davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (FL)

In a dire situation compounded by financial hardship, I find myself compelled to address a grave issue concerning your unauthorized access to my credit profile. It has come to my attention that despite not providing explicit consent, your organization has unlawfully obtained my credit information. I want to stress that I have not granted you permission to access or review my credit report for any reason whatsoever. Furthermore, it's crucial to emphasize that under the law, you lack a permissible purpose to contact third parties or access my private and personal information without my explicit authorization. This unauthorized intrusion into my financial privacy has exacerbated my already dire circumstances, leaving me severely struggling to make ends meet. Regrettably, due to financial constraints, I am unable to afford the cost of postage to send physical letters. Therefore, I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to mediate this dispute on my behalf. I implore you to cease any further attempts to access or utilize my credit information without my explicit consent. The impact of your actions on my financial stability can not be overstated, and I urge you to rectify this matter immediately. Failure to comply with this request will compel me to pursue all available avenues to seek redress and hold your organization accountable for the distress it has caused me.
Consumer complaint received 2024-04-22
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: Affirm Holdings, Inc (NY)

I had four accounts I owed money on through affirm those accounts were sent to collection agencies two accounts were sent to XXXX XXXX and two accounts were sent to a different collection agency called XXXX I believe. I called both agencies and I paid off all my past debt from affirm. I agreed and paid a settlement on XXXX of the accounts and I paid one in full which means I closed all four accounts. I have my receipts in my email and Ive told affirm this and even sent my receipts to them but they keep saying I owe {$51.00} on XXXX accounts which I absolutely do not. So they tell me I have to call the collection office, so I do and they say our records indicate that your accounts are closed/paid and they proceed to tell me the error is on affirms end. this has been back and forth for months now with no real answers or results, I have repeatedly reached out to affirm for answers and the only response I get is I have to call the collection agency which I have done multiple times and they tell me there is nothing they can do on their end because their records indicate everything is fine and they said theyve already relayed this information to affirm and on top of all that theyve sent me my receipts for confirmation of the transactions. so at this point I dont know what else to do
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (CT)

The IRS  websites " get my payment tool '' said my stimulus check was going to be deposited on XX/XX/XXXX to my PayPal checking account..it has not gone into my acct.ive tried contacting the IRS 30+ times with no help then tried PayPal customer service with no help from them..my money is missing an I'm I'm extremely upset I need that money an I can't find anybody to help me solve the problem with my stimulus money going into my PayPal account!! Please help me out! PayPal has gotten alot of questions about people 's money the stimulus money that is being posted to b direct deposited into the acct an it hasn't!!
Consumer complaint received 2024-04-27
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (AZ)

Certainly! Here 's a response you can use to describe what happened : -- - I have been attempting to obtain information from this company regarding a debt, but unfortunately, I have encountered several issues. Despite my repeated requests, I have not received the information I need, and I believe there may have been some misinformation provided to me. 

Initially, I requested specific details regarding the debt in question. However, I have yet to receive a satisfactory response from your company. Additionally, I was informed that the information had been sent to me. Still, upon further investigation, it appears that it was sent to an address that is not valid for mail delivery. 

This situation has caused me considerable inconvenience and frustration. As a consumer, I expect transparency and accuracy when dealing with matters as important as debt collection. Therefore, I kindly request that your company promptly rectify this issue by providing me with the requested information to a valid mailing address.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I went online and ordered a prom dress for my child. I never received item. Ive tried to email merchant no response, I have no tracking number nothing. So I went in to file dispute with my bank. I received a email from my bank today stating no error occurred. But I have no item and I am out of my money and Im very upset.
Consumer complaint received 2024-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I got scammed and XXXX XXXX  XXXX and Chase bank did not prevent it. 
I sent a wire transfer from XXXX XXXX XXXX  XXXX account to a fraudulent business account in Chase bank. 

Furthermore, I see that Chase banks did not make right Fraud and Business checks as well as Anti Money Laundering checks and allowed to have fraudulent business account. 

I contacted Chase bank and they refused to help. They do not have procedure ( or call agents do not know ) to file a fraud/scam complaint to freeze the fraudulent account for additional checks. I would provide documents I have for investigation. Such a measure can significantly increase customers protection and MTTA ( Mean Time To Action ). 
I heard such options are possible only if you know personally someone who works in Chase on a high position. 

I was able to file a complaint only to XXXX XXXX XXXX ( Claim Number : XXXX ) to recover money sent via wire transfer, but interaction between banks is very slow, which already gave 2 weeks for robbers to enjoy the money. XXXX XXXX XXXX  representative told that Chase may even not respond to the claim. 

The scammer 's website is still up : XXXX XXXX XXXX XXXX XXXX and I see that they created one more websites XXXX XXXX XXXX XXXX XXXX to scam more people. 

