davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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: Bread Financial Holdings, Inc. (TX)

I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCES XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and y are required to remove any information that is not true, accurate, and verifiable.

Please remove this inaccurate accounts and late payments that are inaccurately being reported & information IMMEDIATELY from my credit report and send me the updated report showing your compliance with all FCRA laws and XXXX XXXX Reporting Standard. well as this account removed.

15 USC Section 602 States I have the right to privacy. 15 USC Section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written permission. 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 purpose.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Chime Financial Inc (MI)

So I spoke to some one they told me 30 days to hear back from merchant ok on one of my dispute it has been past 30 days the other one is almost close to 30 days. I told them that the merchant would not contact them cause I have tried multiple times. Well I asked the supervisor a question and she rudely hung up on me. I normally do not have this problem. I was also told they were suppose to give me a refund after 10 days until settled and they didnt even do that. I just want the money back cause I didnt receive the items.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

I have sent XXXX different letters requesting validation of the debt. XX/XX/22 and XX/XX/22. The company has yet to respond with legal documentation such as a signed contract, agreement or promissory note which holds me legally responsible for this debt. I have no knowledge of the account nor have I ever opened an account with the original creditor.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe were reported in violation of various consumer protection laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts and details are reported on my credit report : XXXX XXXX XXXX XXXX - late payment account XXXX - collection account MEDICAL XXXX - collection account XXXX XXXXXXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX - collection account XXXX - collection account I am disputing these items on my credit report because I believe they were reported in violation of several consumer protection laws. The creditors have failed to provide me with the proper notices required by the law, failed to investigate my disputes, and failed to report accurate information. 

For instance, the late payment account reported by XXXX XXXX XXXX XXXX was an error on their part. I have made all payments on time, and the late payment should not have been reported. 

Additionally, the collection accounts for XXXX  XXXX and XXXX were reported without proper validation of the debt. I have requested validation of these debts, but have not received any response from the creditors. 

Furthermore, the charge off accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reported inaccurately. The debts were paid in full, but the creditors failed to update the information on my credit report. 

In conclusion, I request that these items be removed from my credit report immediately, and that the creditors comply with all relevant consumer protection laws. Please provide me with a written response regarding the investigation of these disputes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

On XX/XX/XXXX, my elderly mother, who suffers from XXXX, XXXX XXXX ( email : XXXX ) was a victim of fraud, made possible by the services of Moneygram. 

On this date, she was experiencing issues with her XXXX account and used her phone to XXXX XXXX customer service number. For some reason, the first hit of the XXXX search provided a phone number, which she called. Later that day, when we reported this to the local police, the police officer was able to replicate the issue on my mothers phone but not his own. Upon my own research, I have learned that this is a known scamming practice that the FTC has been warning consumers about. 

Please see here XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX for more information. 

When my mother called the number, she was connected with the scammer agent, who said that in order to help her, he needed to verify her information. He requested all of her personal information and then said, that when he reviewed her XXXX account, it looks like she is a victim of a scam and that she would need to Moneygram {$4500.00} in order to resolve this. My mother, again, who suffers from XXXX, fell for this trick and provided all information necessary. She was quite confused but kept falling back on the fact that this was the XXXX customer service number AND SHE HAD CALLED THEM. 

Due to her mental illness, my mother lives with me. I happened to walk into her room just as the transfer was taking place. I realized that something seemed off and we IMMEDIETELY contacted her bank ( XXXX XXXX ) to report the fraud/scam and to hold/freeze the transaction and her account. At the time, XXXX XXXX was extremely helpful and assured us that because we had called immediately, we would be safe. However, after the investigation concluded on XX/XX/XXXX, we were notified that because it was my moms fault, they could not fix the issue and she lost {$4500.00}. 

During this call, XXXX XXXX was able to disclose the name of the Moneygram account user and all of their information. The name listed is XXXX XXXX. This is the name of a famous actor and not a real person. I have opened claims with Moneygram and they said they can not provide any information, as they need to protect the privacy of the recipient. 

It kills me that Moneygram is a platform that allows scammers and evil people to access their systems to conduct elderly fraud and does NOTHING to stop it. 

My mother, who has little savings, is now down {$4500.00} ( XXXX moneygram fee ). I am so saddened by this and didnt know if you could offer any advice for fixing this. 

Best, XXXX
Consumer complaint received 2021-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (ND)

Credit karma Money was a featured promotional option from XXXX XXXX to get my 2020 return and earn extra rewards. 
My card was misplaced. 
No way to expedite new card. 
No way to use digital wallet to get access to money while waiting for new card. 
LIED and said was on XXXX  platform. 
Awful customer service. 
I STILL DO NOT HAVE MY MONEY OR ANSWERS 3 DAYS LATER!!!
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received an email from Wells Fargo that lender-placed insurance on my home was renewed. The cost of their insurance is almost {$1700.00} a year, which would be in addition to the homeowner insurance I have on my home with XXXX ( which is less than {$1000.00} ). Their email notes that Wells Fargo adds the cost of their insurance to our mortgage payment. I am our home 's title owner and have third-party authorization for the mortgage, which I have paid since XXXX. 

