davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (GA)

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( 1 ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report and is in fact a violation of my consumer rights. 

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (TX)

XX/XX/XXXX  Became endentured to Affirm by XXXX  - over {$5000.00} and over {$200.00} on my XXXX - XXXX XXXX XXXX XXXX of XXXX gave a promse of a complete refund upon request. I did so XX/XX/XXXX  and multiple times since. Each time I was told refund was being processed and will be in my account in days. This was also given in text form. This was weeks ago and still no response. When I inquired of Afffirm they said the merchant is XXXX. When inquiring of XXXX they say they had nothing to do with this transaction. Asked XXXX  of the nature of their relationship with XXXX XXXX and XXXX of XXXX and how they can be listed as the merchant ( recepient of funds ) on the loan from Affirm. Asked also if they profited in any way from my becoming endentured to Affirm and if they endorsed XXXX  to represent XXXX as the recepeint of the funds to Affirm. I also asked Affirm if this has been done before- the merchant being listed as the recepient denying being involved. All the parties involved XXXX ( XXXX XXXX, XXXX ) XXXX and Affirm are slow in their response if at all. They also fail to answer questions asked of them. The evasiveness and delayed repsonse seems to imply a level familiarity if not collusion. Asking XXXX  and Affirm if there is any info they can give me regarding XXXX so as to send them notice by mail as well. Asked Affirm to examine the tracking number and see if addiional information could be acquired so as to follow up with XXXX. Was told there business was in Florida - I was unable to identify a business with this name currently registered in Florida
Consumer complaint received 2018-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION (CA)

The ICBC Bank said my card had already activatedbut when I used it at stores. The card showed unauthorized. I called to their bank which located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They said they would fix this problem. However, after a week, the card still did not work. I call 4 times at least. The service attitude was horrible. They didn't listen to my problem, and hang up the phone. I thought it must be I called too much, but they can't solve this problem. Therefore, they choose to ignore this issue. They said the card couldn't use and all of their consumers had this issue. They don't how long they can fix this issue. This is ridiculous. A bank didn't how long they could let their consumers use their cards. Excuse me! And their bank located at XXXX XXXX consumers service was very mean to the consumers. I think they had a discrimination problem. They were very rude to the consumer who had an accent.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

Both XXXX XXXX XXXX XXXX & Chase received inquiries to open up a credit card in my name. However this was a fraudulent charge as I did not do this. I called both banks to file a complaint and they are processing that internally. 

Only the Chase fraud hit my XXXX account. I have already reached out to XXXX to file a complaint there too. Weirdly enough I did receive a XXXX XXXX XXXX Debit Card but it didn't go on my credit report. Providing applicable reference/ID # s below Chase Reference Number - XXXX XXXX XXXX XXXX Debit Card - XXXX XXXX XXXX XXXX To be clear, I do not want to these credit cards opened up in my name Thank you for the assistance!
Consumer complaint received 2022-12-20
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. (TX)

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 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 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

I looked at my credit score on XX/XX/2018 through my XXXX XXXX XXXX. My score was XXXX. 
On XX/XX/2018, when I looked again my credit score was XXXX. 
I called XXXX XXXX and asked for an explanation. They could only tell my to contact you. 
I want to know how and why this happened. 
What causes a score to drop 28 points in less then 30 days.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (AZ)

got gift card from friend. Used it today at XXXX XXXX.  meal with tip came to {$8.00}. 

Verified charge correct with XXXX XXXX in amount of {$8.00}. 

Contacted uS BANK and they said their XXXX card adds 20 % to any charge at restaurants. regardless. NON of their packaging states this ANY where. 

This is a deceptive practice and a form of fraud. Regardless of the fact that they will correct the dispute AFTER 8 WORKING DAYS. WHAT A RIPOFF. 

WHAT A XXXX RIPOFF!!!!!!!!! 

