davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I received your XXXX Card in the Mail without a payment address. It had a XXXX XXXX logo on it. This was in fact a dual purpose account. The clerk in XXXX never explained it to me when she gave me the card. The correct name of the card is XXXX/XXXX, not XXXX XXXX Prior to the payment being due I sent the payment to XXXX XXXX. They received the payment and showed as a credit on my account until it was transferred several months later. 

The payment was sent to XXXX XXXX, with the XXXX Credit Card Number on it. I called the XXXX number on the back of the XXXX card and advised them. I was told they would take care of it. They never did it until I made several additional calls over a period of months. 

I have written numerous letters to XXXX, this matter has never been resolved although I was in constant contact with the XXXX credit card department. 

Received a letter datedXX/XX/XXXX/XX/XX/2014, informing me it would be taken care of, it never was. Note the letter is not completely accurate as it does not show all the contact made between the parties including XXXX XXXX They were very quick to add fees and interest and interest to the fees and interest to the interest on the fees. Although they were unable to transfer money to the correct account. Bottom line the principal amount ( s ) were paid prior to the due dates. 

My opinion company XXXX is a mill to attempt to generate fees and interest, I caution everyone to be very careful and document everything religiously as it occurs. 

Their business model is to give credit to those who can not afford it and fee them to death. A quick search of the internet shows the type and number of complaints. 
Companies with this business model should not be allowed to operate, they are XXXX the American Consumer.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

I opened an account with XXXX XXXX, ( XXXX XXXX : $ XXXX ) approx.., XX/XX/XXXX with a direct deposit status. 
On, XXXX XXXX, XXXX I was XXXX  in the XXXX XXXX XXXX XXXXXXXX ( XXXX ). Until XX/XX/XXXX. 
I couldn't get into this account until XXXX XXXX, by identification of another match account 's ID verification. 
Upon accessing the account, I discovered multiple fraudulent activities from XX/XX/XXXX, to XX/XX/XXXX. 
On, XXXX XXXX XXXX, I reported these facts and filed a fraud complaint # : XXXX. 
Explaining ( the above ) and present facts : I was XXXX in the XXXX during these transactions. ( having no access to my account ) XXXX XXXX XXXX XXXX  XXXX XXXX can provide verification of my XXXX 
I gave no one authorization or access information to my account. 
Over Approx., {$21000.00} was fraudulently stolen by persons Identified in the transaction activities of the account. 
On XX/XX/XXXX I called for an update and discovered the claim was closed on XX/XX/XXXX, without reason or action. 
I was never contacted for any type of investigation or reason as told on XXXX XXXX, XXXX No investigation was done, nor was I contacted with the actions of closing the complaint. 
No reason was put in the file for closing the complaint after 90 days. 
I was only advised to file a new complaint.
Consumer complaint received 2024-05-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (TX)

I have provided details about the computer hijacking incident regarding our payments from XXXX. However, there is still more to my claim. I have already settled multiple WiFi accounts that were compromised by the scammer who continues to cause damage. The scammer has managed to manipulate our account by adding over 120 days and extending it beyond the usual 30 days, with full access to all three credit bureaus. It is imperative that Star Furniture takes necessary measures to address this security breach urgently.
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (CA)

KINGS CREDIT SERVICE Reported : XXXX. XXXX, XXXX  {$820.00} To Whom It May Concern, I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Consumer complaint received 2024-05-26
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (GA)

I made a purchase from XXXX XXXX. I returned all the items and paid the return fee. I then received a bill for the merchandise. I called several times and told them that I didnt owe them anything. They continued to send me bills. I placed a complaint and they finally said I didnt owe anything. But as this took them so long. They had reported my account to the credit bureau. They never removed it and it has affected my credit score by a good amount. I believe the items ordered were in XX/XX/XXXX. I even mailed a dispute on XX/XX/XXXX. They still tried to say I owed them. It took a long time before a phone call to a supervisor finally got them to say I didnt owe anything. But they made it seem like they wrote it off and closed my account. Ill NEVER buy from them again XXXX
Consumer complaint received 2024-05-08
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. (FL)

What happened? 

Multiple student loans from XXXX have been inaccurately reported on my credit report. These loans should not be appearing on my credit report as they are protected under federal law. 

XXXX : - XXXX  XXXX XXXX from XXXX have been erroneously included on my credit report. 
- The loans were disbursed on the following dates : - XX/XX/XXXX ( Loan XXXX ) - XX/XX/XXXX ( Loan XXXX ) - XX/XX/XXXX ( Loan XXXX ) - Each loan has a specific loan account number and amount. 