How they work : 1. Select a good-looking dealership on XXXX XXXX XXXX 
2. Register a fake company at your address and create a website. 
3. Post widely on the XXXXXXXX XXXX with a link redirecting to their website. Whenever you see 3+ duplicated posts in different cities, 99 % these scammers did it. ( Search by XXXX ) 4. Victim call them, they answer, give details via phone and email, which seems legit. 
5. Provide instructions for wire transfer. 
6. Victim send money, they say they will deliver the RV. 
7. Then they have problems, delays, car accidents, insurance work and the RV never arrives.

It's been already around 2 weeks, but they are still operating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMORGAN CHASE BANK , N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AZ)

I bought 2 Visa cards for {$500.00} each. I am unable to use them as intended. They are debit cards and should be used as such but when I try to use them to buy a money order, they show up as credit cards. Thus making me unable to use them how they advertised.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

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 informationisinaccurate.
Consumer complaint received 2020-06-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I requested to have the following personal statement " XXXX XXXX XXXX is a fraudulent mortgage account in my name '' added to the XXXX XXXX Account being reported by Experian. I have mailed numerous letters to Experian requesting a personal statement be added since XX/XX/2020. Experian after I filed a CFPB complaint now responds on XX/XX/2020 that if I want a personal statement added to this XXXX XXXX XXXX account being reported then I can submit it. I have already mailed five letters asking for my personal statement to be added months ago. It is now XX/XX/2020 only five days from XX/XX/2020 and Experian has not added my statement.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (NJ)

On or about XX/XX/2024 I requested my all of my information be removed from LexisNexis ' database. Instead of removing my information LexisNexis placed a freeze on my account, which I never requested.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (AZ)

My Credit Karma acct on XX/XX/2024 thru XX/XX/2024 was attacked and approx XXXX XXXX was removed through fraudulant means.

Money has been return to account however, I am unable to have funds released to me. Credit Karma continues to not answer my emails and avoids me.

I can only take daily cash amounts of {$500.00}.

I need the account corrected to allow me to transfer that amount to my XXXX  account. 
No response from Credit Karma from my last email on XX/XX/2024
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CT)

Sofi money froze my account i have funds in the account and a XXXX XXXX XXXX with XXXX  XXXX i need my funds to buy her medication im about to all a lawyer and the news i just want the account closed and my money way too many problems
Consumer complaint received 2024-04-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (LA)

Ive reached out to National Credit Systems to have debt verified and removed from my credit report. I request information and they have provided me with the original contract between me and the original creditor. That contract does not show where I signed an agreement for NATIONAL CREDIT SYSTEMS TO COLLECT ON THIS ALLEGED DEBT. Also the itemized form showing what the debt is owed shows no manager signature from the ORIGINAL CREDITOR. Due to this information being unverifiable and false information, it needs to be REMOVED from my credit report per FCRA.

Per 15 USC 1692 & 15 USC 1692g, I am to obtain a VERIFIED debt validation with proof obtained from original creditor that NCSI has failed to provide how they verified and accurate information.

Because NCSI has failed to provide this information, it needs to be removed off my credit reports with all XXXX bureaus IMMEDIATELY. 
Ive also sent notarized documents from alleged debt from original creditor and debt collector is still reporting false information. 
You have XXXX  days to remove this collection.
Consumer complaint received 2024-04-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

I found on my credit report that National Credit Systems is incorrectly reporting a debt that I have no knowledge of. I requested verification and documents proving I owe the debt on XX/XX/2024. To this day, I have not received a response from this debt collector. This debt collector is acting in abuse by still reporting this debt to all XXXX  credit bureaus and has failed to respond to my formal dispute emailed to them on XX/XX/2024 at XXXX.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (VA)

I applied and was approved for a secured credit card with First Progress Card. I placed a {$200.00} deposit on the card. The company says a card was sent but it was never received. They confirmed the card was never activated. They charged me a {$49.00} annual fee then late fees on late fees until they closed the card and reported it negatively on my credit, despite the fact the card was never received, activated or used. When I called to resolve this, they told me I owed an additional {$2.00} and refused to provide contact information for their corporate office. They closed the account without my knowledge and report negatively on my credit.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (IL)

I have tried to contact the company I can't contact the company through phone or mail everything I send to the company as far as mail keeps coming back I follow the address that's on the credit report and the stating that it's wrong The debt collectors that I paid through said that they couldn't delete it but I was told that once it was paid that they will delete it
Consumer complaint received 2024-04-27
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (NY)

My salary was deposited directly to the fifth third bank debit card issued by a company named wisely, on XX/XX/2024 at XXXX AM, I went to citibank parking lot ATM MACHINE located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
while driving the car I inserted the wisely debit card in the Citibank atm machine to withdraw {$1000.00}, the machine disconnected and restarted and showed error with an XXXX language and was not given any receipt, and I never got my cash requested and the amount was deducted from my account. i contacted customer service for the card issuer at this number XXXX to report what happened and they mentioned that they need at least 45 days to XXXX and up to 90 days to investigate, this is really too much time to sustain the bank mistake, I appreciate if you can step in and resolve this issue.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma (PA)

I recently opened a spend and a savings account with Karma Money. I had my tax refund and a portion of my payroll being deposited into the account. I have had nothing but issues trying to access the funds. 

