davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (GA)

Saw a post on XXXX  stating that a XXXX XXXX was being offered for free since the person posting said they had bought a new XXXX XXXX and wanted to do a " good deed '' by giving his other XXXX XXXX  away to anyone who sends him a message with a good reason as to why he should send it to them. I sent a message via messenger and he quickly replied asking me where I was located. I told him, in which he then responded that he was located in XXXX, and since I am Located in XXXX  he would be happy to ship he laptop to me. I agreed, with him saying the cost to ship through XXXX  would be {$50.00}. I then transferred the {$50.00} to him through my chime bank account to his chime bank account, btw the is all happened on Saturday late afternoon/early evening. Fast forward, the next day ( Sunday ) I receive message from him saying he could ship the XXXX  XXXX but it would cost another {$50.00}. I declined in which he then told me that XXXX shipping was the only way, in which unsaid then nevermind, and to please cancel the transfer of {$50.00} and have it returned to my account. After that, I no longer received any more responses from him, nor am I able to contact him anymore after this. Reached out to chime, explained what has happened, in which they explained that the transfer could only be cancelled within 24 hours of the initial transfer. Since it had been in the timeline of 24 hours, I was then told that she person I had transferred the money to would have to wait 2 business days before the funds would be cleared and available for him to retrieve, by chime policy. However, once the rep. Tried to begin a dispute for this transfer, she said that her computer was down and that there wasn't anything else she nor anyone else could do since the person I transferred the {$50.00} to had already withdrew these funds since chime bank had already released the funds, contrary to heir policy, not only before the 24 hours had passed for me to cancel this transaction, but also before the 2 business days had been established as well. Therefore, chime bank aka " XXXX '' didn't follow their own policy when it comes to bank transfers. I explained this to her rep, in which she essentially told me that there wasn't anything she could do and that I am going to have to forget about the money that was sent to this scammer. P. S. I have an screen shots of the entire convo between myself and this scammer as well as the time and day of the transaction I'm speaking of. Also, chime bank 'supposedly '' records all of their conversations so my convo with the chime rep on Sunday, XX/XX/XXXX should be recorded therefore able to be retrieved. Please reach out once the this situation has been looked into, as well as if you need any of the screenshots, and/or have any questions or concerns about XXXX  matter to please feel free to contact me. Thank you.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/2021 I reported a fraudulent transaction on our checking account to Regions Bank. On XX/XX/XXXX, I found that no action was in process and returned to the bank to complete a claim they then said was necessary to start action. After numerous calls, visits, and letters they finally issued a provisional credit on XX/XX/XXXX. As of this date, approximately four months since this was reported, no final resolution has been provided.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was XXXX  in XXXX and an account was opened in my name while I was away. Bank of America allowed someone to open an account under my name and when I came home in XXXX I tried opening an account and was denied by several banks I then found out I owed Bank of America money so I called because I had closed an account with them before but I didnt owe them any money I was sure there was a misunderstanding. Ups on speaking to them I was informed I was negative over {$300.00} and that the account was closed due to frauds activity. They informed me a check was deposited and the account was closed because the check was fraudulent and I explained to them I was in  XXXX  and had no access to opening an account I asked if I can file a report they took a report of fraud and Said it will take 30 days. I called a months and a half back and they told me that since it was under my name Im responsible that the bank was a victim I told them Im a victim I cant open an account and Ive since realized some credit cards with XXXX  XXXX  were opened too and I owe there too. The Bank of America person told me i not considered a victim because they are the ones who lost money so I cant remove this and im XXXX listed on XXXX  for 5 years. I can prove I was XXXX im sure there are cameras and we can see that the person was not I how can I fix this
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HW Holding, Inc (CA)

i was living in apartment with XXXX XXXX XXXX XXXX and at the end of the contract of one year they not giving me my deposit which is {$400.00} and the need about {$1300.00} from me so i start my small claim against them and i take 2 judgments against them that i need to collect from them {$350.00} and i request many time XXXX to remove the collection but no any reply from them same from Hunter Warfield the collection company please find attached 2 judgments from XXXX Court
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MN)

