davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (RI)

XXXX - XXXX XXXX XXXX paid {$34.00} I had gotten XXXX XXXX one day, and in my delivery instructions, I have included to not leave my food outside on the ground. I do this with every order, because the ground outside is filthy, and is just pure cement. I typically do not like my food sitting where animals track, XXXX, and XXXX on. 

So in my instructions, I always right to leave on the front porch where all they have to do is open a glass door and leave the food there. The XXXX that handled the XXXX XXXX delivery decided to ignore that note, and leave it on the ground in animal filth ( XXXX and XXXX ). 

Due to my XXXX, I have to be extra careful when it comes to stuff like this, so I had to throw the order away. I've contacted XXXX XXXX about the order, and they refused to refund, as they only care about if the delivery was made, not the quality of the food. 

I've made a dispute in CHIME BANKING, owned by the XXXX XXXX, to protect me in situations like this, as they usually do, and this time, it took a month for them to finally reply, and they denied the dispute. 

I furiously reached out, asking for a rebuttal, and supplied more information, and requested to be called multiple times, and each time, they deny the dispute and never call me. I've supplied all the information, I gave emails, I gave pictures, I told them that it's inhumane to expect a person to eat food where animals peed and pooped, and they still chose to ignore me. 

They refuse to refund me my {$34.00}, and they refuse to call me when I specifically request them too each time they deny the dispute. I will continue to rebuttal the dispute until I get my money back, or report it to the FTC for refusing to do so. 

They've denied my claim a total of 8 times, including the one from today. I sent them pictures, and the emails, where even XXXX XXXX apologized and said that they would offer the refund if they could, but because it's been over 30 days, they cant, and can only offer coupons. 

I was told by chime that if I send this to their investigations team, they would approve my dispute. They did not. 

Not only this, but I made a complaint to the XXXX XXXX XXXX. Chime LIED to the XXXX and stated that my complaint was directed towards XXXX XXXX, and not chime. I do not even own a XXXX XXXX  account. They are lying because they do not want complaints registered to their bank. It's shady tactics, and they have a history of doing this to other chime bankers, as seen on XXXX where a bunch of people had been wrongfully declined their dispute. 

Everyone recommends to contact the CFPB to help us, and so here I am making my claim as well.
Consumer complaint received 2024-01-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Hello everyone, I received an American express gift card from my employer as a XXXX gift in XXXX. I was able to use the gift card for XXXX purchase in the beginning of XXXX but as of recently I have tried my best and have not been able to use it anywhere. I contacted the company earlier this year and they claim their gift card can be used everywhere. Unfortunately this statement is false and their gift card can not even be used on XXXX or XXXX to complete purchases.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-04-28
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (LA)

Greetings, I have an auto loan that began around XX/XX/XXXX, that was financed through KiaFinance America. After reaching out to them earlier this year in XX/XX/XXXX they did oblige to my request to adhere to the Louisiana SCRA & decreased my interest from 6.25 rate to 3 %. Which was effective as early as XX/XX/XXXX. However I paid a significant amount in interest over that period of time & I am trying to see if I am entitled to any payment for the interest that accrued over the duration of the loan.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

The hard inquiries on my credit report are not linked to open accounts. Im requesting for the inquiries to be deleted. I didnt authorize these companies to run my credit thats fraudulent and not to my knowledge.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

Recently, I was denied credit by American Express. On XX/XX/2024. I applied for an American Express Platinum Card, Ref Number XXXX. 

According to the American Express Company Prospectus and the American Express Travel Related Services Company , Inc, my application is an asset-backed security. When I put in the application, I gave the company a transferable security. As remedy for my denial, I demand an overturn of all denied applications for open-ended/unlimited credit, discharged monthly. Fair exchange is fair exchange. I've applied 3 other times before this which, in total, is 4 asset-backed securities or transferable securities given to the company. I haven't received anything for this exchange. I called the company to talk to the proper authority on the matter and was transferred to the Declined Application Department and was told that the reason was because of my XXXX score. I know for a fact that my XXXX score is 1 factor, but never the deciding factor because of the fair exchange of asset-backed securities. I endorsed the securities ( applications ) and got absolutely nothing for it. I know that the company does not dispose of the denied applications. At it's more basic level, it's securities fraud.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  accounts In accordance with the Fair Credit Reporting act XXXX accounts, 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.
Consumer complaint received 2024-04-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

