davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/2022, someone used my debit card information to make XXXX purchases from XXXX in the amount of {$1100.00} per purchase. They actually attempted a fifth purchase, but due to a limit on the card, I was able to cancel the card before it went through. I reported this yesterday to my bank Regions, but was told the charges were still pending and I could not submit the fraud claim until the amounts actually posted. They said this would occur today -- XX/XX/2022, between XXXX and XXXX XXXX. I contacted the bank again today, and the amounts XXXX x {$1100.00} are all still pending. I have now been told that I have to wait until tomorrow to submit the fraud claims. Right now, my account is about to be overdrawn due to these charges.
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

Hello, on XX/XX/2021 at XXXX I transferred XXXX xlm stellar tokens worth {$260.00} to the Binance US exchange . I was not aware that a memo was needed to complete the transfer and therefore it didnt reach my account. I subsequently contacted Binance.US and informed them of this issue by email and received an email back saying that they have located the coins although they need me to verify my transaction id along with a screenshot of the transaction and a video of me addressing what had occurred. I did this twice because the first one I sent to them was not viewable to them so they asked for a revised video. I went through the steps again and emailed them. Since early XXXX and up till now I have followed up with several emails to Binance and not one person has responded back. I would like your help to get my coins returned. Thank you.
Consumer complaint received 2021-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX charged Off my XXXX XXXX XXXX account after it was paid. How can a credit card be charged off if it's paid. This is fraudulent and discriminatory action towards my financial status. This account is paid. 
During the beginning of the pandemic I paid this card off while battling the XXXX XXXX XXXX XXXX. I will be false to seek legal assistance if this is not deleted from my credit profile on Transunion, XXXX and XXXX.
Consumer complaint received 2021-05-31
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: RentDebt Automated Collections, LLC (TN)

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXX with a balance of {$3700.00} and an original creditor of XXXX XXXX XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has created fraudulent checking and savings account 's for the last year and a half and two years. Wells Fargo advised me in my last complaint these " Fraudulently '' Created account 's submitted with my information that was not accurately reported, and that the account 's were not authorized by me, but instead from an identity thief. I did not, sign any account opening documents and I have not opened any account 's with Wells Fargo. These account 's were opened originally as part of Wells Fargo new account scandal where they were opening account 's without peoples knowledge. I advised Wells Fargo I have never had any account 's with Wells Fargo, These were opened from an identity thief, and Wells Fargo advised they agreed a thief opened these via a letter they sent me. Wells Fargo has alot of phishing emails going around also, Alot of scam emails. I do not open these. I am not sure where to report these, However. I was going to talk to a banker about opening an account at some point since I have never done so at Wells Fargo. The banker informed me that Wells Fargo and or it's affliates can not open account 's for me because of a " Past Relationship '' I do not have a past relationship. As I stated before I NEVER HAVE HAD ACCOUNT 's with wells fargo. You even agreed the phone number XXXX was a fraudulent number. I have confirmed XXXX shut this number down. I have not applied for account 's with your bank and I have not opened any. No Savings, or Checkings accounts. So how can I have a past relationship if these were opened from a thief?
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Halsted Financial Services, LLC. (TN)

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with HALSTED FINANCIAL SERVIC with a balance of {$880.00} and an original creditor of XXXX XXXX PHYSICIAN. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

On XX/XX/2021 I made a ACH deposit on my Binance.US account of {$200.00} that was chargebacked, I thought it was my fault but it wasnt because I had funds in my account I even called my bank to check and they informed me it was not there fault. Still i settled the dispute by making a debit card cash deposit of {$230.00} on XX/XX/2021 to cover the chargeback. I have contacted Binance US multiple times since then asking for for my trading to being enabled but I have not gotten a reply, instead just 2 weeks ago I tried to log into my account and when I did I got a notice that my account has been locked!!! I have tried to contact them but I have not gotten any replys. I Payed back the money that was charged back I dont understand why they have locked me out please help
Consumer complaint received 2021-05-31
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. (NC)

