davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

I have originally contacted XXXX XXXX XXXX advising I was laid off due to XXXX and was unable to pay my account, temporarily. They offered a credit protection program to where if I was laid off from work, or didn't have income then my account would be on " hold. '' I agreed to this. Later finding out they conveniently did not update my account. I sent them letters advising of my situation. Again, never received a response. All the while, XXXX called, emailed and mailed me several times a day they mailed me a bill with the charges just raising higher and higher when I should be charged any fees, since I have the credit protection plan. 
Anyway, I asked for them to provide me with executed contract, documentation showing I was made aware of the XXXX XXXX XXXX XXXX XXXX, etc. I never received anything. I asked them to stop calling me because they'd call me at XXXX XXXX I received a phone call during the week at XXXX XXXX. It was flat out harassment. At that time I had a newborn and their numerous harassing calls woke my XXXX so many times. Anyway, I now received this lawsuit and I don't believe it is accurate.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (IL)

There was a business account opened in my name at US Bank on XX/XX/year>, without my knowledge. I did not know anything about this account until XX/XX/year>, when I received a bank statement in the mail. I immediately went to a US Bank branch that is located in the town I live in, and started asking questions. They would only put a hold on the account and told me I would have to contact their fraud department. I have XXXX and immediately called them to get them involved and find out the next steps. After this account was opened there was a deposit of {$220000.00} made to this account from the IRS. After this deposit there were XXXX withdrawals made from this account in XXXX for a total of {$83000.00}. All the withdrawals were done by XXXX XXXX to a XXXX XXXX, which we have never heard of. There is still a balance sitting in the account in the amount of {$120000.00}. We have filled out and filed all the paperwork the bank has asked for, but they will not tell us or provide us with the documents used to open the account. We have been working on this, with the help of XXXX since last XXXX. We have been calling every 2 to 3 weeks along with XXXX to the number US Bank has provided, only to get another person who doesnt know anything and having to start all over again. No one in this department has a direct number to follow up with. We can never get ahold of the same person twice, they always say they will put it in their notes and follow up and never do.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (VA)

On XX/XX/year> I noticed my SoFi debit card was stolen from my car along with my phone. I called SoFi on the XXXX at XXXX to let them know my card was missing. The following afternoon, XX/XX/XXXX, I was able to get into my account and I noticed many charges I did not make on my card. I called to let them know at XXXX on the XXXX to notify them and try to resolve the matter, they informed me they opened disputes. They supposedly started and completed their 'investigation ' into the matter in 1 business day, I was informed today they have concluded that the charges were not unauthorized. I have a very hard time believing that they did an investigation into this matter in under 24 business hours. Since receiving the email, I read on many online forums they are notorious for doing this. The following charges were not authorized by me and were made when my card was stolen ; XXXX XXXXXXXX XXXX XXXX # - {$50.00} XXXX XXXX XXXX # XXXX - {$28.00} XXXX XXXX XXXX  XXXX XXXX T - {$100.00} XXXX XXXX XXXX XXXX XXXX - {$320.00} XXXX XXXX  # XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXXXXXX XXXX XXXX - {$28.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - {$210.00} XXXX XXXXXXXX XXXX # XXXX - {$550.00} XXXX XXXX - {$580.00}
Consumer complaint received 2024-06-10
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OH)

I made a {$200.00} payment to my XXXX account on XX/XX/year> online ( XXXX XXXX XXXX ) via an XXXX from my bank account, which in fact cleared and posted to my account. On XX/XX/year> I logged in to make a purchase and noticed my recent payment was not reflected in my available balance. I immediately called the number on the back of the card at XXXX XXXX. I was told because i am a new member it can take 21 days, but she said she didn't see an end date. I was also told if i want payments to reflect sooner to go into a store and make it in person with cash or debit. I've made payments in the same manner and this has not been an issue. I also have never heard of this type of policy in my many years of being XXXX at a financial institution for over 17 years as well as having many different department store cards. 

If this is how you treat new members I am afraid of how tenured members are treated.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (TX)

My account with FLAGSHIP CREDIT ACCEPT was never late! I have had exceptional payment history witH FLAGSHIP CRD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

FLAGSHIP CREDIT ACCEPT Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

PLEASE HELP ME!, I AM A VICTIM OF IDENTITY THEFT. I HAVE IDENTIFIED THESE INQUIRIES ON MY CONSUMER REPORT AS IDENTITY THEFT. THIS INFORMATION ARE NOT RELATED TO ANY TRANSACTIONS BY ME. THIS IS IDENTITY THEFT. SOMEONE USE MY IDENTITY AND THEY DID NOT GET WRITTEN PERMISSION, AUTHORIZATION TO ACCESS AND/OR TO REPORT MY PERSONAL INFORMATION. 
PLEASE DELETE THIS OFF MY CONSUMER REPORT. DELETE THESE 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. ALL OTHER ADDRESS PLEASE DELETE. NOT MINE! THANK YOU
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NJ)

I am looking for some help on an account showing on my credit report from Caine Weiner for {$56.00}. I do not know who/what this company is or what it involves but this company has violated my rights under the FDCPA because I was not properly notified of this debt within 5 days of it reporting to the credit agencies and no one has supplied any verification that I owe this.
Consumer complaint received 2024-08-31
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-30
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (MS)

XXXX XXXX I lost my phone and my chime card that was in the back of my wallet on my phone due to being at XXXX XXXX XXXX  that was not in my hometown. I didnt have enough information for the police to help me with my phone being stolen because whoever took it had already turned it off. By the time I got a new phone that following Monday, I saw transactions that was made on my chime account that I did not make and now Im without XXXX!! Ive tried to talk to the company but they keep denying my request, not really trying to help me out any. They dont send emails about my case like they told me they would. I have filed a claim 3 times for the same transactions and they feel nothing was done wrong and now Im just without XXXX that I didnt even spend from my account!!
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (MN)

I filed my taxes through turbox tax and my mom was deposited on a credit karma account. Well for the last 4 months my account has been compromised and my info has been being used and my account was drained leaving me with XXXX cents. Somehow someone hacked my credit karma account and now all my money is gone. And credit karma keeps giving me the run around. I've changed my info multiple times and gave nobody my info but then and still my account keeps being hacked. For whatever reason I can not access my money but someone else keeps draining my account. And I need help getting my money back. Credit karma is being some scammers. I can't even seem to receive my debit card through them so I tried transferring my funds from credit karma to my bank account and the pending withdraw was cancelled and a new withdrawal happened to a XXXX XXXX card I have never used and credit karma says they could not stop it while it was pending but some how my pending request to my account got cancelled. I need help getting my money back!
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have been dealing with this issue for years, I think I am a victim of ID Theft. I have limited credit and someone is continuing to send my information into XXXX court. Again I have no reason to file BK because I do not have any debt on my credit report. I have contacted XXXX XXXX and they informed me that no record oXXXX XXXX XXXX XXXX on my report. I was informed to inquiry with XXXX and Equifax. Also I checked with XXXX XXXX and they informed that public record information comes from XXXX. I then contacted XXXX and was told that XXXX XXXX does the reporting of public records ie XXXXXXXX XXXX  not XXXX At this point no one is able to verify these are accurate and is unwilling to provide me with help. These are the XXXX Cases I want to be removed, it is not a reflection of my character. I want Equifax, XXXX XXXX and XXXX to remove these cases from my credit profile. 

XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX -XXXX XXXX case # XXXX date : XXXX -XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX -XXXX XXXX case # XXXX date : XXXX XXXX  XXXX case # XXXX date : XXXX
Consumer complaint received 2024-06-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Guild Holdings Company (NV)

I have a new loan through Guild mortgage. I have a payment that is part of a buy down from my original loan. I paid twice in XXXX for XXXX. They said they would apply it for XXXX when they went to correct it. They took the main payment away and the XXXX payment away, and it reported me to the agencies stating that I did not make any Payment. The claim to fix it has been ongoing stating 24 to 48 hours for fix then 10 to 7 days to fix and now we are well past that and have started collection processing. I have statements that will state both my payment and the receipt of that payment. They made a posting or my money has disappeared, and I need resolution to this as soon as possible.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

I received a negotiable instrument in the form of check for the amount of {$56000.00} from XXXX XXXX XXXX XXXX Account, for the sale of a property solely owned by me prior. 

The check was issued in a physical paper format- to XXXX 's upon closing on the said property sale and was payable to XXXX - XXXX XXXX XXXX 

Check has been subsequently improperly deposited into a bank account not belonging to XXXX XXXX XXXX The bank account was held in the name of the XXXX XXXX XXXX. 

XXXX. After further investigation, XXXX XXXX XXXX XXXX the Converted Check with the use of a forged endorsements and signatures was improperly deposited into a bank account belonging to the Individual XXXX XXXX XXXX XXXX Account ) through an in-person, over-night drop, wireless, and/or technological means at her work place Chase Bank. 

I had not given the XXXX XXXX permission to cash or deposit the Converted Checks, let alone in her XXXX Account. 

