davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
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 (IN)

On XX/XX/year> I transferred my XXXX $ life savings into my Chime checking account to help me survive financially at that time because I was fighting for full time XXXX due to my severe XXXX, XXXX, and XXXX that was caused by two combat deployments to XXXX while in the XXXX XXXX. Due to my XXXX I was unemployed at the time and still am while I'm waiting for my XXXX to be approved. That money arrived in my account around XXXX on XX/XX/year>. A little later in the day on the same day at XXXX I started to get these weird notifications of all these XXXX $ charges happening every XXXX mins at a website I had only used a couple times in my life. So I immediately tried logging into my Chime account but whoever had hacked my account almost made it impossible for me to get back control of my account. I eventually got my account back and immediately opened the live chat and explained what was going on and told them to stop every transaction that's going on that's it not me and they assured me everything would be fine that I would just have to wait for all the charges to settle and then I could dispute them and get my money back with no problem. Receiving that information made me feel alot better about the situation even though I eventually got locked back out of my account. After doing my own research and finding others this has happened to it was clear the hacker was on a gambling site called XXXX XXXX and was using my account to buy himself credits on the game. Once all this weird activity started happening.. I would get security login emails showing the person was in XXXX XXXX XXXX, heck even one of them showed no location, no device, just the date and time. It was very obvious this was not me because I haven't left the state of XXXX XXXXn several years. Keep in mind the person somehow hacked into my XXXX account, my XXXX, my XXXX pay, and my XXXX photos and completely stole my identity as well. Please look at the times of the charges at the XXXX XXXX  site.. the hacker was spending XXXX $ at a time every XXXX mins. It was very obvious what was happening.
Consumer complaint received 2024-02-16
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: Consumer Portfolio Services, Inc. (TX)

When shopping for a car the dealership i went to said they wouldnt run my credit to any of the banks they were just going to check it internally and yet they ran my credit to many different banks XXXX
Consumer complaint received 2024-02-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I have tried to use my American Express gift card online and the card is being declined. I called America. Express and checked the balance and verified that the card is active but it is still getting declined when I try to use it. I called American Express customer support several times and their only advice to me was to try to use it with a different merchant. They blamed the merchant for declining the card and said they could not help me. I called the merchant and they assured me that they accept American Express gift cards and that they were not declining the card. I tried this with several different merchants and have had the same outcome. I am unable to use this {$1000.00} American Express gift card online as well as XXXX additional cards XXXX for {$200.00} annd XXXX for {$50.00} and American Express customer service is not trying to resolve this issue at all. I should be able to use these cards at any merchant that accepts American Express and not have to keep trying different merchants until XXXX finally works. This is a problem on American Express ' end and they should be willing and able to resolve it immediately for their customers.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (TX)

I am writing to file a formal complaint against WORLD FINANCE, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
WORLD FINANCE, with contact information at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone number, XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that WORLD FINANCE has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against WORLD FINANCE to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold WORLD FINANCE accountable for their unlawful conduct. 
Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.
Consumer complaint received 2024-02-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (FL)

XXXX of XXXX. I went to pay my mortgage payment and it was over {$200.00} higher. I immediately made contact with the company/servicer PHH MORTGAGE at : XXXX. I spoke to retention manager XXXX. He advised that my insurance went up and I was no longer 100 % permanent in total. He said I was partial so Im being charged property taxes. I advised him I was enrolled in XXXX and I was still 100 % permanent and total with the government and state. I also stated my insurance did not go up ; in fact, it does not renew until XXXX of XXXX. He confirmed that he had the tax exempt form from my county in my files, he does see Im exempt, but he believes its partial and my insurance went up. I emailed him the documents and contacted my insurance company, who confirmed it is still at XXXX ( XX/XX/XXXX- XX/XX/XXXX ) and it did not go up. They emailed a declaration page, I immediately forwarded to PHH MortgageAttention XXXX ). XXXX never returned my calls. He is completely unavailable. Customer service representatives for this company continuously read his notes, advising that he has not received any documents, and that he is not in his office and/or at work. They also formed me that he called me back at a phone number that was not my phone number and at an unknown email that is not my email. I confirmed my contact information, I have sent documentation to include, all my current contact information, and advised that my contact information is current with the company. I have not received no response and no explanation. I dont know why hes emailing and calling numbers that are not mine. I was forced to contact usa.gov mortgages submitted a complaint because my VA loan is being mishandled. My payments are extremely high. I was not contacted., of any explanation of why it was raised. And no one is returning my calls or emails and I have resubmitted the documentation that is already in their file. VA took the case two days ago, and begin investigating, because what Im being told is not true. The company continues to ignore me, but raised my mortgage for personal reasons which is unlawful. Ive never missed a payment nor been late.
Consumer complaint received 2022-11-23
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. (NY)

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 u.s.c 1681 XXXX of XXXX # XXXX .... 
XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX  XXXX .... Said accts have violated my rights 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 written instructions.

15 u.s.c 1681 c. ( 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 7 years.

