davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (NV)

I contacted seedfi on XXXX XX/XX/2022 about my {$240.00} that was supposed to be refunded to my XXXX XXXX XXXX  account as they closed out XXXX by account on XX/XX/2022 They stated it would take XXXX to XXXX business days for me to get my money back. Now as of today XX/XX/1222 they're saying that they're keeping my {$240.00} that I had paid into the account as the account is XXXX XXXX for you to save money and it locks it in until you reach a certain amount of money then you're able to get your money back but they report all this as a loan on your credit So you can build credit history but really the company never really gives you any money that you can go and spend your anything like that it's all fake. So now they're saying they're keeping my money because my original agreement with them was that they would give me a {$1000.00} loan which I would have to pay back But really they never gave me any money they goes into an account and then it was locked until I reached that certain amount now that they're closing out my account they're refusing to give me back my {$240.00} that I paid in to them they never gave me the other {$760.00} they're saying that I owe them. This is crazy like they're basically just robbing me for my money and closing out my account and not allowing me to pay the other {$760.00} in order to get back my {$240.00} that I gave them I don't even think this service should be legal.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern XXXX While checking my most recent XXXX credit report, I noticed credit inquiries that I did not authorize to pull my credit report. The inquiries made by the following companies : XXXX XXXX XXXX XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 ( c ) and a serious breach of privacy rights. Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.Attached are copies of my state ID and bank statement to confirm my address.Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (CA)

NetSpend has flagged me as a fraud I have submitted every document they've asked for for proof of identity evidently there's somebody else trying to be me I don't know they won't say they treat me and shift me around and treat me like I am a fool they are very unprofessional this has been going on for 9 months you would not believe the stack of canceled cards that I have from them they cancel my cards and report them stolen on their own and I didn't even report it I have them I'm going to be homeless in 2 weeks these people are ridiculous and I need help and XXXX and I want rid of all three of these people and my funds transferred somewhere else
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (CT)

I've requested statement copies as well as account agreement for checking account opened with TD Bank, last request was made several weeks ago and nothing received to date. A XXXX package received from TD Bank was empty, possibly tampered with. I need statement copies from account opening to closing, the account is closed and I do not have access to online statements. I also need account agreement
Consumer complaint received 2022-11-07
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 — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX I Opened a credit card request for Jet Blue due to a promotion they had to take ( - {$300.00} ) to a current trip. I bought a flight to new jersey through jet Blue Website also filling out the credit card application thinking it was going to be applied to the total. 
The notification I received upon finishing the application was that it was in processing and that they will notify me if I was approved on it. I never got the ( - {$300.00} ) to my total so I thought I wasnt approved. In XXXX I was checking my credit score because I want to buy a home for my family since we had a newborn on XX/XX/XXXX of this year. I noticed that there was a XXXX point drop on my credit score due to a credit card not paid in XX/XX/XXXX telling me that there was an account 30 days past due I then immediately looked to see what card it is and it was a Jet Blue card I received in XXXX. I knew I didnt make any purchases with this card so I called and asked why the charge and the company representative told me that it was because their annual fee is charged on the XXXX of XXXX! 
I was already being charged of an annual fee without even having the card yet. I was not notified of this charge anywhere. No letter was sent home nor email. As you can tell in my credit report. I am very careful about my credit and what I buy. I take care very much of my credit and for this to happen its just wrong from them. 
I tried calling the company and they told me that I must write a letter to you reporting this issue as there is nothing they can do from their part. I paid the full amount owed as soon as I found out about the charge, and I also closed my Credit Card with them. 
Please help me investigate this issue further and please delete this wrongful reporting from my credit report as it is more of a scam than fair. 
Thank you very much for your time.
Consumer complaint received 2022-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

Back on XX/XX/2022, I received an email from National Credit Adjusters , LLC, with regard to an alleged debt I owed. On XX/XX/2022, I sent them a debt validation ( dispute ) letter with regard to the debt through XXXX XXXX XXXX I got a tracking number and saw that it was delivered to the XXXX XXXX they listed on XX/XX/2022, well within range of the XXXX XXXX  I get to dispute the debt. Now fast-forward to XX/XX/2022, and I have yet to receive anything validating this debt. I requested that verification of debt be sent to me within XXXX XXXX of my letter, to which they have failed to do. At this point they are well past the XXXX XXXX they have to verify this debt, as such this debt has been deemed invalid. 

