davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (OH)

I received an series of emails to my personal gmail account informing me that somebody had created a Chime bank account in my name. The emails seemed legitimate so I called the fraud number that they had at the bottom of the email. A person with a XXXX accent answered the phone and in broken English the asked for further identification information that would have further compromised my identity. They asked me for my phone number and my address and my date of birth. I told the person on the phone that I did not open a bank account with Chime and I wanted the account with my email address attached closed. She refused to close the account insisting that I need to provide further identity information in order to close the account. She said she would remove my email from the bank account that had been created. SHE DID NOT. Two minutes after I hung up the phone, Chime began pounding my personal account with emails. I marked the emails as a Phishing attempt and thereby automatically blocked any further communication from them. A week later I got a letting in the mail from Chime providing me a credit card with access to my new Chime account that I never opened. If possible I would like to file a criminal complaint against Chime and put a stop to their deliberate harassment.
Consumer complaint received 2023-11-16
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: Experian Information Solutions Inc. (IL)

I have unauthorized activities/inquries on my credit report. I've been calling all three bureaus, and I'm seeming to not to get nowhere. I would love this unauthorized activities of my credit report, i have been doing disputes on the phone as well
Consumer complaint received 2024-01-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (VA)

Dispute of Unauthorized Interest Charges and Harassment Account Number : N/A Date of Charge : XX/XX/2023 Amount of Interest Charge : {$1100.00} To Whom It May Concern, I am writing to dispute the unauthorized interest charges on my Kay Jewelers credit account. As of XX/XX/2023, I successfully paid off my entire account balance, and my Kay Jewelers account has been closed. Despite this, I have been subjected to relentless and harassing phone calls regarding additional interest charges, which I believe to be fraudulent and in violation of my rights. 
It has come to my attention that the phone calls from your representatives have been aggressive, threatening, and made at irregular hours, causing significant distress and affecting my overall well-being. Such tactics are unacceptable and in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
I kindly request the following actions to be taken : Immediate cessation of all communications related to the disputed interest charges and any other attempts to collect on the account balance, as it has been paid in full. 
A complete and transparent explanation of how the interest charges were calculated and any relevant terms and conditions. 
A written statement confirming that my account is closed, and no further actions will be taken to collect on any disputed amounts. 
An investigation into the harassing phone calls I have received, and appropriate actions taken against any representatives who engaged in unprofessional behavior. 
I am deeply concerned about the impact this situation is having on my credit score and overall financial well-being. I expect this matter to be resolved promptly and with the utmost professionalism. Please respond to this letter within 30 days as per the Fair Debt Collection Practices Act. 
You can reach me at XXXX or XXXX if you require any additional information or documentation to assist in your investigation. 
I would like to remind you that under the FDCPA, I have the right to request written verification of any disputed debt. Please provide this verification, including any supporting documentation, in your response. 
Thank you for your immediate attention to this matter. I anticipate a swift resolution that will protect my rights and credit standing. 
Sincerely,
Consumer complaint received 2024-04-01
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. (SC)

I am writing to file a complaint against XXXX XXXX  regarding their handling of XXXX credit accounts listed on my credit reportone from XXXX and the other from XXXX. Despite multiple requests for proof of these accounts, XXXX XXXX  has failed to provide satisfactory documentation. 

On XX/XX/2024, I contacted XXXX XXXX  to request proof of the XXXX and XXXX credit accounts listed on my credit report. Initially, a representative informed me that I needed to make a payment before they could provide me with the requested information. However, upon further inquiry, the same representative stated that they did not have the documentation available. 

This failure to provide proof of the accounts is concerning and raises questions about the accuracy and validity of the information being reported on my credit report. As a consumer, I have the right to verify the accuracy of the information being reported and to request proof of any accounts listed. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX  for their failure to comply with federal laws governing credit reporting and consumer rights. Specifically, I ask that XXXX XXXX  be required to provide the requested documentation for the XXXX and XXXX credit accounts or, alternatively, remove the accounts from my credit report. 

I have attached copies of my credit report showing the disputed accounts. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (KY)

My credit card money was used by a hacker in XX/XX/year>. I immediately called the bank to report it. The bank informed me that it would take two billing cycles. It's almost the end of XXXX, and I haven't received the refund. They are also charging me a late payment fee. Despite calling them XXXX times, their response remains the same. This delay is affecting my credit score and more. The unauthorized charges were {$1900.00}, {$11.00}, and {$11.00} on XX/XX/year>. I reported them immediately. I can't afford to pay this much money.
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (SC)

A recent pull of my credit report inform me that I had a collection account on my credit file. Radius Global Solutions did not contact me and they are in direct violations of my FCPA rights and the Consumer Protection for Medical Debt Collection ACT. The latter states that no medical bill should be reported if less than 2 years or under XXXX dollars. The account was opened on XX/XX/2022 making it less than 2years old. Also a consumer has 30 days to validate a debt, by not receiving any notice the company violated my rights.
Consumer complaint received 2024-01-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Specialized Loan Servicing Holdings LLC (CA)

I request the production of the promissory note associated with the financial agreement between us. It is crucial for both parties involved to have access to the original promissory note, as it serves as a key document outlining the terms and conditions of our agreement. 

To ensure transparency and clarity in our financial dealings, I kindly request that you provide the original promissory note for my records. This request is made in accordance with my rights as a party to the agreement. 

Please provide the requested document. 

In order to ensure transparency and compliance with applicable laws, I kindly request that you provide the following documents : A copy of the original debt agreement or contract. 
Proof of the assignment or transfer of the debt to your entity. 
Any legal documentation demonstrating your right to collect on this debt.
Consumer complaint received 2023-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NY)

I called Zelle today to link up a new bank account with Zelle. The person I talked to said he couldn't because my chime and my XXXX accounts had been hacked. He then asked for access to my phone and said he was trying to catch the hackers. However, at the end of the time on the phone ... about an hour... I did not know what he was doing but the XXXX that was in XXXX and the XXXX that was in my XXXX were gone and every effort I made to ask Zelle to refund the money, I was either hung up on ( about 5 times ) or I was told to do some weird bitcoin transaction to get my money back which I refused to do! 

The first person I spoke to was named XXXX or XXXX and then I spoke to a XXXX XXXX who then did nothing to help me. 

I have reported this theft to XXXX and XXXX but I am out the money in the interim. 

Please investigate this scam!
Consumer complaint received 2024-01-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am XXXX XXXX, I am submitting this complaint for myself. No third party is involved. Unknown account appears suspicious. Portfolio Recovery stole my identity. I never gave Portfolio Recovery permission to have my personal information which constitutes identity theft. This alleged account is deceptive and suspicious. No response has been provided. It has been over 30 days.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX  opened up one account under my name totally fraudulently I sent proof to them that account doesn't belong to me. They were willing to remove it about 6 months ago and they did. Now a debt collector ( XXXX XXXX XXXX ) is trying to collect something I don't owe
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (OH)

On XX/XX/year> I received two emails from Chime. The first welcoming me to my new Chime account. The second stating I was one step away from completing my credit builder account. After researching the email and identifying what I was pretty sure was the true Chime phone number I called and told them I did not create this account. It took me XXXX minutes to navigate the robo answering system to finally speak to a representative. Once on the phone with the representative they were quick to find and close the account. I thought that was strange so I asked further questions. My first, what is a direct line to your department in the event I see any activity on my other accounts. The second was, can you tell me if the account was funded with any money. The representative ( XXXX XXXX stated they didn't have a direct line. She said she could not say if the account was funded and that there was another department that did that via email. I inquired why a financial institution would ever do that over email or chat and she had no explanation. After thinking it over several days, I took the time to XXXX this and noticed many others have had this exact same problem with Chime and it motivating me to create this complaint.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 2024-01-21
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: ENCORE CAPITAL GROUP INC. (NJ)

Dear Midland Credit Management, I trust this communication finds you well. I am writing to address a matter of significant concern pertaining to a debt under your management, which has had a detrimental impact on my credit score. I sincerely hope that we can engage in a constructive dialogue to promptly rectify the damage caused and reach a fair resolution. 
Upon discovery that Midland Credit Management is pursuing this debt without my prior notice or consent, resulting in the creation of a collection account, my creditworthiness has been substantially affected. This has raised serious concerns about potential violations of consumer protection laws, emphasizing the importance of transparency and fair business practices.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (FL)

In XXXX of XXXX, I reached out to the Flagship Credit Acceptance regarding lowering my monthly payment. I spoke to a supervisor who informed me that my payment would change from {$1000.00} to {$900.00} and I will be notified in writing of the changes. I have yet to receive any new paperwork reflecting the change. The company also assured me that my late payments from ( XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ) would be removed as well. My credit report has not been updated from Flagship Credit Acceptance since XX/XX/XXXX. This oversight has hindered my homebuying process and I would like it updated and corrected immediately.
Consumer complaint received 2024-01-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Affirm Holdings, Inc (OH)

All because Affirm ( XXXX ) credit card machine is not working. They have been threatening me by sending me threatening emails and text messages saying they are going to report negative remarks on my credit. 