Actions taken : - I have not taken any actions regarding these loans, as they are protected under FERPA ( 20 USC 1232g ( b ) ) and should not be reported on my credit report.
Consumer complaint received 2024-05-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: DriveTime (DE)

On XX/XX/2024, I applied for and was approved for an extension of credit to finance a vehicle at the Drive Time dealership in XXXX XXXX, Delaware. They informed me that they would extend the credit for a vehicle if I put a cash down payment. I informed the dealership and their customer relations department that it is unlawful to advertise a down payment pursuant to 15 USC 1662. They insisted that I still had to put cash down to secure my financing and took no accountability for violating my rights as a Consumer.
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I recently sent letters on XX/XX/2023 to XXXX, Equifax, and XXXX regarding problems on my credit report. There is a female name reporting, XXXX accounts reflecting false late payments, and unauthorized inquires. I asked them to remove these issues and i did not get any answers. I have been patiently checking my credit reports, but the problems are still there. On XX/XX/2023, I sent another set of letters, but I am very frustrated that I am being ignored. These issues are hurting me as a small business owner and preventing me from expansion of my company.
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (UT)

I called CHASE credit card about an unusually high balance on my card. I pay my balance in full every month. There was a difference of approximately {$1400.00} that was explained to me as charges that were assessed after my last payment on XX/XX/year>. I informed them that I paid these charges on XX/XX/XXXX and nothing was pending when I made the payment in full. I was told that these charges were from the XXXX and had not " hard posted '' until the XXXX ( apparently after my payment coincidentally ) even though they showed not in pending status at that time and some charges from the XXXX had posted. I asked for itemized list of charges, posting times, and account balances ( what they were looking at as they explained this to me ) they said they " can not provide that '' I asked why, and was told repeatedly, they just can not. I believe at worse I am being assessed twice for the same authorized charges and at the very least I am being not provided transparent information that is due to me as a consumer. Regulation needs to be enacted and policy changed/enforced to protect consumers and force credit companies to provide accurate information.
Consumer complaint received 2024-05-26
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 (KY)

This complaint is in reference to Chime Bank improperly or not conducting investigations related to fraudulent charges. 

On XX/XX/XXXX, I received notifications from the Chime banking account that my bank card was charged twice ( total {$520.00} ) for XXXX XXXX charges. Because I had not initiated any charges, I turned off ability to charge my debit card through the banking app and immediately contacted Chime customer service. I initiated a dispute through Chime and was issued a new banking card. At the same time, I contacted XXXX XXXX to open a fraud case because while my banking account was charged, there were no purchases attached to my ticket master account, proving the charge was fraudulent. I was initially issued a refund from Chime at about 3 days. As a result, I later called and closed my ticket master case. Approximately 30 days later, I received a notification from Chime Bank stating they had conducted an investigation and determined there was no wrongful withdrawal. I contacted Chime back to reopen the dispute and as they suggested, requested documentation of the investigation. Have attempted to request documentation of the " investigation '' at least 3 times in 20 days. I have never received the documentation. I reopened the dispute XXXX additional times and was provided the same information. On, XX/XX/XXXX, I contacted XXXX XXXX again to reopen the fraud claim. On XX/XX/XXXX, XXXX contacted me acknowledging that there was indeed fraudulent activity and initiated my refund. Regardless of information I provided to chime which included details that my personal information was exposed in an XXXX breach and copies of the XXXX XXXX  account charges which showed no charges on the date in question, the refused my refund AND would provide no details related to their investigation except to state that they conducted XXXX despite my request for documentation on XXXX separate occasions. 

I have since had to dispute another charge with Chime and receive a new card in less than 45 days time. Because I am concerned that I receive inadequate responses I have no choice but to close my Chime account. Upon researching I saw news that the bank has not been refunding accounts when closed and have resorted to transferring large sums to other banks before I can close my account.
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONSTAR MORTGAGE LLC (NJ)

Keeps calling my personal cell phone, but when I answer they hang up on me. I called back and it 's Nationstar attempting to collect a debt or loan, however, I have no account with them nor do I have anything negative going on financially. She asked me for my social security number and I refused. She then asked for the last XXXX digits and zip code so I gave her that. She said my account was invalid and to provide the proper info. I told her I have no account which is why I am calling and asked her to remove my number from the call list. She said she ca n't do that until she pulls up my account. I asked to speak to a supervisor numerous times and that I do not have an account and she just kept saying the information I gave her was invalid then she hung up on me.
Consumer complaint received 2024-05-26
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

ACCORDING TO FRCA SECTION 605B, IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION, THANK YOU PLEASE REMOVE FROM MY CREDIT REPORT
Consumer complaint received 2024-05-26
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: Account Resolution Corporation (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear ACCT RES CRP, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft laws, specifically the Missouri Revised Statutes Chapter 570.

