davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX, XXXX : Request for Detailed Information on Fraud Investigation - Claim Reference XXXX I am writing regarding the recent identity theft and fraudulent activity related to my checking account with USAA Federal Savings Bank XXXX for which my claim was submitted on XX/XX/year>, and the case referenced as XXXX. 

While I appreciate the resolution and the reimbursement of the funds involved in this fraudulent incident, I remain concerned about the details of the unauthorized access to my account. Specifically, I would like to understand how my profile was accessed, how a debit card was issued without my authorization, and the full scope of the actions taken by the bank during the investigation. 

As a loyal customer, I expect transparency regarding the security of my account. Therefore, I respectfully request the following : 1. A complete report of the banks investigation, detailing the specific security records reviewed.

2. An explanation of how the unauthorized access to my profile occurred and how a debit card was issued and used to withdraw funds without my authorization.

3. Information on any additional security measures that have been implemented to prevent a recurrence of such incidents.

4. Copies of any documentation or data related to this investigation that would help me understand the nature of the breach. 

I would appreciate a prompt response to this request, as this situation has caused significant concern regarding the safety of my personal and financial information. Please feel free to contact me at [ Your Phone Number ] or [ Your Email ] if any additional information is needed from my side. 

Thank you for your attention to this matter. I look forward to receiving the requested documentation and any further details that may help clarify this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-11-27
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: SYNCHRONY FINANCIAL (CA)

I never opened an account and used them at all for XXXX XXXX/PAYPAL. They addressed to me with wrong address and want me to pay the balance. Otherwise, My credit report would be ruined. In the beginning I disputed them and they recommended again to pay the bill and I would not have any problem on my credit score. I decided that I would follow their recommendation and paid the balance. But, they messed up my credit report. I should have reported to police for identity theft.

By the way, one year later this problem happened again. They called me and asked me to pay another balance under another account which I never ever opened it. I went to police station and reported for that issue.
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (FL)

In XXXX I tried signing on to my account starting on the XXXX. By the XXXX I was forced to send by mail. My payment is due on the XXXX. It arrived to TD financial yard card on the XXXX. The payment was for XXXX. Only XXXX due. I have paid over since the loan started. They charged a XXXX dollar late fee and doubled my payment even after they received the payment. After XXXX hrs on hold I finally was able to speak to someone. After an hr they said it was all taken care of. Late fee was removed and payment was back to normal. This month there are now XXXX late fees and still double my payment. I have now spent over XXXX hrs on hold and spoken to no one. I complained online to them and all they gave me was a number to call that puts me back on hold. I am in the process of trying to move this loan to another establishment, but these people should be fined or closed down for illegal operation.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-09-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

Fay servicing is n't in the business in helping people with difficult situations. They are into foreclosing on your property. They say they will help you not true! They are not going to give you the modification they said we have three choices lie! They only gave us one in Deed of Lieu! The Fay Rep promised many things!. They stalled us with endless requests from many forms, checks stubs, bank statements, profit and loss if you own a business through faxes that at times did n't work, emails and none of it will ever matter to them. Many times they said they never received the docs and you had to redo all over again. Plus, they never had any new information or the rep would say I do n't know whats going on? Really? We are always in the dark about our whole loan. They want your house and they keep asking you for the same paperwork over and over until you run up the arrears on your mortgage and now your worse off then when you first started. They lie a lot! We asked countless times for the final payoff took them over a week and still do n't have it. They said you do n't qualify for the loan modification. He said its a 5.5 % loan so its going to be {$5000.00} a month oh no {$6500.00} oh but let me add this and this its {$7200.00} a month you cant qualify for the payment! These people are a scammers! They are abusing people and are into making money not helping people. it has been a major stressful time for one year! Filing a BK is the only way to save your house people are telling me. This should not be an option! XX/XX/2016-current dealing with these people! I work two jobs and dealing with this stressful situation!. They are taking the house and no resolutions other than Deed in Lieu! FAKERS and SCAMMERS! Worst People EVER! Who is protecting us? No one!!!!

Thank You!
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

XXXX of my accounts were closed p. They claimed it was due to activity they deemed goes against their policy. I asked them how come both of my emails were suddenly changed and they didnt provide information on that breach which violates the XXXX XXXX XXXX XXXX XXXX XXXX. my email is XXXX and it was mysteriously changed to XXXX, I suspect a breach of my private data information. When I tried to open another account they were unable to verify my identity and Im a XXXX XXXX.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

On dates XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, I mailed each of the three bureau disputing this inaccurate, information on my credit, The addresses were deleted but the public record related to this dispute still stand, I even took it upon myself to mail the court that the Bureaus say they are verifying this information with. The court response is included a long with a address that is not mines on the Bankruptcy, I am filling a complaint to get this inaccurate information removed from my credit. I was not notified on how this item is verified as mines on each of these responses. This is violating the FCRA.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

XX/XX/year> Chime Financial , Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Complaint Regarding Dispute Claim Decision for Account Ending in XXXX Dear Chime Executive Team, I am writing to formally express my dissatisfaction with the handling and outcome of my dispute claim regarding an unauthorized transaction on my account ending in XXXX. The details of my claim are as follows : Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Reported : XX/XX/year> Claim Amount : {$280.00} Despite providing substantial documentation, including proof of purchase of a replacement phone, a claim confirmation from XXXX, and an approved police report detailing the theft of my wallet and phone, my claim was denied, stating no error occurred. I respectfully believe that my case was not adequately reviewed or that critical information was overlooked during your investigation. 

Enclosed are the following documents that I previously submitted to support my claim : 1. Proof of Phone Purchase - Dated XX/XX/year>, from XXXX, confirming that I had to purchase another phone after my original phone was stolen. 
2. XXXX  Claim Confirmation - Dated XX/XX/year>, confirming that I created a claim with XXXX for a replacement phone. 
3. Approved Police Report - Report XXXX XXXX, dated XX/XX/year>, detailing the theft of my purse, which contained my wallet and phone. 

These documents demonstrate that I did not authorize the disputed transaction and that my cards were compromised during the theft. I kindly request that your team reassess my case with the additional evidence provided and reconsider the outcome of my claim. 

The unauthorized transaction has caused me significant inconvenience and financial hardship, and I believe that I am entitled to the protection and resolution promised by your services. If there are any other documents or details required, please do not hesitate to contact me. I am eager to resolve this matter as promptly as possible. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In XXXX I followed the FTC 's links to freeze my credit. The link to TransUnion provided by the FTC links to a paid site that makes you create an account. When I went to freeze my score TransUnion asked for a credit card. At no point did it indicate that I would be charged a fee or be subscribe to a service provided by TransUnion. TransUnion then proceeded to charge me $ XXXX monthly. I called the company and after falsely stating there was nothing they could do, a representative agreed to issue me a refund. However, TransUnion refuses to give me a receipt for the refund, claiming nobody in the entire company, including the CEO (? ) has the ability to send an email detailing the refund. 

https : //www.consumer.ftc.govXXXX
Consumer complaint received 2024-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I have been receiving calls from a company named Portfolio recovery they use spoof numbers every time they contact me. They have contacted me daily since XX/XX/year>. I have blocked every number they have called me in. They are a debt collector but I know this is spam since I have no debt.
Consumer complaint received 2024-10-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc (NE)

I contacted cfbp and Venmo that said I would be sent a card and that card never came and they said to reach out to the I did and still no reply so I am complaining on Venmo again
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The credit reporting agencies will not allow ( except XXXX ) me to freeze my account without paying a fee. I 've never consented to them using my information, and I do n't have the ability to opt out of their data collection. The least they could do is not charge me to attempt to prevent fraud and/or identity theft.
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (FL)

Yes there was several unauthorized transactions from my acct I filed a dispute with chime XXXX different times and they keep telling me there is no error. I have also filed a report through FTCXXXX police reports and a report from attorney state general and submitted all of these to chime but got same results as no error.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Comerica (NY)

I have try to get my ssi from XXXX XXXX  unfortunately direct express dont want to give me my ssi money i have made over 10 calls lasted more than 2 hrs on my friends cell now i dont have the money to pay my rent i cant pay my cell bill cause i dont have the money to put on my bill plus i have to pay XXXX XXXX XXXX direct express never send me a new card plus the agent takes a very long tome i have XXXX  appoiments and so much more the problem is with my landlord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX after court order. plus i use it to buy food even if i get XXXX XXXX i also try over 8 atm nothing please note that my cell is off i cant recieve no calls only email at XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (NY)

