davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (GA)

I received a welcome email from Chime XX/XX/2023. The next day, there was an email from them that my debit card was on the way to my current address. Did not pay attention with the holidays and all. I have received XXXX emails from Chime 's Pay Anyone where money was being sent back and forth. I just forwarded all the emails to XXXX. A few minutes later, I received an account closure notification email from Chime stating they've decided to end their relationship with me. They never had one. No mention of an investigation of how the fraudulent account was opened. This company really needs to upgrade their verification methods to combat fraud and identity theft.
Consumer complaint received 2023-12-12
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. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

I have an account with Chime. On XX/XX/XXXX my check was deposited into my account and cleared at XXXX XXXX. Upon leaving work at XXXX and stopping at the store I checked my account and all my money was completely gone. In checked my email address.assocjated with that account to see if any alerts came over and was unable to access that email. I called chime to file a dispute as there were 6 transfers using the pay anyone to another chime account in various amounts. 4 hrs after the initial dispute they denied my claim saying no error occurred. I also XXXX XXXX and appealed the ruling. Again they have notified me that I am at fault. For.one I do not know the person. Chime never notified me.of these multiple transactions and it was my whole check. Chime is not helping in anyway to get my money back and this money was transferred without my authorization. Please help me as I'm struggling to pay my bills because of this and I work hard for my money for this to to happen and chine not want.to help their loyal customers. I sent them.proof as.i was working from XXXX to XXXX XXXX and I can not leave my job or use my cell phone while at work. I never received my notifications and I also showed them.that I use the pay anyone for.one.person and that I my boyfriend in order to send him money flr.our daughters support. They are of no help and it seems like hey are allowing people to do this to other people with no consequence. Please help me.
Consumer complaint received 2023-12-12
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX Personal Information for Experian NAME : XXXX XXXX XXXX - It is imperative that you remove any name in your system which does not match the first and last names listed on this letter . My only name is XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 XXXX I need you to delete any address in your system that varies from XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX It will ensure the database has accurate information about me.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, my XXXX Citi Card was declined at a restaurant. On XX/XX/XXXX, it was declined again at a movie theater. I called in on XX/XX/XXXX requesting information on why it was being declined. The first representative gave me a runaround and an ambiguous answer that I would have to wait for " further information '' either through phone, text, email, or letter. He did not specify which or the timing. The second representative hung up on me. The third one gave me the same information the first one did, transferred me to a supervisor who said the same thing, and transferred me to a manager. The manager said he could not access the account and to expect further communication. He also could specify method or timing. None of the five representatives could explain why the card was being declined nor what " additional verification '' meant. I have been unable to use this card for over 2 days now. If I'm to expect a letter, that could add two weeks which means I will lose out on two weeks to get my sign up bonus also. Citi is not providing any useful information on why my card can not be used. As far as I'm concerned, Citi is just trying to cheat me out of my money by getting me to open a card and manipulating things so I can't get the bonus or utilize the credit line.
Consumer complaint received 2023-12-12
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: Experian Information Solutions Inc. (HI)

This represents my 2nd communication via CFPB in which I am addressing the matter of inaccurate and misleading data present within my credit report. As previously communicated in my dispute dated XX/XX/2023, I stressed the negative consequences of having an erroneous credit profile, which has resulted in repeated rejections from potential employers during my job applications. The current circumstances have left me deeply concerned, as securing employment promptly is of utmost importance to prevent undue hardships for my family. What is particularly frustrating is that your inaccurate credit reporting not only impacts my financial standing but also severely diminishes my overall quality of life.
Consumer complaint received 2024-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Consumer complaint received 2023-12-12
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for Experian NAME : XXXX XXXX XXXX - It is imperative that you remove any name in your system which does not match the first and last names listed on this letter . My only name is XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 - I need you to delete any address in your system that varies from XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX It will ensure the database has accurate information about me.
Consumer complaint received 2024-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (VA)

Two overpayments have happnened : 1 ) On XX/XX/year>2024, a payment of {$270.00} was sent to XXXX XXXX, VA, this was an accidental overpayment, XXXX XXXX sent this back and it should have been added back to escrow. 

2 ) On XX/XX/year>2024, a payment {$2400.00} was sent to XXXX XXXX, VA, this was a second accidental overpayment, XXXX XXXX sent this back as well and this should have been added back to escrow.

On numerous times, I have asked for an escrow analysis to be done as the next tax payment Amerihome has is for {$3500.00}, not what is owed, which is {$1000.00}.

Also, they have for my next homeowners- {$1700.00}, and not {$860.00}, I can understand this one as this just was sent out. But the correct value is {$860.00} for the 2024 year.

