davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (MA)

YOUR COMPLAINT My claim and rebuttal has both been denied by my chime bank account dispute team. I asked that everything be looked over properly. On XXXX I purchased two shoes from an online store XXXX ( XXXX XXXX ) This company is super sketchy doesnt seem legitimate because they have since changed their website and email. the seller has being very deceitful. I have attached the tracking number they have mentioned with a screenshot of when it was delivered XX/XX/2021 I have also provided my screenshot of the tracking number I gave the seller that shows the items were to delivered back to them on XX/XX/2021. Along with that I have attached the screenshots of the conversation through email with the seller and I which my return was accepted and I was provided the return address and guarantee a full refund. Once I sent the item back I was ignored and later blocked I have provided that in the screenshot as well. It will also show I asked for a refund on XX/XX/2021 just days later after I received the items. No where over or close to 30 days. Shockingly chime has denied my claims when I have shared all supporting evidence and documentation. I am reaching out because this is the second time they have denied my claim when goods/services were paid by me and not delivered by the seller. the items were RETURNED because I was sent the wrong items The original purchase was XXXX in the amount of {$260.00} for the items sent not being a described. The reference number for this first claim is ( chime ) # XXXX. I then was finally able to get a return address from the seller and asked to pause the dispute ( XXXX ) I returned the items to the return address the SELLER EMAILED ME. The tracking number for the returned items is # XXXX. It was delivered successfully on XX/XX/2021. However I never received a refund so I filed a new claim for the SAME ORIGINAL TRANSACTION ( XXXX ) {$260.00} on XX/XX/2021. The seller has both the items and my money.
Consumer complaint received 2021-11-24
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. (MO)

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (FL)

On XX/XX/2021 I was arrested in XXXX XXXX jail and I was incarcerated until XX/XX/2021. During that time my XXXX unemployment card way2go card had {$2800.00} on it. Someone I used to rent a room from stole my card info and used it numerous times at XXXX XXXX XXXX and XXXX to pay bills and make orders in their own name and also claim my weeks while I was in jail. When I was released on XX/XX/2021 I discovered that my card was used and I reported it to the way2go card and them filed a claim and also made a police report to the XXXX XXXX XXXX XXXX XXXX. I followed up several times with the way2go fraud department to make sure they received all info I sent in and was told yes and then around XX/XX/XXXX XXXX was told it was denied due to them not getting the police report and proof of incarceration papers I sent and to resubmit to possibly reopen case and then was told that was also denied. They made the mistake by not giving me the info that they didn't receive my police report and proof of incarceration papers when I was told they did so the investigation was missing important documents made to do a proper investigation I lost {$2800.00} and my weeks were claimed the proof was I was in jail and the person paid personal bills with the card
Consumer complaint received 2020-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (PA)

My credit score dropped 62 points due to CAPIO PARTNERS LLC. I have never heard of this company and do not understand what debt they may ( if any ) be trying to collect. I have called the number listed online ( XXXX ) and can not get through to a live person, it transfers to voicemail on both HR and the Operator option. Never received a call back. I was transferred through to an operator last Friday, whom was absolutely rude and disregarded any concern for the situation, she put me on hold for several minutes until I finally hung up. I was denied an apartment in Florida due to the credit drop and need to resolve this ASAP! Very unprofessional! 62 point drop over what!? Please explain!
Consumer complaint received 2022-04-11
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXt # XXXX, XXXX, Account # XXXX, XXXX, Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-21
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. (FL)

We have submitted a letter from Equifax indicating that they were deleting seven hard inquiries from our credit report. Instead of reading the letter they continue to offer us paid subscription services as a solution to our complaint We do not want to pay for Equifax services we want them to do what they stated they would do in the attached letter -- DELETE SEVEN ( 7 ) UNAUTHORIZED HARD INQUIRES.
Consumer complaint received 2021-09-21
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (FL)

I got a loan modification with a new balance of {$180000.00} XXXX. I have a mortgage statement showing balance is {$160000.00} for one loan and {$0.00} balance for the other loan XXXX. Both loans have same initiation and maturity dates. Only one loan shows {$160000.00} balance due on credit reports yet servicer Real Time Resolution still sends collection letters for the {$0.00} balance loan not on any credit reporting agency.
Consumer complaint received 2021-09-22
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. (PA)

I submitted disputes and a FTC report for fraudulent accounts and hard inquiries on my credit report. 

XXXX - Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$330.00} XXXX XXXX {$650.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX XXXX Inquiries 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 Accounts XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} Equifax - Accounts : XXXX XXXX {$650.00}
Consumer complaint received 2022-08-03
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: CITIBANK, N.A. (MA)

In accordance with the fair credit reporting act Macys acct ending in # XXXX for the months XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 states I have right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer agency can not furnish a account without written consent.

