davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Westcreek Financial (GA)

On XX/XX/2024 someone used my name, telephone number and address and applied to a company called Koalafi to obtain credit to purchase furniture at a furniture store called XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX Fl XXXX. Telephone number XXXX. Basically someone stole my identity. This purchase has fallen on my credit report. Iam also in the process of filing a police report.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-09-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I discovered I was a victim of identity theft when a Unpaid Collections account appeared on my credit report on XX/XX/year>. The collections account is through XXXX XXXX XXXX XXXX XXXX XXXX XXXX never confirmed the debt was legitimate nor confirmed the identity of the person imitating me. The apartment complex ( XXXX XXXX XXXX in XXXXXXXX XXXX ) that rented the apartment to the person imitating me never ran a background check or a credit check. My credit is locked at all times and they would have received an error if they tried to run my credit. My background check would show I own a home and do not live nor work in XXXX. They claim their policy is to run credit and background checks. They are either lying about their policies or they failed to comply with their own policies.
Consumer complaint received 2024-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (NY)

On XX/XX/year> i was involved in a XXXX XXXX with my wife and we suffered injuries that forced us to miss work. The following month One Main received a payment fton XXXX  for {$5100.00} when my car was deemed totaled. I have been making my monthly payments for several years and explained that due to our loss of income we would need to fore go a few payments ( i had requested 4 months ). They advised that payments need to be made and cant miss any payments, they let me pay XXXX my monthly payment but put me behind and now want full payment amount starting XXXX loan number XXXX
Consumer complaint received 2024-09-19
Product: Credit 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: Block, Inc. (MA)

On Monday, XX/XX/XXXX at approximately XXXX XXXX XXXX  XXXX discovered that my CashApp debit card had been stolen and used at two locations in XXXXXXXX XXXX. I am in XXXXXXXX XXXX, which is a few hours from that city in XXXX As soon as I saw the pending transactions, I contacted CashApp support to notify them and have the card blocked. The following day, once the transaction was no longer pending, I submitted a dispute stating that my card was stolen from my vehicle and used without my authorization ( or awareness ) at a location far from where I am living. The resulting transactions from XXXXXXXX XXXX currently show one completed for {$63.00} with the other as declined. 

I've heard back thus evening from CashApp with their decision to deny the dispute, stating their review shows the transaction was not unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX  ) and did not leave the house on XX/XX/XXXX. Even though this is not a large amount of money, I am very frustrated with being told that my stolen card was not actually stolen. I had to order an expedited replacement debit card for {$53.00} on top of the stolen {$63.00}, to top off the week. 

My understanding ( correct me if I am wrong ) is that at a minimum I am liable for at most {$50.00} of the funds stolen from me. Is this accurate? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CashApp Card ( Account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information at CashApp matches above. 

I have no documentation to prove I did not authorize the transactions, apart from my behavior immediately reporting, ordering a new card, my full 10 hour day working remotely for my employer ( online ), and my phones location history. Screen shot of one app 's phone location data for XX/XX/XXXX is attached. I can request documentation from my employer of my XXXX source IP address? I'm open to any ideas for additional ways to prove the facts here.
Consumer complaint received 2024-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC (PA)

I inherited a house when my mother died in 2020, and I have been paying the loan since. I now have this house transferred into my name, provided the lender with the recorded deed and my mother 's death certificate, but when I try to communicate any details about the loan, I am told by customer service, that they can't give me details because my name is not on the loan documents. Can you help me with this matter?
Consumer complaint received 2024-09-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (IL)

on XX/XX/year> the company WESTLAKE PORTFOLIO MANAGEMENT located XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. violated XXXX or more of my fair credit reporting acts such as - 15 U.S CODE 1681 B - A .Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : section ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not knowingly or unknowingly give WESTLAKE PORTFOLIO MANAGEMENT any written permission to report to my credit profile - 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party WESTLAKE PORTFOLIO MANAGEMENT did not contact me or give me warning that they will be reporting any of my personal information to a third party. in addition WESTLAKE PORTFOLIO MANAGEMENT did not give me an explanation of how the consumer can exercise that nondisclosure option.