I deposited 2 checks for {$3000.00} each, for a total of {$6000.00} Via the Chase XXXX XXXX on XX/XX/2021, the funds cleared the issuing bank on XX/XX/2021 On XX/XX/XXXX, Chase bank closed the account at their institution, with no reason or notice given, and returned the funds in the account, minus the {$6000.00} in the form of a cashiers check. upon numerous calls, lasting for hours of hold, call back and repeatedly trying to resolve this issue, at the branch and on the phone. Branch manager tells me i need to talk to Loss prevention, and gives me a number to call, that numbers has a hold time over 2 hours. when you do reach someone the tell you you need to resolve in a branch. I have been to 3 branches and wailed on hold for over 10 cumulative hours, and get conflicting information on how to receive my funds. as of the writing of this complaint, i have been hung up on no les than 6 times while holding to speak to someone about this.
Consumer complaint received 2021-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been back and forth since XX/XX/2020. I have submitted multiple request to have the below inaccurate, misleading, and false reported items removed. I have not been supplied information on what means these were verified by. I requested a signed contract with my signature and dates of my missed payments. The law states in 15 U.S. Code 1681 ( 5B ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. These items were deleted by the other bureaus because they recognized them as inaccurate. My information was impacted by the XXXX  data breach as well as a data breach at my dentist called XXXX XXXX. Please remove these inaccurate and misleading items immediately.
Consumer complaint received 2018-02-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC (TN)

This company has reported a debt to the credit bureaus even though law states I have a right to verification first. I have requested validation for this debt on XX/XX/18 and have yet to receive this. Yet they put it on my credit. Under the Fair Credit Reporting act a debt can not be reported untill it has been properly verified. This would be the second time this company has violated the law with me.
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (DC)

BRIDGECREST, Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 10 business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation.

In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State.

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

In XXXX on XXXX XXXX  of this year 2023 I had over XXXX dollars deposited to my account and every transaction posted after that is fraud. The bank only let me take out a portion on my money and I need it all back.
Consumer complaint received 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANCO POPULAR DE PUERTO RICO (WA)

I have a loan with Banco Popular in XXXX XXXX for a vacation home. They have stated the insurance policy the XXXX XXXX has for the unit does not meet their requirements and have added a policy that chargers me {$200.00} a month for a {$90000.00} loan on a unit with an accessed value of approx {$300000.00}. This is an exorbitant amount of money to charge for a XXXX loan in addition to the policy I pay for through the XXXX that already covers my unit and entire XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am submitting this follow up complaint to you today to forward to you about my issue of being a victim of fraudulent activity. Again, per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on the FTC report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt.
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC (PA)