I had submitted the required Proof of Insurance to Wells Fargo 's online service at mycoveredinfo.com and the return email stated that they were unable to proceed and that I would need to resubmit the documentation. The contact phone number on their website turned out to be an automated line for making payments or checking status, with no option to speak to a person. 

Today I contacted my insurance provider, XXXX, who assured me that my home has been insured through them continuously since XXXX of XXXX. I don't want to pay this additional amount on our mortgage for expensive, lesser insurance since my home is already fully covered under the policy I chose. The XXXX representative reached out to Wells Fargo while I was on the phone, asking what format they would like to see the documentation in and to clarify the XXXX address, in case they got it wrong. The Wells Fargo representative acknowledged that our home is covered, yet would not speak to the public as it was not a customer line. It is still unclear what the problem is.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (NY)

Kia Finance America is reporting a charged-off lease account on my credit reports that I have been disputing for a while now. I have disputed this account directly with each credit bureau and Kia directly and have not reached a resolution. I sent a letter to Kia Finance requesting all documents and validation of this debt and have not heard back or received any type of communication back. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. How is it that they are able to validate this inaccurate account on my reports but ignore my dispute request? It is illegal to ignore a dispute request as well as to verify inaccurate information on a consumers report. This account is in clear violation of my rights as a consumer and I am requesting that it be deleted from my credit reports now!
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (VA)

In XXXX, opened a Citibank credit card account ( Citi Rewards+ ) and requested statements be sent via US Mail. ( I have several Citibank accounts- they are all set up for statement delivery via US Mail ) I did not receive any statements for this account. After 60 days, Citi reached out to me to let me know they had not received payment. I inquired with Citibank about the statements. Citibank did not know why the statements had not been sent and was unable to resolve. I paid the amount due in full immediately and Citibank refunded a {$40.00} late fee and agreed to adjust credit agency reporting. I did not use this card any longer because of the unresolved statement issue. 

This week, I applied for a mortgage and was informed that credit approval it was going to be an issue because Citibank was reporting a 30 day and a 60 day late payment on this credit card account resulting in significant decline in my credit score. 

I spoke with Citibank on XX/XX/XXXX and they were unable to determine why I had not received any statements. We did a series of tests, switching the account to electronically delivery to see if I could receive electronic mail from Citibank. While I receive other communications from Citibank electronically, Citi was unable to send anything related to this specific account to my email address. Obviously, there is a technical issue prevent statements from being delivered. ( Notwithstanding their initial error in not sending statements via US Mail ) Citi could not figure out why the account was not originally set up for US Mail delivery as explicitly directed and was not interested in resolving the issue. I have not used this card since the initial statement delivery issue.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XXXX has reported an account to my credit that was cancelled and it will show that in their system. 
The account balance is {$3000.00} opened on XX/XX/2022. I have contacted the credit bureaus and XXXX regarding this matter and they all keep referring me back to each other. This can not stay on my credit. It is fraudulent and hurting my ability to receive credit financing when I need it.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received call from unknown number this morning at XXXX. Left voicemail stating " I am a processor. You are scheduled to be served at your place of employment Friday XX/XX/XXXX. If you have further questions reach plaintive 's office directly at XXXX. You have been notified. '' Called number where another person answered with " XXXX XXXX '' & placed me on hold. When they returned they informed me that this was a collections regarding a Bank of America credit card from XXXX with unpaid balance of {$5700.00} & legal fees of {$2200.00}. Debt was bought by XXXXXXXX XXXX. I do not see any collections on my credit reports. I am unaware of any outstanding credit card debt. I have never been a client of Bank of America. This office appears to have much of my personal information already, last 4 social security, current & previous address, birth year, maiden & married name. They asked me to confirm last 4 & birth year which I did as they are correct & they offered info not I. In hindsight I realize you can not be served by phone. Further research this appears to be a scam. I can not confirm either law office or phone number as legit. " Law office '' identifies as XXXX XXXX XXXX in XXXX XXXX. Now I am concerned that I have confirmed my personal information and someone has stolen my identity. Please advise.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (SC)

XX/XX/2023 Comenity Capital Bank - IKEA Visa Credit card I received an email from company above, XXXX, stating that they had received an application for a credit card in my name. They also pulled a hard inquiry against my credit. The e-mail stated I would be notified via mail in 10-14 days.

I called Community Capital Bank and was eventually transferred to their fraud department. The representative hung up on me.

I did not apply for this credit card and I do not do business with this bank.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

hi my name is XXXX XXXX, I have been having issues with both my peronal checking account with chase and my email account with XXXX. So basically what keeps happening is my information keeps getting hacked and this now the third time its happen. My money has be stolen before transactions have had happen. as far as my email and bank account my passwords and ids hvae been changed alot so I cant access my stuff. 

