davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

Was contacted by representative from I C Systems on XX/XX/19 claiming to be a representative from XXXX XXXX XXXX. She never mentioned her actual companys name but claimed that I owed {$87.00} to XXXX XXXX XXXX and that once I paid the {$87.00}, the account would be settled and not reported to the credit bureaus. I paid the fees and assumed the account was closed. Two days later I was alerted by XXXX XXXX that the account was reported to the bureaus as delinquent and that I owed {$240.00}. I immediately disputed the negative item on my reports, disputed the {$87.00} payment with my bank as a scam and filed a report with the consumer finance agency. I C systems uses deceptive practices and fraudulent misrepresentation to convince consumers to make payments on accounts to prevent negative credit impacts. DO NOT PAY THIS COMPANY.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Mcburberod Financial, Inc. d/b/a SeedFi (MT)

I have been making on time payments for bout 6 months now and still am unable to get a score, I have tried disputing incorrect info and still nothing ....
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (SC)

I signed up to be a XXXX XXXX today but instead of being cleared via background screening to proceed in the hiring process, inaccurate information reported by the company Checkr to XXXX XXXX Is pending per further investigation. Checkr wrongly reported that I had a criminal misdemeanor charge when in actuality the incident in question was an accident I was involved in that did not lead to a XXXX XXXX. This should have been under XXXX  violations ; not criminal. I was charged with a XXXX * MINOR* XXXX which was for XXXX  ( this has to do with maintaining proper distance between vehicles ). All simple traffic tickets in the state of ohio are considered minor misdemeanor. I did not even receive any points on my driving record. Date of accident XX/XX/2017. Disposition date is XX/XX/2017. Case number XXXX. I have screen shot the case directly from the public court records and will upload the files.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Karma (TN)

I applied XXXX cards for XXXX shop but they rejected me with out any check or any control immediately and I lose my credit score This is not fare they did not check anything my current income or others.. I am complaining about XXXX Credit cards.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN
Consumer complaint received 2021-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/21 i had an emergency and needed funds from my account and chase just closed and the employee was at the door but wouldnt let me in. I needed cashiers checks for a lease signing so it was an emergency. They charged me {$69.00} on my debit card from pulling the money at another bank and refuse to reverse the fee. I called them twice and spoke to and they wouldnt reverse it and i was unaware of this fee as my account allows fee reversals on the first 4 non chase atm fees.
Consumer complaint received 2021-09-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report. The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Account number XXXX LISTED with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2022-04-25
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. (CA)

I SUBMITTED MY DISPUTE TO ALL THREE CREDIT BUREAUS BY MAIL LAST MONTH AND I STILL HAVE NOT RECIEVED AN RESPONSE REGARDING MY ISSUES WITH TWO ACCOUNTS. I WOULD LIKE TO SEE IF THE CFPB CAN SEE WHAT THE PROBLEM IS AND MAKE THEM PROCESS MY PAPERWORK BECAUSE I'M TRYING TO BUY A NEW HOUSE. ATTACHED IS A COPY OF EVERYTHING I SENT.
Consumer complaint received 2021-07-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (LA)

I opened an online savings account with Marcus by Goldman Sachs on XX/XX/2021, I transferred {$1000.00} from my personal bank checking account and {$8000.00} from my savings account ( {$9000.00} total ) on XX/XX/XXXX. The money left my personal bank account on XX/XX/XXXX. I went to log in my Marcus account on XX/XX/XXXX to find that they locked me out of my account. I called Marcus customer service and they said they don't know why it's locked and nothing can be done until Monday XX/XX/XXXX because the team that unlocks accounts isn't here on the weekends, also they said they didn't receive my {$9000.00} from my personal bank. So I call on Monday, they say they are force closing my account and I can't get my money back that I sent over, they told me they never got {$9000.00}. I called my personal bank, verified the account and routing was correct and they said nothing can be done because the money left the account and is in the Marcus account. On XX/XX/XXXX Marcus said they received the {$9000.00}. So they closed the account on XX/XX/XXXX and my money got sent to a closed account. That money should have been rerouted back to me the next day ( according to my personal bank ). The representatives at Marcus would not tell me why they closed my account, when or how I will get my money back. They just kept saying " we can't disclose any information regarding the matter '' for every question I asked, I was transferred to several supervisors and they all kept saying they can't tell me anything except the account is closed and they will not send my money back, no transfers can be made and they can't transfer any money back. Marcus told me to have my personal bank recall the funds, they said my personal bank will have a procedure for getting my funds back. My personal bank said that's not possible, they don't know why Marcus would tell me that and Marcus needs to send the money back because they have it and they closed the account. I keep getting the run-around I have been calling my personal bank and Marcus everyday, several times a day to find out where my money is and it's XX/XX/XXXX and I still have no answers or my money back. This is theft. Marcus bank literally stole my money. They should not be allowed to operate. They need to be investigated, how can they treat people like this?! I have bills to pay, this is causing me a lot of distress.
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (CA)

I applied for and received an Apple Card that is managed by Goldman 's with software written and updated by Apple Corp.

I've been making regular payments and upgraded my phone. I went to make a payment this weekend and found that all tools have been disabled and my account locked for security purposes. I have verified my identity within the XXXX wallet and reached out to their customer service through messenger to ask what happened. 

I'm told that they can lock my card at anytime without warning and there is no timeframe for them to contact me. I don't know why they would need to contact me or what they are reviewing. I can only assume I tripped an algorithm and am now in a system with no human at the helm. I am female and this is reminiscent of the issues a year ago where it was found that Goldman 's algorithm treats women differently than men. 

I can still use make charges to the card but have been locked out of all digital tools. Nobody can tell me what I can and can not do. It's a walled experience and frustrating at that. I never received a notification in XXXX, a warning, an email. I only discovered it's status when I went to pay it off. 

I'm applying for my first mortgage soon and did not expect this experience from Apple.
Consumer complaint received 2021-03-23
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: CARMEL FINANCIAL CORPORATION, INC. (IL)

Ive pulled my credit report & noticed a few unauthorized hard inquiries on my credit profile that wasnt to my knowledge nor do I have any business with these companies nor did I give any consent to these companies to run my credit. My assumption is someone had gotten my personal information and tried to apply for something against my consent & knowledge. The INQUIRIES IM REFERRING TO IS : Company : Date of Inquiry : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX. XXXX 4. XXXX XXXX ( I contacted these companies and they werent able to verify my information nor did they even have my information in their system and recommended me to contact the credit bureaus to remove these inquiries but as I contacted the credit bureaus they claimed that I need to file a police report to get the inquiries removed which I did and I do have the police report number if requested ( will be included in attachments )
Consumer complaint received 2022-04-25
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. (CA)

I SUBMITTED MY DISPUTE TO ALL THREE CREDIT BUREAUS BY MAIL LAST MONTH AND I STILL HAVE NOT RECIEVED AN RESPONSE REGARDING MY ISSUES WITH TWO ACCOUNTS. I WOULD LIKE TO SEE IF THE CFPB CAN SEE WHAT THE PROBLEM IS AND MAKE THEM PROCESS MY PAPERWORK BECAUSE I'M TRYING TO BUY A NEW HOUSE. ATTACHED IS A COPY OF EVERYTHING I SENT.
Consumer complaint received 2021-06-17
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC (TX)

Flagship Credit Acceptance have called over 5 times in a single day. They leave at least 2 messages a day. On XX/XX/XXXX they called 5 times and left 2 messages. Even when payments are set in the system Flagship agents will still call and then apologize because there is a payment in the system. The interest rates are extremely high and they are overcharging. The car that I have financed with them isnt due to be paid off until XXXX and I got the car in XXXX. Payments are $ XXXX  monthly.
Consumer complaint received 2021-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

In XX/XX/2021, I had consent to a complete background screening for employment. Only then was it brought to my attention that I had a multitude of debt and arrests I had absolutely no knowledge of. Due to a private XXXX XXXX situation, 10 years ago, I went into hiding and refrained from anything that placed my information on public record. During this period I had not asked for any credit from anyone cause it placed my safety at risk. I immediately obtained legal counsel and began researching all of this fraudulent activity which began nearly 10 years ago. I filed an identity theft report with law enforcement and the Federal Trade Commission where I received instructions on the recovery process. A fraud alert was immediately placed on my account to prevent further theft and new fraud accounts. Also, all of the necessary documents needed to dispute these fraudulent accounts, were sent via certified mail to the credit bureaus. Under the Fair Credit Reporting Act 605B, the reporting agencies shall remove and block any information from a file that is a result of identity theft. The credit bureaus are alleging that Conns Credit was informed of my documented report of identity theft but instead continue to report this debt as valid ignoring the proof in my documentation. I have never done business with this agency or any creditor affiliated. They do not have anything indicating that I authorized use of my identity to receive any services. I have never provided any forms of identification or signed any contracts to validate this debt. Therefore, ignoring my requests and continuing to pursue payment on a fraudulent debt is extremely unfair, illegal and a bad business practice. I am currently working on obtaining video evidence to bring criminal charges to the person responsible whom I believe is a close relative. In the meantime, this agency needs to honor my rights as a victim and remove this debt from my name and cease all collection efforts from me as I am not responsible nor have I participated in incurring this debt. I believe each company has a process on dealing with fraudulent accounts as they would also have extensive means to verify one 's identity prior to opening these accounts. This has been an overwhelming process and I'd appreciate it if my rights were honored and this debt is removed from my account permanently.
Consumer complaint received 2019-04-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ditech Financial LLC (NJ)

