davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NC)

On XX/XX/2023, I received a " Welcome to Chime '' email prompting me to set up the direct deposit feature and another email " You're one step away from XXXX XXXX '' prompting me to finish setting up the XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2023 I called Chime Customer Service to inform them I did not initiate an account opening. The Service Representative asked me for the last four digits of my SSN, which I was not willing to provide, given the fraudulent activities that had obviously resulted in the account opening. As a consequence of me failing to provide the SSN information, the Service Representative claimed he was unable to help me and instructed me to send an email to XXXX to report the fraud and initiate the account closing process. 

On XX/XX/2023 I sent an email with my name and email address notifying them that any account ( s ) opened in my name an linked to this email address was done so without my authority and it should be closed with immediate effect. I requested confirmation of the same. 

On XX/XX/2023 I received a " How'd we do? '' email from Chime requesting a rating of the customer support experience On XX/XX/2023, I received a " Your card is on the way '' email prompting me to confirm my address. 

On XX/XX/2023, I sent another email to XXXX requesting any account in my name at my address be closed with immediate effect as I did not authorize any such account On XX/XX/2023, I received another " OK, let 's set up direct deposit next '' email On XX/XX/2023, I sent emails to XXXX and XXXX advising them of the unauthorized account opening as well as the continuing emails requesting their help to confirm the account ( s ) have been closed. 

On XX/XX/2023, I received a " You've got mail '' email advising me that my Chime XXXX XXXX XXXX  should be in my mailbox soon and again prompting me to set up direct deposit and to download the Chime app. 

On XX/XX/2023, I sent another email to XXXX requesting confirmation that the account ( s ) be closed with immediate effect. I restated that the accounts were opened without my authorization and that I have sent several emails requesting confirmation that the accounts would be closed. I also stated that I would be lodging a complaint with the CFPB. 

As of XX/XX/2023, I haven't received any communication from Chime regarding the account closing.
Consumer complaint received 2023-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

As in a previous COMPLAINT SUBMITTED ON XX/XX/2022 is sending me a bill " owed '', again, to XXXX  XXXX   ( from XXXX XXXX in XXXX XXXX, TX. ). Once more, I have no knowledge of such debt. Whatever I did owed them, I always paid in full. I have not received any letters or invoices from XXXX XXXX. Again, CAPIO Partners and XXXX XXXX  do not provide information about the original invoice, or the services provided. This harassment causes me anxiety and stress. I always pay my bills on time and try my best to keep a good credit score. I desperately need your help to investigate these two companies and the fraudulent bills they create. How many people pay them because of fear and stress?
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX a check was deposited by way of an ATM into my checking account which is photographed and entered electronically by the ATM machine. A couple of days later when checking my balance, it showed in available funds approx. {$5500.00}. As the next couple of weeks went by, I utilized a majority of my available funds. On XX/XX/21 I received a letter noting the bank error of over-crediting my account of {$4500.00} and that my account was deducted {$4500.00}. I notified the bank of my rights as a consumer and filed a dispute requesting my {$500.00} plus dollars from checking, along with my {$940.00} social security check that was taken as well as access to my {$500.00} plus dollars in my savings being that they locked my debit card, explaining that I am not responsible for bank errors. My claim was denied. I again contacted Wells Fargo on XXXX to dispute the denial and to escalate the claim to higher-up authorities.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harvard Collections, LLC (FL)

I have pulled up my credit report and found some private information. Such as my consumer transactions with creditors as well as hard inquiries and accounts in collection. 
I never opted in to have my information shared. " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states\n '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC\n1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.
Consumer complaint received 2024-07-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (TN)

I received notice from credit karma that a collection account was place on my credit. I have tried to contact the company Plaza Services LLC, via phone, and email with no response. When you call the number you are put on hold, they tell you what number you are in line then all you get is " this is XXXX please leave a message ''. I have called multiple times with no return call or email. I have dealt with this company before and they never would speak to me, then they turned my account over to an attorney during the covid lock down and I had a judgement and garnishment, even after trying to work out payment arrangements with the attorney. I can not afford to have a garnishment again. I want to pay my debt but can not reach a soul or get any kind of response.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

on XXXX I sent a money transfer by Western Union to XXXXFrom pay okay if XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the same evening someone. a thief " received a refund of my money transfer in another location .in XXXX XXXX XXXXThe western Union failed to proper Identity. the recipient release my money transfer.. I complained to Western Union. There wasn't proper investigation done.Never received any explanation. Resolved of my case.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Early Warning Services, LLC (NY)

Someone tried to opne a checking account with XXXX XXXX XXXX. Then they tried to use Zelle to take money. XXXX called me and that was stopped. Then Zelle automatically went to my XXXX account. That was stopped and Zelle automaticall went to my XXXX XXXX account. Zelle has deducted {$3500.00} from my acounts ( the fraud department ) and assures me that the money will be returned. The money taken from XXXX on Thursday and Fridaqy of last week has not been reimbursed. Today Zelle took another {$2000.00}. 
I asked the agent why they were draining my accounts and was told not to worry.