-15 U.S. Code 1692c - Communication in connection with debt collection. After I notified WESTLAKE PORTFOLIO MANAGEMENT to cease all communication with me they still continued to communicate with me via XXXX XXXX such as XXXX XXXX and XXXX.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (FL)

I received a call from XXXX XXXX claiming to be with the XXXX XXXX XXXX XXXX XXXX regarding an unsuccessful attempt to serve my daughter a summons for civil court. She asked that I pass a message along to my XXXX  with the following information. She was to contact XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX to reschedule the civil court summons delivery. Due to the fact that in XXXX XXXX, FL our sheriff 's office serves all court summons, I asked for further information which she would not give me. I passed the information along to my XXXX. She did make the call and found out that it was a credit card company ( Commenity ) that was attempting to collect a debt they claim she owes from 2013. They explained that she would either pay in full or be sued and she had 24 hours to decide. The issue I have is when I called XXXX XXXX back, I got a recording to call the XXXX number. I hung up and called that number. The woman that answered asked for the case number I was calling about. I asked to speak with XXXX XXXX or XXXX XXXX. I was immediately hung up on and they blocked my number from being able to call them again. I asked my XXXX  to call ( while I was on the phone ) the woman answered and asked for the case number. I again asked to speak with XXXX XXXX or XXXX XXXX. We were put on a permanent hold.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/year>, my USAA debit card was used to make XXXX fraudulent transactions at a XXXX XXXX totaling {$770.00}. XXXX cash withdrawals were also made on the same day. To my knowledge, my card was not stolen as it was still in my possession. I checked my account balance as soon as I woke up and contacted my bank immediately. USAA refunded me for the XXXX cash transactions, but they recently determined that the XXXX 's charges were not fraudulent because they say my chip was used. It took them a long time to make their decision. If I would have know they were not going to take care of it, I would have pursued an investigation earlier. I have never shopped at that XXXX 's store. USAA originally provided a refund credit for the fraudulent transactions, but they recently reversed the credits. Now, my account is overdrawn and they are threatening to close my account if I do not pay them. I have requested the investigation information from them several times, but they have only provided a standard letter with XXXX sentence explaining that they denied the claim because my chip was used. I have banked with them for over XXXX years, and I have never had any issues. It is extremely upsetting that they can not provide me any of the information from their investigation. I can't even get information on the exact times the transactions took place or what was purchased. XXXX 's will not work with me directly, and it has been over XXXX months since the transactions took place, so it is doubtful that much evidence has been retained. I need assistance getting the investigation information because I have filed a police report and I will be seeking assistance from additional agencies to find a resolution and hopefully catch the thieves.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I had called chime customer service because I had seen a XXXX unauthorized transaction on my account .I called them and I noticed the said they going to send me a new credit card and debit and refunded me my within 45 days. Within the first seven days they declined it so I had called customer service again they told me the exact same thing when I called the first time the we will this resolved.
Consumer complaint received 2024-09-18
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: CarMax, Inc. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX Carmax AUTO finance, which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account XXXX - Creditor Name : Carmax Auto Finance Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely,
Consumer complaint received 2024-09-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NY)

My name was signed on a lease without my authorization and without me being present the signatures do not match!!! 

Added to collections on my credit report in the amount of {$5200.00} on XX/XX/2024 This is NOT my debt
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

Newrez LLC, my mortgage loan company, didn't have a record of my homeowners insurance. Without contacting me they then created an escrow account and increased the monthly payment. I unwittingly continued to pay my normal amount ON THE FIRST OF EVERY MONTH but because they had increased the amount they treated the entire loan payment as late and eventually submitted me to the credit agencies as a delinquent payer which had a significant negative impact on my credit score. 

I called them to address this and sent them proof of my homeowners insurance and they said they would remove the escrow account and refund me the amount they had taken out. After 10 days and I still getting delinquent payment emails from them, I called them again and none of the remediation they said they would take care of had been done. 

