davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Lendbuzz Inc. (TX)

On XX/XX/year>, I went to XXXX XXXX and got approved for a car loan through lendbuzz. I signed my contract and provided every piece of information that I possibly could for this company, only for them to send me an email stating that my loan couldnt be approved for misinformation. This has to be a joke. I signed off on the contract on XX/XX/year>. Now here we are on XX/XX/year> my loan is all of a sudden not approved, when I paid my down payment and drove off the lot with the car. I was told that my deductible was too high and I made the necessary changes and this company is still making excuses. I have documentation of EVERYTHING!!!
Consumer complaint received 2024-09-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (SC)

XXXX XXXX has assigned another collection attempt with Jefferson Capital System again and they have put another derogatory collection against my personal credit. I have called Jefferson Capital System about this illegal collection action against me and you have on file my complaint against XXXX XXXXXXXX XXXX XXXX. At this point as consumer when will the Federal Trade Commission do something about XXXX XXXX illegal collection actions against me. I want XXXX XXXX to pay me for slander and damaging my credit rating which is costing me money.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (NM)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-09-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX requesting ( XXXX ) verification of the debt and ( XXXX ) for all future communication to be via mail or email. XXXX has contacted and/or attempted to contact me by phone on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, of XXXX.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

Loan was paid on XX/XX/2024 The bank drafted the same amounts again on XX/XX/2024 and will not reverse or return my funds. My account is now overdrawn.
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (PA)

I made my loan payment 1 day before it was due ( XX/XX/year> ) using my debit card which I keep locked because of data breach from my bank. My first attempt to pay was declined because of the locked card. I then unlocked my card and made a successful payment. I was told my payment for XXXX was an automatic withdraw from my bank. Since I paid this 1 day early their ( system ) automatically took the first attempt to pay was used to make a payment for XXXX which was decline as I stated when I attempted to pay for XXXX. Then the second and successful attempt to pay for XXXX was used to pay my XXXX payment by their ( system ). Since the first payment attempt was denied by my bank their ( system ) now says my XXXX payment is past due. So my early payment was used for XXXX payment and now in their ( system ) is saying my XXXX payment is late and that I need to Pay my XXXX payment and my XXXX payment also to become current. I reached out to their chat on the app. Was told by the chat person that she had a resolution for me and ended the chat abruptly. Nothing happened My second attempt on their app I was told no one in their company could do anything about this I questioned her to ask if someone could fix this and was told what happened in their system again and that no one could adjust this or fix the ( systems ) mistake. I then called them and was told the same thing by the person I spoke to. I then asked to speak to his supervisor and when talking with him he explained the ( systems ) mistakes. I ask him if anyone in the company services their ( system ). I was told no one in the company had anyway to fix this. I did not make a mistake but their system did and I am left with a payment made for XXXX, a unsuccessful XXXX payment and to top it all off according to their ( system ) I still owe my XXXX payment which is what I made the payment for in the beginning
Consumer complaint received 2024-09-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (GA)

In XXXX Igot a loan from Wells Fargo forXXXX to buy a XXXX XXXX  mobile home .I put up XXXX XXXX  of land to get the loan Every thing way escrowed in to one payment. The bank took care of everything. 
I was a first time buyer I did not check anything just tried to make the payments. 
As time when on every year Imy payment would go up I never made a inc, claim. 
I had a hard time from the begaining got behind a lot in XXXX I got what I thought was a loan modification but it was a a loan forbearance In XXXX Wells Fargo sold my loan to XXXX XXXX XXXX bank. 
In XXXX I got behind and my house when in to foreclosure I sold it for XXXX  the pay off was XXXX after 17 year of paying on a XXXX loan I still owed XXXX but at closing I only got XXXX they said I owed well forgo XXXX dollar I checked in to this and in my closing paper in XXXX the mobile home is stated to be a stick built home on solid foundation!! And on the XXXX paper that is what it inc. for after 15 years I changed inc. got it for XXXX a year the year before it was XXXX a year I got a check XX/XX/XXXX for XXXX wells forgo it didnt not say why my loan number was XXXX
Consumer complaint received 2024-09-14
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Fuel Capital Group (NC)

