davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On the date of I believe my XXXX XXXX  on what appears to be XX/XX/XXXX I sent my sister out with my debit card and phone to add the cash to my debit card from my XXXX  I had about XXXX dollars from my parents and relatives however I wasn't able to add that instantly so I sent my sister out to get some XXXX between 2 days put onto my cash app card however she would go on to later while I was sleeping use my phone keep in mind she's my step sister and it's XXXX  and is heavily self-centered not her own fault she would use my money on some kind of XXXX XXXX XXXX  that I'm not able to find out what it is to but XXXX dollars worth of XXXX  I wasn't aware of this because I don't use my cash app for anything other than subscriptions such as XXXX XXXX XXXX XXXX and occasionally XXXX XXXXXXXX XXXX there is no record of me buying XXXX  at any point that I remember I'm personally not interested in it and there is no way in the last 2 months that I have bought any XXXX  now cash app claims that quote on quote according to what I'm seeing that I authorize this purchase however I did not and I'm not sure what to do ... the {$700.00} was sent to somebody named XXXX XXXX and I'm not sure who that is and I've never sent money to him at all until what apparently is XX/XX/XXXX at around XXXX and I'm not sure what to do... much help would be appreciated as when it comes to XXXX  there's not much I really can do and there's no way I can prove or disprove that I gave permission.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NJ)

I am seeking a goodwill adjustment for late payments on my Citibank/CitiCards account. Despite having made timely payments for the majority of the account 's life, a few late payments were reported due to a temporary financial hardship caused by unexpected medical expenses.

I have since rectified the issue, and my payment history has been positive. I have provided proof of consistent on-time payments since the late payments were recorded. I am requesting that Citibank/CitiCards update my account to reflect this positive payment history and remove or update the late payments as a goodwill adjustment, given my current status and the impact of these late payments on my credit score.

This request is made to improve my credit profile and rectify any negative impacts caused by the previously reported late payments.
Consumer complaint received 2022-02-11
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. (ND)

Request to have negative reporting information removed from credit report using the dispute option online, in addition to phone conversation with representative and results are being reported the same.
Consumer complaint received 2024-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
KIKOFF LENDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX KIKOFF LENDING XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

XX/XX/XXXX I was XXXX  by my XXXX XXXX  and I overly defended myself so he called the police and I was XXXX  XXXXXXXX XXXX. The next day after I was XXXX  i found out my car was broken into wallet and phone was stolen and my funds for my RENT were used. I have made chime aware of this situation but they have only denied me saying atm withdrawal no error this is indeed an error because I was in XXXX  and did not authorize anybody to XXXX  from me and break into my car. Im very disappointed in chime Ive been a customer for over 8 years
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$640.00} ; XXXX Balance : {$430.00} ; XXXXE XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NY)

My identity was stolen in or before XX/XX/XXXX, at which point I placed a fraud alert and credit freeze on my XXXX, XXXX, and XXXX files. 

On XX/XX/XXXX, I was contacted by Debt Collector Hunter Warfield ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX ) regarding a debt with my stolen identity, referred by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX ) in the value of {$17000.00}, for a contract that began in XX/XX/XXXX. This rental was done with my stolen identity. 

When I informed the debt collector that my identity was stolen, they had indicated that I would need to take steps to file a new police report and have an investigation done on my own. When I indicated that I can provide sufficient evidence that this was through a stolen identity, they did not wish to cooperate with me, and instead, said that the burden is placed on me to resolve the issue. 

When I called XXXX XXXX XXXX XXXX to see if they can resolve this, they said that because they already referred it to a debt collector, they can not help me, despite the fact that I had indicated that they had initiated a rental on a frozen credit report with a fraud alert without taking further investigative action.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

This is about a complaint about Select Portfolio Servicing XXXX. 