XXXX. At no time during of the presentment of the Converted Check made payable to " XXXX XXXX XXXX XXXX was XXXX XXXX XXXX XXXX XXXX Chase Bank or the XXXX XXXX.
Consumer complaint received 2024-01-25
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: EQUIFAX, INC. (FL)

Over an extended period, I have diligently contested the inaccuracies present within the information provided to Equifax, XXXX, and XXXX. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

Equifax Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate. 

XXXX XXXX. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate 2. Under 15 USC 1666 Billing Error XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item. 

XXXX XXXX. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate 2. Under 15 USC 1666 Billing Error XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2024-06-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Stride Funding, Inc. (AZ)

I made an XXXX agreement through XXXX to XXXX XXXX. My agreement involves paying a percentage of my income. The payments so far have been {$330.00} per month. On XX/XX/XXXX, the service was transferred to Stride. As of recent, Stride has enforced a new monthly payment of {$3000.00} to automatically withdraw from my bank account by XX/XX/XXXX. I called customer service to get information about why the payment is that high and ask for breakdown of numbers. I also requested them to cancel my autopayment so the new {$3000.00} monthly charge would not automatically withdraw from my checking account. The individual on the phone was unable to give me information. I have also requested information for them to reconsider my payments to a more ethical amount, as I can not afford any {$3000.00} payment. They overall did not fulfil any of my requests. I checked my account on this day, XX/XX/XXXX, and saw that the payment was scheduled to go out today. So I canceled the payment myself via their portal ( XXXX  ). My bank account is under my profile in their portal and I'm unable to remove it to prevent further transactions at the moment because they keep re-applying the autopay without my consent.
Consumer complaint received 2024-06-10
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

I purchased a mattress on line from Macys. I was offered a promotional deferred interest payment plan. Now that the one year promotion has expired I am being charged 35 % interest ( {$790.00}. over and above the cost of the mattress ) and a late fee every month that the entire promotional balance is not paid in full. During the one year promotional time I made regular payments to my account all of which went to my revolving account and nothing towards the promotional balance. I was unaware that this was happening. It is virtually impossible to view the details of the monthly statement on line. In order to see the monthly statement in full one must call and have the statement snail mailed. I was also unaware that in order to have any of the monthly payments allocated to the promotional balance that I would need to call each month and request that my payment be allocated to the promotional balance. Its all smoke and mirrors and a terrible way to do business. Its literally robbery!!
Consumer complaint received 2024-06-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (SC)

None of the options really fit my problem. Exeter Finance falsely and maliciously reported a late payment as being 30-90 days past due at only 10 days past due. I advised them when the harassing calls started at 3 days past due that I was obtaining a loan to consolidate and this loan would be paid off before the next payment date ( I didn't have an exact date ). I have NEVER made a late payment and they have already issued a repo order at less than 14 days past due and a promise to pay.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

I am personally filing this complaint to address an issue regarding late payment entries on my credit report. Upon reviewing my records, I discovered these late payment listings. However, more than 30 days ago, I sent correspondence about this matter, but I have not received a response, and they have failed to provide me with adequate validation of these supposed late payments. I kindly request your assistance in resolving this issue promptly and satisfactorily.
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MD)

From the last correspondence in case # XXXX, the company admitted to attempting to fraudulently collect on a debt past the Statute of limitations. I live in the state of XXXX where the Statute of limitations legally is 3 years for credit card debt, it is now year XXXX. Also, you continue to illegally send mailed correspondence to one of my rental addresses. You continue to break the State laws by attempting to illegally collect on a debt that you have already admitted to having since XXXX XXXX, it is now XXXX. I have also sent a Congressional letter to my state officials because of your continued harassment and illegal collection practices.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (OR)

I am writing regarding a concerning matter in my credit file. I have noticed a collection entry from your agency that I was not previously informed about. I have serious doubts about the accuracy of the claimed debt. Under the Fair Debt Collection Practices Act, I am exercising my right to request validation of this debt. I kindly ask that you provide me with the required validation and address this issue appropriately.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MD)

Account name : XXXX NORDSTM/XXXX XXXXXXXX Account # : XXXX XXXX Account type : XXXX Revolving Account Status : XXXX Open Credit Limit : XXXX {$0.00} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Current Monthly Payment : XXXX {$40.00} Balance : XXXX {$410.00} No. of Months ( terms ) : XXXX XXXX Past Due : XXXX {$0.00} High Credit : XXXX {$500.00} Date of last Payment : XXXX XX/XX/XXXX Last Reported : XXXX XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX 2 Year History : XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Consumer disputes reinvestigation in progress Credit card In accordance of the fair credit reporting act Nordstrom Credit creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open credit plan as late for any purpose.