In response to Ditech 's letter, I have included the FTC Identity Theft Report and the Police Report in order for them to investigate further as they stated. As you can see, Ditech 's Mortgage Statement and Ditech 's Insurance Policy names me as the borrower and Ditech as the Lien Holder. Ditech has created a fraudulent account using my personal identification to unjustly enrich themselves. By creating a fraudulent account with my name and without my authorization, Ditech is in violation of the False Claims Act and a conspirator to defraud the U.S. Government. 
Because discharges of debts and new mortgages are not publicly recorded, these are excellent opportunities for Banks, Lenders, Mortgage Servicers, Foreclosure Law Firms and Title Companies to create fraudulent documents when needed to defraud the U.S. Government, Insurance Companies, Investors, Homeowners and the U.S. Tax Payers. A perfect example of this is that my property was previously and currently listed on XXXX for sale by XXXX XXXX XXXX. In XXXX XXXX loan purchasing sale contract in Addendum A it states : ( 5 ) No Recording. Buyer agrees that neither this Contract nor any notice or memorandum hereof shall be recorded in the Public Records of County or State where the Property is located or any other public records. Buyer shall constitute a material breach by Buyer of this Contract and shall entitle Seller to invoke the defualt provisions hereof. 
XXXX has stated that they received their loan file from Ditech. Both XXXX and Ditech have been receiving HUD disbursements in violation of the False Claims Act. In reference to my loan and subsequent foreclosure and eviction, Ditech and XXXX have violated the False Claims Act, SEC Laws, the FTC, the Fair Debt Collections Practice Act, the Fair Foreclosure Act, the Dodd Frank Act, the National Mortgage Settlement, committed perjury on the Courts and Bankrutpcy Fraud. Submitting fraudulent documents and omitting documents to the court to obtain a judgment in your favor, makes the basis for any case, weather ultimately favorable or not, fraud and the case itself and the documents  contain therein still fraudulent. 
I am XXXX XXXX due to an accident and suffer from XXXX XXXX as a result of my injuries. This disturbing process of foreclosure and eviction has exasperated my already painful and XXXX medical conditions and caused new ones to develop. My husband has XXXX  XXXX XXXX and also suffers from XXXX XXXX, and is seeing a XXXX for XXXX due to these false claims, the foreclosure, and the imminent eviction from our home. The results stemming from the fraud that has been committed against our family including our XXXX children, have been devastating, both in mind and body and caused tremendous emotional distress.
Consumer complaint received 2021-06-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

I am concerned that I am being targeted due to being a minority and my credit limit has been decreased without notice the second year in a row. I have not missed a payment with Discover and have been keeping my balance at 50 % usage for some time now. I attempted to use my card today and it was declined and when I checked my balance online my card limit has been not only reduced but caused the card to be over the limit. This action is not only unfair because of the harm it can do to the credit score but it was extremely embarrassing not to purchase items otherwise I would have been able to. I spoke with a representative on XX/XX/XXXX19 at XXXX in which I was told the department that would be of assistance opens at XXXX. I called back and spoke to the department that was told could be of assistance at XXXX and they informed be that the credit line was decreased and the notice is still in the mail. Unfortunately, they were not helpful in resolving an ongoing issue that I believe is directed towards minorities. Again, I have not missed a payment since I received the credit card and to be treated in this manner is completely unfair.
Consumer complaint received 2021-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (MN)

I am repeatedly receiving phone calls at XXXX XXXX and XXXXXXXX XXXX from Hunter Warfield , Inc for a debt from XXXX XXXX XXXX XXXX XXXX XXXX for {$6200.00}. The account and debt is not my account or debt, and is the result of identity theft. Hunter Warfield Representatives is steady calling me, annoying and harassing me, using abusive, profane and vulgar language against me and threatening me with violence and death for an and debt thats not my account or debt. I am a victim of identity theft. Hunter Warfield has me in fear of losing my life. They have frightened me with their illegal, unethical and unlawful business practices.
Consumer complaint received 2019-04-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

I opened a Wells Fargo personal savings account on XX/XX/XXXX with a cashiers check in the amount of {$240000.00}. I took this action because the bank offered a savings rate of 2.08 which was much higher than other banks. About a month after I opened the account I stopped in the branch where the account was opened because I had not received my first statement. I received a statement from branch personnel and noted that I was credited with interest in the amount of {$210.00} for the period from XX/XX/XXXX to XXXX. To confirm that the interest calculation was correct I did my own calculation which was as follows : {$240000.00} X 2.08 which results with the amount of {$4900.00}. Then dividing that amount by 365 days I derived a daily amount of {$13.00}. I then multiplied that amount by 17 days ( XX/XX/XXXX to XXXX  and the result was {$230.00}. My calculation is {$13.00} less than Wells. I have had several conversation with Wells branch mgmt. and personnel with no resolution. And two weeks ago this matter was referred to the corporate Resolution team and have heard nothing from them either. My greatest concern is how many other new Wells Fargo customers are being affected. Given Wells recent reputation anything is possible.