Last year in XXXX of XXXX I disputed an account with Experian that was reporting a late/missed payment on my credit report. The company reporting this is XXXX. I also called XXXX and spoke to them. They apologized and said they would fix it. The issue is that in XXXX I filed bankruptcy and XXXX was one of my creditors. The Fair Credit Reporting Act says that creditors cant report negative information after bankruptcy such as missed or late payments but they have been ever since I filed. XXXX just reported this late/missed payment in XXXX or XXXX of XXXX. 5 years after my bankruptcy was discharged. This is against the law. So when I called XXXX they said they would fix it and they did. The next month my score jumped up XXXX points and the late/missed payment was gone. But then the following month it was back and my score dropped again. I called them again and disputed it with Experian. But they came back and said it was correct and didnt fix it. I called Experian and they claim that its correct. I explained the law to them but yet they argued with me and said just because I file bankruptcy doesnt mean XXXX cant report this. Since then, Ive disputed this numerous times. Now Experian wont allow me to dispute it any longer and its still reporting negatively on my credit report. This is against the law. The FCRA plainly says they cant do this. How does a credit bureau not know this ... please help.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Smith, Cohen & Rosenberg LLC (VA)

In XX/XX/2020, I hired a copywriter who was persistently contacting me, rude, etc. Therefore I cancelled the relationship. I owed a balance and agreed to pay. The pandemic affected our business financially ( which was not why we discontinued ) but we notified that there would be a delay in payment. 

She hired an collector in XX/XX/2020. I notified them I was in the process of stabilizing my company financially, etc. and I would contact them once we stabilized. Repeated phone calls, emails, text messages ensued. Every week since XX/XX/2020. 

Finally, I was able to pay something however an emergency occurred and was unable to process payment. Again I notified them. 

I am currently waiting for another round of funding from the XXXX, the expansion XXXX. I notified them on my intent to pay once that went through. We have been waiting patiently during this process with the government. Again, notified them. Instead of listening they demand I pick up the phone when they call - which I am with patients as a doctor and am not able to just pick up the phone in a procedure. 

Not only that they call, text, email, call my office, leave messages, send text messages EVERY DAY since XXXX. After I have asked them to stop repeatedly and explained where we are with this case. This was a business account, yet they filed it on my personal credit. I have an XXXX XXXX. I am not a sole proprietor. I did not sign a personal guarantor. This is only a business debt and not a personal one. I explained that was not legal as well and they stated it depended on what state I am - actually not. I am tired of the constant harassments daily. I will pay the bill, but not under these conditions or in their time. We have all suffered from the pandemic- and I have communicated the entire time. I do not deserve to be treated this way. This is harassment.
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

After receiving a checking account packet and credit card in my mail on XX/XX/2021, I immediately contacted the bank where these items were from and explained that a fraudulent account was opened using my personal information. After speaking with three persons and spending an exuberant amount of time on the phone, I received no confirmation the account was actually cancelled. I asked for a confirmation number and was told they didnt have one to give me. I asked about sending a confirmation to my email and was told I wouldnt receive that either. I explained that other forms of fraudulent activity were taking place against me and that someone has already tried to file a fraudulent unemployment claim with my employer. I stressed that I need some confirmation the accounts have been cancelled and was told that they would send it to their XXXX XXXX XXXX XXXX department but I probably would not hear from anyone! I have not been a XXXX XXXX in over 7 years! The number they claim they tried to contact me at is not mine!
Consumer complaint received 2021-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is a formal complaint against Portfolio Recovery Solutions located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-08-26
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: Experian Information Solutions Inc. (CA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX {$730.00} XXXX  XXXX {$280.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXXXXXX {$570.00}
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent in my dispute letters over 60 days ago on XX/XX/2021. I havent received any correspondence about an investigation. I understand the credit bureaus have 30 days to Let me know that there will be an investigation. After that they have 15 days to do investigation And since covid-19 they have an extra 15 days. Its been over 60 days and I havent received any notice about an investigation. I would like all accounts on my report deleted not disputed and not up for investigation. Thanking you in advance.
Consumer complaint received 2020-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (CA)

I am filing a complaint against SEQUIUM ASSET SOLUTIONS , LLC, as I have made MULTIPLE attempts to rectify this account, as well as request debt validation, and the company has made no attempt to provide validity of the debt. I have requested a contract stating the amount owed as well as a surety of facts with a reasonable investigation and the company has failed to respond to any request. 

My request was delivered to the company on XX/XX/2020 and it is now 40 days since then and the company has yet to respond. 

Account - SEQUIUM ( Original Creditor : 11 XXXX XXXX ) - Account Number - XXXX
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (DE)

Hi, I received a Chime debit card and fulfillment materials on XX/XX/XXXX via USPS. Chime was immediately contacted same day by email to report an account was opened without my authorization ( email is the only available channel for customer service ). Chime responded on XX/XX/XXXX acknowledging my complaint and stating my account was closed. Further Chimes email stated, Please note that you will not be held responsible for any activity on this account. 