15USC 1666B : A credit may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-24
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself. This company is currently showing 30 days late for the month of XX/XX/2020 in Equifax. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (AL)

You guys have closed the earlier complaint against XXXX for not removing a XXXX collection after I paid it in full and they have a letter from the collection agency proving its paid in full and is to be removed. I just looked on XXXX page. I signed in and this is what is on there. Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$XXXX} Amount {$XXXX} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # XXXX Creditor Classification XXXX Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX So the amount is still there. The report is still there but they told you that it was taken care of. No its not. If you will notice the full amount I owed is still on there. They do not care. They are going to do what they want to do and to heck with the rules and regulations. Im fed up with them and demand they remove it immediately. I will get a lawyer. Its ridiculous as if life is not hard enough as it is people have to deal with junk like this.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I have been using my Sam's/Synchrony card for a number of years. My husband passed away on XX/XX/2021. I called the card number and reported that I had 4 fraudulent charges from out of the country. In the process, because my husband was the primary cardholder, they sent me to their probate department, closed my account, and told me I would receive information in the mail about what to do about the fraud. 
This happened on XXXX XXXXXXXX XXXX 

On XX/XX/2021, I received notice that Payments that I had made using Sam 's card had been taken back by the credit card company. Upon talking with Synchrony, I discovered that 2 payments had been taken back. One payment was for business insurance and had been paid on XX/XX/2021 and the other for health insurance that had been paid on XX/XX/2021. I pay my balance in full every month, so these 2 payments had been paid by me approximately 2 cycles ago. I was given no explanation for this. I believe this to be fraudulent. Why would a company go back 2 months and take back money that had already been paid off? The reason is clear to me. My husband died and they were afraid they would not get the current amount due, so they resorted to sleezy tactics to make sure they would not lose the money. I can tell you as a lady that just lost her husband and now has to spend countless hours on the phone apologizing to insurance companies for something that was not my fault, but the fault of greedy, dishonest credit card issuers, this should never be allowed. We have a high credit score and have always paid our bills. They had no reason to think they would not get paid. This is a disgusting way to treat people. Please investigate. I hope charges can be filed. I am reporting this to every agency that I can. So dishonest!!!!
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: XOOM CORPORATION (CA)

My name is XXXX XXXX XXXX I have noticed money missing from my XXXX XXXX XXXX accounts for the last year but was unable to pinpoint where the funds were going exactly. I received an email stating that there was an account in my name with a company called Xoom, I have not opened an account with XOOM. Apparently, the funds are to be going to Alaska? and then I received a check for {$5.00} from XXXX XXXX for service fees that were assisted before using the account. Once again I have NOT opened an account with XXXX XXXX. Someone is differently using my name and information to open accounts and steal from me. Or XXXX knows what else!! I also have ordered over XXXX $ in products from XXXX and have not received anything in the mail, so now I have to contact them to clear that up. Unfortunately, I have tried once and was unable to get into my own account. Please help me my address is XXXX XXXX XXXX XXXX, ca. XXXX home phone XXXX thank you sincerely XXXX XXXX XXXX
Consumer complaint received 2022-08-23
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: ACIMA CREDIT, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

XXXX XXXX, Acima Credit, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX  ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding Acima Credit, XXXX XXXX, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.
Consumer complaint received 2021-11-23
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau from XX/XX/XXXX to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my Inquiry are continuously reported on my XXXX Credit Report. That means XXXX failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, Sun Trust closed my checking account and confiscated over {$5000.00}. They have been holding my money claiming that my account is under review. I have spent over 3 hours on the phone with them trying to get my account status and when my money will be released. Despite talking with 7 supervisors in their fraud department, no one is willing to give me any information. It has been 20 days since they froze my account. I desperately need access to my money!!
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I have written to this company XXXX times!!!!! They have never answered my letters. I also faxed them XXXX times. 
Finally they sent a follow up to you today and claimed this case is CLOSED. BUT IT IS NOT CLOSED AND SHOULD NOT BE CLOSED. 
They are trying to collect money for insurance on a House I DO NOT OWN. 
I have told them I do not own it. XXXX times over and over .... I have asked them to check with the title company to verify this. XXXX XXXX XXXX XXXX XXXX XXXXTheir response was to send back a copy of the recorded deed stating that it is valid. IT IS NOT VALID. IT was reconvened and taken off the property on XX/XX/XXXX!!!!!!!!!!!!!!!!! 
LOOK AT THE ENCLOSED DOCUMENT!!!! 
It is a FULL RECONVEYANCE!!! THAT MEANS they do not have ANY security instrument in the property!!!!!!!! ZERO! 
There is NO VALID deed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! So as such they CAN NOT charge me for insurance on a house that has NO DEED. 
Just because they see a deed in their file from XXXX, does not make it a VALID deed!!!! 

IT WAS RECONVEYED!!!!!!! XXXX. 

GO LOOK IT UP you XXXX 

This house was sold and is no longer owned by me. the new buyer had a full title insurance policy. THIS LENDER HAS NO RECOURSE!!! Are they stupid to think they still have a deed. Well here is the proof attached. A FULL RECON!!! hope they know how to read, because it doest get any more clear cut then the words FULL RECON!!!!!!!!! 
There is still a note which I am paying for principal and interest. I am not disputing my debt. I am only disputing the need to pay for insurance on a house I do not own!!! They have fully reconvened any security interest in the property. They have no interest to protect. They can not ask for any insurance to protect a house that they DO NOT HAVE a valid security interest in. that is no different than me placing insurance on a random strangers house and making them pay me back. They are giving me no choice and holding me hostage for money I DO NOT OWE!!!!! and money they have no legal right to collect. maybe they would rather me hire an attorney and sue their XXXX!!!!! 
This madness needs to stop.
Consumer complaint received 2021-09-21
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: CL Holdings LLC (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Jefferson Capital Systems , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )