davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MD)

I received a letter containing a debit card from Chime with banking services provide by XXXX XXXX, XXXX. I never created an account with Chime. When you call their customer service number there is no option for contacting their fraud department and I had to click around the automated system and press 0 for 10 mins until it finally getting in a que to speak to a customer service agent who then had to transfer me to their fraud department. The Chime representative said that they account had not been activated and that they closed it, and that another account would not be able to be opened with my information, but refused my request that they mail me confirmation that the account was closed. The only confirmation I have that the account was closed is a ticket number for my call ( ticket # XXXX ). The agent also started a fraud prevention speak about setting up notifications with the credit bureaus, but I have already done this and setup a freeze on my credit reports with the three major bureaus XXXX, XXXX, and XXXX. 

It is absurd that this " financial technology company '' seems to make it intentionally hard to reach their fraud department and will not mail me confirmation that they have closed this fraudulent account and that no more accounts will be opened using my information.
Consumer complaint received 2022-10-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

1 Failed to timely respond to loan modification application after forebearance 2 Not reported to the consumer credit agencies Complaint as disputes and in violation of the Truth in Lending Act, Federal Collection Debts Practices Act 3 Falsely said application was missing information that was already provided 4 SLS Failed to properly apply and account for payments on mortgage Made 3 timely Trial Payments in XX/XX/2022 - {$2000.00}, XX/XX/2022 - {$2000.00} and XXXX XXXX {$2000.00}. I t was mis applied and does not show as mortgage payments 5 SLS failed to respond to a qualified written request 6 SLS initiated aggressive collection efforts that included placing daily harassing collection calls to XXXX and sending excessive written correspondences to the XXXX demanding payment to cure the default. during the forebearance period 7 suffered grave consequences of the improper denials of standard modification 8 SLS acted negligently in denying loan modifications t, at a time I was struggling, and failed to uphold its duty under the Home Affordable Housing Program ( HAMP ) to issue modifications which I qualified Fraudulent concealment and intentional infliction of emotional distress accusations of making unauthorized changes to the mortgage loans The filed modification, which was part of a loan modification trial process at XXXX XXXX, lowered the couples monthly mortgage payments from {$3100.00} to {$2200.00} While paying a few hundred dollars less each month might be nice, buried deep in the terms of the modification was notice that the mortgage had been extended to 40 years.
Consumer complaint received 2020-01-14
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: CITIBANK, N.A. (NY)

In XX/XX/XXXX and XX/XX/XXXX, were made 2 transactions with Citi Dividend Card ( Last 4 Digits XXXX ). On XX/XX/XXXX 1st transaction was made for the sum of {$820.00}, and I was not aware of this transaction until it was put on my account under ( Credit Card # XXXX ). On XX/XX/XXXX Citi Fraud Department sent a text message to my phone IF I did a purchase for {$590.00} from Card ( Last 4 Digits XXXX ). I responded that its not my card and there was no transaction made by me. My card ( last 4 digits XXXX was blocked ). And Citi sent a new card in XX/XX/XXXX ( last 4 digits XXXX ). And transaction for {$590.00} was resolved as not mine Citi Dividend Last 4 Digit XXXX is Master Card isnt mine. 

The card I had first Last 4 Digits XXXX is Visa. 

On XX/XX/XXXX I was at work from XXXX to XXXX, in XXXX, Documents included Purchase was made in XXXX, NY XXXX XXXX After Citi card Security Investigation,  which in my opinion was not made properly, the sum of {$820.00} was added to my account ( Last 4 digits XXXX ) I was proving that Citi Card XXXX isnt mine, and I couldnt possibly be at work and in XXXX at the same time. 



Im fighting with Citi since XX/XX/2019, Calling Fraud Department, Customer Service, Security Department, and no one is responding adequate. No one wants to listen and solve the problem, which was not made by me from the beginning. 



Please help me to resolve the problem Thank you
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

XX/XX/XXXX, LexisNexis provided me with a consumer report where they are reporting against my personal profile. 

XX/XX/XXXX, I sent a letter to the courthouse asking whether they report bankruptcies to the credit bureaus, and I received a letter stating, The bankruptcy court and clerks office do not provide bankruptcy information to anyone. So, if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They have also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.SC 1681 section 602 A. states I have the right to privacy.

