davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

On XX/XX/year>, I was contacted by a scammer calling from the official USAA customer service center stating they were from the USAA Fraud Department. The scammer told me that someone from XXXX, AZ was attempting to complete a XXXX transaction from my account in the amount of {$990.00}. The scammer then led me through a serious of instructions to " reverse '' the transaction. Ultimately, the scammer was able to steal the {$990.00}. I immediately called the USAA Fraud Department to report what had just happened and a dispute was issued. I also submitted photo evidence of the USSA incoming call to me with the date, time, length of the call, and that it was an incoming call. At no point did I authorize anyone to take that money from my account. It is also very clear that this was suspicious activity on my account, as I do not use XXXX. The dispute was denied the next day. I called USAA to escalate the dispute, as USAA claims they have a zero-tolerance policy against fraud and scams and that customers will not be held liable. A review was submitted at that time. The review also came back as denied. USAA is claiming that because the scam was conducted through a XXXX transaction, a 3rd party customer, it is out of their hands. I don't do business with XXXX. I have been a loyal customer for USAA for over 12 years. All evidence proves that this was fraudulent activity and a scam. USAA is claiming that because I did what the scammer told me to do, I am responsible. I have lost {$990.00}. USAA did not protect me as a customer and honor their zero-tolerance policy against fraud and scam.
Consumer complaint received 2024-08-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (TX)

My wallet was either lost or stolen and my identity was later used to open several fraudulent accounts..I did not know about these accounts until about XXXX or XXXX later.. I contacted the police and filed a report asap back in XXXX of XXXX when I was made aware of these accounts and have been fighting this since
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (SC)

I have attached a copy of my consumer credit report I don't recognize accounts collections as a result of identity theft and fraud. per acct ref identity theft XXXX, XXXXXXXX DISCOVERBANK XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/year> XX/XX/year> XX/XX/year> Balance : {$5800.00}
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (LA)

My account with BMW financial was reported late for the month of XX/XX/2019. This was my very last payment for my car loan. Before this late payment all previous payments was made 100 % on time. I contacted BMW to make payment arrangements for this payment. The representative assured me to make the payment by XXXX XXXX to avoid being late. I called in on XX/XX/2019 and made the total payment  of {$1400.00} per stated by BMW rep. Unfortunately, BMW still reported the payment late stating that it should have been made on XXXX XX/XX/2019. This have damaged my husband and I credit score horribly. I was only following the directions that I was given setting up the payment arrangements. I wrote BMW a letter explaining this. My credit report was updated to current shortly after but only with XXXX the other two credit bureau company 's was not. I contacted the other bureaus and was told that BMW refuse to update to current for the month of XXXX.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

During the initial fraud claim investigation with Chime, which took two days, I received an email stating that there was no error found, and the case was concluded. However, upon requesting the documents that led to this conclusion, Chime provided only the questions that their agent had asked me regarding the fraud. The documents lacked any detailed information about their investigation, including the evidence or proof that supported their decision. This information was notably absent in the email I received from Chime.

As a result, I requested Chime to reinvestigate the matter. I have since uploaded a police report, along with time-stamped evidence that confirms I was at a XXXX store at the time the fraudulent transactions occurred. I also provided the contact information of the XXXX employees who can verify my presence there, which directly corresponds to the time and location of the fraudulent activity.

I am still awaiting the details that led to the denial of my claim. It is important to note that it seems highly unlikely for a thorough investigation to be completed within just two business days. I have also asked to reopen the case as well On XX/XX/year> I have been a loyal Chime customer for over three years and have always been satisfied with their service. This is the first time I have experienced fraud on my Chime debit card. I use Chime for important transactions, including receiving my federal tax refunds via direct deposit, and I have maintained a positive account history.

Given the significant amount involved in this claim, I am committed to working with Chime to recover the lost funds. While I would understand if the dispute was over a minor amount, the sum in question is substantial, and I will not give up on pursuing a resolution. I am eager to collaborate with Chime to ensure that this issue is resolved, and my funds are restored.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

XX/XX/XXXX I had XXXX unauthorized transactions on my account for XXXX each. XXXX was a XXXX in XXXX XXXX  and a XXXX  in XXXX XXXX  the same day. I notified Chase and I was told I needed to open and new account and was sent a new debit card. A fraud claim was file and today XX/XX/XXXX it was denied. They stated the transaction was from my XXXX XXXX. Im not sure how when Im in XXXX XXXX and these were in XXXX different states in the same day. I was then told I need to investigate on my own and get more information from XXXX and the XXXX merchants. All of which says its a chase is and Chase is placing the blame elsewhere.
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (AL)

It had been XXXX  years since i have an account open with TD bank and thats when they offered me credit card which i have opened since then, after some time i got some good cards from other companies and i have lessened the usage of my TD bank card. I did not even realize that i had lost my card like a month ago until i saw the statement balance on my card which was extremely high. And card was used in small amount at variety of places near the same town i am in. I was going to file a police complaint because fraudulent amount was XXXX but customer service representative told me they do not deal with law. So i had the dispute filed which they denied and upon asking customer service representative XXXX was extremely rude.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

There is a business named Portfolio Recovery Associates that is running soft checks on my credit report multiple times per month. I want them to stop. I have never done business with them, they have NO accounts for me that I am aware of, yet they are accessing my credit report multiple times per month. In some cases, several times per week. They do not have my permission to be accessing my credit report AT ALL. 