An auto loan payment in the amount of {$470.00} coming from XXXX XXXX XXXX XXXX was rejected on XX/XX/XXXX causing the auto loan to be reported as 30 days late on credit and caused a {$30.00} fee from XXXX. When I called Karma Money, they told me that it was an automatic rejection due to an amount being changed after it was submitted. XXXX is telling me that it shows it was rejected for insufficient funds. I had over {$4000.00} on deposit with them at the time. 

On XX/XX/XXXX a payment in the amount of {$130.00} was rejected and on XX/XX/XXXX a payment in the amount of {$1400.00} both for XXXX. These rejections caused a late fee and additional interest to be charged to the XXXX account. When I called Karma Money, I was told that neither of these payments are even showing on their system. When I called XXXX, they told me that both transactions were rejected with no code.
Consumer complaint received 2020-06-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Student Debt USA, LLC (VA)

Student Debt USA stated they could help me get my defaulted student loans out of defaut and into rehabilitation process, they are scammers and lied. I informed them I wanted to enter the PSL program as a XXXX XXXX  XXXX. I sent them over tax returns, W2s/Utility bills/ medical bills and more. I made several qualifying payments & was told to wait for the collection agency to turn my defaulted loans over to them. After several emails, they stated my loans were now back w/DOE, they lied. I contacted the Dept Of Education and they stated they never recieved any correspondence from Student Debt USA. My Debt Collector, XXXX XXXX XXXX XXXX stated they never recieved anything as well. The company placed their information email & contact number under my profile on the eddebt website. This was very frustrating as during this time my mom was battling XXXX XXXX and needed care. After recieveing all my personal information and payments they just simply dissapeared into the wind. They appear to be scammers and should be shut down immeditaley. They false advertise and have no intention of honoring their business practise as stated on their still avaibale website. In this day and age in America this is terrible that companies are allowed to continue operating on vulnerable people student loan holders and take advantage of people who have sometimes no hope.
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

At purchase we bought a warranty for {$2000.00}. We cancelled within the approved period. The warrant company - XXXX - supposedly sent the check to the lender in XXXX of 2023. Nissan XXXX has said they see the funds and over 7 calls and 6 months have failed to credit the money to our account.
Consumer complaint received 2024-04-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (MO)

I saw a charge on my checking account from Affirm on XX/XX/year> that I did not recognize. I contacted my bank about disputing the charge but was told that since it was an " ACH '' charge that it could not be disputed and that I would have to contact Affirm. 

I spoke to several representatives at Affirm, they are only able to look up accounts by phone number or email address and mine do not match any accounts so they claimed they are unable to assist further. After questioning them about what information is needed to for someone to create an account they made it clear that anyone with my bank account and routing number, which are on the bottom of every check I've written and not exactly secret, could use that information with their own email and phone number to make purchases without my permission and I would have no ability to make a dispute.
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (NV)

On XXXX XXXX I went to go check my credit. I noticed that Flagship Credit Acceptance I put remarks as to being late on my credit report. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports is states that Flagship Credit Acceptance or any company need my written consent to add anything to my consumer report if i did not give this authorization that is a violation of the Fair Credit Reporting Act.

This is the second time I have told this company about this and they have done nothing.

I have to action this has hurt me and my family in many ways I havent been able to live the quality of life due these negative remarks that I havent approved of. 
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I am ready to take legal action.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2022, I opened two checking accounts with American Express National Bank. On XX/XX/XXXX, I received a direct deposit from XXXX in the amount of {$17000.00}. I transferred {$1000.00} to my savings account that same day. Upon using the accounts, I noticed that on XX/XX/XXXX my savings account was closed and the {$1000.00} I had in that account had been " debited ''. Alarmed, I attempted to transfer the majority of the funds left to my XXXX  checking account. However, a few hours later I received an email informing me that my transfer had failed. Then, I logged into my account to find that it was restricted. When I called into the service center, I was told that my account had been reviewed and closed. Okay, that's not a problem I said. When should I expect my funds? The CSR informed me that money would be returned to where it came from and she wouldn't even tell me where the initial {$1000.00} went.