Overall, I have found this process of working with them to be do not trust the homeowner problem. No matter how many times I call, or ask for help, I keep getting promises that do not happen and now, I am having to reach out to external sources as this has been going on for two months, and without corrections, I will soon not be able to pay this mortgage as they just added {$1000.00} to my mortgage for escrow when the problem is with their analysis and not with needed more.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I paid my XXXX  XXXX loan off on time, in full and a year prior to the maturity date. I recieved a loan payoff letter in XX/XX/year>. I then received a charge off letter from XXXX  XXXX in XX/XX/year> saying I had a balance due of {$300.00} some dollars.. I called XXXX  XXXX and quickly paid this despite the error on their side telling me about this month 's later and then not offering me the timely option to pay it. XXXX  XXXX then reported to my credit that this was a charge off and still reports the account as having a balance. The charge off status is completely wrong as I paid this in full and on time. They blame the problem on an accounting error between my previous bank and there own but have never fixed the status on my credit.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (DE)

My daughter and I had a joint account with navy federal since she was a minor when the account was opened. In the summer my daughter went to college. She received an email from a university account about a job offer. My daughter assumed the job was legit since it came to her university email from another university email labeled the office of student success. 

Well it turns out it was a fishing email and my daughter was scammed out of {$950.00}. I gave Navy Federal a copy of the emails and police report. They said my daughter and I would have to pay back the money. Although I was frustrated we complied.Navy federal began to withdraw from my main checking account and took my daughter 's direct deposit in an effort to get back the money. I would even make small transfers to pay the money back. In the end the bank took the last {$400.00} out of my account without my permission and closed our joint account. 

My issue is how can the bank close the account even though they received their money. When I asked the representative she was nasty and said because they can. I would like my daughter 's account reopened. The account is no longer in the negative and it isn't my daughter 's fault she was scammed.
Consumer complaint received 2024-07-19
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: HYUNDAI CAPITAL AMERICA (PA)

In XX/XX/year> my vehicle was hit by another vehicle. The owner of the vehicle had XXXX XXXX XXXX Between XX/XX/year> and XX/XX/year> I notified Hyundai Motor Finance Several times that the car had been totaled after seeing that they were reporting me as late on my credit report every month after I was told reporting would stop due to the car being totaled. Between XXXX and XXXX XXXX XXXX XXXXXXXX XXXX advised that the car was in fact totaled and that the party at fault had a limitation to pay out {$10000.00}. I was sent a check wrote out to myself and Hyundai Motor Finance. I signed the check and sent it into the lease holder whom cash the check and applied it to the balance of the vehicle. After they applied the funs they still continued to report the car late stating they were waiting for a breakdown letter from XXXX XXXX. In the mean time both parties said they would not pick up the car. XXXX XXXX stated because the car was valued at around {$24000.00} and they only could provide {$10000.00} they legally could not take the car. Hyundai motor advised since the car was deemed total they would not want the vehicle back and therefore I was stuck with the vehicle. For months I went back and forth with Hyundai Motor and XXXX XXXX to get the necessary paperwork so that Hyundai Motor could apply the GUARANTEED GAP Insurance that came with all leases within the USA according to the finance manager at Hyundai where I purchased as he also tried to help me and call into Hyundai motor finance. Ultimately because of one piece a paper I the customer was left with a recked car to store and also continuous billing on my credit that greatly affected my score. To make matters worst while hospitalized the car was towed as it was believe it was abandoned at my apartment complex. The tow company after holding the vehicle for a while reached out to Hyundai Motor who retrieved the vehicle. Hyundai Motor after almost of year of refusing to obtain the recked car after the accident charged me with a repossession fee when the car was in fact never repossessed. Two years later Hyundai Motor Finance is still reporting the car as charged off/repossessed. Both XXXX XXXX and Hyundai Motor Finance never provided me with the proper documentation or explanation on why they deemed the car totaled without the proper paperwork and why gap was never applied. Hyundai Motor Finance never sent the required documentation to give paperwork showing what happened with the car after retrieval
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC (DE)

Subject : Notice of Violation of Rights under FDCPA Dear DNF Associates, I am unaware of this debt. I did not have an opportunity to dispute this information. 
Per my records, your agency has violated my federal rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ). According to the FDCPA, debt collectors are required to provide a validation notice to the consumer within five days of the initial communication regarding the collection of any debt.

If in fact you believe you gave me proper notification, then please send me the certified receipt with my name on it. Otherwise, I request that this account be immediately removed from my credit profile.
Consumer complaint received 2024-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC. (OH)

the account was charged off and closed but is still being reported to the credit bureaus. 



15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2024-07-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (OH)

I called the company and spoke with someone about my loan was asked to speak to a supervisor about my account. why was I still paying them money after the had taken over XXXX XXXX dollars from me. The person on the phone said and its in the paperwork about high interest everyday I told the person I was able to look at paperwork from my phone and she continued to rush me to sign the paper. So I told my bank not to give them any more money. I said to the worker the only amount is paid back is what borrow and no other money.