On XX/XX/XXXX I contacted Hunter Warfield after receiving an email with an attachment I could not open. I was told I could not dispute the debt. I asked for an address to write a letter and I was not given one. Instead I was pushed to give credit card information to start making payments. I was told they could only cut 10 % as a settlement. I was then abruptly hung up on when I said I was driving. 
I opened the attachment and saw it could be settled for 50 %. So I called back a second time. Different woman this time. Did not say I could settle for the 50 % only what the woman before told me. She said she didn't have record of me calling just 20 minutes prior. Again would not give me an address to write a letter to. I asked for proof that I owed alleged debt. I said I wanted to speak to someone higher. She stated she " wrote down what I said and would pass it along. ''
Consumer complaint received 2024-01-24
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

Back on XX/XX/XXXX and XX/XX/XXXX I submitted the bill from the title company showing money was withheld at closing for taxes when I closed in XXXX of XXXX. I submitted a receipt showing my taxes where paid in full for the first half of the year and they still processed the payment they were not suppose to do so paying my taxes and did not reply to my communication that I sent over a week ago. My escrow account is now in a negative balance because the company did not communicate with me showing all the proof they were not responsible for paying taxes the beginning year. This has put my escrow is negative balance XXXX and I have to pay the difference.
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (SC)

IVE DISPUTED THIS ITEM NUMROUS OF TIME ON MY CREDIT REPORT. 
XXXX XXXX XXXX IN aCCOUNT NUMBER XXXX. IVE ASK THEM TO VALIDATE THE DEBT, IT IS NOW DAY XXXX, AND STILL HAVENT HEARD ANYTHING FOR THEM. SO IM ASKING THAT THIS ITEM BE REMOVED.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (PA)

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution
Consumer complaint received 2024-04-25
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (MI)

Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3600.00} XXXX XXXX XXXXXX/XX/XXXX {$130.00}
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BOK FINANCIAL CORP (OK)

Accidentally send XXXX to a friend when only meant to send XXXX through XXXX I called my bank and explained my friend said she only received XXXX of the XXXX and I reported it to my bank they gave me a number to XXXX I couldnt get through to them and feel like Im getting the run arounds. The bank XXXX XXXX  said theres nothing they can do. I tried to cancel the transaction several times and it wouldnt let me. Its been about XXXX XXXX and my friend said its still not showing anything in her bank. So my XXXX dollars is just floating around somewhere.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I am trying to transfer the money in my account to another bank that is linked online. I get this message everytime. 

For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code XXXX. 

When I call the number the automated voice tells me there is no bank linked and that is it. There is no way for me to resolve this " security reason '' and I need that money now.
Consumer complaint received 2024-04-25
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. (PA)

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.

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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-31
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. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX / XXXX XXXX
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

XXXX XXXX Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Complaint Against Wells Fargo XXXX XXXX XXXX XXXX XXXX, IA XXXX and XXXX XXXX XXXX XXXX Plaintiff attorney XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX for Violation of RPAPL Section 1304 in Foreclosure Case ( Index No. XXXX ) Dear CFPB, I am writing to file a formal complaint against Wells Fargo and XXXX & XXXX XXXX XXXX related to the foreclosure action against me, XXXX XXXX XXXX under case index number XXXX. This complaint specifically addresses the plaintiffs failure to comply with RPAPL Section 1304, which mandates a 90-day notice before commencing foreclosure proceedings. 

RPAPL Section 1304 requires lenders to provide borrowers with a 90-day notice as a prerequisite to foreclosure. In my case, Wells Fargo and their attorneys has neither mailed the required notice nor provided proof of such mailing to the court. This omission constitutes a significant procedural violation and undermines the legal validity of the foreclosure process. 

As a result of this failure, the foreclosure auction scheduled for XX/XX/, should be deemed unlawful and therefore canceled. I request that the CFPB investigate this matter thoroughly and ensure that Wells Fargo and their attorneys is held accountable for their non-compliance with the statutory requirements. 

Thank you for your attention to this critical issue. I look forward to your prompt response and intervention. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-25
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. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX