davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (CA)

I was charged {$130.00} four times on XX/XX/year> by XXXXXXXX XXXX. 

I did not make these charges at all and need my money back I cant afford to lose {$540.00} I called my bank chime to do a dispute all these charges and not even 1 day later I get an email telling me my dispute has been denied.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024 i noticed 101 purchases on my chase debit card totaling around {$5500.00}. These transactions were made to a online store called XXXX  XXXX ( clothing ). I talked to the bank and they only gave me half of that amount back because they said there was nothing else they could do. I also contacted the online store and they told me that they could not give me any information on the purchases for privacy of the buyer.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (GA)

My account with Credit Karma money spend was debited {$5000.00} on XX/XX/24 without my permission. I tried to dispute directly with the company but was denied and told the following : We have completed our research regarding your dispute and have determined that no error occurred. Regulation E only covers unauthorized electronic transactions. Since this is a charge you did authorize it is not considered to be fraudulent activity. 
Please be aware that you have the right to request copies of the documents that we used to make our determination. 
We apologize for any inconvenience this situation may have caused. Please feel free to contact our Customer Service Department at XXXX or visit support.creditkarma.com if you have any further questions or need any additional information. 
Thank you for being a valued Credit Karma member. 


Please assist me in the recovery of my funds.
Consumer complaint received 2024-08-01
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Flexible Finance, Inc. (AZ)

My apartment complex has suggested we pay rent through an app called flex, payment was made on XX/XX/year> to my complex received confirmation. On XX/XX/year> my apartment complex left a 5 day notice of no payment I immediately called them and XXXX stated he will have manager XXXX fix the ledger and XXXX would call me within XXXX minutes and that never happened. I have called multiple times they never answer the phones and when they answer its always the same response she will call me in XXXX minutes. I emailed rpm living 2 times called them as well I also emailed property manager 3 times and no resolution, they are purposely trying to have me be behind so they can make more money on fees and have me evicted. I also made several requests to have work orders done and they falsified saying work was complete. I dont owe anything and today is XX/XX/XXXX and Im blocked from making payments.. I have called every single day sometimes they dont pick up I work and dont have time to physically go in office but now I will have to take time off to speak with them, they are purposely trying to default me which isnt fair
Consumer complaint received 2024-06-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tally Technologies (NY)

I have received numerous predatory emails over the last two years from this company ( see attached ) and no offer to resolve my issue. I have received emails, which I have attached screenshots of, claiming my account was in collections, claiming my account will be charged after a certain date ( see attached ), but these are false claims, and the account continues to remain with the original creditor accumulating excessive interest charges. 

I have asked multiple times for a payment plan with a lower interest rate, and have gotten no offer of help in that regard. In addition to the false and predatory claims this company has sent me. 

I reside in New York, where these companies must comply with strict laws regarding lines of credit, predatory lending and predatory collection efforts. 

I have a lawyer lined up and ready to fight this company if I do not receive a satisfactory response and resolution to this complaint.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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.

Account Name : Chapter 7 Bankruptcy Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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 2024-06-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

Received a text XXXX XXXX XXXX XXXX XXXX XXXX associated with Chime banking. " Your Chime account is ready! Just download the app to access it : '' with hyperlink. I contacted Chime directly at XXXX to notify them of the fraudulent opening of that account attached to my phone number. I did not want to provide personal information other than to alert them of my number being used fraudulently. They did not close the account or place the account on hold/alert. I was told they can do nothing. My credit is already on freeze. So I am reporting to FTC and credit bureau
Consumer complaint received 2024-06-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (IL)

I previously worked with upstate XXXX XXXX before. Took a XXXX dollars loan and I paid it off ahead of time everything was smooth and all was a good experience. 
For the second time they were being a bit difficult by asking me a bunch of documentation s. I did submitted all the documentation even e video with me holding the driver license. 
I called inn to understand this scrutiny but the person on the phone told a whole different story nothing about the papwrwork the online system was telling me. 
My husband told me they did the same to him for XXXX dollars advance few years ago. 
Id say this is a pure discrimination regarding our ages and has nothing to do with their policy.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Despite consistently making on-time payments, this account is reflecting negatively with a late payment status. I discovered multiple billing errors that violate the provisions outlined in 15 U.S. Code 1666 ( b ) regarding billing errors.
Consumer complaint received 2023-05-04
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. (MI)

Re : Validation and Proof of Claim As I have no account with you, nor am I your customer, nor have I entered in a contract with you, nor does this debt exist I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : MIDLAND FUNDING LLC {$1400.00} Dollars 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed.

