davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOUTHSTATE CORPORATION (SC)

I went on vacation in XXXX XXXX XXXX XXXX, CA and bought XXXX XXXX tshirts. They were bundled in cylinders so I couldn't see the physical size. It wasn't until well over 10 days later I got back and washed the shirts to realize one is a misprint and on ( what has to be ) a medium sized shirt. I called to open a dispute with my bank SouthState and the lady screwed everything up. She opened the dispute, but then ( for no reason at all and not by my request ) opened a dispute on an entirely different transaction from an entirely different day. This happened to be for upgrading my wife 's plane ticket for an upcoming work trip. I didn't find out until I got a letter in the mail stating " they're still investigating it. '' I had to call in last week and the bank apologized profusely for their " bank error '' and canceled it. The original dispute was then declined because they supposedly reached out to " the company '' and was told no refunds after 10 days. According to South Carolina and California Consumer Protection Laws : " Manufacturers are strictly liable for product defects that happen in the manufacturing process. Strict liability means the manufacturer is the responsible party by law '' I've made SouthState bank aware that I am in receipt of defective goods and this transactions violates consumer protection laws. I'm also making it public information that SouthState bank disputed a transaction in my checking account - at random and at will which could have resulted in time and monetary loss on my end IF I hadn't contacted them to cancel.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (TN)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (FL)

Inaccurate information reported To the credit bureau by oportun Keeping Both loans open so they both Can draw. interest. So that my payments can go straight to Interest When one is the refinance of the other? In the result of. If my payments was {$870.00} a month and I paid {$500.00} a month or a {$1000.00} a month. It went straight to Interest. Then They reported it too. The three major credit bureau.With this miss information.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

On XX/XX/year> someone went on my account and transferred XXXX $ then XXXX $ to a number of XXXX However before this there were other bouts of unauthorized activity 2 transactions on XX/XX/year> I filed a dispute XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX In total these charges add to about XXXX $ initially when the disputes were denied i just would call make sure my account was secured but now this is too much I thought they secured my acocunt this last unauthorized money transfer is the cherry on top as it was from a deposit I got literally the day prior My identity was stolen and im thinking someone gained access through that
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On or about XX/XX/year> we made and interbank to bank transfer with Bank of America. A few days later our local branch told us that the beneficiaries account had been flagged for fraud. We immediately recalled our money. To date 62 days later we have not received our funds in the amount of {$220000.00}. Our local branch has verified that BOA is holding our funds, but the fraud department has not reached out to us to tell us when we get our money back.
Consumer complaint received 2024-09-02
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: Bread Financial Holdings, Inc. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

i had my cash app account hi jacked, i was unable to reach cash app, theyt had no phone number at the time, no XXXX hour emergency service, no way for me to contact them when i knew that my phone was stolen and i immedietly needed to contact them. this happened in XXXX  and i have sense been locked out of my own account. no matter how many people i talked to at cash app i recieved the same response, disconected from the call or an email saying they cant help me and it is what it is. basicallky saying they are not going to cinduct business in a lawfull manner. i had to file a claim with cfpb case number XXXX in order to get some assistance. after i filed this claim cash app quickly addmitted to there error and credited my account then proceeded to close my account. the amount given was not accurate and they gave me USD but this is not what was stolen, bit coin was stolen and this is what i requested to be returned. my initial cash investment according to the account history was XXXX USD XXXX XXXX  is what i purchased and is what was stolen.cash app recently admitted to fault and credited me only XXXX USD I'm not sure of how many XXXX  that is. but i know the value of XXXX SAT is today worth XXXX USD and that is exactly what was stolen, and cash app negligently allowed for someone to access me, not provide me with any platform to communicate with them on other then delayed email resposes from them transfering me around and a automated emailer with generic emails.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MI)

A hard inquiry appeared on my account on XXXX XX/XX/year> that shows the JPMCB CARD SERVICES ( Bank ) checked my credit and it is an activity that I don't know about. It happened without my consent. Please investigate this inquiry and I want to dispute it.
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I keep receiving robot calls 7 days a week from Portfolio Recovery Associates , LLC and want the calls to stop. They are free to contact me by mail. I had sent a cease to desist to the original creditor requesting them to notify the collection agency they assigned the account to cease from contacting me by phone. They are harassing me on the weekends and that is a problem. I am getting your agency involved because I do not wish to be phoned.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was a victim of credit card fraud. In XX/XX/year>, while I was traveling to XXXX, XXXX, my Bank of America credit card was stolen and used for various purchases. When I realized my card was missing/stolen, I contacted Bank of America and filed a dispute ( dispute number : XXXX in the amount of {$2800.00} ). My card was missing on an XXXX travel, and Bank of America told me they would take care of the fraudulent charges, and resolve the dispute. Initially, they credited me back the disputed fraudulent charges, but after a few months, I saw that the claim was rejected. When I saw that, I contacted the Bank of America claim department again, on XX/XX/year>, and asked for an explanation. I was shocked that they did not do their due diligence, and I requested that the funds be credited back to my account since this was a fraudulent charge. 
I demanded a proper investigation and explanation, and credit to my account for the fraudulent charges. The representative said they would get back to me, and up till now, I have had no resolution and explanation, while my funds were stolen. 
I am kindly requesting your help in solving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (PA)

I have a student loan through XXXX XXXX XXXX XXXX XXXX, which I am paying through XXXX  XXXX XXXX. 

