davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX  I purchased a XXXX XXXX XXXX XXXX  at the end of XXXX in XXXX. I was charged almost {$8000.00} for a warranty I never wanted or received. When I called and copained they removed this charge on my account. However they changed the terms of my agreement and have harmed me and I want the orignal terms i signed up for. 

I signed up {$540.00} payments@ 1.9 % APR for 72 months. When they credited me back the {$8000.00} they never changed my payment from {$650.00} a month to the {$540.00} it should be at. I will then pay off the car almost 10 months earlier and I can't afford the {$110.00} more per month. 

XXXX XXXX XXXX XXXX XXXX  sold me this truck and GMXXXX Financiaal wont help me out either. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

There is many inaccuracies being reported to my credit report such as 3 different date reported, 3 different date late activity, 1 last verified and 2 blank spots, 3 different account status, XXXX shows open, XXXX shows closed and XXXX shows open 120 days late, collection companies cant report a payment history or late payments
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was sent to Collections ( Portfolio Recovery ) in XXXX for a past due balance on a XXXX credit card. Portfolio Recovery sued me in XXXX, I hired an attorney and was willing to negotiate pay options. My attorney and I went to court in XX/XX/XXXX and the attorney for Portfolio Recovery did not show up. The judge threw out the case ( I have documentation ) and I have been trying for at least 2 years to have this removed from my credit report. My dispute keeps getting denied even after Ive provided proof that this case was thrown out. Recently Portfolio Recovery has begun contacting me again about the same debt. I just want this removed from my credit report and for them to stop contacting me as Ive already gone to court per their request, they didnt show up and the judge threw out the case.
Consumer complaint received 2024-07-02
Product: Credit card — Store credit 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: CITIBANK, N.A. (CA)

I SUBMITTED MY DISPUTE for Transaction Error Date : XX/XX/XXXX, XXXX THE POLICE WHO THEN REFERRED ME TO THE CALIFORNIA STATE BAR. 
however, the credit card responded with, " We now consider this matter resolved and have completed our investigation. " due to the dispute is beyond 90 days. '' Any amount placed in dispute will still elitist along with the credit agency will be notified. 

It is important to point out that, I am charged {$2000.00} and I never received any good or services. This is " Unjust Enrichment! ".
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

Zelle Operator # XXXX, a XXXX XXXX issued me a case # XXXX. His first instruction was to open my banking app to the Zelle payment function and add an billing agent XXXX XXXX XXXX XXXXXXXX ) an send a code XXXX with memo VOID XXXX, confirmation # XXXX, to also screen shot the payment image to a office community number XXXX. The next protocol was to add billing agent XXXX XXXX ( XXXX ) in the app and send code XXXX with memo XXXX, confirmation # XXXX, also to send screen shot of the payment image to that same XXXX. XXXX then informed me that the original code of XXXX to XXXX XXXX had expired/not submitted timely and that XXXX would now tackle this issue by sending code XXXX with memo XXXX, confirmation # XXXX, with again sending the screenshot to community number XXXX. At this point, XXXX thanked me for my vigilance, that I would be receiving a survey in my email about my experience, that I would be transferred to a Bank Security Officer to file a police report to finalize the incident. XXXX XXXX XXXX went over and discussed with me the prior actions and codes that were issued to verify myself and remedy the situation, he then had me send a code XXXX to agent XXXX XXXX to finalize the incident, that I would be contacted within 24 hours to reassure any and all refunds were performed. I did receive those ( 2 ) calls at XXXX & XXXX the following day but was unable to answer. When home Wednesday evening, I had telephoned my mother who said that she was approached in the same manner, same suspicious transactions ( {$990.00} & {$1300.00} ) and a new bank account in her name with her phone number. She immediately hung up the phone after discussing my experience the day prior. This alerted me to check my account and no funds had been refunded. I contacted XXXX XXXX XXXXXXXX Thursday morning where they verified that I had been scammed. XXXX XXXX was great and issued me case # XXXX. I filed with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX, # XXXX and he has issued me case # XXXX. Sadly through my research that this has been ongoing and an issue that XXXX has been fully aware of ( since XXXX ) and still highly promotes the app as highly secure but with a clause that because I initiated the payments that my funds are unrecoverable. Fraud through Zelle apparently has been mounting tremendously that the issue has made it to Congress where XXXX and the other banks that helped create it warned/instructed to do better. Through my research and conversations that even through my due diligence I was unknowingly a victim by very good imposters who spoofed XXXX XXXX and Zelle phone numbers. They were familiar with the Banking protocols that I had experience previously.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