I will attach the tracking number along with the tracking slip showing my letter was sent and received by them. I am also attaching the letter I had send to them on XX/XX/2022, requesting validation of this debt. I am also attaching the XXXX  letter requesting they forward correspondences to my mailing address.
Consumer complaint received 2022-11-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO)

On Monday, XX/XX/XXXX I reached out to XXXX hop finance about my past due balance for XXXX dollars and asked if they were going to be taking the vehicle. I was told that the account has to be at least 30 days past due. The account is not 30 days past you, but they came and repossessed my vehicle today.
Consumer complaint received 2022-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

I bought a new XXXX XXXX XXXX in XX/XX/XXXX, and Chrysler Capital did the financing of the loan. I setup online account access and requested payless statements. I received one payless statement in XX/XX/XXXX and nothing else. I've never received paper statements either. On XX/XX/XXXX, I called Chrysler Capital and spoke with XXXX, employee ID # XXXX, who advised me that he could send me a copy of my XXXX and XX/XX/XXXX statements but when he attempted to send it to me, he was only able to send XX/XX/XXXX statement. While XXXX was extremely helpful in trying to resolve the issue, he was unable to. 

As outlined under 12 CFR Part 1026, subsection 17, the creditor, Chrysler Capital, is required to provide a periodic statement in either print form or electronic form provided by the consumer has agreed to electronic form.
Consumer complaint received 2023-10-23
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. (NJ)

DELETE THESE INQUIRIES, PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (MN)

I am writing to express my deep concern and frustration regarding a series of unauthorized transactions on my CURRENT Bank account ( also known as XXXX XXXX XXXX ), which have resulted in significant financial hardship for me. I kindly request your intervention to help resolve this matter promptly and fairly. 
I noticed three unauthorized charges on my CURRENT Bank account, totaling {$450.00}, {$500.00}, and {$460.00}, respectively. I immediately reported these charges to CURRENT Bank, requesting that they investigate and refund the amounts to my account. Despite providing clear evidence and screenshots and a lot of proof, that these transactions were unauthorized and explaining that I had lost my card and had to replace it, CURRENT Bank denied all three dispute requests. 
I can not emphasize enough the impact that these denied dispute requests have had on my financial well-being. Not only did I experience a loss of almost {$1500.00} due to these unauthorized transactions, but I also faced severe difficulties in covering my bills and other essential expenses during that month. The situation was exacerbated by the fact that I had to wait for the unauthorized charges to be resolved, adding unnecessary stress to an already challenging time. 
I want to address the reason provided by CURRENT Bank for denying my dispute requests. They stated that the denial was based on the fact that I have previously done business with the merchant XXXX. I want to clarify that I did not authorize any of the transactions in question, and I have not knowingly engaged in any business with XXXX that would warrant these unauthorized charges. 
I believe that I have followed all necessary protocols and provided sufficient evidence to support my claim that these transactions were unauthorized. I kindly request that the Consumer Financial Protection Bureau intervenes in this matter to ensure that my rights as a consumer are upheld and that I receive a fair resolution. I am seeking a refund of the full amount of {$1400.00}, which I have lost due to these unauthorized transactions. 
I understand that the Consumer Financial Protection Bureau exists to protect consumers like me from unfair practices and to ensure that financial institutions operate with transparency and integrity. I kindly ask for your assistance in facilitating a resolution with CURRENT Bank, as I feel unjustly treated and unsupported in this matter. 
Please find attached copies of the relevant documentation, including statements, transaction records, and correspondence with CURRENT Bank. I am confident that a thorough review of these documents will confirm the validity of my claim. 
Thank you for taking the time to consider my situation. I look forward to your prompt response and a resolution that is fair and just.
Consumer complaint received 2022-11-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (IL)

