davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Chime Financial Inc (KY)

My usual payday loan company ( XXXX ) had been compromised on or about XXXX2024, and I 'tried around ' online for alternatives : one company named " Chime '' forged my name to loan document and boasts it is sending me a debit card -- utterly unwanted -- presumably for an amount of some {$200.00} -- closing out immediately on seeing my forged 'signature ' per XXXX  phone -- then getting notice of mailed (? {$200.00}? ) loan card email, I spammed/unsubscribed the Chime blurb, and yet was told severally that this unwanted loan debit card was being mailed to me. This is -- per forging my signature on loan doc etc. -- FRAUD to my best estimation. HELP! NEED FEDERAL INTERVENTION ON THIS SEEMING RAW CRIMINAL FRAUD!
Consumer complaint received 2024-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (NY)

in 2018 I went to XXXX XXXX XXXX in XXXX Ny to buy a XXXX XXXX, the car they were trying to sell me the engine was bad they took thier back.I called santender to tell them that I dont have the car because the engine is bad, they gon na give me an XXXX XXXX the dealer sold me they XXXX XXXX couple days after I recieved a bill for the XXXX XXXX, I called santender to tell them that I dont have that They took it back and give me an XXXX, Santander told they gon na fix,2 weeks later I recieved another bill for the XXXX I called aigain and tell them That I only have one car why I do I have to pay for 2 cars, I told them to come and get the XXXX and they did, now they charged me almost {$28000.00} for the XXXX XXXX that I never had.I called them they said they gon na investigate it 6 years after.now they telling me that they do not know where the car is.That I have to pay them.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

This matter involves Marcus by Goldman Sachs taking most of my cash savings of {$250000.00} from my XXXX savings account on XX/XX/XXXX through a reversal of a prior transaction that occurred in XXXX of XXXX. Essentially this matter involves XXXX and Marcus misplacing {$250000.00} back in XXXX of XXXX ( that never was received by me ). I assisted both parties with hours of my time to help them. Marcus had determined on XX/XX/XXXX that I am not responsible for such error and found in my favor by written correspondence and also by telephone even earlier. Despite such finding, Marcus took the money anyway on XX/XX/XXXX from my XXXX account, which ultimately didn't get released back to me until XX/XX/XXXX causing me substantial stress not knowing if I would get my money back. Marcus further messed up the complaint I put in on XX/XX/XXXX ( upon discovery of the wrongfully taken funds ) requesting my money back, but Marcus failed to enter the complaint property and had to redo it all around XX/XX/XXXX. During that timeframe, I had called in multiple times and spoke to agents, supervisors and the fraud department, yet they still didn't notice my complaint was not entered properly.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

I happened to check my chime account this evening and noticed 4 unauthorized different charges were made on my account. The transactions were made in XXXX. I live in Indiana. It was not me. the 1st transaction was one made at XXXXXXXX XXXX for {$12.00} at XXXX for stuff from a XXXX the 2nd unauthorized transaction was made at XXXX on XXXX  for stuff from a XXXX XXXX {$22.00}, the XXXX transaction was made at XXXX on doordash for more stuff from XXXX for {$31.00}, the XXXX transaction listed was made at XXXX XXXX on XXXX for stuff from a XXXX XXXX XXXX for {$29.00} all of this was done today XX/XX/year> Companies involved is Chime which is where my account is in and the other companies involved was XXXX in which unauthorized transactions were made. And where the XXXX orders were made at were XXXX XXXX  XXXX twice, and XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC (NJ)

Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, Regarding the reviews written on XX/XX/XXXX of 2024 on CFPB complaints numbers XXXX and XXXX, I would like to request your company, Early Warning, to ask the XXXX XXXX XXXX branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX to send me the written format letters, which I can open the envelop and read the content. Your employee stated this branch must have sent me the information and investigation result ; however, since I could not find out this information in my online banking account. Since I have continued to have issues online and beyond, I have decided not to open any links which might be suspicious, such as irregular usage of images online sent to my email addresses with unfamiliar sender email address. Would you ask your related branch employee to send this information through official banking account? 
Even though you have mentioned three credit report companies, I have already contacted and still in disputes including with thy company, Early Warning. 
Sincerely,
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX XXXXXXXX  Balance : {$2000.00}
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I sent XXXX XXXX a letter on XX/XX/, that I exercised my right to opt out yet the financial bureaus ; XXXX, XXXX, and Equifax continue to record XXXX XXXX on my credit report. My option to opt out follows 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

Additionally, according to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

Subject : Dispute Regarding Improper Reporting by Citibank/Citi Cards Dear Consumer Financial Protection Bureau , I am writing to bring to your attention an issue regarding the improper reporting of an account on my credit report by Citibank/Citi Cards XXXX This matter concerns a discrepancy in reporting that has negatively impacted my credit standing. I believe that this reporting is in violation of the Fair Credit Reporting Act ( FCRA ) and request your assistance in resolving this issue. 

