davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (MI)

I received 2 emails and a text today XX/XX/year> Received emails from XXXX XX/XX/year> XXXX est " Meet your new Chime account '' XXXX XX/XX/year> XXXX est Your Credit Builder application is almost complete! '' I did not sign-up for a Chime account, nor did I consent to one being opened. I noticed the address information they have is from over 10 years ago but uses my current email and phone number. 

I logged into this account after resetting the password, locked the, and opened chat with an agent on the app on my phone. I requested that this account be closed, they gave a service request id of XXXX for my request. 

They opened this account without my knowledge.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (MD)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-25
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: Westlake Services, LLC (MD)

I got this loan to pay for school in 2021 paid this account off way before the time it needed to be paid off. Its showing I have late payments and marking the closed paid off account as a derogatory, which is hurting my credit and my chances to buy a home. I have requested them many times to remove the derogatory marks that I was never aware of and as well as delete the accounts off my credit report. Ive 2 accounts with them 1 personal loan and 1 auto loan and because of them Im not able to get a good apr on a house Im willing to buy. Please have them delete both of the accounts on my credit report or have them remove all the derogatory delinquency mark off of my credit report. Thank you, I need to updated as soon as possible as Im bout to finish my lease and almost finalizing a mortgage.
Consumer complaint received 2024-07-29
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TomoCredit Inc. (PA)

Subject : Complaint Regarding TomoBoost Product by Tomo Credit Dear CFPB, I am writing to file a formal complaint against Tomo Credit concerning their TomoBoost product. Despite multiple attempts to contact Tomo Credit 's customer support via phone, online chat, and email ( XXXX ), I have received no response for over a month. 

I initially subscribed to the TomoBoost service with the expectation that it would provide the benefits promised during sign-up. However, the service has failed to deliver these promised benefits. Consequently, I decided to cancel my subscription. Despite my repeated requests for cancellation, Tomo Credit has continued to charge my credit card {$80.00} per month for the past 10 months. 

In an attempt to stop these unauthorized charges, I canceled my credit card. However, Tomo Credit somehow managed to obtain my new credit card number and continued to charge me. 

I am extremely concerned that no other complaints regarding this issue have been filed with the CFPB, despite numerous similar complaints on various Internet forums, including XXXX. It appears that many other consumers are experiencing the same difficulties with Tomo Credit 's TomoBoost product and are being ignored. 

Sincerely,
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of XXXX XXXX, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/year> I received an alert from XXXX and many other credit monitoring companies there was a collection that hit my credit. I located the number on the XXXX report, and I contact the company. I spoke with rep XXXX XXXX and he was extremely rude. I asked him why I didn't receive a communication from the company in regard to this collection before placing it on my credit? He explained because the company TransWorld didn't purchase the collection they inquired it. Which means nothing, per the Fair Debt Collection Practices Act requires the agency to send a written notice within 5 days of first contact, which is a debt validation letter and that was not done. Also, this company doesn't have a license to collect within the State of Texas.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Fraudulent check, fraudulent XXXX  transfers were made out of my Wells Fargo bank account. I have filed a claim and closed the account. I have asked for follow up on the multiple fraudulent transactions by contacting the fraud department. Was told I would receive a call back from an XXXX and I have not. It has been XXXX business days. Was told that they will only cover charges made in the last XXXX  days on my call today but still have had no follow up from investigation and no accounting of what charges have been disputed and what charges have been credited. Need clarification on how these charges were made without my authorization and what findings the investigation has made.
Consumer complaint received 2023-11-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (WA)

On about XXXX XX/XX/XXXX, I left XXXX XXXX apartments in XXXX Wa. On about XXXX XXXX I received a bill for approximately XXXX dollars for final move out expenses. I paid this amount in full on the apartments online payment portal on XXXX XX/XX/XXXX. 
On approximately XXXX XX/XX/XXXX, I received a call from IQ data, a debt collection agency, that I had an outstanding debt of XXXX dollars, and with their processing fees the owed amount was XXXX. The call seemed to be a scam, and I was confident the bill was paid so I told the caller I would not pay the amount until I did some research and reached out to the apartment company to validate that the debt was not paid. The caller immediately shifted to high pressure tactics and threatened action on my credit report if I did not pay. I told them I would not pay until I resolved it with the apartment. 
I then called the apartment and determined a debt had been sent to collection, however the apartment employee did not have access to my account, so was unable to access any of my online portal payments. The next day the collection agency called me and again pressured me that if I did not pay my credit score may be adversely impacted and pushed further on high pressure tactics. I was confident that the agency was not a scammer and the caller told me that I could pay the amount under a dispute, where the agency was required to follow up with resolution on my dispute. I payed under protest with the intention if the debt was reported incorrectly I would dispute it with reasonable resolution. 
On the XXXX of XXXX, XXXX XXXX was able to access my file, and through my banking statements I was able to cite the day I payed the XXXX dollar bill and they were able to prove I payed the bill on the XXXX of XX/XX/XXXX and they incorrectly contracted my paid debt. They emailed me and IQ data the XXXX balance receipt and reported that I was paid up. 
After a month, and reaching out to IQ data on a status, I received no follow up and called IQ data to get status on my dispute. The operator was rude, indignant, disrespectful and refused to give me any status on my claim or point me to any direction on how to resolve the issue. His approach was similar in bullying high pressure tactics used to collect the debt. I have objective evidence the debt was paid properly and never should have gone to collections. Additionally I have email correspondence from XXXX XXXX to me and IQ data stating this. I have email correspondence of me reaching out to IQ data for follow up with no reply.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX Open Date XX/XX/2005 Balance : {$25000.00}. In 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc. (MA)

I opened a credit card and a credit history tracking subscription through a company called XXXX XXXX. Upon paying the subscription fee of {$70.00} per month, and also connecting my bank account details and sharing my social security number, the website seemed like a scam because nothing was functioning correctly. My credit score couldnt be pulled, when I connected my account, on some of their sites it would show up, but on the main page it would continue asking me to link my accounts. In addition, The website kept telling me my password was incorrect which it was notand when I changed my password twice through their password reset it was clear their website was the problem, and not a user error. As a consumer financial service this is highly unnerving because of the confidential information they have. This made me want to cancel and delete my account all together. And this is where the biggest problem lies. As hey have a {$70.00} per month subscription, it doesnt allow users to change or cancel their subscription online on their account nor does it allow users to delete their private information. Instead it asks for consumers to go through a help email which goes unanswered for MONTH on end, XXXX THE WHILE STILL CHARGING THE SUBSCRIPTION FEE. WHICH IS FRAUD. 

This coupled with the fact that this company now has all my banking and social security details, makes me very uneasy and worried for not only my but other consumers safety.
Consumer complaint received 2023-03-15
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: Experian Information Solutions 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 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 2024-07-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I was gifted AMEX Rewards Cards from my Employer. XXXX cards total. The card specifically states it can only be used online as it is a virtual card. No merchant will accept the payment? 
Card # XXXX : XXXX Card # XXXX : XXXX Card # XXXX : XXXX
Consumer complaint received 2023-03-15
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$17000.00}
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KY)

Cash app took {$31.00} without my permission. Me & my XXXX daughters were on our way home from a XXXX  vacation to our home in XXXX. I was going to get gas, but changed my mind and no transaction took place. Cash app has refused to refund my money. They have laid blame on the gas station, but the gas station has no record because there never was a transaction. I want to file a lawsuit because of cashapp we ran out of gas outside of XXXXXXXX XXXX & had to ask strangers for help to get home. It never had to happen and now they refuse to return my money. I am going to file a lawsuit.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

I have contacted Convergent Outsourcing multiple times demanding any and all documents, bearing my wet signature, showing that I have a legally binding/contractual obligation to pay Convergent Outsourcing {$770.00}, the payment history, and a breakdown of the bill in question, specifically naming the above company as a person/company entitled to enforce a commercial claim against me ... and my legal demands have went unanswered. I do not know this company. I have no business with this company. I do not owe this company any money. This company has falsely reported information to XXXX, XXXX, and XXXX which has resulted in defamation of my character. Furthermore, this company has created a deceptive image that gives potential & future creditors/employees the illusion that I am in debt or that I am liable for the alleged debt mentioned above. Any computer generated bill such as an XXXX bill is unacceptable.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

I had multiple transactions on my account this past weekend that I did not authorize. I lost my card Friday evening ( XX/XX/year> ) and over the weekend the card was used. I was unable to file a dispute for a pending charge so I had to wait until they all were completed.

After locking my card and reaching out to Venmo customer support they open claims for each transaction, not even 2 hours later every single transaction was denied and said they found it to be an authorized transaction. How?! I didnt do those transactions. Theyve cancelled my card and sent me a new one but are refusing to send me the money back. They also will not let me reply to the emails. I have no way of contacting their dispute department. This seems extremely unethical. How do you determine that almost {$400.00} worth of transactions were all accurate and were in fact done by me ( which they 100 % were not ) in just under 2 hours?
Consumer complaint received 2024-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

MOHELA is my Student Loan Servicer, and has been for decades. I am current on my payments. 

They recently switched to a new online system and told me that I had to create a new account on their new system in order to access my account info, payments, etc. 

In order to complete my new account I had to agree to their terms/conditions. 

This was in the terms/conditions, " License to MOHELA. By using this website you automatically grant MOHELA the royalty free, perpetual, irrevocable, non-exclusive, transferable right and license to use, reproduce, modify, adapt, publish, distribute, translate, create derivative works from, perform and display such content ( in whole or in part ) on the website or to incorporate it in other works in any form, without restriction or compensation. '' I don't understand what this means or what I am agreeing to. 

I called and the phone rep could not tell me either. They asked someone else who also did not know. The XXXX person, said that if I do not agree to these terms, which I do not understand, I can not access my account. 

I'd like to know what I am agreeing to. 

Thank you for your help
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc. (NY)

I am to formally express my concern regarding a recent experience I had with XXXX XXXX. I was under the impression that the services provided to me would be covered by my insurance, as confirmed by XXXX XXXX, who assured me that all bills would be forwarded to my insurance provider. 

However, despite this assurance, my insurance has declined coverage for the services rendered during my extended treatment, which was initiated based on the understanding that I would not be held responsible for these charges. This situation has placed me in a difficult position, as I had relied on the commitment made by your office. 

I would appreciate your prompt attention to this matter and hope we can resolve it amicably. Please advise on how we can proceed to address the discrepancy between the information I received and the subsequent denial from my insurance. 
Then the 3rd Party company responded back with this communication : Hi XXXX XXXX XXXX, We at XXXX are reaching out to you regarding your XXXX XXXX Contract ID : XXXX. 

We have repeatedly requested payments for your overdue contract with XXXX XXXX XXXX 

We might file a lawsuit against you for the above mentioned debt, it is hopeful that a mutually accepted resolution outside of a public filed litigation can be achieved. It is in the best interest of both parties to resolve this matter as soon as possible. 

We are even ready to offer you a settlement deal with a huge discount to further close this contract and moreover we will help to remove all negative reporting from the credit reports for this contract. 

Your total balance remaining on your contract is {$2000.00}, however we are ready to settle this for {$1500.00} However, in the absence of a reply from you, We might be forced to forward this to our legal team to initiate legal proceedings against you to recover this debt and update as refusal to pay to Credit bureaus. 

Looking forward to hearing from you positively as soon as possible! 

Please reply here or contact XXXX XXXX at ( XXXX ) XXXX between XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks and Regards,
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have valid properly notorized Power of Attorney Documents for my mother Virginia XXXX and Bank of America is violating the law in not honoring the document. BOA will not allow me to speak to someone directly about the decline and only wrote me a letter saying falsely that the document was altered and invalid. However the Power of Attorney office won't talk to me directly to explain the situation.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

My XXXX XXXX XXXX  consumer report shows that there's a derogatory account being reported with a balance of {$330.00}. The account information is coming from wells fargo checkings [ Routing # XXXX ] [ Account # XXXX ]. I do not believe its true. I am requesting that they send me a copy of all my account statements in order to verify the information. If the information reporting is correct then I am willing to settle the account.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX A XXX Opened XX/XX/XXXX Balance {$420.00} ; XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$1700.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance {$420.00} Opened XX/XX/XXXX Balance {$420.00} ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.