On XX/XX/XXXX, I purchased a vehicle ( XXXX XXXX XXXX ) from XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX, Il. I was told I had to pay {$2500.00} down payment for vehicle and also pay for my own car insurance upon leaving the car lot. Later upon doing research I am aware of " Tile '' ( Truth in Lending Act ) and also aware that with contracts I was taken advantage of and wasn't given full information about my vehicle contract. There where billing errors and also wasn't aware of my rights to rescind a contract as well. Later down the line my vehicle was also reposessed with a warning of the repo and also I paid my car note and it was a system error on there end but still decided to repo my vehicle and made me come out of pocket and go get my vehicle instead of returning to my house where they picked it up from. Also the documents I signed was a privacy notice, and in the noticed it said they may not disclose person non public info about myself to any third parties unless permitted by law, and according to my knowledge giving my info to the third party such as repo company was not lawful.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

Chime Bank froze my checking & savings account regarding an incoming credit from my employer, they state the amount and dates spanning over an 8 month period They asked for documents which I provided numerous times and still my account is frozen for going on 4 days with no resolution. I have had this account for 5+ years and have received deposits from my employer bi weekly into the account for 4+ years. Again Ive submitted proof of address copy of my Ny state identification card and paystubs from my employer. Every time I call I get a person that does not give a sufficient answer. 
I have not been able to pay my bills, buy groceries for my family or use any of my money.
Consumer complaint received 2024-02-14
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK (TN)

The bank applied a negative XXXX balance to my account for attempting to cash a check that they claim would not process. The check was cashed at another bank without any issues. The account was frozen and had a the negative account balance. The check cleared XXXX XXXX The bank refused to cash a payroll check drawn by there bank and a local University that wouldn't clear a mobile deposit and refused to credit my account for a deposit. The bank has took me through high volumes of stress & grievance without cause.
Consumer complaint received 2022-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/2022 I was scammed on a XXXX purchase for wheels. I used Zelle that was offered through my bank ( XXXX ) app and transferred {$1000.00} to someone who obviously isn't real. when I tried to reach out to this person I was blocked from messaging them. I did not know that I was being scammed but I felt confident that XXXX would have a way to protect me from something like this. When I filled a dispute through XXXX they said that reimbursement was declined because of Zelle 's policy. Why would XXXX support a company like Zelle!? XXXX is a military banking system and they can't even protect us from scams? this seems crazy!
Consumer complaint received 2022-11-12
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-12
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC (PA)

Contacted the debt collector and was advised if I paid off this debt it would be removed from my credit reports. Not only has the collector kept the debt On my credit report. It still updates as if it is not paid and that is hurting my credit I have disputed this transaction with my attorney general of my state. Unfortunately the Attorney General said they have no standing over this case and referred me to you
Consumer complaint received 2022-11-12
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 15 USC 1681. 

Account name : 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 2022-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (TX)

I used to be a resident of XXXX XXXX XXXX. But i have already paid my debt or any other amount i have to pay a long time ago. It was their mistake to send them this. Please clear out with them. They will clear this. Actually, XXXX XXXX XXXX have to give me certain amount refund to me.
Consumer complaint received 2022-11-12
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: Source Receivables Management LLC (CA)

I have disputed the inaccuracies on my credit report that Source receivables is sending to XXXX and XXXX. One example is that they are reporting Date Last Active as XX/XX/2022 I have never been active on this account. They are violating the FCRA laws. Also, I need validation of debt. I have never signed a contract with this company or owed this company one cent. I would like for you to investigate this matter. I need some legal documentation with my signature stating I owe them and the exact amount. I am going to file a complaint with the state attorneys office if they don't remove it by next week. Thank you in advance
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I opened a small loan with XXXX in XX/XX/XXXX. I began making payments in XX/XX/XXXX. I made all payments since then on time and for the full amount. XXXX reported the total balance and the first two payments to Experian. After 11 months of payments, XXXX did not reported again. In XX/XX/XXXX XXXX XXXX stop reporting any information to Experian and Experian removed the loan from my credit history. This lowered my credit score by removing the a history on time payments and increased my debt to available credit ratio. They have harmed my credit score when there is ample evidence that I have met my contractual obligations to XXXX, including paying their very high interest rate. The sole purpose o this loan was to build a credit history and therefore increase my score.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have only XXXX phone number As I look on my Experian, XXXX and XXXX I see unknown phones that doesnt belong to me the only phone number tha should be listed is XXXX