Every single month I have issues trying to make my payments. Their online portal never works. It always says my password is incorrect. I attempt to change my password every single month when I log in to pay. Sometimes I am able to reach a customer service rep that helps, other times they say they can not help me. If i reset my password, it sends it to an email I have no access to. Ive asked for this to be changed and they say they changed it, but it never works. 

This difficulty occurs every single month and I end up struggling to pay the loan on time, simply because I can not get into my account to pay it. I am worried that this will affect my credit. I am not sure if it even is affecting my credit, but making it difficult to log in and make payments seems like a predatory way to collect late fees.
Consumer complaint received 2023-08-11
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)

XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and zero notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change may have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX XXXX supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXX XXXX  to have requested returns ). This happened on XXXX XXXX, and payments were sent within one hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX  violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX XXXX that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account may have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (IL)

I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS 7TH NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS CREDIT BUREAU CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS CREDIT BUREAU IS NOT HONORING MY RIGHTS AS A CONSUMER.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio RC is using tactics of harassment by calling, texting, Emailing and letters about a debt thats not mine.From 2018 that I did not obtain. The 2 account were opened falsely in my name and they said because they have my name and social that I have to accept this debt As thats the only proof they need that it was mine. I did not have these account inXX/XX/XXXXI believe my information was used by somebody I know without me knowing or my information was taken.
Consumer complaint received 2024-09-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I just checked my report and realized credit acceptance has listing the fraudulent account as late even after the repossession. It shows on my account that the vehicle has been late every month. That there is XXXX late payment. And XXXX  hasnt owned the car for XXXX  months. After that repossession there was no agreement in place to pay anything monthly. So whats late? They still have the full balance showed on my credit report. But to mark something late after an account was closed and there wasnt an agreement to pay is straight up illegal! Also there were belongings left in the vehicle worth a lot of money me or XXXX  never retrieved due to towing agency saying accusing me making threats I was told all our belongings was thrown away. So how will we be reimbursed for all the belongings taken and thrown away
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (AL)

I previously reported this debt collection agency. They responded and stated they do not have to provide a purchase agreement. Another letter was sent to National Credit, informing them to send a purchase agreement and debt validation document. This company is a debt collector and they did not provide any of this information. I want the debt removed from my credit file.
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

This transaction happened on XX/XX/2023 XXXX I went to a gas station in my local area and I went to gas station pump the pumps have XXXX XXXX as my credit card is the XXXX credit card. 
I used XXXX XXXX on the pump and the pump didnt go through the first time the pump showed XXXX as I had been charged nothing. So I then went inside and paid {$XXXX} on XX/XX/2023 at XXXX using my XXXX XXXX inside the gas station. That was the correct charge the {$XXXX} Then the next day I see a charge on my credit card of {$XXXX} from the same shell I was at the transaction was XXXX minutes before my actual transaction. I think the pump scammed my card and my bank Goldman Sachs Ive been trying to dispute the charge for over a year. Every time I dispute it, the charge comes back as in favor of the merchant. I called my credit card company and they told me the merchant had provided proof of the purchase on XX/XX/2023. I asked for proof of this because how would they have proof of a transaction only if they really did wrongfully charge me {$XXXX} unauthorized. My credit card company said they would email or mail the proof and havent. Ive reached out to the XXXX and they are no help and tell me to talk to my credit company and my credit card company wont help me so I would appreciate the help thank you please reach out if you need more info. The only proof I have are of the transactions on my credit card.
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (TN)

Received call on Tuesday, XX/XX/2023 at XXXX from phone number : XXXX. I took the call and only said hello. They asked for XXXX XXXX ( my name ) and said I confirmed I was him. They mentioned my address and asked me to confirm. I asked who they were, they said CBE Group. I told them I am unaware of who they are and they said that is why we are wanting to confirm your information. I XXXX them while on the call and saw they were debit collectors. Any outstanding debts I have, I am on payment plans and have been making them on time. I have received no collection notices in the mail. I told them I am unaware of who you are, so I am ending this call.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (VA)

I paid a charged off account that I had with XXXX in the amount of {$740.00}. The first payment was made XX/XX/XXXX  in the amount of {$50.00} and the second was made on XX/XX/XXXX  in the amount of {$690.00}. 

Towards the end of XXXX I received a notice that a new collections account was reported on my credit reports from Jefferson Capital. Jefferson Capital shows that I owe {$740.00}, since apparently they purchased the account from XXXX. This is not accurate as I paid XXXX in XXXX. 

XXXX sent me an email after an inquiry from me telling me that they would forward the payment in XXXX. I contacted them today, XX/XX/XXXX, and now XXXX is telling me that the payments are pending ( which is not true as I have proof that they posted from my bank accounts ). Makes no sense to be pending since they were made over a month ago. They say somehow Jefferson Capital should have access to that ( which makes no sense since I paid it on XXXX 's website ). Jefferson Capital says they should have received the payments since they were paid so long ago. 

I don't know who is in the right and in the wrong but I know that my account has been paid and it's now being reported incorrectly on my credit report as a new Jefferson Capital collections account with a balance even though it was paid before Jefferson ever showed up on my credit report. This is not accurate and needs to be resolved by both companies.