The best way to reach out to me is my cell number XXXX.
Consumer complaint received 2023-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2023 I tried to have a freeze lifted on my credit report with Experian. When I tried to log on it would not allow me to and told me to contact Experian by phone. When I contacted Experian by phone I was told someone else had created an Experian account with my social security number. Despite answering all the questions to authenticate my account, I was advised I needed to fax or mail to a po box a copy of my social security card, my driver 's license, and a piece of mail showing my full name. There was no option to securely and quickly provide these documents to Experian other than by antiquated means. 

Meanwhile, this fraudulent account remains active with Experian and this other unknown person has access to my information through this account. I am not having this issue with XXXX or XXXX. I am concerned that Experian is not taking appropriate, immediate action to suspend that other account placing my confidential financial information at risk. Experian has allowed someone to create a fraudulent account and is not taking immediate action to correct it. I have spent over two hours on the phone with Experian with no resolution.
Consumer complaint received 2023-02-23
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. (CO)

On XX/XX/2022, CITIBANK FRAUD DEPARTMENT Texted me that multiple Fraudulent Charges were put on my credit card, a card that I had not used for 6 months. I immediately called them & they said they would be fixed. Not all charges were taken off & they are trying to Charge me over XXXX & interest & fees for some of the Fraudulent Charges. I HAD NOT USED THIS CARD FOR over 6 months, I should have a XXXX balance! Many representatives said this would be fixed within 7-10 days. 

XX/XX/XXXX XXXX XXXX XXXX. XXXX said they had decided to CHARGE ME FOR THE FRAUDULENT CHARGES! Totally Frustrated here that they are trying to charge me now after so many said that this FRAUD was fixed already
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (TX)

On Monday I took my 2015 XXXX XXXX to get it appraised at reliable XXXX in XXXX we're I got it from the sales guy who sold me the car asked me how much do I owe on it and I told him the people who is fiance the car said it was {$14000.00} when I told my sales guy who sold the car to me me and said that the car was sold to me for {$11000.00} so I'm am not understanding standing why Westlake financial services over charging me and when I went to print out a payment history for this car I had someone to calculate what I payed for on that car which is {$5500.00} {$300.00} which I just paid and I owe {$230.00} for late fees which is crazy I have proof of this and I only owe {$9100.00} on my car Westlake financial services screwed me charging me for a used car that's only {$11000.00} I am a XXXX person at that my family that I tried to go see and not only that I take my mom and dad who are Senior citizens and I help the XXXX people and I help a lot of people but I will not be messed over by Westlake financial services and y'all can call XXXX XXXX XXXX XXXX XXXX XXXX that's the one who sold me the car and he can pull it up on his computer and tell you that is a used car and the price of it which is {$11000.00} and they're number is XXXX because I also heard how Westlake Financial Services be doing people and I also told them that I was in the hospital for a min and I have to pay my doctor 's fees and medication but they don't care and I am a XXXX person and I wasn't fixing to go with out my medication
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Collection Service (PA)

We notified the gym owner we would be ending our gym membership at the end of the month, we were on a month to month plan with no contract. Upon letting the gym owner know he became very irritated and would just leave in the middle of us talking to him. At the end of the month we had repeatedly told him not to charge us anymore, and that we were not returning. 

He then reached out to a collections company where XXXX XXXX another phony alias would call and harass us 30 times a day. He threatened us verbally as well.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CO)

this complaint is against American Express for Fraudulent Late Payment reporting. Earlier this month i came into some extra money and chose to pay off my balance with American Express. I pulled my credit to make sure that it was reporting correctly and I notice that from XX/XX/XXXX to XXXX of XXXX they had reported me as paying late. This is inaccurate and false. Never did i pay on my account late. Never did I miss a payment. When I got sick in XXXX I entered this account into a debt management program and they took over my payments to make sure that AMEX got paid. I have a detailed record of all payments on this account and none of them were late. I even paid this account off in full and they want to try to ruin my credit by reporting me late. This complaint IS NOT against any of the credit bureaus but against AMEX as they are the ones that chose to report false information. When I called AMEX they said that they could not provide verifiable proof that the payments were late but could only tell me what their systems show. They are in violation of the FCRA as it states that all information being reported must be 100 % accurate, complete and verifiable and their attempt to report late payments can not be verified as accurate. They are also reporting still in the comments that this account was handled by a 3rd part debt management company and it is not. The account is paid off, closed and they actually owe me money. I will be taking AMEX to court and suing them under the right that they violated the Fair Billing Act and the FCRA and each fine is XXXX minimum if the judgement goes to me. I will be seeking reimbursement of all attorney fees as well. AMEX has a responsibility to report all information on time and accurately and they have not done so. REMOVE all late payments and REMOVE all comments that this account was being handled by a 3rd party company to pay the debt. If you refuse I will ask the CFPB to step in and investigate you and I will be suing you in a court of law to protect my rights and my credit worthiness.