My husband and I had to close to our XXXX XXXX  due to XXXX and as such had to file for bankruptcy on XX/XX/year>. We still wanted to keep our mortgage and continue making payments ; however, due to the stay in our bankruptcy proceedings, we were not allowed to make mortgage payments due to court rules. After the bankruptcy was XXXX I entered into an mortgage assistant agreement with Select Portfolio and immediately started making the requested payments. Even though I was making the required payments they still reported me to the credit agency every month as over XXXX days late. I feel they should not have been allowed to report me due to the bankruptcy stay and bankruptcy laws. They reported me to the credit bureaus every month since XXXXXXXX XXXX 

Thanks so much.
Consumer complaint received 2024-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Dear XXXX XXXX, I am writing to dispute a charge of {$280.00} to my platinum credit card account on XX/XX/year>. The charge is in error because I did not drive the XXXX XXXX XXXX vehicle for the full trip length because of a flat tire occurring on the morning of XX/XX/XXXX. I purchased the turo on XX/XX/XXXX, XXXX XXXX from XX/XX/XXXX at XXXX until XX/XX/XXXX at XXXX. Upon pick up, the Host was not available and communicated about the keys through his wife yet she did not hand me the keys within the XXXX minute refund-cancellation period. There is a condition in XXXX policy that says the host who owns the car has to release the key directly to the turo customers. I was informed by XXXX to communicate about the tire with the host but the XXXX couple informed me that they want me to pay for more damages ( I didnt damage the vehicle ), Since Turo deactivated my account I could only respond to deny these claims with no access to further reply. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate capital one credit statement. In regards to the chargeback rebuttal filed by XXXX I am dismissing the claim of the vehicles conditions in reference to the enclosures presented that disprove that rebuttal. The company is rebutting the dispute for claims stating that the product was not damaged, defective, and was sold as described but that is not true it had a passenger side tire bubble. I booked the vehicle that is pictured below with a picture of a flat tire too. I am not responsible for this charge due to the purchased insurance policy and the premature cancellation of the original trip duration. I picked up the vehicle but I did not drive it the full duration because of a flat tire. I received the vehicle in fair physical and mechanical condition, as shown below. I did not rate the vehicle when asked about the XXXX, I contacted the company directly. The entire disputed amount is invalid and should be refunded as requested. 
Enclosed are copies of the XXXX purchase invoice, flat tire, the tire bubble, the trip duration, the hosts direct messages, and an emailed damage claim that supports my dispute and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX They closed the dispute & put it back on my statement after they accredited it to my account within the investigation period.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I bank with Truist. They put a freeze on my account due to some kind of checks being mobile deposited into my account. I dont use the mobile deposit. I always go in person to deposit any checks I get. I didnt find out about the freeze on my account till I went in person to try to with draw it. I was told to call the fraud department and that they had been trying to reach me. I never received any kind of call from there nor a email. When I did call they say it would be resolved on XX/XX/year>. On XX/XX/year> I called and they said it was no update. I have been calling ever since and still not getting an update. So I called again today on XX/XX/year> and was told to go into the branch and the branch could unfreeze my account as long as I verify myself. So I went inside the branch to verify and the manager said they couldnt unfreeze it and that department who froze it would have to unfreeze it. So I keep calling the fraud department and getting no updates and getting the run around about getting my funds.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

This company is reporting a debt that is no longer outstanding after I have already informed them about it. I even submitted proof that the alleged debt is no longer outstanding with the proper legal documentation, an official copy of my UCC-11 form signed by the secretary of state, which proves that I have no outstanding debts. They have failed to grant my request as a federally protected consumer.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OH)

On the night of XXXX into XXXX XX/XX/year>, my wallet was stolen. In my wallet, I had XXXX Wells Fargo debit cards. On XXXX card, a transaction of {$300.00} was administered at a XXXX and posted to my account on XXXX XXXX. On the other, a transaction of {$100.00} was administered at a XXXX and posted to my account on the same day ( XXXX XXXX ). These were not done by me as my cards were stolen XXXX days prior. 

These transactions occurred on XXXX XXXX, but weren't posted until XXXX XXXX. 

On the morning of XXXX XXXX, I submitted a police report to notify authorities that my wallet was stolen with important cards inside ( i.e. drivers license, bank cards, etc. ). 

On the same day ( XXXX XXXX ), I called Wells Fargo to submit a claim that my cards were stolen, had them shut off, and ordered new cards to replace them. I also gave them the police report number. 

Upon receiving a letter from Wells Fargo this XXXX that the account with the charge of {$300.00} was deemed a non-fraudulent charge, I called the number on the letter and asked why. I was told that because the charge was made with a chip ( which my debit cards had ) and that I had been online the day of the transaction that it wasn't deemed a fraudulent charge. 

Wells Fargo proceeded to take the {$300.00} back from my account, which over-drafted my account and left myself and my husband without the funds we were saving for groceries and forcing us to figure something else out. 

I sent the police report to Wells Fargo again on XXXX XXXX in hopes the investigation team could review it and change their decision. On XXXX XXXX, I called again to find out their decision and was told that because the claim was already closed the representative said that there was nothing that could be done. 