I transferred my entire balance from XXXX to my Chime account on XX/XX/XXXX. My Chime account shows the amount of {$420.00} being transferred. However, when I asked why I could use the funds, they stated they have a policy of a 3-5 days to put the money in the account. If the money was transferred XX/XX/XXXX then Wednesday would be the XXXX day. Friday the XXXX. They said because of the holiday that they funds were on hold until Monday, XX/XX/XXXX. I sent Chime a copy of my statement from XXXX showing the money had been transferred and my account balance was {$4.00}. Chime stated that XXXX could still recall the transfer. XXXX said they have no way of doing that once it is sent. However, Chime could reject it. Chime said they could not that XXXX had to recall it. This is outrageous. I am a XXXX XXXX XXXX and this is the only available money I have. I can not get my medication I need for tomorrow, nor any groceries. Chime has a way of when they receive deposits, and it arrives before a holiday, they will not release it until after a holiday. This has happened many a time with my Social Security deposit. I even asked them to release some of it and they refused. How can they take funds that are there and release them when they feel like it? If XXXX no longer has them, I know Chime does. My account shows it. I have had many transfers on this account and never, ever have they put a hold on any of them, not even the ones sent by a person 's bank. This is one bank to another. There are many things I have found Chime to do that no other bank or on line banking establishment does like Chime. For instance, they show a debit come in on a certain date, then two or more days later that debit might be moved to a different date. They ; 've tried to tell me I must have read my account wrong even though I print it out every day. XXXX also needs to be investigated for their practices. They send you a temporary card with a piece of paper showing your Routing # and Account # for direct deposit purposes. You don't receive anything telling you all the fees involved until you receive your permanent card. Each time you use your card you get charged {$1.00} which doesn't even show up on your account for a day or so. Plus, there is a monthly fee, an ATM charge to withdraw cash, etc. I use these cards for on-line payments only because I don't want my true checking account to get hacked. I used my card to pay my monthly bills and purchase groceries, medication, etc. Imagine my surprise when I checked my account 2 days later and found all these {$1.00} fees. It ended up adding up to over {$50.00}. That's a lot of money, especially when you were never told about these fees. I would have never taken out this card. I hope you can assist me with these matters. Especially, Chime. I've closed my XXXX.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

Shortly after buying this home XX/XX/year> I fell short due to divorce and my job. They put me on a Covid relief plan. After restarting my payments this last XXXX my mom was sick and we missed one month. Then they told me a few months later that I couldnt make any payments anymore that I would have to repay a whole year and a half. I tried telling them I was taking care of my mom that she was not doing well. They wanted proof but I was not able to do so at that time. My mom has recently passed away this XXXX.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-08
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: JPMORGAN CHASE & CO. (SC)

Hi, I have NOT authorized no inquiries from these following Companies : Nobody should be tampering with my information! 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I would like these inquiries removed from my report immediately it is hurting my score. Please assist me in doing so. 

Thank you
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (TN)

Spoke to XXXXXXXX XXXX XXXX in Account Resolution Dept transferred to the foreclosure dept spoke to XXXX XXXX XXXX stated the foreclosure sale date is still set for XXXX 
She advised there was no application for mortgage assistance. Again I'm being misled asked to be transferred to the XXXX XXXX to XXXX he advised my application is now being reviewed by the underwriters. He advised me to call back I asked about postponing the foreclosure sale date while it's in review, because CFPB rules says if a mortgage assistance application is in review all foreclosure action is to be put on hold and because sale date is not canceled this is a violation. He advised Wells Fargo foreclosure dept will not postpone foreclosure sale date. The review is nearing the complete stage for mortgage assistance. I have not received foreclosure letter from Wells Fargo or the foreclosure attorney with the foreclosure sale date. Why was I not notified of the sale date for my home. I am not being treated fairly by my mortgage servicer I don't want to lose my house to foreclosure.
Consumer complaint received 2024-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NJ)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX , Equifax and  XXXX  credit report. I been receiving death threats from   XXXX   XXXX   representatives. The following collection account is fraudulent :   XXXX   XXXX  ,  XXXX / XXXX / XXXX , Balance {$460.00}, the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of human trafficking of Debt bondage I am a victim of human trafficking of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION XXXX XXXX XXXX XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Dear XXXX XXXX/ Equifax : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; Equifax has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted XXXX/ XXXX XX/XX/XXXX. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (MD)

On XX/XX/XXXX, I received a call from a XXXX XXXX stating that he was from the Head Office of Visa/Mastercard Card Member Services . He identified my total credit card debt and offered a service which included a balance transfer. He stated that XXXX XXXX XXXX would arrange this. I was transferred to a Credit Advisor, XXXX XXXX at number XXXX. He explained the process and verified my personal information. I told him that I needed some time to think about this. He suggested that I give him a call on his direct line once I made a decision ( XXXX ). I called and left a voicemail stating that I did not want to move forward. On XX/XX/XXXX XXXX from, head quarters, verified that they received my voicemail but stated that once they start the process it can not be reversed. She claimed that they had a signed agreement from an XXXX phone on XX/XX/XXXX. I never signed anything and when I asked her to provide a copy, she stated that I need legal representation to get a copy of the call or the agreement. One of the cards they opened in my name was a JetBlue World Mastercard ending in XXXX with Barclays. 

In the meantime, I filed a report with the XXXX XXXX Police XXXX and an Identity Theft Report with the Federal Trade Commission. I provided copies of both to Barclays, XXXX and XXXX. Barclays conducted several investigations resulting in the original balance ( {$2600.00} ) being waived but the fees remained. These fees have left a negative flag on my credit report, thus impacting my credit score. 

XXXX XXXX XXXX has not been held accountable for the theft of my identity.
Consumer complaint received 2024-05-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

Deposited to check that I thought was good waited the amount of time the credit union wanted me to money was deposited I started spending money the check came back unpaid now I'm on the hook for {$6700.00} at mountain America credit Union
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-21
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: EQUIFAX, INC. (TX)

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.

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.