I HAVE CONTACTED ALL MY FRIENDS AND ASSOCIATES OF THIS DECEPTIVE PRACTICE, AND ADVISED TO NO LONGER USE ANY VISA GIFT CARD FOR ANY PURPOSE.
Consumer complaint received 2023-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC (FL)

I requested a cash advance from XXXX in the amount of XXXX. The outstanding balance is XXXX. I was unable to settle the balance at the time of the due date because I lost my job. I am currently unemployed. I submitted a revocation of ach and/or debit authorization to XXXX on multiple occasions. There is no way for me to speak to anyone over the phone and I can't get through to anyone in the " chat ''. The only I'm able to contact support is by email. I received email confirmation that I would no longer be subjected to ACH transactions. However, they still continue to process ACH transactions, and according to my bank they've made multiple attempts to debit my bank card. I specifically asked to cease all transactions in which they use my banking or debit card information. They continue to process ach transactions with the most recent leaving my account in the negative. Furthermore, none of those transactions are going towards the outstanding balance. Please see attachments.
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (FL)

On XX/XX/2023, I sent a wire transfer to CitiBank in the amount of {$290000.00} to be deposited in account # XXXX in the name of XXXX XXXX XXXX On XX/XX/2023, I requested my bank, XXXX XXXX XXXX to request a refund due to disagreement on the services provided. Such request was with the consent of the recipient. XXXX XXXX made several attempts to retrieve the funds but was told repeatedly that the recipient 's account was under review. 
More than XXXX months later, the wire transfer has not been refunded.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
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. (FL)

Consistently, I've made sure payments on this account are timely, preventing any from becoming overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the The Fair Credit Reporting Act, XXXX XXXX account ending in ( XXXX ) has violated several of my rights. 
15 U.S.C 16681 Section 602 A clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Remove these account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporti
ng Act. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-05-01
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I purchased XXXX XXXX XXXX XXXX from XXXX for {$2000.00} each, or {$4000.00} total. In return, I was supposed to receive my investment back plus a 15 % return in one year. So, I was due to receive {$4600.00} after they sold the beef from the cattle within 10 days after XX/XX/XXXX. I put the charge on my Chase XXXX XXXX XXXX card ( XXXX ). Please see attached for the contract and my credit card statement showing the purchase for {$4000.00}. 

XXXX was later found to be operating a fraudulent ponzi scheme. They have disconnected their phone number, and I never received my promised payout. Please see the latest update here : https : XXXX XXXX is now under federal investigation by the SEC with ongoing legal proceedings. 

XXXX XXXX is the attorney handling this case. 
XXXX XXXX I reached out to Chase twice about getting the {$4000.00} charge reversed because I never received the " goods " ( {$4600.00} ) I was promised. I am attaching their latest response from XX/XX/XXXX, XXXX. They denied my request saying the charge was valid. But that isn't the basis for my dispute. I am not disputing that I made the purchase. No one stole my credit card and made the purchase. I acknowledge that I made the {$4000.00} purchase. I am simply arguing that I never received anything from XXXX in return. 

The whole point of making a purchase through a credit card rather than paying cash is to receive some layer of protection from fraudulent companies such as XXXX. This ponzi scheme has involved thousands of victims and some of them have already received refunds on their credit cards from other issuers such as XXXX XXXX -- why won't Chase do the same to make their customers whole? 

Thank you for your help! 

XXXX XXXX
Consumer complaint received 2023-11-16
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. (VA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (FL)

Seterus Inc , has failed to abide by the servicing guidelines in connection with the  HAMP  and Non-HAMP loss mitigation options by the Treasury department in connection and also failure to abide by the   XXXX   XXXX   XXXX   underwriting guidelines published on    XXXX   XXXX  .      On    XXXX   XXXX   XXXX  , Seterus Inc , denied our mortgage assistance request and claimed that we did failed to provide a " hardship '' letter. The record reveas that on    XXXX   XXXX   XXXX     , the hardship letter was provided. Therefore  Seterus Inc  have provided false information in connection with a  Federal Program  in order to acquire a denial.     Upon receipt of  Seterus  correspondence, we contacted the servicer and was told that no other information was needed because were in receipt of a full package and that the loan was sent to underwriting.     Following this conversation few days later, the servicer changed recounted their explanation for the denial and claimed that the application did not reflect the correct amount of the  S.S Income  provided. Seterus inc, claims that the application reflects the e S.S.  Income of {$360.00} and the bank statement reflects other amount.     We explained to the servicer that the application reflected the correct amount for the following reasons : 1. Only i    XXXX   XXXX    executed the note and not my husband   XXXX   XXXX     therefore my husband income has to be reflected under " contribution '' and not appropriate to be reflected on the S.S  Income.      My husband provide all applicable documents in connection with the treasury department guidelines, as well as evidence of contribution and well explained. The bank statement reflects the amo unt i receive of S.S Income w hich is exactly what i receive, while servicer claims that i did not provide the full amount.  Servicer i s playing stupid and claims that I receive {$650.00} of  S.S Income  and also {$360.00}. The record revelas that the {$650.00} is my husband  S.S Income and n ot mines. He furnished, bank statements to prove this and also explanation letter.   It is obvious that  Seterus  continues to act in bad faith in connection with a federal program.     Be advised that the servicer denied our previous mortgage assistance request, although we abided by the trial payments. On the second payment Seterus cancelled the loan modification claiming that we did not provided the " PMI '' amount. We made two payments pursuant to the amount reflected on the approval however they claim that we had to add the PMI our selves.  Seterus  filed a lawsuit after the denial which is what they really what had in mind all along.     Seterus has acted in bad faith and we request that they reopen the mortgage request.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc. (AZ)