This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status.

I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they can understand a 1099c loss of income was filed with IRS, so this debt doesnt exist, nor does it report on my Credit.

I further insist that if you remove the garnishment, before I expose to the judge the fraudulent actions against consumers the Company participates in.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I, XXXX XXXX XXXX received a written communication from Toyota Financial Services indicating they are in the debt collection business and stated that the communication was an attempt to collect a debt. Pursuant to 15 USC 1692c a debt collector may not state that the consumer owes a debt nor may they use any language or symbol on the contents of any communication which indicate a person is in the debt collection business pursuant to 15 USC 1692b.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of XXXX XXXX and I'm requesting to remove these fraudulent items from my credit file resulting from alleged XXXX XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in XXXX XXXX. Once again HERE ARE THE LIST OF ITEMS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BELMONT FINANCE LLC (MI)

I've been XXXX  for 10months up until 3 weeks ago. This company has been hounding me for payment since XXXX even with the known circumstances. It got to the point even after I requested charge off and settlement they wouldn't work with me. The loan is for XXXX XXXX XXXX for the household. Super fancy fire detector, carbon monoxide, water detector which comes with a very high interest rate similar to a CC. Our last interaction included me requesting charge off and settlement again I even asked for them to notate the account again. I still receive daily phone calls multiple times from Multiple numbers even if I try to block them because of the consistent pressures to try and fix a subprime loan.
Consumer complaint received 2024-06-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (MI)

Carter-Young is knowingly relying on inaccurate information from their client. They have copies of the Paid-In-Full Lease Contract I signed as a Guarantor with an End Date of XX/XX/XXXX. Carter-Young also have a copy of the new XXXX XXXX, XXXX, that I did not sign as a Guarantor they are trying to collect on. XXXX is harassing me by negatively affecting my XXXX XXXX XXXX XXXX me to pay a debt I do not owe. I received one ( 1 ) notice from Carter-Young on XX/XX/XXXX, dated XX/XX/XXXX. I responded back to Carter-Young on XX/XX/XXXX, advising them this was not my debt. They sent the negative collection to my Credit Report on or before XX/XX/XXXX without allowing me thirty ( 30 ) days to dispute the inaccurate information.
Consumer complaint received 2024-06-14
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: CITIBANK, N.A. (GA)

XXXX HAS FAILED TO REMOVE THE 60 DAY LATE FROM MY CREDIT REPORT. 
CBNA HAS FAILED TO REMOVE THE 60 DAY LATE FROM MY XXXX REPORT. 
XXXX AND CBNA HAS CAUSED ME SERVERE DAMAGE TO MY REPORT BY REPORTING LATE PAYMENTS DUE TO UNAUTHORIZED CHARGES. CBNA AKA BEST BUY IS AWARE THAT I DID NOT MAKE CHARGES TO MY CREDIT CARD HENCE WHY I NEVER MADE A PAYMENT. CBNA CONTINUED TO REPORT THE LATE PAYMENT EVEN WITH DOCUMENTATION TO XXXX AND MULTIPLE PHONE CALLS TO CBNA EXEC. OFFICE EXPRESSING MY CONCERN. XXXX HAS ONE 60 DAY LATE PAYMENT ON MY CREDIT REPORT. XXXX IS THE ONLY BUREAU REPROTING THIS INACCURATE INFORMATION DESPITE DISPUTING WITH THIS BURESU NUMEROUS TIMES. I WILL SEAK LEGAL ACTION DUE TO THE DISSTRESS OF THE INACCURATE INFORMATION. XXXX HAS EXPOSED MY INFORMATION IN A DATA BREACH. THIS HAS LEAD TO UNARTHOIZED CHARGES ON MY CREDIT CARD,
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: JPMORGAN CHASE & CO. (OH)

15 U.S. Code : 1605, titled " Determination of finance charge '', defines the total amount of money in a consumer pay to borrow money in a consumer credit transaction. This includes charges imposed by the creditor, either directly or indirectly, and paid by the consumer directly or indirectly, as a condition of the credit extension. The finance charge does not include charges that would be paid in a similar cash transaction. 15 U.S.CODE 1662 Were no down payment is required. ( TILA ) Requires lender 's and dealer 's to provide you with certain disclosures-before you sign your contract that explains your auto loan costs and terms. Which is in my Finance charge which I been demanding a copy of and failed to get. 15 U.S. Code : 1611, Whoever willfully and knowingly. ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provision of this subchapter or any regulations issued there under, shall be fined not more than {$5000.00} or imprisoned not more than one year, are both.