When I first signed up with Affirm XX/XX/2023 I was told to place two credit cards on file. I put my XXXXXXXX XXXX  card and my Bank card. I was told I can pay with either card. I made my initial payment with my XXXX XXXX  card XX/XX/2023. I made my next payments with my Bank card. XX/XX/2023 I needed to make a payment with my XXXX XXXX  card. I went online I made my payment. 

A month later I get call from Affirm saying that I was late. I called AffirmXXXX back I spoke with XXXX on XX/XX/2023 who told me their Credit card system was not working. Case # XXXX. I explained to him this is not my fault. I need to make a payment with my XXXX XXXX  card that is on file. He got upset. 

After I spoke with XXXX I started getting all these threatening emails. Affirm continues to harass me about late payments. I am really stressed feel like they are blaming me for their Credit card machine not working. 

Affirm tried several times to debit my bank account without my permission and/or authorization. That is against the law. That is fraud. I have sent them several emails explaining to them this is not my fault. I have to pay with my Credit card that was on file. I asked them to please stop sending me all those threatening emails and text messages. I also told them do not debit my Bank account without my permission and/or authorization. I made my payments with my Credit card that is on file. Again this is not my fault. 

I have tried to cooperate with them. I told them right now I have to pay with my Credit card. I can not pay with my Bank card at this time. I have never tried to get out of paying. I have paid on time and never been late. I just need to pay with my Credit card that is on file. I told them once your Credit machine is back working please let me know. 

Affirm continues to bully me, harassed me, and threatening me. I am exhausted. I am completely stressed out.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (TN)

On or around XX/XX/year> I was charged for a order with another following the next day if not days later due to a new credit card number my account with the company was flagged so they cancelled my order but the money taken was not funded back to the account on both orders this actually happens often and I thought I couldn't do anything about it.I have edocuments to verify my claim, company also made allegations of me recieving sevices or products in most cases but not for these 2 orders I also have previous records of statements which are not the same
Consumer complaint received 2024-01-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (AZ)

Originally purchase home with Wells Fargo XX/XX/XXXX loan was interest only.i put $ XXXX as a down payment. I was a XXXX moving to a new area and was told I would be able to refinance the interest only loan once a job was established, even though I had been a XXXX for 7 years at the time. I was denied despite multiple attempts. I sent my monthly budget as requested for months. They constantly changed the terms of qualification resulting in a foreclosure XXXX XXXX XXXX My credit was destroyed for XXXX years and it was a huge hardship on me and my XXXX children. 
My phone number is XXXX, I am unable to edit the typo.
Consumer complaint received 2024-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Mercari, Inc. (OH)

The website and question is called mercari, I sold some personal items on there site and once the customer received the items, they refused to pay siting that I was and eligible to withdraw funds due to some technicality that was buried so deep in their paperwork no one would ever see it. I don't even know what it was they wouldn't tell me. But they kept almost {$400.00} a money. I've reached out a customer service multiple times but the only response I get back from them it is " you violated the terms '' they refuse to pay me the money I'm owed or return the product that I sold. They have made money off of my personal items and scammed me.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (FL)

I paid XXXX XXXX XXXX {$620.00} on XX/XX/23 for services. They did not perform the services and agreed to refund my {$620.00}. I received a letter from US Bank and need help filling out the return form enclosed in the letter. The letter says it needs to be returned by a fax machine. I don't have a fax machine or access to a fax machine. I need to send the information via e-mail. I have been calling US Bank and they have not returned my calls.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (WA)

On or about XX/XX/2023, I contacted American Express Serve regarding transfers and reversals of funding done to my account. These transactions were in fact fraud. Along with the federal ID Theft report and correct documentation, I requested they close my high yields savings account. And open a brand new account with the funds from the old account. 

The customer service representative after verifying my identity took a look at my account and explained that there really was no need for that. As I wouldn't be expected to pay taxes on the transactions and that I didn't really have any money in my account to begin with so there was not need to actually close the compromised account and issue a new one. 

I than asked about my Banking History report and how that would look, she laughed and said, '' well I didn't really have a lot of money anyway. So it didn't really matter if it makes me look suspicions any way. '' She than asked if that was all I needed, and to have a good day.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Again, I am a victim of identity theft and this is also a request to remove information related to the alleged identity theft from my credit file. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus must delete all items within fouXXXX business days of receipt. Also, the information provided on some items is unknown to me and has been removed by other offices, and I question its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.