I was financed a loan back in XX/XX/year> after not even having the car 3 weeks so many issues started occurring I kept communication with strike Acceptance and also the dealer who sold me the car to let them know the car had a lot of repair Issues I kept getting the run around and even calls ignored I let Strike Acceptance know after spending well over XXXX on repairs and labor on the car that it was nothing else I could do the engine went out I was so XXXX XXXX XXXXXXXX about this I put XXXX down and couldnt drive the car i started experiencing issues within 3 weeks of having the car I was even still making the payments on the car while it was constantly in and out the shop because I was really tying to become a home owner and didnt want to harm my credit well it still effected my credit I called strike to come and get the vehicle after I was quoted XXXX for a new engine would you believe they wouldnt come get it! It was months later before they came and got the vehicle They harassed and threatened me the whole time I was told I had to pay the loan off because they approved it and I owe them the money back they didnt care or have any concerns on how this was all effecting me they just wanted money which I was all out of I had nothing else to give or pay I was already in a financial hole trying to pay and fix a vehicle that I shouldnt have had too especially just after 3 weeks I also had to pay to put a warranty on it since i couldnt get anything situated I put a lawsuit out on the dealer who sold me the car I let Strike Acceptance know of that also they brushed it off as if they didnt care and proceeded to constantly call and harass me about money that I told them numerous times I wasnt paying anything else on a car that I dont have in my possession and thats not even running I won my lawsuit against the dealer obviously the judge ruled in my favor because it was true that I was indeed sold a bad car! The dealer appealed the case so now its ongoing I tried everything to settle this matter before court nothing was able to get accomplished so now he we are back and forth to court I just want these people to leave me alone they are scammers and work along the dealer they have a bad rep where more than one person is saying the same thing about them Im still without a car but Im going keep fighting in court until i get whats rightfully owed to me!
Consumer complaint received 2024-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

XX/XX/XXXX I have tried to wire Earnest Money for the upcoming house purchase from my Marcus by Goldman Sachs Savings Account, but it did not go through. XX/XX/XXXX Marcus bank representatives have tried to reach my cell phone and left me a voicemail, so I have called them at XXXX ( XXXX ) XXXX and learned that my account was on hold. In order to remove the hold, we would need to verify my ownership of XXXX linked external accounts. It was not possible, as XXXX XXXX  ( they kept the bank in XXXX XXXX XXXX  ) has now been closed. Marcus bank have said that their team will review and remove the hold soon. XX/XX/XXXX I have called them again to learn that the account is still on hold. They have mentioned that, if they are unable to get in touch with XXXX XXXX, it will take them at least 7-10 working days after send the bank statement to their office over the mail. I have a closing date on the house XX/XX/year>. The deal might go down just because I made a mistake trusting Marcus bank with my down payment money. I have tried calling them today, but they have put me on hold for 30+ minutes. 

ID Verification process in Marcus bank is also very odd. They always say that they are unable to verify the caller using the phone number I called from, and they ask if there is another cell phone I have access to? I do not have 2 phones. After that, your luck depends on the Marcus bank phone operator - whether they can ask the questions about your related past addresses/cities/cars and verify your ID, or whether they put you on hold every 5 minutes. After that, their operators have been twice disconnected during 3 way calls with representatives of one of the linked external banks. I am also attaching screenshots of call logs. All together I have spent over 2.5 hours trying to remove the account hold. 

Please kindly help me to expedite the removal of the account hold. Please let me know what can be done from my side to help.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (ND)

My husband and I have a joint checking account. Unfortunately on XX/XX/2024 my husband was a victim of fraud. He received a call from area code and when he answered the person stated he was a XXXX XXXX he stated his name and badge number. The reason for his called was to collect fees for not attending jury duty. He said he owed XXXX for not attending. And that he had to paid immediately. Of course my husband got scared because he in fact has missed XXXX jury duties and got scared. The XXXX  provided him with his Full name and birthday and my husband really thought he was a police offer and proceeded to make the payment via an atm. The XXXX stated if he didnt make the payment he would go to jail. But when my husband made the first payment of XXXX $ thats when he said the XXXX was switching up his story and thats when he said he was going to the police department to figure this out. The man on the phone told him no not to go because he was going to get booked. Thats when my husband called me and was telling me a quick summary of what had happened and I told him immediately to go to the police department and file a police report. Then I proceeded and called my bank right away I told them what happened they said they were going to help and solve this problem yet once they concluded their investigation they denied the claim and said it was not fraud since my husband did pin validate the transaction. So we are lost for XXXX XXXX
Consumer complaint received 2024-09-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United PanAm Financial Corp. (TN)

To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account name : United Auto & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. Sincerely, XXXX XXXX
Consumer complaint received 2024-09-14
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: U.S. BANCORP (NM)

On XX/XX/year>, I opened a dispute with this bank regarding a charge for {$110.00} at XXXX XXXX XXXX XXXX XXXX. The bank sent a letter asking for additional information but stated it was optional if I only have such additional information. On XX/XX/year>, I received a letter stating that the bank had reversed the dispute against me because I hadn't responded to the letter. The letter was stated as optional so this submission shouldn't have affected the outcome of the investigation if I had no further information. The bank is deliberately being deceptive and not honoring my rights under the Consumer Credit Protection Act by conducting a proper investigation.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (CA)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