Furthermore you did not have my consent to pull my credit Show me were I gave permission The ( FCRA ) 15 U.S.C 1681et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies Section 623 of the FCRA applies to any person who furnishes information related to a consumer to a consumer reporting agency
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (PA)

It was the end of last month I stayed at a hotel the XXXX XXXX the room was {$100.00} for the night as the also hold a {$50.00} dollar deposit incase of damages .I check out next day they inspect room no damages and they immediately drop the {$50.00} deposit. I used my cash app card and to date today cash app still has it as pending I contacted them numerous times to be hung up on at least a dozen times as well as told to provide them with a letter from the hotel satateing a XXXX balance .I did so they then proceed to tell me that what I provided was not to there likings an I have to provide them with exactly what they asked for a letter on company head with phone number my name and a XXXX balance .I did provide with all they asked and was told that's not good enough .. to where i call and I am immediately hung up on an get no response and they are still holding my money
Consumer complaint received 2024-06-13
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 (IL)

Two credit cards were attempted to open. One was XXXX XXXX and other one was Wells Fargo. I called experian and the credit card companies. The inquires were removed from my credit report and I locked my credit with experian for now
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (SC)

Per the FCRA, Im entitled to a complete and accurate credit report. Upstart is not abiding by these requirements on 2 accounts. There are multiple inaccuracies that Ive tried to dispute and reinvestigate with the credit reporting agencies that keep coming back as verified per the FCRA. Upstart is reporting an inaccurate date opened and last date active on both accounts. I demand for Upstart to delete BOTH inaccurate accounts from my credit report.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IN)

On XX/XX/XXXX of 2024 it was a Wednesday I had signed up for direct deposit with chime to have my husband 's paychecks from his job be deposited into my account I have talked to several Representatives some have told me nothing has been deposited or sent XXXX  chime. 

Then I have other Representatives that I've talked to both on the phone and in chat and they tell me it's in a manual review I don't know who to believe it is not my husband 's employer 's fault I have talked to them on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX all the way up to XX/XX/XXXX XXXX of the representatives that told me the check was in a manual review her name was XXXX. The amount of the check that was supposed to be deposited was in the amount of {$550.00} the payroll for my husband 's employer is XXXX. 

My husband works for XXXXXXXX XXXX XXXX XXXX that they have throughout the United States the one that he has employed at is located in XXXX Indiana under the name of XXXX XXXX and the parent company is called United States mineral product company in XXXX New Jersey We have been in touch with my husband 's human resource department as well as payroll for XXXX and we have been told several times they even ran a Trace and it proved that the direct deposit was sent to the chime account. 

But chime claims nothing showed up and what's so frustrating is one minute they say they receive nothing and then the next someone says it's in a review so either the money is there or it isn't but one way or the other it's not helping us.
Consumer complaint received 2024-06-06
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year>2024 JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear JEFFERSON CAPITAL, Subject : Settlement Demand Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I am writing to address the willful violation of the Fair Credit Reporting Act ( FCRA ) by [ Company Name ] which has resulted in significant damages to me.

Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I am entitled to statutory damages for your violation. I am willing to settle my claim for the damages I have suffered in the amount of {$1000.00}. 

Please send payment in the form of certified funds to the address listed above no later than XX/XX/scrub> 2024. That is 15 days from today. 

Should you fail or refuse to settle this demand, I will have no choice but to seek actual damages, which I believe will exceed {$1000.00}, as permitted by law. 

I look forward to your prompt response to this matter. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (GA)

I am not liable for this debt of {$12000.00} with Exeter Finance LLC. They did not provide me with the verification of debt as I requested ID verification and the original contract. Per 15 USC 1692c If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. I have sent Certified letters of verification of debt and Right of rescission on XXXX XXXX to the dealership, XXXX XXXX, to XXXX and Exeter Finance LLC expressing their errors and how to correct them and move forward.
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: Experian Information Solutions Inc. (MD)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.