davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (MO)

Hello - Chime Bank is reporting different amounts to the credit bureaus every month. 
-Chime is reporting my secured credit card as a regular credit card with an open balance. 
The balance is more than my direct deposit monthly. 
-Chime has violated the FCRA Law I believe. 
-I have contacted Chime several times asking for them to correct reporting to the credit bureau XXXX 
-I received several responses basically ignoring my concerns. 
One email was sent by Chime told me to contact the FTC. 
I responded it's Chime 's responsibility to correct their errors. 
-When I call Chime I get nowhere. When I ask for a manager or legal department Chime refuses to transfer me. 
- I have contacted all Credit agencies to file a dispute against Chime. I was told that my report showing an open credit card balance does affect my credit. I was told that it is Chime 's error to correct. 
-I asked Chime for my secure card statements and was refused. 
-This incorrect reporting has horribly affected my life and credit. 
Thank you
Consumer complaint received 2024-09-21
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2023-05-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Re : Account # XXXX To Whom It May Concern : Please provide me with the original installment sales contract, along with any notices that were sent to me in regard to this vehicle in accordance with Alabama state law. Furthermore, I ask you send me the payment ledger for all payments made for this vehicle, including any downpayments. Please also send how you calculated what you claim I owe. 
Also, I would like to point out that you are reporting inaccurate information to the credit bureaus. I would like to give you a chance to correct the information, or please delete the adverse and incorrect information that is being reported to the credit bureaus by you, Capital One. 
I would also like to add that I was a servicemember at the time of my purchase of this vehicle, please udate your records accordingly persuant to SERVICEMEMBERS CIVIL RELIEF ACT ( SCRA ) 50 U.S.C. App. 501-597b1. I will provide records and proof upon request. 
Thank you for your assistance, XXXX XXXX
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NC)

The Fair Debt Collection Practice Act and The Truth in Lending Act 1968 the There is abundant evidence of the use of abusive, deceptive and unfair practices. 15 US Code Section 1692 D harassment or abuse. ( 4 ) the advertisement for sale of any debt to coerce payment of the debt, And false and Misleading misrepresentation
Consumer complaint received 2023-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc. (CA)

I called BSI in XXXX requesting assistance because I was no longer working. My Dads wife got XXXX and passed away and I had to become the XXXX for my XXXX. They said my account was in review with loss mitigation. It is now XXXX and I call and no one can help me. I requested to speak to supervisor and I keep getting the run around. They told me I had to fill out an application for assistance and I did and they also requested all my income information. I provided everything and I have had no response since XXXX. I spoke to someone at one point and he told me I had to pay or I was going to lose my home. I made a payment, I had to borrow it. He told me I wouldnt qualify for a modification because my rate is XXXX. I am in so much distress. This company has no sympathy whatsoever. I read on FHA site that as of XX/XX/2023 if you have FHA loan that Lender is only required to receive a verbal request for assistance. I have done a verbal and written. I think BSI is prolonging so that people can lose their homes. Please help me if you can. Thank you kindly
Consumer complaint received 2023-05-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

I am a Chase XXXX Card holder. 

Here is chase contact info : ( Chase Executive office email- XXXX ) XXXX ( XXXX ) XXXX On Sunday I tried to redeem XXXXXXXX XXXX to my XXXX Redemption Card . The online system did not work. I decided to call an associate who said it was done. I then tried to use card for XXXX  which did not work. I called back and spoke to a manager who said it would be done by Monday night. 

On Tuesday Night, nothing had changed and the issue was still not fixed and continued to be esclated. Essentially blamed XXXX for system errore and refused to provide me my money back as it was over XXXX XXXX 

I wrote letter to executive office who contacted me on Wednesday. The woman provided her information and again blamed issues on XXXX system issues and she would research the issuem So now I am out XXXX and chance I lose out on XXXX reservations using that money. 

Listen, not everything is going to work, but it is crazy that this can not be immediately fixed especially when acknowledging the problem. 

You can not advertise rewards by showing them in account and then when customer goes to use, there is all of the sudden issues. That is crazy. 

XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IN)

Despite multiple CFPB complaints citing REAL laws, cease and desist orders, and identity theft reports, This company continues to email me and send me mail for a debt that is NOT MINE. I have proven per previous complains that the debt is not mine and that they are in violation of my rights as a consumer. The accounts are to be removed immediately and i want restitution for the damaged caused to my credit, being in non-compliance, and for the mental and financial stress this has put on myself and my family. My home currently has no heat and i have XXXX kids to take care of because i am unable to access credit that is rightfully mine thanks to the inaccurate reporting and NON-COMPLIANCE of this company. Negligence of the law is no excuse for your actions. Find the previous CFPB complaints. I'm not doing any more of your work for you.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI (FL)

I am writing to address a matter of utmost concern regarding an alleged debt collection activity initiated by the General Revenue Corporation ( hereinafter referred to as " GRC '' ) approximately XXXX months ago. The purpose of this complaint is to underscore what I perceive to be a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ). 

During the aforementioned time frame, I was contacted by a representative of GRC via telephone. The purpose of this communication was to request payment for an alleged outstanding balance associated with XXXX XXXX. At that time, I took the opportunity to clarify my stance on the matter. I explained to the female representative on the phone that I had previously disputed the balance in question directly with XXXX XXXX. I emphasized that, according to the terms of my XXXX loans, it was XXXX XXXX XXXX responsibility to address and manage any financial obligations on my behalf. To my astonishment, my sincere explanation was met with a sarcastic comment from the GRC representative, which I found to be highly unprofessional and discourteous. 