It has unequivocally come to my attention that ACCT RES CRP has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri Revised Statutes Chapter 570 establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft laws underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for ACCT RES CRP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand that ACCT RES CRP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Chapter 570. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws.

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that ACCT RES CRP will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Dear Sirs : My mortgage loan with XXXX XXXX was transferred to SLS ( Specialized Loan Servicing LLC ) on XX/XX/XXXX without my knowledge or authorization. I was paying XXXX XXXX {$1500.00} for years and never was behind on my escrow payments. My payment included {$240.00} towards my escrow every month and as I said, it always covered my yearly taxes and insurance, which have not changed at all in many years! Now, SLS is counting {$200.00} only towards the escrow at the same time as raising my mortgage payment by {$36.00} for a total payment of {$1500.00}. They are using the excuse that they are collecting for XXXX! I verified with a mortgage banker at XXXX XXXX and she also said what they are doing is illegal. I want my payments to go back to {$1500.00}. 32 with the escrow at {$240.00} ... If you look at it, by SLS not including {$32.00}. of my payment towards escrow and raising my payment by {$36.00}, they are illegally collecting a total of {$68.00} for their benefit!! 
I do not trust them and certainly do not want to do business with them and unfortunately do not have any income at this time so I can't get a refinance with anyone else!
Consumer complaint received 2024-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (GA)

I use Robinhood. On XX/XX/year>, I got a message saying XXXX  amount and this XXXX  amount from XXXX was sold. Got a notification saying the funds were being transferred to a made up XXXX XXXX. Actually XXXX XXXX XXXX cards. I freaked out. Called Robinhood immediately. Was on the phone with one person for quite some time. He was asking me a bunch of questions. He even told me that from XXXX different locations ( XXXX and some place in XXXX  ) the transactions happened. I live in XXXX, XXXX. Long story short, they refuse to give me my money back. My account was compromised. Please help. Robinhood has the WORST customer service ever! They will not help at all. I lost over {$3100.00}. They are like basically oh well!
Consumer complaint received 2024-05-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (WV)

I was unable to handle my own affairs for over 6 months and set my auto payments up to be automatically drafted. I also had a power of attorney in place Santander Consumer refused to share information with my custodian and when they finally did the payments were behind a cashier check was then sent to them to pay the missed payments. The check was stolen and They were notified and a bank draft was made to replace the check which made the past due current. SANTANDER IS NOW REPORTING my account as a charge off repo on my credit bureau.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The state of my credit report is profoundly concerning, and my dissatisfaction is comprehensive. It is not just highly embarrassing ; it is evident that either you or the company bears responsibility for reporting this inaccurate information.I AM NEVER LATE IN THIS ACCOUNTS
Consumer complaint received 2024-05-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

On XX/XX/2024 I sent a letter to Jefferson Capital Systems about a debt collection from their company that is on my credit report. On XX/XX/2024 they sent a letter back stating that in order to handle my recent inquiry they would need a copy of my credit report with their trade line on it as well as my personal information including my social security number. The debt is not mine, I never signed up with the original creditor and I had no acknowledgement of the debt until I randomly checked my credit report and saw the credit line in question.
Consumer complaint received 2024-05-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (VA)

I am filing a complaint over the complete failure of Sendwave to deliver funds to my XXXX XXXX XXXX Account in XXXX. 

I initiated a {$2000.00} transaction on XX/XX/year>, and the funds have yet to be delivered to me. I received a misleading notification on XX/XX/XXXX that the funds had been delivered, but my XXXX account was never credited. 

When I contacted Sendwave, I was put through the unnecessary hassle of providing my XXXX XXXX XXXX XXXX XXXX ) account statement to prove my claim, which I did. 

Despite repeatedly calling and demanding a refund, nothing has been done. This situation has escalated beyond acceptable limits, as this XXXX transaction has been unresolved for over 12 days. I have asked for a refund since they're having issues with their local partners but to no avail. This is completely unacceptable and deeply frustrating and would appreciate some assistance with this. 

Thank you for your anticipated response XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
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. (KY)

In accordance with the Fair Credit Reporting act XXXX  Acount # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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
Consumer complaint received 2024-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Profit Recovery, Inc., Marlborough, MA Branch (FL)

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.