*ACCURATE BACKGROUND XXXX XXXX XXXX XXXX XXXX XXXX As a result of my consumer report being pulled from the company ACCURATE BACKROUND my XXXX XXXX with XXXX has been revoked. The information obtained in this consumer report is not XXXX  % accurate nor is it fair or equitable to me having this information available when its not in its complete lawful form according to the congressional findings. 
You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Yall are out of lawful playground. congress makes it clear that the consumer reporting agencies are dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). ACCURATE BACKROUND XXXX XXXX XXXX This transaction even took place it should've been held confidential! violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction ( Which you wouldnt know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. Pursuant to 15 USC 1681s ( d ) ( 2 ) ( a ) ( I ) it should be excluded from my consumer report. and Pursuant to 15 uSc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ( social security card ) Should be excluded from a consumer report. Also these false & inaccurate repors should all be removed from My consumer report PERMANTLY AND DELETED pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these eronius reports from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer I have no contempt charge on my record in fact that case was dismissed as of XX/XX/year> and is false information provided by XXXX XXXX XXXX i never served jail time or received probation. This is adverse action which is a form discrimination and is hindering my abilities to fair and equitable treatment. **NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST OF PRIVATE ADMINISTRATION PROCESS ** PLEASE RESPOND IN GOOD FAITH
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (TX)

I am disputing a charge-off that is being reported by Spring Oaks Capital LLC on my credit report. This account was originally opened with XXXX XXXX XXXX on XX/XX/year>XXXX  and was later sold to Spring Oaks Capital LLC. The account is listed as closed, with a {$670.00} charge-off, but the balance is also reported as {$0.00}, which is inconsistent and inaccurate. 

I have not been provided any validation of the debt, including a copy of the original contract or proof of assignment, despite my request. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, Spring Oaks Capital LLC is required to validate the debt, but they have failed to provide this information.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, they are required to report accurate information. The inconsistent reporting of this charge-off is damaging my credit score, and I am requesting that it be removed immediately.

I am attaching a formal dispute letter that I have already prepared, which includes additional legal citations and further details.

Please investigate this matter and ensure that Spring Oaks Capital LLC either verifies the debt in full compliance with the law or removes the inaccurate information from my credit report.
Consumer complaint received 2018-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Around XXXX XXXX,2016, I opened a new account at XXXX XXXX wishing to receive the opening account bonus of {$350.00}. The banker told me that the minimum requirement is {$10000.00} for 90 days. She also told me that the {$10000.00} can be in this account or other account like investment account of HSBC and advocated me to open an investment account. Half a year past, I still fail to receive this bonus. So I contacted an agent online a week ago and she said that I should receive this bonus this week. However, today when I contacted them again, another agent said I did n't meet the requirement since money in investment account are not included for receiving this bonus!! 

The banker is cheating and I also feel very frustrated. Could you help me dealing with this?
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed all my business accounts and my merchant account without any warning. closer to end of XX/XX/2018 they called me and told they closed my merchant account and do not charge anymore, then few days later I received a letter from Bank of America that my back accounts are closed and That I to go to the bank and withdraw my money from my accounts. I called Bank of America twice and was on the phone for hours and was transferred from department to department and no body is giving any answers what happened or why this decision was maid or what I can do to clear my business reputation and my good name. Bank of America ruined my reputation and refusing to clear my good name and I can not recover from that because they refusing to tell me why and what happened. I have also filed a complained with FTC Federal Trade Commission. If there is anything else that I can do please help me to clear my good name and my business reputation.
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo Cc card was closed due to inactivity, I didn't get the notification letter till recently.ans I didn't know they would close the reward account too. Nor they mentioned in the letter. 

I had {$420.00} in my rewards account XXXX They refused to get back me the money in my rewards account even tho I reopen my CC. 

I have called customers service and they refused to refund the reward
Consumer complaint received 2024-10-05
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: MoneyLion Inc. (MS)

I called the company about a delinquent account that I was trying to pay off in full if if they agreed to delete the account which I paid in full in XX/XX/year> but yet the account is still showing on my credit report
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (MD)

I spent an hour on the telephone with E-trade/Morgan Stanley trying to make XXXX wire transfer.I was told that it would be there within an hour. I just got an email from them telling me that due to suspicious activity they were locking me out of my accounts. I told them that I will just close my account and move my money to my local bank ( XXXX XXXX XXXX  ). I tried to transfer my money from both my savings and checking account. There is no option to transfer my money out, only transfer more money into Morgan Stanley. I had previously transferred money out of Morgan Stanley but now they won't let me have my money anymore. I spoke with their customer service representative. Basicly, they said too bad. I want them to unlock my account and put my money back in XXXX XXXX XXXX  bank.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southern Auto Finance Co (TX)

Company claimed to the irs that they sent out a 1099 C for a vehicle. I was never notified my taxes was taken due to this 1099 C form. Each month I get a alert on my credit this account is reporting as late payments and high balance. I called the company they say they have no records of me as their customer and no knowledge of the form. There has been no resolution and this has cause for me not to be able to purchase a vehicle