According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

If you do not remove this record you also be in violation of 15 U.S.C. 1681n - Civil liability for willful noncompliance and you are conspiring with the regular CRAs against me and my rights under 18 USC 242.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MARINER FINANCE, LLC (OH)

I am being sued in XXXX XXXX Ohio XXXX XXXX for Case Number XXXX by XXXX XXXX. They have admitted I did not open this account and it is Fraud and they are still suing me and have sold my debt to others to collect on it and file lawsuits. XXXX has not removed this fraudulent case from my credit even though they know my identity was stolen because of their data breach. I want every collections and closed negative account removed as this is further proof even on their own admission that my identity was stolen and I am suffering because they screwed up. I demand you order them to remove all of these accounts I have listed in the past and compensate me for my time and trouble.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC (TX)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number in document Please provide me with : XXXX. What the money you say I owe is for. 
XXXX. A detailed explanation of how you calculated what you say I owe. 
XXXX. Copies of any and all papers that prove I agreed to pay what you say I owe. 
XXXX. A verification or copy of any judgment, if applicable. 
XXXX. The identity, name, and address of the original creditor. 
XXXX. Proof that the Statute of Limitations has not expired on this account. 
XXXX. Proof that you are licensed to collect in my state. 
XXXX. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation of the Fair Debt Collection Practices Act XXXX. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2024-02-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

When I got evicted from my apartments the landlord added extra unknown charges on my ledger in the balance of {$1400.00}. I recently just got an updated ledger after I heard she had gotten fired to get the correct balance. All of the extra charges she had added had been written off of my ledger now the current balance on there is {$680.00}. I keep sending in proof, calling the collections company, and calling the complex and I cant move until this is paid off!
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX I claimed to my chase bank about a transaction I didnt made of amount XXXX at XXXX XXXX XXXX they had to lock my old debit card to get a new one. So I got a new debit card and a new ID. And I got my money back the XXXX but then I saw that it was denied by XXXX XXXX XXXX. So I called XXXX XXXX XXXX and told them why was it denied when I didnt made the transaction. And they could help me with that.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NV)

Nelnet is continuing to show that they hold all of my accounts with over {$60000.00} worth of loans, however, they were paid off by consolidation with XXXX in XXXX. I noticed that the loans reported by Nelnet were duplicates and submitted a dispute through XXXX XX/XX/XXXX to have the accounts showing closed, however, Nelnet reported there being no errors and the accounts continue to show open on my credit reports. 

My loans have since been forgiven through PSLF and XXXX has removed them from my credit report, but Nelnet accounts still show. I submitted a 2nd dispute through XXXX to Nelnet XX/XX/XXXX, and Nelnet has yet again refused to update the status of my accounts. 

I called Nelnet today, XX/XX/XXXX, and was told that the accounts will just " take some time '' to remove from my credit. There was no specific date or timeframe provided and no explanation. It makes no sense that Nelnet would take 1-2 years to remove information from my account, yet XXXX was able to get everything removed within a few weeks of PSLF being forgiven.
Consumer complaint received 2020-06-29
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: Experian Information Solutions Inc. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2017-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CT)

I am filing a complaint against US bank for mistakenly denying my {$200.00} bank bonus. In summer XXXX I opened a new checking account with US bank, and there was a promotion associated with new accounts at that time. You can find the details of that promotion below, U.S. Bank is offering a {$200.00} bonus when you open a new Silver Check, Gold Checking or Platinum checking account and complete the following requirements : Enter promotion code on sign up or give it to your banker ( you can request a code via e-mail or text ) Complete XXXX or more recurring direct deposits totaling at least {$500.00} OR complete XXXX or more U.S. Bank XXXX Pay transfers of {$25.00} each or more within 60 days of account opening The Fine Print Checking Package Offer A minimum deposit of {$25.00} is required to open a U.S. Bank XXXX checking account. 
To earn the {$200.00} bonus offer, open a new U.S. Bank XXXX XXXX XXXX XXXX, Gold Checking Package or Platinum Checking Package between and including XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
Present your promotion code to a branch or XXXX phone banker or enter it online at account opening. 
Additionally, you must complete XXXX or more recurring direct deposits totaling at least {$500.00} OR complete XXXX or more U.S. Bank XXXX Pay transactions of {$25.00} each or more ( you are responsible to ensure sufficient funds are deposited to cover bill payments and enrollment in Online and/or Mobile banking is required ) within 60 days of account opening. 
The checking account bonus will be deposited into your new consumer checking account within 60 days of direct deposit or XXXX XXXX verification, as long as your account is open. 
Bonus will be reported as interest earned on IRS form XXXX and recipient is responsible for any applicable taxes. 
Offer may not be combined with any other checking account bonus offers. 
Offer is not valid if you have an existing U.S. Bank XXXX checking account, had a U.S. Bank XXXX checking account in the last XXXX months, or received other U.S. Bank bonus offers within the past XXXX months. 
XXXX U.S. Bank employees are not eligible. 

