davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (SC)

I paid in full on XXXX XXXX and they tell us that they going to send the tittle but we only received a congratulations letter and retail installment sale contract, then we go to dmv they said that they send them a letter since XX/XX/2020 ask them for lien release but Hyundai Financial never response so we call several times ask for lien release a least to get our title from dvm but nothing happens.
Consumer complaint received 2022-11-09
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. (PA)

An account was opened in my name and contains errors on my credit report. XXXX bank refuses to provide any info as my information does not match what is in there system. I have been trying for two weeks and they tell me that they transferred the account to a collection agency and the collection agency says they transferred to XXXX bank. When you call XXXX they are now unsure where the account is and need 30 days to locate status of the account while reporting monthly that this account is charged off on my credit reports.
Consumer complaint received 2019-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NV)

Chase Bank failed to deliver a bill payment check timely to the payee, XXXX XXXX. This resulted in a late payment on a personal loan. Their payment ( as it was sent from their checking account ) was returned undeliverable, and they have not provided sufficient explanation as to why that occurred. I believe they mailed the check to the incorrect address. They believe that I did something wrong. 

Please refer to the uploaded document, Binder2.PDF, which includes a letter, Chase Bank Complaint # 2 , along with its supporting documentation.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (NE)

The first time I heard of this debt was when got an alert in a change in my credit score. I looked up the name of the new account that was showing up on my credit report. It pointed me to a company called Hunter Warfield XXXX XXXX XXXX XXXX XXXX I called the number on the website and got connected to someone who knew the details of my " case ''. Apparently the charge orriginates from ~ {$300.00} of cleaning fees that were not paid. 
I asked for any documentation they have of the debt and I haven't recieved any reposnse yet. I haven't been able to get in touch with them since.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (CA)

I received a card from Netspend XXXX XXXX XXXX XXXX, TX XXXX. 
I never applied for this card. It arrived with instruction for activation. 
I DID NOT REQUEST OR DESIRE AN UNSOLICITED Credit CARD.
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MD)

On Monday, XX/XX/2022 my bank account with chime bank was hacked through my email, one of chime banks employees updated the phone number on my account without my permission, or verification.. the email was sent from my email on file but the employee asked the hacker to send verification which they couldnt but yet the employee still went ahead and updated the information on my account and I became locked out of my own account due to them updating this information. The hacker was able to change my email and number on file and attempt to steal my money, Ive been emailing chime trying to get my account back since the XXXX and it is now the XXXX, they stated they closed my account on the XXXX, but now wont respond to my emails or update me on any information involving my money i had in my account, I honestly just want to know what is going to happen with the money i had in that account and when will i get it but I can not get a response from this bank, but they were quick to respond to a hacker, ive sent photos of my id, and pictures of me holding it with the days date MULTIPLE TIMES and even provided my last 4 of my social and still cant seem to get through to anyone, i am tired and this companys needs to be shut down and i want my money.
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (NY)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX, for committing XXXX. I have never given XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have sent in a XXXX XXXX payment coupon to company in XX/XX/2022. Company did not apply my payment and closed my account without giving reason or notice. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid, and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. XXXX requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to pervious response company did not answer my claim. According to the payment slip, your company states that it accepts payment coupons. Which seem to be false information. 
This brings a lot of confusion and sounds like fraud actively have occurred by you company. 
The company stated I must pay in XXXXXXXX XXXX and I know that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the currency of a nation in the form of paper moneyXXXX XXXX XXXX  is considered valid for payment of any financial obligations. XXXX XXXX is a form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is XXXX XXXX but essentially it is anything which when offered ( " XXXX XXXX ) in payment of a debt extinguishes the debt. The act of XXXX  the payment in XXXX XXXX  discharges the debt.
Consumer complaint received 2021-11-12
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: CITIBANK, N.A. (LA)

I have a citicard and in XX/XX/2021 we had to evacuate for Hurricane Ida. I was spammed somehow in the process of making a hotel reservation and was double charged. Immediately called the hotel and they canceled the reservation. We ended getting our power restored and did not need the hotel. I called and they confirmed both reservations were cancelled with no cancellation fee. I have documentation to prove this. Well The company that initially charged me XXXX XXXX XXXX TX has refused to refund the charge. I have proof that everything was canceled with no fee and have provided that proof. Also have an issue with the fact that Citicard says that I can go view the documents in my statement and notices and there is no document there to explain why I am responsible.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX made a stock suggestion to purchase XXXX XXXX  XXXX XXXX XXXX. He accepted a check written for 16k that was made out to XXXX XXXX. He also owed me 4K that he said he would add to that account which would be a total of 20k investment. The stick certificate he gave me looks to be false. I never received any statements of that investment.
Consumer complaint received 2017-10-10
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. (MI)

I AM FILING THIS COMPLAINT BECAUSE EQUIFAX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS/INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS THE 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS./ INQUIRIES UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICIH CAN NOT VE VERIFIED THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRANSWORLD SYSTEMS INC (TX)

Working with XXXX XXXX XXXX XXXX XXXX I have been disputing some checks that were written that I had no idea existed until my tax return was seized. 

I submitted an affidavit that this was not me. These checks were written in XXXX. I requested dispute packet & submitted signature examples, ID, XXXX & I have attached the email response after they did a supposed investigation. 

The debt is being processed by Transworld Systems , Inc., ( TSI ). & it being so long ago the debt is enormous. I never received anything in the mail about this debt prior to having my tax return seized for XXXX in the amount of {$1500.00}. 

