davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (MS)

I need to re-document and refile this grumbling to GM FINANCIAL. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

1- I'm current Chase Bank Credit Card Customer . I have Chase Freedom Credit Card. On XX/XX/2023, I received an Offer Via email From Chase to Apply for another one of their Credit Cards : XXXX XXXX. ( SEE ATTACHMENT # XXXX ). 
XXXX The Offer included Zero % Introductory APR for 21 months on Purchasing and Balance Transfer . Then, 20.24 % -28.99 %, thereafter, depends on credit worthiness. 
XXXX The same email included a link " Respond Now ''. When I clicked, it took me to Chase Website to sign-in and proceed with their offer. 
XXXX After signing-in, the Screen did not have any information to proceed with the offer for XXXX XXXX Credit Card XXXX But it did have two Options : A- Need Help Choosing a Credit Card? Take a Quiz, and B- If you don't see what you are looking for, Find a Card. ( SEE ATTACHMENT # 3 ). THE SCREEN DID NOT HAVE ANY INFORMATION ON HOW TO PROCEED WITH THE OFFER FOR CHASE XXXX CREDIT CARD THAT CAME IN THE EMAIL. 
XXXX When I found out that, I went back to the email and clicked on the Link for " Pricing and Terms '' and surprisingly, discover that Promotional Zero % is for 18 months which contradicting the Offer of 21 months as stated in Chase Email oXXXX XX/XX/2023. ( SEE ATTACHMENT # XXXX ). 
XXXX On XX/XX/2023, which is the expiration date for Chase Offer for the XXXX XXXX Credit Card XXXX I called Chase Customer Services and Spoke to XXXX XXXX who stated that she did not know why the link is not working and she could not explain the discrepancy between the 21 months and the 18 months. 
XXXX It is clearly obvious to me that Chase Bank is deliberately avoiding the admission of their mistake and unequivocally, decided to not honor their PRE-APPROVED WRITTEN OFFER to me of 0 % Interest for 21 months. 
XXXX THIS IS AN UNFAIR BUSINESS PRACTICE IN GENERAL AND most importantly, HURTING AND HARMING A XXXX XXXX XXXX XXXX XXXX IN PARTICULAR. 
XXXX Regardless of what has happened, Chase Bank MUST honor their own pre-approved offer.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The J. G. Wentworth Company (CA)

I closed a loan with JG Wentworth the end of XX/XX/XXXX, and in XX/XX/XXXX they transferred the servicing of the loan to XXXX XXXX. 

I paid my loan on time, but in XX/XX/XXXX JG Wentworth reported my loan as 30-days late on payments ... ( the loan was sold to XXXX in XX/XX/XXXX ). 

I attempted to correct this problem but JG Wentworth will not return my calls.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NV)

The problem started with the inability to pay my account online. I was on hold with client support for over an hr. They took my name and number and were going to call me back within 24 hours. That was on a Friday in XXXX. I called back on Monday as I had not heard from them. The person I spoke with was unaware of the issue. I tired to make the payment again online, but the same issues were present. They again said they would escalate it to their IT team and get back to me. The following Wednesday I called and for a third time, it was the same issue. On the following Friday, I received a phone call from the creditor advising me that my payment was late. I explained the issue and was willing to pay the account in full but I did not want to pay the fee for making a phone payment. I also said I did not want the late payment to report to my credit as it was not my fault their system was down. The person I spoke to and their supervisor both said they were " unable '' to remove the 30 day late on my credit. I adamantly said " if you do not remove the late on my credit, I want the account closed ''. The closed the account that day. However, it has reported late on my credit every month since XXXX. From 30, 60, 90, 120 etc. It has lowered my score significantly.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

Commencing on or about XXXX, 2023, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( s )
Consumer complaint received 2023-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IL)

On XX/XX/2023 I tried to send wire transfer of $ XXXX into my other personal investment bank, I got locked out of bank the following day which I was told my account is being process to close for irregular activity. I got a letter dated XX/XX/2023 that it gon na takes between 15 business days before the closing process can be complete and they gon mail me a cashiers check for the remaining balance. Today which is XXXX they still havent mail me a check yet. I saw a lot of people with same issue on XXXX, XXXX and XXXX claiming same issue and they got no check for their remaining balance.
Consumer complaint received 2024-06-17
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (VA)

This alleged debt is from a previous landlord. On XXXX I received a notice that another contact ( one that did not live with me but was provided to a previous landlord as an emergency contact ) was contacted by Hunter Warfield. On XXXX I called in and spoke with the account manager and requested any other phone number be removed and to contact my primary number only. At that time they confirmed my primary number that they should contact. 

Hunter Warfield acknowledged they will inactivate any other contacts. I advised them they were calling others and not even contacting me first. 

Today XX/XX/year>, I received a voicemail from Hunter Wakefield that was left for another contacts on a number that should have been removed. I have access to this account as its my grandmothers account. Hunter Warfield did not reach out to me today before leaving this voicemail on a third party line. Anytime they have contacted me I have answered.

Today I asked for confirmation via email or mail with their team manager XXXX, that they have removed any contacts besides my information again and they said it was now removed but could not send something in writing. These are deceptive tactics and they are contacting individuals I have explicitly instructed not to contact. They should only contact me via phone or mail at the number they have on file for me only. 

This is against FDCPA- especially given that I have explicitly asked for removal of other contacts and responsive when they reach out.
Consumer complaint received 2024-06-17
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: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizen 's bank put me in collection for XXXX dollars ( {$20.00} ) without explaining what the {$20.00} was for. I have not used this account in 2024 yet I have an overdue balance for over 122 days. To quickly resolve the problem I paid the {$20.00} to Citizen 's bank and they refused to remove the debt from their collections and therefore from the credit reporting agencies.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (IL)

To make it perfectly clear, I do not have an account at SoFi Bank, do not want an account at SoFi Bank, do not intend to do business with SoFi Bank. Nonetheless, SoFi Bank permitted fraudsters to steal my identity, open an account ( or accounts? ) in my name, and has failed to respond to any of my correspondence on the matter. 

SoFi Bank permitted {$11000.00} in fraudulent checks and more than {$17000.00} in fraudulent credit card charges of which I am aware. Perhaps there was more, I do not know. 

My actual bank, XXXX XXXX, replaced the stolen money in my account and canceled the credit cards and charges. 

Let me be clear on this : At no time were my checks, my ATM card, or my credit cards out of my possession. But, of course, I have been forced to upend my banking life and change every account number as a result of this massive fraud. 

I know I am not going to get back the time I spent resolving this matter and nothing is going to make up for the angst I felt. 

What I want is for SoFi to acknowledge its role in this fraud, to close all the fraudulent accounts, and to make sure this does not happen again. 

I have enclosed a copy of an email I received today purporting to be an account statement. I did not attempt to call anything up. SoFi shows its disdain by requiring an account number to reach a human for help. I cant provide an account number because I do not have an account, at least not a legitimate one.
Consumer complaint received 2024-06-13
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: JPMORGAN CHASE & CO. (LA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (TX)

Amsher Collection Services and XXXX are both in violation of licensing law, debt collection laws, credit reporting laws, and federal trade & privacy laws. They are furnishing and storing invalid, unverified, private and personal information at a huge risk that could be damaging, threatening and in a way cause loss or injury to I the consumer. I demand the CFPB as a fiduciary and regulatory agency investigate this matter.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (CA)

This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to Spring Oaks Capital LLC nor XXXX XXXXXXXX XXXX XXXXXXXX. I refuse to pay a debt, I do not owe. I also do not wish to contract with Spring Oaks Capital LLC. This has caused me job loss due to negative and false information published by this debt collector, which made me XXXX  XXXX  and XXXX. This debt company negligence has caused me to seek medical attention.
Consumer complaint received 2024-06-13
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

Lexington Law has done ABSOLUTELY NOTHING to aid in credit repair. Lexington Law credit repair professes false claims toward assistance with credit - never being available for communication nor being available to answer credit counseling questions. The money that Lexington Law credit takes from its members is both unacceptable and unconscionable! Lexington Law doesnt even provide the basic assistance with getting 10 year old debt removed of debt removed that can not be validated. More importantly - whenever a consumer complains about Lexington Law credit repair - to reputable agencies like the XXXX, Attorney Generals Office, or the CFPB - Lexington Law retaliates and cancels the consumer contract for doing such complaints.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

Someone stole my card and got access to my online banking. Where they took out {$990.00} at an atm bank and also {$1600.00} out of an atm bank. I went to Wells Fargo made a dispute and about a week later they said it was denied and did not give me reason other then it was denied. Money was tooken out my account between XXXX. I explained to them I have kids and rent do and they just make it easy for people to steal money and get away with it and that I feel that my money is not safe with wells. They offered me {$0.00} money back. The person that took my money is clearly on camera at different atms taking my money
Consumer complaint received 2024-08-12
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. (CA)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (IL)

I was out of the country in a business trip when I came back to the US I found out that someone was using my name and got a credit card, I tried to explain to the XXXX  agency but they never responded, I asked them for a XXXX XXXX validation notice includes a statement with my signature. Im assuming they dont even have that. 

I greatly appreciate your help Sincerely XXXX XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

While reviewing my XXXX credit report I notice the following collection. But I have no idea about this account, this is a fraudulent account opened with my name. 
Account name : XXXX XXXX XXXX Account number XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/XXXX Status : Collection account. {$690.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$690.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$690.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo refused me to deposit my retirement and pension checks, they knew i was overdrawn and i went in person with proper documents and id and refused my check. They said they didnt have anyone there to verify and said they want cash i didnt have cash but had a legit cashiers check i cashed out if my company i work for retirement early in order to bring my account back. Wells Fargo said no and then is now holding my direct deposit as retaliation. I normally get my deposit every other XXXX XXXX XXXX and now i called and they said its on hold until further notice. Ive banked with them for years and this is not a new deposit. I have documented their retaliation and now being discriminated by them not allowing me to deposit money to bring my account back to positive. They then applied {$240.00} in overdraft fees by allowing old transactions to go through and refuse to give me my direct deposit now too
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

Chase is in violation of 15 U.S. Code 1666b - Timing of payments.

Chase and all three credit reporting agencies are reporting missed and or late payments on my report.

15 U.S. Code 1666b - Timing of payments states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The account number for this account being reported is XXXX. 
Account was opened XX/XX/year>.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TX)

On XX/XX/2021, I reached out to the cash app to dispute a transaction that took place on XX/XX/2021. I also reached out on XX/XX/2021, and XX/XX/2021, to try to resolve this issue. And they have failed to dispute this matter and this falls under their policy and procedures to dispute an unauthorized transaction, especially if the full consideration has not been met.
Consumer complaint received 2024-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (LA)

I received an email from Destiny Mastercard saying that i was approved for a {$700.00} credit card. So i completed the application for further approval and was denied. I requested information on the preapproval that lead to this approval but didn't receive anything back from the card company and if i wasn't really approved i shouldn't receive misleading emails.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (AZ)

The collections of Jefferson that's on my report is not me. I was XXXX  at the time that that account was opened. I would like to have it removed so that I may apply for a credit card or be able to open a account.
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (GA)

XXXX & LVNV FUNDING LLC continue to this allege collection even though I have previously stated I have no obligation under law to pay this debt. I refuse to pay this debt and have not received any notice of my right to dispute this debt before it was added to my consumer report.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (NV)

Card can not be used because they are stating there is a fraud, it is my card and they will not tell me what the problem is. They keep asking for a lot of my personal information which I do not like to give out.