In XXXX I met the requirement by using the billpay service twice. But the bonus was not credited to my account. I contacted the bank about this issue, but the representative was trying to disqualify me for bonus reasons.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I wish to file a complaint against JPMorgan Chase Bank for withdrawing a total amount of {$9700.00} from my bank account without my authorization. I demand immediate reimbursement of all funds by JPMorgan Chase Bank. 

Here are the details : On XX/XX/2024, JPMorgan Chase Bank made unauthorized withdrawals of {$1800.00}, {$3000.00}, {$1400.00}, {$500.00}, {$2900.00}, and {$1.00} from my bank account, totaling {$9700.00}. 
On XX/XX/2024, upon discovering the unauthorized transactions, I immediately contacted JPMorgan Chase Bank customer service, who assisted me in filing the first claim. 
On XX/XX/2024, JPMorgan Chase Bank customer service informed me of the rejection of reimbursement. 
On XX/XX/2024, I filed a police report and presented it to JPMorgan Chase Bank again. The bank staff assisted me in filing the second claim. 
On XX/XX/2024, JPMorgan Chase Bank staff once again notified me of the refusal to reimburse, stating it as the final decision, without providing any written documentation.
Consumer complaint received 2016-04-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (AZ)

BBVA Compass authorized a charge card without my consent. I specifically asked for only a checking account and not a charge card. XXXX XXXX tried to slip in a paper to sign along with the checking account papers after I told him I did not want to open a charge card. I caught it and did not sign the contract to open a charge card. I then received a charge card in the mail. XXXX XXXX also asked if I wanted help setting up online banking. I said yes. Then he asked me where I was from and he told me he would use that information for my security question. I told him to stop setting up the online banking and I would do it myself.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Please see attached : 1. Charges on my account were fraudulent confirmed by citi 2. why citi issued me 1099-C {$2800.00} which considered as debt discharged under CREDIT CARD LOAN? 

WHERE IS THE LOGIC?! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-06
Product: Credit 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: FISERV INC. (IL)

On XX/XX/2024, my debit card information was hacked or stolen, but my card was is in my possession, and never left my possession. Someone wiped my account clean. None of the transactions that were made were mine, and the total of {$820.00}. My card is setup to notify me whenever any transaction over {$40.00}, I received no notification at all the whole weekend. So on Monday XX/XX/2024 I tried to pay my car insurance, and my card was denied I looked at my account and it was a - {$67.00} then I called Money network to dispute the charges on XX/XX/2024. I have a debit account its never supposed to be in the negative. Ive been a customer for XXXX years and Ive never had this problem before. I asked them did I need to fill out a police report because this is my first time dealing with something like this they told me no just fill out a dispute form in which I did and today XX/XX/2024 I called them back to get the status of my dispute. They said it was denied because someone used my pin number which is not understandable because no one had my card. I still have access to this card right now. And never ever gave anyone access to my account card or information. The charges are as follows : 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 amount of {$3.00} ATM Balance Inquiry Fee Can I be contacted by a XXXX regarding this issue. What should my next steps be?
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-01-14
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. There is XXXX XXXX XXXX account ( acc no : XXXX ) in my Experian report that is opened fraudulently. I did not authorize to anyone to use my identification information opening fraudulent account. I sent a police report and FTC Identity theft report to Experian credit reporting agency and XXXX XXXX XXXX but they refused to help me to resolve the problem.
Consumer complaint received 2024-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (PA)

I am unaware of these two ( 2 ) debts. I did not have the opportunity to dispute this debt before appearing on my consumer report. I did not receive proper notification. If in fact, you believe I received proper notification please provide the certified mail with a receipt with my signature on there stating that I received it at least five days before it appeared on my credit report.