davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (AL)

Beginning in XXXX, I started receiving calls from a collection agency called LTD Financial Services about a debt I owed to XXXX. They indicated the amount but wouldn't specify what type of debt it was. I told them that wasn't my debt and I even called and visited the corporate office of XXXX to get proof that I had no debt on my bank records. I received a letter from them on XX/XX/XXXX but was postmarked XX/XX/XXXX. I have filed a dispute letter.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NJ)

I opened a chime account in XXXX of 2021. I was interested in testing a new type of account. I have a main bank account with XXXX In XXXX my brother sent me {$110.00}. Late XXXX I tried using my chime debit card at a grocery store and was declined repeatedly. I had to use another form of payment and thought this was a fluke. 
I was contacted by chime apologizing for the decline, my card was active and the money was there for me to use. 
Early XXXX I ordered take out for my daughter and I, the card worked whew! 

On the XXXX of XXXX I tried buying groceries again. This time, my card was declined 6 times. The store was packed, I was humiliated. 

I then submitted a transfer of the remaining funds to be sent to my XXXX XXXX  account connected to this chime account ( {$63.00} ). 

After, I called spoke to a representative and kindly asked for my account to be closed. I explained why and asked if the transfer of my funds would be affected? She assured me it would not. The transfer showed as initiated and will still go through. 

Today is XXXX XXXXstill no money. I called repeatedly to try and get this resolved and each time I explain and ask for a manger the phone mysteriously disconnects. I have emailed as well and I response. 

I then went on line an discovered so many complaints against chime where peoples funds have not been returned after calls, emails etc. many owed way more money than me. 

I want my money and consumers need to be protected from chime scammers
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I applied for new Internet and Cable service today. Surprisingly, I was denied. I was so confused when the representative told me it was because of bad credit. When I had my credit pulled I saw things on my report that l knew nothing about. I was advised to call the police and I did, also contacted the FTC. Please delete all these items as they are not mine. 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 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 NAME : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

I have continuously disputed this debt for the past 2 years with XXXX, XXXX, XXXX. I have also contacted the companies at various times to inform them that this is not my debt. I did during that time have a young lady renting a room from me but I did not had XXXX XXXX and now I have had XXXX XXXX XXXX for several years. I also sent Diversifed Consultants a letter of Debt Validation requesting the original documents with my signature. I received the attached final notice, which does not show proof of contract. 

XXXX XXXX, dba, XXXX XXXX XXXX, dba, XXXX
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2019 someone fraudulently withdrew {$2000.00} out of my account. I went to the closest bank branch where the suspended my old account and gave me a new one. Chase gave my {$2000.00} back. 
XX/XX/2019 Chase claimed to have completed an investigation and claimed that there was no fraud and immediately withdrew {$2000.00} out of my account. 
I am now left with a -XXXX balance and incurring overdraft fees because chase claimed that there was no fraud when there was. 
Chase also had the audacity to blame it on me. 

Fraud did occur and chase is turning a blind eye.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One is not allowing me to access or close my account. I called into customer service on XX/XX/2022. The representative told me that I would need to speak with another department. She transferred the call to a department that did not have any live personnel available, so I left a detailed message with all of my information. I allowed 24 hours to pass, as instructed be the representative but no one called me back. I called in the morning, XX/XX/2022, the customers representative transferred the call to the customer protection department. I was connected to XXXX XXXX agent id XXXX ), she was very rude antagonizing and accusing me of fraudulent activity. She went on to say that Capital One has decide to discontinue business and services but I can not withdraw my funds or close the account. Also, I can not check my account to retrieve any supporting documentation to submit for my claim against Capital One. I asked XXXX to connect the call over to a supervisor because she refused to assist me any further and decline to give me her agent id number. I has able to speak with XXXX XXXX agent id XXXX ), she identified herself as the acting supervisor. I asked XXXX to explain the following : If Capital One has discontinued financial services why is the account still open and if the account is still open why can't I have access to check my account to access bank statements? She told me that I will not have access and the only communication will be through email. I told her that if my account is still open legally I should be able to access my account to acquire bank statements. This leaves me at a disadvantage because I can not provide any supporting documentation to assist the CFPB with my claim. Capital One is yet again using shady business tactics to hold consumers responsible for their inability to protect financial accounts and accept any responsibility for the failure to do so.
Consumer complaint received 2019-07-23
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: General Motors Financial Company, Inc. (NC)

I pulled my XXXX credit report and found Americredit Financial Services had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Consumer complaint received 2019-07-23
Product: Vehicle loan or lease — Title loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I receive about 3 pieces of mail a week from XXXX XXXX and have sent about 100 back in the mail to them to stop sending me their unsolicited mailings and that I am not interested. I have called them about 20 times to take my information out of their system and I still receive them. I called again today XX/XX/19 and spoke with XXXX XXXX to take me off of their mailing list. It's harassing at this point that I am not interested, I am on a do not call registry and also the opt out on mailings and I still receive these mailings on a weekly basis.
Consumer complaint received 2019-10-02
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (UT)