I did not write these checks in question & I was NEVER informed about them until this year.
Consumer complaint received 2023-01-12
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: Williams & Fudge, Inc (PA)

CEASE AND XXXX XXXXXXXX XXXX XXXX XXXX to a willing person, it is not a wrong XXXX XXXX XXXXXXXX XXXX company this is a written request for you to cease and desist all forms communication with me effective immediately.

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


Furthermore you have no jurisdiction or authority to collect on this allege debt. 

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You XXXXXXXX XXXX XXXXXXXX XXXX knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I received a payment yesterday from my XXXX XXXX company for auto injury via Venmo. I tried to instant transfer the money to my XXXX XXXX account. After several attempts to send money instant transfer I was directed by a Venmo manger via phone her name was XXXX XXXX to try various steps to get my money. When all steps didn't work she told me the only way for me to get my money is to have money sent via bank eft regular transfer which will take 1-3 business days. Fast forward to the next day I get an email from Venmo that says my account is being frozen and that my money is also on hold. Venmo has no legal right to freeze my account or money when everything that was done on my account was directed by a Venmo manager. I even have an email from that same manger because of all the inconvience I received from Venmo and its service.
Consumer complaint received 2022-04-20
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and Account name : XXXX XXXX XXXX XXXX, Account # XXXX & Account Name XXXX XXXX XXXX XXXX, Account # XXXX & Account Name : XXXX XXXX XXXX XXXX, and Account # XXXX & Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A.Sectio
n 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-12
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. (PA)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the 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. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Collection : ( Original Creditor : XXXX XXXX ) XXXX {$0.00}
Consumer complaint received 2017-10-10
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. (NC)

Fraudulent accounts/ XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX bank XXXX/XXXX/XXXX, Fraudulent inquiries, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX r & XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, tXXXX XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (WI)

On XX/XX/2022 I contacted IC Systems to incur about an account that was placed with their collection agency. Original creditor was XXXX XXXX and XXXX. I was advised the debt could be settled for deletion in the amount of {$2000.00}. I advised the duration of time offer was valid, no expiration date outside of the payment in full was due within 30 days of first payment. Advised I would review payment online when funds were available to ensure full amount could be paid at XXXX time to receive the settlement. The call on XX/XX/2022 lasted in duration of XXXX minutes at XXXX and spoke with XXXX. I returned a call on XX/XX/XXXX to make full account payment for the settlement of deletion and payment of {$2000.00}, confirmed amount with rep I spoke with XXXX. She advised no deletion was available now or ever. Advised that I was advised that was available for account. I requested her to confirm with supervisor and listen to call recording from XX/XX/2022. She placed me on a two-minute hold and stated she spoke with a supervisor and listened to a XXXX minute call in XXXX minutes. I advised that was not possible and their company advised of deletion and needed to honor their provided settlement as it was advised on a recorded line. Organizations are responsible to their consumers and consumers are to rectify the accounts as agreed upon.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: MoneyLion Inc. (GA)

This company advertises overdraft protection and no overdraft fees returned an item that would cause the overdraft. When I requested that an item be paid the company refused even though I had a deposit in process in the account for the next business day. Very deceptive advertising practices.
Consumer complaint received 2022-08-04
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: Santander Consumer USA Holdings Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
s/items which do not belong to me or 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
Consumer complaint received 2016-09-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I asked Wells Fargo to cancel a savings accounts that I did n't need. They were created after they automatically changed a savings account to a checking account. They converted my unwanted checking account back to a savings account. However, they also created another savings account at the same time. So I now have XXXX savings accounts that I do not want. XXXX is a business savings account. I went into a bank branch and asked them to remove the accounts and they said they did. I still have all of the accounts several months later.
Consumer complaint received 2022-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C. (AZ)

I XXXX XXXX received a debt collection notice from a XXXX XXXX XXXX of Gurstel Law Firm P.C. stating that they were attempting to collect an alleged debt. Pursuant to Title 15 U.S.C 1692e ( 3 ) no debt collector shall give the false representation or implication that any individual is an attorney or that any communication is from an attorney in regards to the collection of a debt. Further more if so it is illegal for an attorney or official of the court to act as a debt collector. As a consumer this is very misleading to me.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VT)

I sent a letter on XX/XX/22 to XXXX XXXX XXXX regarding credit inquiries. I have not applied for any credit and I have placed fraud alerts on my account. If someone tries to open credit I will be notified. I tried reaching out to the company to resolve this issue, but I have not heard anything back and it's still reporting on my credit.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (NY)

I am contacting you regarding my credit card account with Chase bank Acct ending in XXXX. I was 5 days late on my XX/XX/XXXX payment and Chase cut off my card and required me to make a payment in advance for the next month without notice. I have had this account since XXXX and don't recall being late on payments ever until now. I have NEVER heard of a company cutting off your card for 5 day late payment and requiring you to pay the next month in advance and to top it off I have a Checking account with Chase with direct deposit. I could not have imagined that I was in desperate need away from home somewhere and try to use this card and it's cut off for 5 day late payment and I was forced to pay the next month in advance before the card would be reinstated. I don't believe this should be done to any customer especially a loyal customer who is late once in several years. I am in disbelief that this even happened, I have several accounts with other financial institutions for several years and have NEVER had this type of foolishness happen. I am disgusted and shocked.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2021, the mobile phone received a text message confirming a purchase of a chase credit card. I didnt know it, so I sent a text message to reject the transaction, but I checked the bill and found that a previous purchase had been made successfully. The consumption amount was {$1200.00}, so I Contact Chase customer service, they said they would investigate, the amount was temporarily removed, but after a month, the charge was recharged, I contacted customer service, they asked to submit the alarm record, after I submitted it, they said it would take 90 days to investigate, and the result is now all 9 months have passed and no investigation results have been released