First of all, Zelle should not automatically go from one back to the next without my authorization. When Zelle tries to remedy this they should not be taking thousands of dollars until they can figure out how to fix to problem
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

I have attempted to dispute the debt with the collector because it does not belong to me. The information on the account does not belong to me. The name on the account is not mine and the address on the account is not my residence. I disputed and provided supporting information and this item is still being confirm as belonging to me, with the credit companies. The Reps at this company after letting them know my information was stolen and that I was a victim of identity theft advised I still pay the debt, completely disregarding that none of the information on the account verified as belonging to me.
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (IN)

To Whom It May Concern : To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-09
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: Southern Management Systems Inc. (NY)

Southern management system. XXXX XXXX {$1100.00} is been in dispute since XX/XX/2024. I sent a cease and desist letter. They won't take it off my credit report. It's stopping me from renting or getting a car. I don't owe this money and they won't finish the dispute.
Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Navient Solutions, LLC. (VA)

XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX posed as bill consolidation loan companies, Debt was not removed from credit and repaid, and issues letters to sue and place liens on property..
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (MN)

Received email and phone call from ServiceMac mortgage company. XXXX ( id XXXX ) phone XXXX requested mortgage payment info from past due account. He wanted me to mail my late payment to XXXX XXXX XXXX XXXX, GA XXXX. 

I reported the Spam to my email provider. I am very concerned that the person new my address and requested my Social Security number. I discontinued the call and called my current mortgage company to verify my payment was not late.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

I asked XXXX to remove the item from my credit report, because the account was charged off and no longer a debt with Chase ( JPMCB CARD ). They have sold the debt to another company and is no longer their account to report on.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Americor Funding, LLC (MD)

I was working with americor to consolidate and repay my collections. They would contact the the companies on my behalf and negotiate to settle for less. Once they negotiated they would ask me if I agreed to a specific amount and repayment leaving out all of the fees. Once I agreed they added in all the fees and said I agreed.
Consumer complaint received 2023-05-03
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

I was charged {$980.00} by a scammer falsifying their identity and creating a fake email under the name and identity of someone i knew. I sent the money to the venmo account they asked and the next day realized it was fraudulent and reached out to both Venmo and my bank. My bank reversed the money a few days later but Venmo suspended and then banned my account as a result
Consumer complaint received 2023-05-05
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

Hello there, a person applied for credit cards using my information and I ended up getting 3 inquiries yet I didnt apply for these. This person applied to three different banks within a short period of time. I called all the banks already though this didnt help as much. XXXX told me this was my other solution.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

According to the FCRA the following companies list below have violated my consumer rights pursuant to these three laws ; 15 U.S. Code 1681- section 602 ( A ) 15 USC 1681 604 A section 2 15 U.S.C 1666b XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Account number XXXX XX/XX/XXXX and XXXX, XX/XX/XXXX XXXX XXXX Acount number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXXXXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX account number XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAVALRY INVESTMENTS, LLC (IL)

I recieved an alet from reporting agency that there was activity on my report I looked at report to find calvery portfolo was listed as putting me in collections I called the number listed and they told me they could not giv me any information they could only talk to my lawyer.it was for somthing with XXXX that shows in the collections box for {$2000.00} I have never in my life had any XXXX bank accounts or credit cards and they wouldnt even tell me what is was for. I recievd a letter about a year ago to my dtrs house from XXXX stating that someone was tying to open a checking accont on line in my name and my daughters address they had me talk to the fraud dept who assured me the checking account was not opened. 
I have heard nothing after that until my credit report shows this collection agency for XXXX and a balance due of {$2000.00}.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 .I told XXXX XXXX Transunion XXXX and XXXX to reinvestigate these accounts : Account name : Date Filed XXXX Court Id XXXX XXXX XXXX Case Number XXXX Trustee XXXX XXXXXXXX XXXX Type Individual Disposition Proposal to creditors Disposition XXXX XXXX  Liability XXXXXXXX XXXX XXXXXXXX, Account name : Description Unpaid Collection Code XXXX Date XXXX Agency Name XXXX XXXX XXXX XXXX Account Number XXXX Creditor XXXX XXXX XXXX Original Amount {$9000.00} Balance Amount {$9000.00} Last Payment XXXX, Account name : Description Unpaid Collection Code UC Date XXXX Agency Name XXXX XXXX XXXX Account Number XXXX Creditor XXXX XXXX XXXX XXXX Original Amount {$430.00} Balance Amount {$760.00} Last Payment XXXX, Account name : Date Reported XXXX Creditor Id XXXX XXXX High Credit Amount {$690.00} Balance Amount {$690.00} Past Due Amount $ XXXX Months Reviewed XXXX Date Opened XXXX Portfolio Type Open Payment Rate One payment past due Payment Rate Code O2.Account name : Date Reported XXXX Creditor Id XXXX XXXX XXXX High Credit Amount {$11000.00} Payment Term Amount {$260.00} Balance Amount {$14000.00} Past Due Amount {$1800.00} Date Opened XXXX Portfolio Type Revolving Payment Rate Bad debt, collection account or unable to locate Payment Rate Code R9 Account name : Date Reported XXXX Creditor Id XXXX High Credit Amount {$10000.00} Payment Term Amount {$9900.00} Balance Amount {$11000.00} Past Due Amount {$11000.00} Date Opened XXXX Portfolio Type Revolving Payment Rate Bad debt, collection account or unable to locate Payment Rate Code R9 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CO)

Received a letter from Chase Card Services that application for a credit card was denied. However, I never applied for a credit card. If someone else applied using my name, why did I receive a denial in my name and at my home address? I phoned Chase and the representative advised Chase could not tell me who applied or the point of the application. I find this unsatisfactory because I need to determine if somehow someone has stolen my information to apply for credit in my name. Or, whether Chase is attempting to issue a credit account to me without my having initiated the application or given consent.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Collection Account appeared on my credit report and I have no knowledge of this account. Balance is {$400.00} and the Credit Agency is XXXX XXXX XXXX  and they claim the original loan is from Ace Cash Express. I never had a loan from this company.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (SC)

I checked my credit and saw that i had new hard inquiries on my credit report. Dates are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not do this and want them removed. I did an dispute but was not removed. I told the companies that it wasnt me and they said there wasnt anything they could do.