I STILL have the negative impact on my credit score and am attempting to get that addressed but Newrez LLC made a mistake here and has done nothing to correct it. They also have provided no help with my credit score.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: ROBINHOOD MARKETS INC. (NY)

During XXXX occasions now with Robinhood, I was not given proper notification of restrictions placed on my account. The first occasion was centered around me utilizing their instant deposit feature. I had made a deposits / withdrawal and had tried to add more funds to the account. I was allowed to add the funds however I wasn't able to use them as intended to place a same day trade. The result inhibited me to place other trades to mitigate losses and or see a favorable gain. In total we are taking about a significant amount of money to me. When i called I was told that their risk department placed a restriction on my account, and this was placed on them without any disclosure. Further, if I had known this option wasn't available to me then I wouldn't have adjusted my investment strategy for the day. Unfortunately, I wasn't given this simple disclosure of changes occurring on my account. Next, on XX/XX/year>, I called my financial institution because on the Robin site I was receiving a message that my debit card failed and was declined. My bank shared with me that I had no issues on their end and my available balance was sufficient enough for the Robinhood transactions to process. When I followed up with Robin hood about this issue i again never received the proper disclosure that I would expect according to Electronic Fund Transfer Act XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Specifically, on this occasion I was told by the service representative and then their manager, they are prohibited from disclosing this information because it was proprietary. When asked to clarify this I was told they can't disclose the reason, or when this issue would be corrected and or restriction removed. Further, the agent did disclose that he had the information available to him and could see why the restriction was placed and how long it would be on the account. Please pull case # XXXX. XXXX was the agent within the spending account department.
Consumer complaint received 2016-06-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (GA)

I have asked National Credit System to validate a collection they are reporting on my credit reports. On XXXX/XXXX/XXXX I asked National Credit System for a contract with my signature. On XXXX/XXXX/XXXX I receive a letter saying 'We regret you have failed to make suitable arrangements concerning the above reference account '. On XXXX/XXXX/XXXX I again ask Nation Credit System for a contract with my signature. On XXXX/XXXX/XXXX I receive a letter showing me a plain old bill. They have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: CREDIT ACCEPTANCE CORPORATION (MS)

Under USC 1605 its States That the Finance Charge is the Sun of All Charges. Why I am paying a monthly note and wasnt aware that I signed over my rights of my Promissory Note. Which by law is mines. A credit transaction took place when I extended my credit for the vehicle. Also, I was force to make a down payment which by consumers law is illegal. I state these fact too be true.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (NC)

I opened up this account with XXXX XXXX about two and a half years ago. Doing that time I very seldom use the account the monthly credit card fee was {$6.00} which I paid with no problem. During that 2 and 1/2-year period I never paid my account late Even though I use it was just paying the {$6.00} monthly fee. Because of non-use of the credit card when I made my XX/XX/year> payment by phone I requested that the account be closed. At that time I tore up the credit card made the last payment and figured I was through with Total Visa. I did not receive a XXXX statement but did receive a call in XXXX saying that my account was past due {$6.00} plus the late fee. At that point I indicated I have requested the account be closed in XX/XX/year> what I made that final payment. They told me at that time when they check they had no account of me requesting that the account be closed and that I owe the fees. They then told me they would investigate the problem and get back with me. I did not hear from Total Visa again until I received a call stating that I now old an additional {$6.00} for the month of XXXX plus a late fee. At that point I refuse to pay because I told them I requested the account be closed and I had no problem playing the {$6.00} feet before so why would I let them charge me {$47.00} for a late fee on a {$6.00} fee monthly fee and I'd never had that problem before. At that point they told me it's nothing they could do in our old the fees. I'm requesting that Total Visa remove those late fees remove those two charges and correct the reporting of my credit as being late on that account to the credit bureau. This is causing me problems by them showing me as delinquent for the account that I requested that they close.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AZ)

Chime determined that the developed checking and savings account would be closed on XX/XX/year>. A check has not been received for the remaining funds that are within the account which is a total amount of {$1500.00} or more.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

My Equifax credit report isnt reporting any information on my Equifax on my report I send them multiple letters stating that they arent reporting any accounts ( 4 of them ) on my credit monitoring due that I have open account and they are reporting to all three credit bureaus