I received two prepaid reward cards from American Express as rebates for items purchased from XXXX XXXX. The first was received in XXXX for the value of {$75.00} with an expiration date of XX/XX/XXXX. The second was received in XXXX for the value of {$80.00} with an expiration of XX/XX/XXXX. I have purposely held on to both cards, along with others, for a specific purchase. When I went to use the cards XXXX of XXXX at XXXX XXXX, the cards had XXXX value. I called the number on the cards, which was American Express, and was told that due to non-use a {$2.00} fee had been charged each month depleting the funds. They did state it was in the disclosure sent with the card and was also printed on the back. I will admit I did not read the back of the card as I thought this practice ended with the card act in XXXX. Regardless, this practice is wrong and somewhat deceiving as you have an expiration on the front of the card which suggests the value of the card is good until this time only to find they are already taking funds from the card for non-use. American Express stated there is no way to replenish the funds and it is my loss. Basically, you snooze, you lose. I feel this is a very unfair and deceptive practice. The card act talks about this practice and the unfair practice. I feel I should receive the {$150.00}. Card numbers XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NM)

My dad XXXX XXXX on XX/XX/XXXX. I made the mortgage payment on XX/XX/XXXX to make sure the account was kept current and at that time requested an email letting me know what would be needed for me to be able to sell the house. 

I have emailed and called in an attempt to receive the needed paperwork to sell his house twice a week for this entire month. They have refused to send me the necessary paperwork so I can sell the house. Several times they have even refused to let me speak to a manager. I have email confirmations and all the of the times called. 

Every single call I have had to explain that my dad XXXX XXXX   and no one has given even the most basic of information. 

This is completely inappropriate and financially devastating to my family.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-12
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. (FL)

I have been denied credit for years due to the fact that unauthorized charges and inaccurate balance and credit limit information has been reported on my credit file. I submitted a police report since 2018 and nothing has been done. The accounts have not been updated they have now been closed and charged off leaving derrogatory remarks on my report
Consumer complaint received 2023-06-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Filed complaint on XX/XX/XXXX and mortgage company mr cooper claimed to have forwarded a response to me on XX/XX/XXXX and as of today XX/XX/XXXX I have yet to receive any response to request of documents NOTICE OF FILING XXXXDENTITY THEFT REPORT FEDERAL TRADE COMMISSION REPORT # XXXX
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX  Date of Inquiry XX/XX/2020 XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX Date of XXXX XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 NAME : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX
Consumer complaint received 2019-07-23
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: Innovative Funding Services, L.L.C. (NC)

I pulled my XXXX credit report and found Innovative Funding Services had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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 are not complete and accurate . 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 2022-01-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Amsher Collection Services, Inc. (CA)

I tried to speak with this company in regards to not being notified of this account prior to being reported on my credit report. I was not sent any kind of communication in the mail or phone. The address the company had on file was over 6 years old. As a FCRA Reporting company it is their due diligence to properly notify me before placing an account on my credit report. That was not done so. I want to pay this account but since I was not properly notified prior to the credit reporting as required by my consumer rights, this needs to be deleted off my credit report. These are sneaky and unfair practices that we are supposed to be protected by with the CFPB/FDCPA. I am hoping we can come to a resolution as this is not supposed to be on my credit.
Consumer complaint received 2019-07-23
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: Santander Consumer USA Holdings Inc. (NC)

I pulled my XXXX credit report and found Santander Consumer USA had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I was out of state, I tried on XXXX different occasions to transfer money from my other checking account to the account that has Been closed. I was not seeing the deposit. I then seen that my balance was negative. I called the bank and explained what was going on. I was told that because the funds weren't available when they posted my account was in negative but it would fall off. My mother XXXX XXXX XXXX that was owed to me and due to me being negative the funds were taken. I checked my account a day later and showed a balance of XXXX. I tried to use my card for a small amount and card was declined. I then tried again and same thing card declined. I called bank and spoke to different people who would nit give information just stated over and over that account will be closed and they will issue a PAPER CHECK to my address on file in 60 days. I was unable to get clear answers or answers at all. I asked if it was due to activity of being out of state no answers. I have called again due to this creating a hardship and still no answers just that I will recieve a paper check in 60 days. I am in a financial hardship and have yet to receive a check I have been blocked from card use as well as banking online.
Consumer complaint received 2019-07-23
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: First Investors Servicing Corporation, Atlanta, GA Branch (NC)

I pulled my XXXX  credit report and found First Invst SVC had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

Regardless of the multiple written requests, JPMCB CARD accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( JPMCB XXXX XXXX, JPMCB CARD XXXX )
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (CA)

I lost my job due to pandemic on XXXX of XXXX and my son lost his job on XX/XX/XXXX we can not afford to pay the monthly payment of the car so we decided to voluntary surrender the car I call the Credit department of ford they send a letter of voluntary surrender which stated that they going to sell the car in auction and if the sale did not cover the due balance of {$25000.00} plus sale expenses I will pay the difference.I call them back and told them that i am not going to sign the letter and i will just drop the car to Dealer where i bought the car which is XXXX XXXX in XXXX I call XXXX XXXX but they did not want to accept the car and said that i can drop the car but they are not going to give a documentation and it on me if something happen to the car.I called back Ford credit department but i can not get an answer so i decided to file a complaint