Fair Credit Reporting Act ( FCRA ) Violation : Citibank/Citi Cards ' improper reporting of the account violates the FCRA, which mandates accurate reporting of consumer credit information. The inaccurate reporting has caused harm to my creditworthiness and financial standing. 

Fair Debt Collection Practices Act ( FDCPA ) Violation : If the improper reporting involves debt collection practices, it may also be in violation of the FDCPA, which prohibits deceptive or unfair debt collection practices. 

Requested Action : I respectfully request that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal or correction of the improper reporting by Citibank/Citi Cards . I also request an investigation into any potential violations of the FCRA or FDCPA related to this issue. 

Thank you for your time and assistance in this important issue. 

Sincerely,
Consumer complaint received 2023-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (PA)

SIMM associates is emailing me about an account with purchasing power. This is not my debt. I did not give anyone consent to give away my information. No consent is identity theft. Please stop contacting me regarding this account it is not mine.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (MI)

I hope this compliant finds you well. I am writing a compliant to express my deep concern regarding Early Warning Services ' refusal to dispute negative items from my banking history and the subsequent hindrance I have faced in opening new accounts. 

As a responsible consumer, I believe in maintaining a good financial standing and adhering to my financial obligations. However, I have recently discovered that there are negative items associated with my banking history that are being reported by Early Warning Services. These negative items are inaccurately reflecting my financial behavior and are hindering my ability to open new accounts with other financial institutions. 

I have made numerous attempts to dispute these negative items with Early Warning Services, providing supporting evidence and documentation to prove their inaccuracy. However, to my disappointment, Early Warning Services has continuously refused to address my concerns and rectify the situation. 

This refusal to take action not only affects my ability to establish new banking relationships but also damages my creditworthiness and financial reputation. It is essential that accurate and fair information is reported by credit reporting agencies to ensure a fair assessment of an individual 's financial responsibility. 

I kindly request that Early Warning Services reviews my case once again and initiates a thorough investigation into the negative items reported on my banking history. I expect a prompt response and resolution to this matter, as it is crucial for my financial well-being. 

XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX  XXXX : ACT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have inquiries that need to be removed from my credit report. I didn't give written authorization to have my report pulled by XXXX XXXX and Capital One. This is under XXXX XXXX XXXX XXXX XXXX. Capital One inquiry happened on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX inquiry happened on XX/XX/XXXX. 

There are late payments on my credit report. I wasn't notified within 21 days according XXXX XXXX XXXX XXXX. 

My student loan ( XXXX ) was forgiven by XXXX. XXXX XXXX. The report is showing the amount of {$140000.00}. 

I found inaccuracies with an collection account XXXX XXXX XXXX under XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Dear, Equifax Re : Identity fraud victim This wasn't sent inadvertently, and it wasn't a significant false statement.

I am not a third party i am a consumer and that I have included all of my verification documents, the erroneous information on my credit profile that your agency is reporting is already causing me enough stress and anxiety. Before I have to involve my legal counsel, please remove these unathorized items.

Please be advised that the accounts in my credit report are the result of unauthorized use of my social security card and number. These accounts were opened in my name without my permission and consent, and they have nothing to do with anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information as the law instruct. 

1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. FDCPA section 807 violation misleading false reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, VA XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (PA)

I demand that WF/XXXX  complies with the Fair Credit Reporting Act and delete the referenced account from all of my consumer reports. Pursuant to section 623 of the act, it states that once a data furnisher receives a dispute from a consumer that specifies what they are disputing, explains the basis of the dispute and supply supporting documents, the data furnisher MUST either modify the item of information or delete it. I am demanding that it is deleted as it is inaccurate, incomplete and unverifiable. Please see attached exhibit ). Pursuant to 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ) the data furnisher ( wf/XXXX  ) MUST remove the item of information from all consumer reports. If this does not get resolved promptly, I will seek legal action for FCRA violations.
Consumer complaint received 2024-05-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Lennar Financial Services, LLC (TX)

I have Lennar Mortgage as the company assisting me for the Loan. 