DEBT COLLECTOR : APEX ASSET MANAGEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX AMOUNT : {$290.00} XX/XX/XXXX I FILED A DISPUTE FOR THIS DEBT. I EXPLAINED TO THE DEBT COLLECTOR THAT THIS WAS NOT MY ACCOUNT AND I DID NOT OWE THIS DEBT. I SENT A LETTER ALERTING THE DEBT COLLECTOR THAT TO PRODUCE DOCUMENTATION THAT STATES THIS DEBT IS MY DEBT. I CALLED TO FIND OUT THE STATUS OF THIS ACCOUNT SINCE I FAXED THE DEBT COLLECTOR PROOF THAT I DID NOT OWE THIS ACCOUNT. AFTER SPEAKING TO THE DEBT COLLECTOR I WAS INFORMED THAT THE DEBT WAS FOR XXXX XXXX XXXX. I HAD A XXXX XXXX ACCOUNT FROM XX/XX/XXXX-XX/XX/XXXX. I SENT IN PROOF THAT I HAD MOVED IN XX/XX/XXXX TO A LOCATION AN HOUR AWAY FROM THAT SERVICE ADDRESS, WITH A COPY OF MY LEASE FOR MY CURRENT ADDRESS DATED XX/XX/XXXX, AND PROOF OF NEW CABLE SERVICE THAT WAS INSTALLED AT MY NEW RESIDENCE ON XX/XX/XXXX. I CALLED XXXX XXXX XXXX TO NOTIFY THEM THAT I WAS MOVING ON XX/XX/XXXX AND ASKED THEM TO STOP SERVICE AND THEY SAID THEY WOULD AND THAT THEY WILL PICK UP THEIR EQUIPMENT. I DID NOT HEAR FROM THIS CABLE COMPANY AGAIN. I PROVIDED DOCUMENTATION TO THIS DEBT COLLECTOR THAT PROVED I LIVED AT MY CURRENT RESIDENT SINCE XX/XX/XXXX AND HAD XXXX XXXX XXXX XXXX. THE DEBT COLLECTOR STATED THAT XXXX XXXX XXXX HAS MY ACCOUNT WITH THEM CLOSED ON XX/XX/XXXX. I INFORMED THE DEBT COLLECTOR I DID NOT USE XXXX XXXX XXXX SERVICE AFTER XX/XX/XXXX AND THAT THE AMOUNT THEY ARE ATTEMPTING TO COLLECT IS NOT MINE. XXXX XXXX XXXX COULD NOT FURNISH PROOF THAT I WAS LIVING AND USING THEIR SERVICES AFTER XX/XX/XXXX AND THE DEBT COLLECTOR SAID THEY WILL CONTINUE TO ATTEMPT TO COLLECT THIS DEBT, EVEN THOUGH I SENT VALID PROOF THAT I COULD NOT HAVE BEEN USING XXXX XXXX XXXX WITH DATES. THIS IS UNFAIR TO ME BECAUSE I SQUARED OFF MY ACCOUNT WITH XXXX XXXX XXXX SINCE XX/XX/XXXX. THEY SHOULD NOT HAVE CONTINUE SERVICE AT MY PREVIOUS ADDRESS AND THEN HOLD ME ACCOUNTABLE FOR THIS BALANCE. THIS IS RUINING MY CREDIT AND IS SIMPLY JUST UNFAIR.
Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I had been called many times about a debt that I wasnt aware of. I was under the impression I payed all my bills from my previous apartment complex and was surprised when I received the phone call that I had a collection. I asked for a breakdown of what the collection was for and not just who it was from and I could mail a check in when I got sent the information. I gave them my address and everything but never received anything. This happened around XXXX XXXX. I was told that regardless if I received the paper or not, the collection would post to my credit. I have yet to receive anything in the mail months later, I told them I wasnt comfortable giving my card info over the phone, and now Im stuck with the record on my credit. I called to explain today and was rudely told that it was going to stay on my credit even if I payed it. The gentleman said what do you want the link to pay online? ( Which I wasnt aware I could do ) I would like to pay the the TOTAL amount do of literally only XXXX dollars and get the account removed from my credit. I feel I was more than reasonable not wanting to give a random person my credit card information. Thank you.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (LA)

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX   XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX****, DEPT OF ED/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. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am writing this complaint because XXXX XXXX has denied my loan modification when I proved that I qualify. The denial is illegal. The Supreme Court has reversed several foreclosures against XXXX XXXX, acting as trustees for investors. They couldnt prove they actually owned the mortgages. Judge XXXX XXXX XXXX excoriated XXXX XXXX for their utter carelessness. I want SPS to stop the XX/XX/2019 sale date. XXXX XXXX must give me a loan modification or stop the XXXX XXXX sale date. What SPS and XXXX XXXX is doing is illegal.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

i was living in apartment with XXXX XXXX XXXX company and at the end of the contract of one year they not giving me my deposit which is {$400.00} and the need about {$1300.00} from me so i start my small claim against them and i take 2 judgments against them that i need to collect from them {$350.00} and i request many time Equifax to remove the collection but no any reply from them same from XXXX XXXX the collection company please find attached 2 judgments from XXXX Court
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAP ONE Account XXXX : XXXX This is not mine. 

2. Identity Theft CAP ONE Account XXXX : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.