When needed, I can provide the account information of the XXXX accounts that were stolen as well as more information on other banking cards that were taken advantage of the same day if that will help with the decision. Thank you.
Consumer complaint received 2024-07-18
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: Southern Auto Finance Co (NV)

I am writing to bring to your attention a concerning issue regarding inaccurate information on my credit report that I have been diligently trying to correct. Despite my repeated efforts to dispute and rectify this misinformation, it continues to be verified as accurate by the credit reporting agencies. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting detailed disputes with supporting documentation to the credit bureaus. However, the inaccurate information persists, negatively impacting my creditworthiness and financial standing. 

I am seeking your assistance in investigating this matter further and ensuring that my credit report reflects only accurate and up-to-date information. I believe that the continued verification of this erroneous data is a violation of my rights under the FCRA, and I am hopeful that the CFPB can help me resolve this issue promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in correcting this persistent error on my credit report.
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (MO)

I contacted Audi Financial XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, XXXX to request a lien release letter. My vehicle has been paid off for more than 5 years. I discovered I was only mailed the title with the lien attached when I tried to sell my vehicle. Each conversation with an Audi Financial employee stated the lien release letter would be/was in the mail. Today is XX/XX/XXXX and I still haven't received the lien release letter or title.
Consumer complaint received 2024-07-18
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: SANTANDER HOLDINGS USA, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern/TransUnion, After reviewing my consumer file I noticed the following accounts reporting in INACCURATE error. Please DELETE these accounts immediately : ( XXXX XXXX : ) Closed ( XXXX XXXX : ) Closed ( XXXX : ) Closed ( XXXX : ) Closed ( XXXX : ) Closed ( XXXX : ) Closed ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This accounts is reporting a Balance and the account is reporting closed, According to the Fair Credit Reporting Act ( FCRA ) the account is reporting late payment history as well and therefore the accounts is in VIOLATION. Please Delete immediately!
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I had account I opened in XXXX I added my then wife in XXXX. Upon I separation she wanted to be removed from the account. She could not remove herself without me present but she was allowed to close the account without me being or sent or with my permission. I was never called or contacted to approve her removal which couldve been done with a phone call or docusign. I know know they was something to gain by XXXX XXXX closing my account and sending documents to the wrong home address. I had just received an updated debit card and activated it days before before the closed two of my accounts down. This is not right and not a good practice to keep customers.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Onity Group Inc. (GA)

PHH MORTGAGE SERVICES has obtained my nonpublic information as result of material misrepresentation, fraud, and identity theft pursuant to 1682a ( q ) ( 3 ) and XXXX Penal Code O.C.G.A.  XXXX thru XXXX. 

PHH MORTGAGE SERVICES has fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Biliey-Act ( 15 USC 6802 )
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

Was trying to register for an event titled the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX NJ as a XXXX  XXXX XXXX XXXX, XXXX misrepresented herself as being affiliated with the event. I transferred {$87.00} to the above email address via PayPal. Subsequent to making the payment I was informed that she was not a representative of the event and was a scammer.
Consumer complaint received 2024-07-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I PAYED OFF MY LAST BILL. But they say that they got bill late. I mailed it on time. Now whether mail is slow or accidents in mail is not my fault. So they charged me for late fees & keep sending bill for late fees. I did call accounting & tryed to resolved. Forgot day & time but did talk to a gentleman to resolve. I told him close my account. They have it recorded. I want to stop th from harrassing me for a Card i finished paying off. Appreciate your help. 
XXXX XXXX XXXX
Consumer complaint received 2024-07-18
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: SANTANDER HOLDINGS USA, INC. (MA)

I'm trying to buy a house and I've realized that I have damages on my credit report. According to the 15 U.S.C 1681 law, there shouldn't be a damages on my report. It's a defamation to me character
Consumer complaint received 2024-07-18
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: AMERICAN EXPRESS COMPANY (GA)

This is an update to : COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> Received a phone call from American Express XXXX XXXX @ XXXX on XXXX. She stated that I was still responsible for payment even though USPS told me there was no investigation. She said they can re open dispute if USPS responds to me. I clearly stated that I am NOT the shipper and there claim form clearly shows you need the original mailing receipt. Copies of my attempt to get information and requirements are attached. This does not make any sense when the shipper stated he would let me know any results of the USPS investigation and never did so.