They have me close one of Credit card which I told them if I have to do that then I will be on the buy end of moving the date for closing. I have asked them how much is the charges and did not got a response. I assumed then that there are actually no charges for it. Unfortunately I learned the hard way. I saw the breakdown of the closing cost and the have charged me for the extension. I asked them why they are charging me when I am not even aware of it, and got no response why. 

Unfortunately, the process in closing itself was a struggle as they have stated in the morning of XXXX it was declined then in XXXX we are back on track. 

Even on the day of closing XXXX we still have the challenge. They informed us that we have to be in their office at XXXX XXXX and that is only option. We were informed before that closing will be done virtually, then all of sudden they have stated that, that is not possible due to our DTI being high. I asked why were not informed previously but just on that day. What I got as a response is " I thought i already informed you all '' Now, XXXX they have to move my lock date because apparently I did it wrong with the process of wire transfer. I've asked before I send the funds, Am I doing it right got the response great, I assumed I am on the right track and went ahead and paid the needful funds. Now they have stated I did it wrong, and due to this circumstance they have to move the date and charge me. Unfortunately I have a cosigner and the earliest she can be available is Thursday which cost me. They did not allow the virtual even we will be doing this closing the 2nd time. 


The journey for applying loan from them has been unreal and challenging. And its getting frustrating.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (OH)

Ive tried asking for help with different programs that were supposed to cancel my remaining debt with them after I completed the necessary payments. They never canceled my remaining debt. Then I tried asking after they went back on their word to get help with waiving my late fees because Im trying to pay them back, so I can live again, but they just want to XXXX XXXX XXXX  like with everyone else they do dirty. Every time I try asking for help too, they try to shut my app down, so I will stop asking for assistance. They dont really care about their patrons no matter how long youve been with them, and the fact that this is my first time been this late and over my balance, and Ive tried asking for help long before it got this bad. I even tried to get a personal loan to pay them back and consolidate my debt, but nope. They purposely deny me even that right.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

As per my previous correspondence, I would like to dispute the following collections accounts on my credit report : XXXX. XXXX XXXX - Account Opened : XXXX - Amount : {$210.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$570.00} XXXX. XXXX XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$860.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX  - Account Opened : XXXX - Amount : {$2400.00} XXXX. XXXX XXXX XXXX  - Account Opened : XXXX - Amount : {$3100.00} I have thoroughly reviewed my credit history and have found no evidence to suggest that these collections accounts belong to me. Despite my initial dispute, these accounts remain on my credit report, negatively impacting my credit profile. 

I kindly request that you conduct a thorough investigation into these accounts and provide me with a detailed explanation of the findings. It is essential that you verify the validity of these accounts and provide the necessary evidence to support their inclusion on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the following actions be taken : XXXX. Please provide me with a written confirmation of the investigation conducted, including any supporting documents or evidence collected during the process. 

XXXX. If the investigations confirm that these accounts are indeed inaccurate or do not belong to me, I insist that you remove them from my credit report immediately. 

XXXX. I also request that you provide me with an updated and accurate copy of my credit report after the removal of these collections accounts. 

I understand the importance of maintaining accurate and fair credit reporting. It is imperative that
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to buy a car and was told by the dealer i had been denied a loan because i had 2 collection accounts on my credit report. I obtained the credit reports and it said I owe {$190.00} to XXXX & XXXX XXXX and originated with XXXX XXXX and {$570.00} to XXXX XXXX XXXX originating with XXXX XXXX XXXX. Everyone who has owned a car knows you can not run a bill with insurance. If you do not pay by your due date your policy is cancelled and if you have an accident and attempt to make a claim it will be denied. So the premise under which i supposedly owe this debt is entirely fraudulent. I believe XXXX XXXX and XXXX XXXX XXXX has committed fraud by selling this fraudulent debt to XXXX & XXXX XXXX and XXXX XXXX XXXX which is attempting to collect it from me. This fraudulent debt has caused my credit rating to go down by as much as 200 points.