davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (IL)

I WAS NOTIFIED BY MY ONLINE BANK CHIME BY MESSAGE AND ASKED IF I REQUESTED CODE NUMBERS. I CALLED ASAP AND THE GIRL WHO ANSWERED DIDN'T HAVE AN ANSWER TO HELP WITH THE ISSUE. WHEN I LEFT WORK I ASKED FOR A CALL BACK FROM MY CHIME APP AND I WAS CALLED BACK FROM THEIR CORRECT NUMBER. I WAS TOLD MY ACCOUNT WAS COMPROMISED AND THEY NEEDED TO TRANSFER MY SAVINGS TO A NEW CHECKING. THEY KNEW HOW MUCH WAS IN EACH ACCOUNT I HAD AND NEVER ASKED ME FOR ANY OF MY INFORTMATION. I WAS HESITANT AND LOST THE CALL BECAUSE OF SERVICE WHERE I WAS SO THEY CALLED BACK. WE WENT BACK AND FORTH SERVERAL TIMES AS CAN BE SEEN ON MY CALL LOG. THE NUMBER WAS ALWAYS THE SAME CHIME PHONE NUMBER. DURING XXXX OF THE CALL BACKS I HAD A VOICEMAIL LEFT FROM THE CHIME NUMBER STATING TO CALL THEM BECAUSE FRAUD WAS SUSPECTED AND IF I DIDN'T CALL BACK THEY WOULD PUT A HOLD ON MY ACCOUNT. I DIDN'T GET THAT RIGHT AWAY BECAUSE I WAS ON THE PHONE WITH THEM AT THE TIME... OR SO I THOUGHT. BUT SINCE I DIDN'T CALL BACK THEY SHOULD OF PUT A HOLD ON MY ACCOUNT TO PREVENT ANY FRAUD AS THEY SAID. I CALLED THEM ASAP WHEN I REALIZED WHAT HAPPENED AND THAT I WAS SCAMMED. THEY FILED A DISPUTE ALTHOUGH I KEPT TELLING THEM I WAS SCAMMED. I SENT THEM EVERYTHING I AM SENDING YOU AND THEY DENIED MY DISPUTE. I CALLED THIS MORNING AND ASKED FOR THE DISPUTE DEPARTMENT AND THEY REOPENED MY CASE. THEY TOLD ME THEY ONLY SHOWED XXXX CALLS BETWEEN ME AND THEM AND I INFORMED THEM THAT MY CALL LOG CLEARLY HAS SEVERAL CALLS TO AND FROM THEIR NUMBER AND MYSELF. MY MONEY IS SUPPOSED TO BE PROTECTED BY THE FDIC AND FROM FRAUD. IF THEY LOOK AT MY HISTORY THEY CAN SEE THAT I DON'T USE MY ACCOUNT LIKE THAT. THEY DIDN'T CALL ME OR ASK ANY QUESTIONS ABOUT ANY THING I SENT THEM. THEY TREATE IT LIKE I JUST SENT EVERYTHING I HAVE IN THE WORLD TO SOMEONE WITH THEIR COMPANY EMAIL ADDRESS. THIS WAS FRAUD AT ITS FINEST AND THEY STILL DIDN'T CLOSE MY ACCOUNT DOWN AFTER I FILED THE CLAIM. I HAD TO DO THAT. THEY DON'T SEEM TO BE CONCERNED THAT THEIR SYSTEM WAS HACKED. I LOST {$3000.00} TO THESE THESE SCAMMERS AND BY BANK IS TREATING IT LIKE I HAD A CRAZY MOMENT AND DECIDED TO GIVE MY MONEY AWAY. CHIME BANK IS BACKED BY XXXXXXXX XXXX. I HAVE NEVER HAD AN ISSUE WITH THEM UNTIL NOW.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates , LLC is in violation of Texas DCA, FDCPA, Privacy Act as well as other Federal and State violation. I demand for them to cease and desist their misleading communications using false allegations without verification 15 U.S. Code 1692c ( c ). This company is trying to extort money from me as well as traffic my information. I have no business with them nor have i authorized any such actions against me. This is abusive business practices using my private informations causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company shall be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies.
Consumer complaint received 2024-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XXXX sent you confirmation that they received all payment from me XXXX through XX/XX/XXXX the credit report state " PAID AS AGREED '' you also in your letters to me verify that at a minimum XXXX  rec 'd XXXX payments for XXXX with {$1100.00} unapplied in escrow when you rec 'd the Mortgage on XX/XX/XXXX Explain in detail how you calculated payments were due from XX/XX/XXXX which is what is included in your complaint send the documentation that proves payments are owed from XXXX XXXX despite the fact that XXXX says all payments were made XXXX through XXXX of XXXX in your letters to me you admit XXXX received XXXX payments of {$840.00} there's a excess funds of {$1100.00} why wasn't that applied to the XXXX payment?
Consumer complaint received 2024-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

pursant to 18 usc 8 I owe no debt, this company is violating my consumer rights to privacy pursant to 15 usc 1681 b 2. Company has no permission to report anything using my information pursant to 15usc 1681 4.
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Credova Holdings Inc (MI)

My complaint is regarding a company named Credova. This company had provided financing for a purchase. During the sign up process it was made apparent that automatic payments would be deducted for my account every month. However in the week prior to this automatic payment posting I went on their website to verify that the payment was pending and was about to go through. However on the website they showed no instance of a pending payment even a day before the payment was supposed to be posted. There was also no indication that the automatic payment plan even applied to me because it showed me as not being on such a plan on the websites profile status. I then took it upon myself to use the single payment option to make a payment in advance. After filling out the form and agreeing to a {$10.00} fee I instituted a single payment. However there was no confirmation that the payment actually went through the form remained on its site with no confirmation direct. I then clicked the pay button again with the same result nothing happened. The next day my automatic payment went through. The day after that two additional payments went through. The only email confirmation of payment was for the automatic payment but for not the other two. A {$10.00} fee was charged for each manual transaction. After getting a hold of Credova financial they said that they would refund me the amount acknowledged that there was no confirmation on the website and acknowledge that they had not sent me any confirmation emails for the two manual payments however they refuse to refund the {$10.00} fee and and stated that it would take a week to refund the money back into my account. This payment was a EFT which should take a lot quicker than seven business days. So was I deprived of {$400.00} for over a week they took the two transaction fees and kept it. Upon calling customer service they refuse to refund those fees saying that it was my fault even though the poor design of their website lack of payment confirmation and lack of confirmation via email will entice future customers to make this same exact mistake, in essence they're fishing for fees and using them for profit because EFTs do not cost {$10.00} per transaction, they can be done for a dollar at XXXX XXXX.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc (GA)

Chime has made incorrect information on my report, per FCRA all information shall be reported correct and verification of debt. 
I am wanting this deleted immediately as my identity was stolen and I have no knowledge for any accounts within these companies and never lived at this address.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

According to 15 USC 6801, 6802, 6803, 6804 privacy of nonpublic information. This information MAY NOT be disclosed, since the " account '' numbers of these said accounts, my SOCIAL SECURITY NUMBER these do not fall under the nonpublic information. If my social was not release to these debt buyers, then how do they report on my credit reports? I did not have a signed contract with these debt buyers and they have no right BY LAW to my " account '' number NOR are they suppose to have access to MY NONPUBLIC SOCIAL SECUIRTY number.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates has been reporting the account as Unpaid up to the date with an open balance of {$490.00}, I created disputes thru XXXX and XXXX on XX/XX/XXXX, both disputes were declined and marked as completed saying the unpaid balance is accurate, I was advised to contact the company, which I did on XX/XX/XXXX and XX/XX/XXXX, I was told by the agents that my account was not being report to the Credit Entities and the original creditor might be reporting it ( XXXX XXXX XXXX XXXX XXXX XXXX, they also provided me with the letter about my account being already settled and showing a {$0.00} balance thru email, because the physical letter was sent to me in XXXX, I also inquired with XXXX about the reporting entity, they confirmed the reporting part was Portfolio recovery associates. the debt was settled and paid on XX/XX/XXXX, the letter about the settlement being paid is dated as XX/XX/XXXX but in XXXX, the copy sent to my email in XXXX is dated as XX/XX/XXXX.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

My. Wells. Fargo. Acount. Was. Hacked. Several. Times. And. Wells. Fargo. Refuses. To. Credit. My. Acount. Even though. All. Requested documents. We're. Forwarded. To them and. Submitted. To. Them and. Refuse. To. Cooperate. With. Me. XXXX XXXX. Customer. Of. The. Bank. Creating. Problems. For. Me
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (MA)

I am writing to formally complain about Apple Card continued reporting of a fraudulent account on my credit report, despite my prior request to cease this activity. This account was opened without my consent as a result of a data breach, making me a victim of identity theft. Although the account was initially removed, Apple Card continues to report it, which is not only illegal but also a violation of my rights under the Fair Credit Reporting Act. I demand that Apple Card immediately stop reporting this account and that XXXX ensures its permanent removal from my credit report.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-08-17
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: DISCOVER BANK (CA)

In XXXX I filed a complaint to discover bank regarding the 30 day late they reporting to the 3 major credit bureaus XXXX XXXX and XXXX. The 30 day late was due to my credit card being stolen and used fraudulently. Discover bank disputed the fraudulent charges and reimbursed me those funds since they verified that they were fraudulent inquires. Discover bank still has not removed the inaccurate 30 day late they reporting to the credit bureaus in XXXX which were a direct result of those fraudulent inquires. Please contact discover bank and finish the investigation and remove that fraudulent 30 day late they are reporting to XXXX XXXX and XXXX. That is due to the fraud transactions and I should not be held responsible. If this issue is not resolved I feel obligated to pursue this with legal action. Discover investigation team please make sure to respond to me with results and don't close this complaint I am submitting without give me results and saying you are working on it because discover bank is not helping me and the costumer support they offered me was horrific and I will contact the XXXX as well. 


Discover Bank reported a 30 day late payment to the 3 major credit bureaus XXXX XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my discover card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been discharged a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and discover should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. Discover failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against discover in the small courts claim where I have all proof to show discover is breaking FCRA laws. I have been with discover since XXXX and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I have received numerous letters from Portfolio Recovery regarding charges on a XXXX Credit card. I have never had a XXXX credit card. I requested information about this. They have sent me payments made and most of the payments have been reversed. XXXX made on XXXX XXXX,2022 for {$360.00} was made from XXXX, Georgia. Also statements were mailed to XXXX, XXXX where I have never lived. Someone has used part of my social security card. I have to file a police report in order for XXXX XXXX to continue to find out who is responsible. I know I never opened up an account. Your help would be greatly appreciated. The original creditor was XXXX XXXX Bank, Seller then was XXXX Bank and it is now Portfolio Recovery.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc. (MA)

XX/XX/XXXX : received fraudulent cash app credit card made under a previous legal name that I haven't used in 10 years. 
XX/XX/XXXX : opened case # XXXX over the phone to have card closed and charges removed, did not receive a follow up email XX/XX/XXXX : called XXXX 3 times to speak with fraud department. Was hung up on 3 times because I was unable to verify the account- it was made with a different phone $ and/or email account than my own. I was able to find out that a charge was made to the account on XX/XX/XXXX ( after I had already called to report the fraudulent account )
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have not supplied proof under the doctrine of estoppel by silence. XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX I May presume that no proof of the alleged Debt nor therefore any such debt in fact does exist. 

I did not contract with this company or aware of debt with this company 15 U.S. Code 1692c - Communication in connection with debt collection U.S. Code Notes prev | next ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

XXXX issues with Chase Bank ! Bank freeze my account! I stop on check chase put 8 day hold on it! Chase Bank hold account bank no money or debit! Call chase bank number provided text message! Chase Bank permissions call other bank while phone! I told no felt violation of privacy & banking! Chase Bank account frozen access anyway even before call chase bank stated no! I havent my money or any direct since XX/XX/XXXX. I have gone in person XXXX twice this XX/XX/XXXX & XX/XX/XXXX XXXX chase bank in XXXX XXXX! I cant truth on phone or in person about access money & direct deposit! XXXX denied received direct deposit! I had evidence from Both employer! I able recover XXXX XXXX recovers sent message secure banking show up after 2 days! Now took today after left chase Bank in person in XXXX positive balance! XXXX gone bounce check fee only one stop payment! Never had to money XXXX had been hold! Never take money out atm since bank chase! Track money in account! I didnt owe chase any money double bounce check fee! Chase Bank of phone XXXX close & receive daily statement account was positive XXXX XXXX XXXX XXXX/XXXX/XXXX! I am direct deposit Chase bank on phone XXXX customer service XXXX XXXX pending chase rejected closed my account yet! In person same direct showing up! XXXX sent back employer on XXXX  which proof going chase bank! Also XXXX cent another employer XX/XX/XXXX XXXX! I have proof employer payroll statement from employer money sent chase bank! Contact employer hasnt received back from chase bank! Account closed after left chase bank XXXXXXXX XXXX Chase Bank awful customer service easily deceive customer telling truth on voice recording on there part! Chase Bank deceived banking practices. Definitely take advantage of customer.
Consumer complaint received 2024-08-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I received XXXX American Express gift cards from my boss as a gift. I tried using them and they declined everywhere. I tried checking the balance and activating the card on the American Express website, but it did not work. I called their customer support, and the representative told me that the card was " closed '' and the balance had been sent to unclaimed property. I told her that I am confused, because the card expires in 2029 and the back says the funds never expire. She would not answer my questions and said I have to contact my state unclaimed funds. I don't know how I could do that when the card was a gift, since it is a gift card I don't know who the funds would be associated with. 

There are XXXX gift cards, their numbers are as follows : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (TN)

-I requested a Debt Validation Letter, from XXXX  XXXX : Partial Act # XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ( XXXX SEPARATE ACCOUNTS ) that would provide a signed contract/agreement along with Terms to repay Valid Debts -I received an account statement, which is insufficient to validate an alleged debt -I then told the XXXX  XXXX corporation to Cease all Communication and Contact with me, as it pertains to each account and any alleged debt -This accounts were CHARGED OFF in XXXX of XXXX, yet XXXX  XXXX is continuing to negatively report and COMMUNICATE information pertaining to these accounts and Alleged Debt to all of the credit bureaus & credit reporting agencies XXXX 
-This is a direct and blatant violation of 15 USC 1692c. I want all reporting and Communication, as it relates to this account and any alleged debt, to cease and desist immediately, or legal action may be my only recourse and remedy.