed the car. No paperwork was left so I have no idea where my car is to retrieve very important personal items. My daughter 's car seat and my wallet, with my debit card and license, are still in the car. 

Even though I tried to pay enough to prevent it, the company made it impossible to pay between the hours of XXXX CT and they repossessed my car during those hours the night before I told them I get paid and would make a payment.