Furthermore, during this telephone conversation, I explicitly requested that GRC provide me with all pertinent documentation pertaining to this alleged debt in writing, as mandated by the Fair Debt Collection Practices Act. According to this legislation, debt collectors are obligated to furnish a written debt validation notice within five days of their initial contact with a debtor. This notice should include crucial information such as the amount owed, the name of the creditor, and instructions on how to dispute the debt in writing. Regrettably, I have not received any such documentation from GRC despite my repeated requests. 

To compound these concerns, I have recently discovered that GRC has reported this disputed debt to a credit bureau. This action has had a detrimental impact on my creditworthiness and financial standing. This act, coupled with the aforementioned issues, demonstrates a disregard for both ethical debt collection practices and the legal obligations outlined in the FDCPA. 

I am deeply disappointed by the unprofessional conduct exhibited by GRC during our interactions and the apparent disregard for the FDCPA regulations that are in place to protect consumers. Therefore, I kindly request that GRC immediately cease all collection activities related to this alleged debt and rectify any negative reporting made to credit bureaus. I understand that GRC will try AFTER this complaint to mail me the required information, but at this point, they have violated the FDCPA.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-14
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: Credence Resource Management, LLC (AZ)

on or about XX/XX/23 i started receiving notifications about a change on my credit report and after investigating I found a derogatory entry from a collection agency. 

I never received any calls, mail or emails regarding this situation from either the original creditor, XXXX XXXX XXXX, or the collection agency, CREDENCE RM ( Original Creditor : XXXX XXXX XXXX  ). 

Had I received any notification of this situation I would have paid this obligation as my existing credit history surely demonstrates. 

Credence RM did not reach out to me about this obligation and the first that I ever knew there was an issue was when I received notifications that my credit score had changed. 

My understanding is that there is a legal obligation to reach out to the debtor before just posting derogatory information to their credit score. 

I want this derogatory information removed from my credit report and I want this Companies practices noted. I would also like XXXX XXXX XXXX to consider not using this Company to collect on debts.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc. (CA)

In XX/XX/XXXX I received a physical credit card from XXXX XXXX. I notice someone was using my social security to open a lot of credit card. I report it to the police and made a police report. The police report is current still pending for me to receive it. I did call the companys of the credit card to make sure to let them know it was not me. 
I notice I still have some inquiries in my credit report XXXX that are affecting my credit score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All these inquiries on my XXXX credit report I did not apply for. I have not applied for any credit since XXXX XXXX XXXX XX/XX/XXXX Thank you
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (IL)

I was a victim of identity theft. I was unaware of it until XX/XX/XXXX. There was vehicles purchased in my name as well as rent. I noticed on my credit report a balance owed to RENT RECOVERY SOLUTIONS {$9400.00}. Original creditor being XXXX XXXX XXXX. I've never lived in XXXX XXXX XXXX. I've only lived in XXXX XXXX. This is inaccurate information and this debt does not belong to me. 

RENT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC (VA)

Carvana refused to finance me. I believe I was discriminated against for having a XXXX. My loan was not approved because I could not provide income tax returns. I am XXXX my XXXX comes from XXXX XXXX. I am not required to pay income taxes on my XXXX therefore not required to file an income tax. While I explained that to XXXX and even sent proof of that statement from XXXX  XXXX they refused to finance. I provided XXXX XXXX bank statements that clearly showed my XXXX deposits.
Consumer complaint received 2023-04-28
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. (IA)

our company is in clear violation of the law. Under 15 USC 1681 permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

IVE NEVER GIVEN YOU ANY WRITTEN INSTRUCTION TO FURNISH THIS ON MY CREDIT REPORT. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph ( 3 ), the term consumer report does not include - Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report :
Consumer complaint received 2024-05-16
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 (CA)

I have received a {$500.00} American Express gift card as a XXXX gift. I have not been succesful in buying products and using it. I was able to make one purchase from XXXX but now it doesnt work at XXXX . Ive tried using it at XXXX XXXX, XXXX 's, XXXX XXXX with no success. I am not able to go search for retail outlets that may accept this card at this time as I am at home. 
XX/XX/XXXX the card was purchased from a grocery store. 
XX/XX/XXXX XXXX card declined " missing security code '' {$140.00} XX/XX/XXXX XXXX -successful purchase -woo hoo {$20.00} XX/XX/XXXX XXXX XXXX Declined `` missing security code '' {$35.00} Many Times on XXXX I tried and it was declined and purchases go back to default payment. 
XX/XX/XXXX XXXX XXXX declined {$450.00} XX/XX/XXXX balance left on the card {$470.00} I would like to use this card, but where is it accepted. I assume Amex makes it difficult to use in hopes it wont be used and they will make money off of these cards. 

As I read online such as XXXX, it seems like many are having issues with the AMEX gift cards. Almost no where can they be used. So I am hopeless on how to use this gift card.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America suddenly closed my accounts on XXXX XXXX, 2024 and I have called weekly to ask about my remaining funds which they gave me a XX/XX/XXXX date and that it would be mailed in a cashiers check. I called today to confirm this and now they gave me an estimated XX/XX/XXXX date
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX
Consumer complaint received 2023-12-15
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. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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