I got a summons in an amount of XXXX. On XXXX XXXX  XXXX XXXX  which was turned in to Portfolio Recovery. I did not use this card My ex husband used it when the divorce was final I know nothing about this card where it was used or anything The summons was filed on XX/XX/year> I just received on XX/XX/year>. I have called XXXX them selves and filed for fraud I am now trying to hold of portfolio recovery to report fraud to them
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (IL)

During Covid 19 I have asked plenty of times for hardship since I was a single mom during Covid-19 and let go due to Covid-19. I called pleading for help. Ive manage to keep myself float but with a baby and working by myself with everything and anything that came. I can no longer pay these credit card companies and no one wants to help. According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove all negative items. Thank you.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (WI)

In XX/XX/year>, I started to work with XXXX XXXX for the purpose of restructuring my credit card debt. They were authorized to assist with the balance and credit card debt for my Business Credit Card for XXXX XXXX XXXX, XXXX XXXX XXXX. All of the documents completed with XXXX XXXX were just for me individually and did not include my husbands or his accounts at all. 

On Friday, XX/XX/year> my husband informed me that his own business credit card was no longer functional. I am not a card holder of this card or account. He contacted US Bank and they told him that they shut down his card because of my work with XXXX XXXX and that he should call XXXX XXXX. My husband has attempted to call XXXX XXXX with hours on hold and messages left. 

On XX/XX/year> I was traveling to XXXX for business and attempted to make a purchase and our joint personal credit card was not working. I called US Bank and they informed me that our Joint Personal Credit Card account was closed. Multiple calls were made to US Bank Credit Card Customer Service and I was passed to XXXX XXXX and spent several hours on hold. I also attempted to call customer service of XXXX XXXX for them to assist with the discussion and after waiting for 90 minutes on hold, could not continue to wait. 

My husband has repeatedly called US Bank XXXX XXXX and left multiple messages about this situation without a return call back and the continued problem of repeated transfer of our calls from department to department, each time needing to repeat the story from the beginning without a solution. We have gone to the local branch to ask for assistance without a response from the branch manager as to who we need to contact to address this problem. 

When I last attempted to call US Bank they told me that this is what you get for involving a company like XXXX XXXX. 

To date, we have not been able to successfully reach anyone in the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX for our credit card accounts to effectively discuss the problems we are having. 

We have had no phone call, written correspondence, or any form of communication to reach us to discuss or warn that our credit accounts would all be shut down and that {$11000.00} of credit card rewards cancelled. I was in XXXX traveling for work with no ability to pay for my travel and expenses given the abrupt nature of these cancellations and no warning that my available forms of payment would not work. I caused a considerable amount of stress and no available assistance or support as this problem evolved. 

To date, we have had no resolution or ability to reach US Bank.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

This issue is with Bread Financial, AKA Comenity Bank. I have a past due balance of {$98.00} due on my card, overdue 60 days. I have been receiving calls from multiple different phone numbers, included Unknown and Blocked Callers. I receive multiple calls and voicemails every day. On XX/XX/XXXX, I received XXXX calls from XXXX different phone numbers. Three voicemails were received yesterday that I have saved. On XX/XX/XXXX, I received XXXX calls and XXXX voicemail. On Tuesday XX/XX/XXXX, I received XXXX calls and XXXX voicemails. This has been ongoing for a few weeks and all of the calls are logged in my phone, as well as voicemails. I have answered once and explained that I'm waiting for a XXXX  loan disbursement for the XXXX XXXX before I can make a payment. I'm not sure how else to stop the repetitive calls.
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

XXXX This is the reference number for filling Identity theft. Also Ive file for my ssn to be placed on fraud alert. Once again this situation occurred on XX/XX/year>, which my Identity was stolen by a possible cash app employee which XXXX is registering them to be in XXXX. They were able to access my full cash app profile and change all my personal information to their information which listed them in XXXX and was able steal my available funds in Cash App and also drain my checking account with XXXX point credit union ( XXXX ) dollars. I have sent in numerous of documents to prove that this has to be an inside job. Cash app has not being able to provide any information on why an employee was able to steal my identity from me or further investigate on who is behind the fake cash tags and phone number listed in XXXX. I havent been given information showing how this person is still able to hack into my cash app account and make changes even after stealing my money on XX/XX/year>. I Set up more protection steps that Cash app advised me to do and the profile got change again on XX/XX/XXXX, XXXX situation needs to be taken serious immediately and looked into. My Identity definitely has been stolen and is now reported. This person that is logging into the cash app account is XXXX XXXXXXXX and was able to send the money to XXXX XXXXXXXX XXXX the total amount is XXXX. I would like full documentation on why cash app has declined my refund. The screenshot proves the same thing Cash app is seeing that someone has stolen my ID and logging into my Cash App from a different location ( CA ). Cash App has documentation saying they protect their customers from fraudulent events. But at this time Im not protected and out of my money due to Identity Theft by a possible employee. Please research further!!!