Prosper has placed a block on my card and account. Upon receiving my new card in the mail today, I am unable to activate and use my funds. I called and spoke to a supervisor, XXXX, who informed me all they can do is submit a request to a team who is working on it as my account is under review. Ever since I opened this account, I have had countless issues, from account blocks to fraudulent transactions and sudden limit decreases. I need my card to be unblocked with access to my funds immediately.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached an FTC report with a collection that is reporting to my Transunion report that is Identity theft, the address they are telling me is mine is not mine and it is not an address on my credit report. I have attached proof of residence my drivers license and my social. Please delete this account and delete the unauthorized inquiries listed as well
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (CA)

This is concerning Spring Oaks Capital LLC. 
I got a letter from Spring Oaks Capital LLC on XX/XX/XXXX  attempting to collect on a debt that I do not own. I sent Spring Oaks Capital LLC a letter of dispute to the alleged debt on XX/XX/XXXX  for validation of debt under 12 CFR 1006.34 - Notice for validation of debts. After this I waited 30 days and then I sent another letter of Cease and Desist on XX/XX/. I did receive a response from Spring Oaks Capital regarding this alleged debt. Unfortunately this company did not give me Lawful validation for the alleged debt under the FDCPA. I did give Spring Oaks Capital LLC a chance in good faith to validate this alleged debt. The problem with Spring Oaks Capital LLC is that they are furnishing information about me without having permissible purposes according to the FCRA, now this makes it an Identity theft, under Title 18 1028 A Aggravated identity theft. Furthermore Spring Oaks Capital is attempting to collect on a debt that is considered income according to the IRS for being a charge off. Income does not get reported to the CRAS According to XXXX, and this debt has a XXXX balance. What are they collecting on? The Original Creditor has already charged off through the IRS with a 1099-C Cancellation of Debt. These are the violations of Consumer LAWS, and Criminal LAW.

15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.
Consumer complaint received 2023-11-16
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. (DE)

In accordance with the fair credit reporting act several accounts have violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Equifax, XXXX, and XXXX have gone this repeatedly on my credit reports. 

I am requesting that the information be corrected, and removed immediately as it is damaging to my credit report in trying to obtain any kind of credit to prevent homelessness, and other funding options. 

I am forwarding this information also to my attorney. 

Thank you cfpb for your attention to this matter. 

XXXX XXXX XXXX
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: EQUIFAX, INC. (NC)

My personal information was stolen XXXX, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. 

Ive also noticed a list of credit inquiries that I did not authorize and should be blocked from being reported due to it being identity theft, per 15 US 1681C-2. The inquiries are : XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/2023 I received an alert that a new credit line had been started in my name, I also received a letter from JP Morgan Chase that I had been denied a new line of credit. I had not initiated any new credit or applied for a new credit card. I made calls to XXXX XXXX Chase & put freezes on all XXXX  of my credit reports as well as fraud alerts. We recently moved & I believe someone at the apartment complex we were at previously used my information to try to get a credit card in my name, as they would have had access to my information & the mailboxes to be able to receive a card had Chase provided a new line of credit.
Consumer complaint received 2023-11-04
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. (MI)

i checked my report and noticed i had inquiries on there that i didnt recongnize or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

I have over XXXX Unauthorized Transactions from XXXX XXXX. I DO NOT have an active Cash App account. I have checked with Cash App and there are NO transactions made in my name or with my SSN that is registered with their company. I have explained this to CHIME Dispute department but I keep getting passed off like it's not a big deal. I just filed dispute and they already send me a denial letter. This is ridiculous and unfair. 

This is A LOT of my money that was taken for an account I hardly ever use. I recently had a large sum of money from my retirement deposited that is now gone! I have already started speaking with an attorney over this matter and need to get my money back ASAP! Chime as initial denied my Dispute but I was never provided with specific details or information showing proof I was at fault. This is 100 % NOT my fault and I am willing to fight them until I get my funds back! 


Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$4300.00}