I received a 1099-INT for {$100.00} from XXXX XXXX XXXX XXXX On XX/XX/XXXX, I contacted XXXX XXXX XXXXk and was informed by the customer service representative my bank account was associated with Chime and that I had to speak with Chime regarding the matter. On the same day, I contacted Chime customer service to resolve why a 1099-INT was sent. My call was escalated to a supervisor ( XXXX ) at my request. My request was for Chime to correct the 1099-INT filing so I have no tax responsibility associated to the 1099-INT filing. Chime is yet to acknowledge my request or provide guidance how this matter can be resolved. 

There are a number of issues in my experience with Chime. Specifically, Chime filed a 1099-INT via XXXX XXXX XXXX for {$100.00} to an individual who reported a fraudulently opened bank account to Chime. 
Chime not taking action to prevent 1099-INT from being sent to an individual having a bank account opened fraudulently. 
Chime acting contrary to statements made to this consumer impacted by a fraudulently opened account. Specifically, filing a 1099-INT for {$100.00} when Chimes communication on XX/XX/XXXX stated, Please note that you will not be held responsible for any activity on this account. 
Chime holding this consumer financially responsible for activity associated with a fraudulently opened bank account. 
Chime not informing this individual in a timely manner ( i.e., immediately ) of a bank account being opened in their name. 
Chime relying on debit card fulfillment materials as notice to an individual of a newly established bank account. 
Chime allowing a debit card transaction without the account holder receiving the cardholder agreement in advance of the initial transaction. 
Chime not having telephone access fraud service representatives. Instead, Chime relies on email customer service which ultimately slows down the remediation process. 
.
Consumer complaint received 2021-05-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NJ)

In XX/XX/XXXX I went for XXXX XXXX that I have done every 6 months to manage XXXX XXXX at XXXXXXXX XXXX  in XXXX, NJ within XXXX XXXX XXXX. XXXX XXXXXXXX XXXX in XXXX, NJ is In Network within my XXXX XXXX XXXX XXXX plan. 

XXXX XXXX processed the bill for that XXXX XXXX as if it was done out of state. Therefore, I was billed as if it was out of network for the full amount of {$290.00}. I contacted XXXX XXXX XXXX XXXX XXXX XXXX regarding. They were very helpful and tried to process the bill again. XXXX wouldn't change the charges even though XXXX, XXXX XXXX XXXX, & I each completed a form to dispute the charges. 

That is when I paid {$30.00} online to XXXX so there was activity to prevent it going to collections. After that XXXX, XXXX & myself continued to dispute the charge with XXXX for a few months. They would not budge and that is when XXXX sent it to collections. 

When I received that bill from collections in XX/XX/XXXX I paid it immediately because I had no other choice & I didn't want it to effect my credit. {$290.00} for routine XXXX XXXX!!

Now I was applying for a mortgage and see that it did in fact effect my credit score a lot! That is not fair to a person who did all of the right things. 

I disputed the collections account on my credit to be removed or show that it is closed and in good standing, but they have not agreed to do that either. 

Contacting CFPB is my last attempt to have this situation corrected considering I was never at fault for not paying. I'm just tired of the medical insurance companies taking advantage of us! Because of them I had to pay {$290.00} for routine XXXX XXXX that was done in network. 

I hope CFPB can help me remove this incorrect rating on my credit with all 3 bureaus.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (CA)

My one main financial account ending in XXXX is being reported on XXXX  as closed and opened on XXXX  this account was satisfactory paid off in beginning of 2020 and by law under FCRA you guys are reporting inaccurately on my credit profile and therefore now needs to be deleted from my credit profile
Consumer complaint received 2021-05-31
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: Experian Information Solutions Inc. (TN)

I recevied my credit report and found an account that is not mine. This account may be a family member 's account. The account in dispute is : XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$19000.00}.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

on XX/XX/XXXX an illegal wire transaction from my chase bank account was done and the tranfer {$490.00} dollars from my account to another chase bank account, i was subject to a fraud and money was transfer from my accou, i gived all the information to my bank and copy of the police report and the bank still transferred the money and now chase bank is telling me that they cant do nothing about that .and all they can do is a courtesy call to the party that made the fraud because the transactions is already process, even though they have the other party info, my bank account is on chase bank , a police report is being issued and is a federal police case open but Chase bank did not provide any help gettimng my funds, i hold a busisnes account with CHASE for over XXXX  years
Consumer complaint received 2021-05-31
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: Professional Recovery Management (TN)

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with FOX COLLECTION CENTER with a balance of {$1200.00} and another account with FOX COLLECTION CENTER with a balance of XXXX and an original creditor of XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.