15 u.s.c 1681 S-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 2023-05-08
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. (TX)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (NY)

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 u.s.c 1681 Dept of EDXXXX # XXXX .... 
XXXX XXXX XXXX XXXX XXXX 
U.S. Dept. Education # XXXXXXXX XXXX Said accts have violated my rights 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 written instructions.

15 u.s.c 1681 c. ( 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 7 years.

15 u.s.c 1681 S-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 2023-08-28
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

I called Navient on XX/XX/year> asking for the school misconduct form and requesting a forbearance along with another form to be sent to my email. The lady claimed she didn't know what I was talking about and got another agent on the phone who said they will be emailing a forbearance form along with another form. I got transferred back to the first agent and asked can my forms be mailed to my home address and was told no. They would have to be sent to my email. After explaining everything will be sent I hung up. After XXXX hours of waiting for my forms and still nothing. I called back and talked to the automatic system and I said I need the school misconduct form into the system and the line was disconnected.
Consumer complaint received 2023-12-01
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

Have tried making multiple online purchases ( tried different merchants ) with the Amex gift card where the total amount of the transaction is less than the remaining balance on the card. However, I continue to get this message " There was a problem processing your payment. Please re-enter your payment information and try again. '' In my most frequent attempt today on XX/XX/23, the purchase was for {$29.00} and the balance of the card is {$32.00}. 
I have tried calling Amex, but am not able to speak with an individual and get sent in circles.
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (CA)

I paid my lease in full to American Honda Finance XXXX on XX/XX/XXXX and they have verified that it has been paid in full. They still remain on title as a lienholder. I contacted them numerous times since XX/XX/XXXX ( yes XXXX ). They emailed me an odometer statement which I filled out and sent back to them in XX/XX/XXXX and again in XX/XX/XXXX and again XX/XX/XXXX. They said they still havent received it and sent me another one. I sent it back again. I did this a XXXX time. It has been XXXX years, yes XXXX years! This lease was paid in full as I exercised my purchase option and paid it in full with certified funds on XX/XX/XXXX and I still have not yet been given a clear title. They still show a lien on my title. This car has been totalled and this has been a huge problem because my insurance company is unable to settle my claim because they still show that there is a lease against it ( when there is not ). This has been XXXX years!! I have called XXXX numerous times with extensive hold times ( hundreds of hours ). Then they keep transferring me from XXXX department to another. I have verified with every department that I have 100 % paid this vehicle off in full and am the owner outright. American Honda Finance XXXX has been terrible to work with. Their customer service is horrible. This is a simple issue and should not be delayed. They have received all of their money XXXX  years ago. But I have not received my collateral. This is unjust, unfair and they should not be allowed to get away with this. I am a senior citizen and deserve protection from this scrupulous company. I paid every all of my monthly payments on time and paid the full lease buyout at the end. They are 100 % paid and there is no excuse for this.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On Saturday, XX/XX/2024, I opened my CHASE BANK savings account and to my horror discovered that in 3 separate transactions, {$240000.00} had been fraudulently removed from my account. I immediately contacted CHASE, began a notice of fraud and disputed the transactions and closed the violated account. 

I was informed by CHASE the $ was attempted to be sent to 2 fraudulent XXXXXXXX XXXX accounts opened by the thieves, without XXXX contacting me, on Friday, XX/XX/2024. 

I truly believe that due to my efforts and pursuit of justice, the thieves never succeeded in acquiring access to my money. 

CHASE has reimbursed me in full plus some interest. 

Neither institution has apologized. XXXX informed me that they will no longer accept me as a client within their banking institution. 

XXXX XXXX XXXX XXXX. Had I committed such acts of negligence I would have been sued for malpractice. 

I would like to seek monetary damages against CHASE and XXXX banks for their breaches of security and for the detrimental physiological impact each have inflicted upon me. 

How can your institution help me? 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2024-02-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC (AZ)

Was attempting to have solar installed by XXXX who uses Mosaic to finance. Shortly after speaking with XXXX and applying for installation I cancelled the installation sometime early last year. About 2 months ago I received a letter from Mosaic that stated account was coming due and when payments would start. I phoned Mosaic and informed them the installation had been canceled. On XX/XX/15 I received an email stating I had a delinquent account from Mosaic on credit report. I phoned Mosaic who stated the account had been canceled, yet they reported it as delinquent on my report. Mosaic also refused to remove it from my report, stating they only report once a month. The Mosaic account number is XXXX. Mosaic XXXX XXXX XXXX. XXXX. 

Any help would be appreciated, Thx XXXX
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MN)

Hello, after repeated attempts and interminable phone tree choices I have been assured that " the check is in the mail ''. 
I am to please understand that up to seven working days are needed to allow the check to arrive. 
the last check sent to to me by Nationstar actually bounced a week after depositing it in my checking account. 
I repaid my loan in full via electronic funds transfer on XXXX/XXXX/15. It is XXXX/XXXX/15 today. 
it seems like there are XXXX very distinct sets of rules here. XXXX set for me as the borrower with strict timelines and harsh consequences. 
and basically no rules at all and with no consequences for Nationstar. 
I would like to speak to a representative from your department at earliest opportunity. 
Thanks, XXXX XXXX