My credit score is over XXXX and I have no collection accounts so they have no business with me.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC (NY)

date XX/XX/2020. I was making my payments on timely matter until I was unable to make them. I reached out to the company to try to make an agreement but I could not afford what they wanted. I stop paying because I could not afford what they were asking. I was willing to pay the smaller amount, but they werent willing to accept those payments. They sent it to collection total amount they're asking a total of {$5500.00}. They were asking for monthly payments of {$100.00}. XXXX. The collection agency balances {$2500.00} with late fees of {$30.00}, collection fee of {$87.00}, occurred interest {$2100.00} total amount due to the collection agency is {$5500.00}
Consumer complaint received 2024-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/XXXX Cash app allowed someone to hack into my cash profile that I have had since XXXX. Once in there they were able to change my personal phone number and name. Which prevent me from logging into my very own cash app account. I called cash app to report this activity and was able to log in through my email to retrieve my hacked account. Once I was able to get back into the account, I had discover that all of my funds was taken from cash app and also my banking account and payments was made over to XXXX XXXXXXXX XXXX someone I have no clue of. I spoke to cash app about this and was advised an investigation would be done. Going forward I tried to log into my account on XX/XX/XXXX and realized once again my account was stolen by the same person XXXX XXXX. I was to retrieve the account back by verification of the cash app card that I was provided with through cash app. Once again I spoke to cash app about these attacks and also ask about my XXXX dollars that was taken from me on XX/XX/XXXX. They proceeded to tell me my account my compromised and they were not able to give my money back due to it was authorized. Im filling this complaint because, Ive showed Cash App all of the documents and bank statements that my whole profile was hacked and all my money was cleared out of my bank. They are no longer trying to help me with the underlying of this issues and I feel this is an inside cash app employee thats able to change these profiles to steal from the users.
Consumer complaint received 2024-08-31
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: SYNCHRONY FINANCIAL (NC)

I noticed these inquiries and my credit Report. I did not authorize these companies to run my credit. They are fraudulent. 

Company : Date of inquiry : SYNCB/LOWES XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SYNCB/SAM 'S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I reapplied for a checkings account with Regions Bank. Regions Bank had closed two of my accounts early XXXX however I wanted to continue my relationship with Regions. I was informed that in order for me to open up an account the application mentioned to call regions bank to continue on with my application or appear in person. I was transferred to a debt collection department and an agent representative had told me that in XX/XX/XXXX there was a debt for {$110.00} that I was unaware of. And I needed proof of evidence and a receipt to know why close my accounts to then tell me that I owe when it couldve been taken out of my accounts at any given time I had not known about a {$110.00} debt from XXXX and why now. Refusing to let me open up an account then to tell me I owe for a past debt from three years ago.
Consumer complaint received 2024-08-31
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: SYNCHRONY FINANCIAL (NC)

I noticed these inquiries and my credit Report. I did not authorize these companies to run my credit. They are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (FL)

I entered into a loan agreement with GoodLeap to finance the installation of a solar panel system by XXXX XXXX XXXX. The solar system was supposed to significantly reduce or eliminate my electricity costs. However, the system has failed to meet the promised performance levels, leading to a substantial increase in my monthly expenses. My total energy costs have risen from {$200.00} to {$650.00}, with {$200.00} for regular electricity and {$450.00} for the solar panel loan payments. 

Additionally, XXXX XXXX XXXX has recently declared bankruptcy, which constitutes a material breach of the contract according to the terms outlined in the agreement. This bankruptcy has voided the warranty and left me without the necessary support to address the system 's deficiencies. As a result, I am now paying for a system that is not delivering the promised benefits, with no recourse to have it corrected or supported. 

I have requested that GoodLeap cancel the loan and discharge all remaining financial obligations due to the breach of contract and XXXX XXXX insolvency. However, GoodLeap has refused to do so, stating that the system is functioning properly from their perspective, despite the ongoing financial burden it imposes on me due to its underperformance.
Consumer complaint received 2024-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (OK)

I have made every payment on this note with certified fund to make sure that the payment are made and on time. They hold money and then say that the amount are not correct each month. I got there letter about changes in insurance and they still did not apply it to the escrow. I will not make a change in the amount with out a notice of some kind of change. I send the mail certified so that I have the notice that all payments are received. This company is very difficult to deal with and does not seam to get this corrected. I have tried to get to XXXX that holds the true note. I want the late fee removed and the credit bureau updated. This is not late.
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (NJ)

Citi bank is suing me for a debt that was due to identity theft and fraud. 
They sent me a notice in the mail certified to an address that was not mine but instead a neighbors, The neighbor brought me the letter but was still aware of what it was due to Citibank sending it to 313 instead of 315.

I have given Citibank the police report number and the FTC identity theft report and they still are trying to collect on a debt that was due to identity theft.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (NY)

Re : SPRING OAKS CAPITAL LLC XXXX To Whom It May Concern : I am writing in response to your response to my dispute on XXXX, regarding the alleged debt on the above-referenced account. I am formally requesting that you immediately cease all collection efforts on this account until you can provide conclusive proof that you complied with all relevant debt collection laws and regulations. 

Specifically, I demand that you provide evidence of the following : Proof of Mailing : Provide a copy of the actual letter you claim was mailed on XX/XX/2022, along with a certified mail receipt or other evidence demonstrating that it was sent to my correct address. 
Validation of Debt : Provide a detailed breakdown of the debt, including the original creditor, date of origination, amount owed, and any interest or fees accrued. 
Failure to provide this evidence within 30 days of the date of this letter will be considered a violation of the following laws : Fair Debt Collection Practices Act ( FDCPA ) : Failure to provide validation of the debt within 30 days of my request. ( 15 U.S.C. 1692g ) Continuing collection efforts without providing proof of the initial communication and my right to dispute the debt. ( 15 U.S.C. 1692g ( a ) ) New York General Business Law 349 : Engaging in deceptive or misleading practices in the collection of consumer debts.

New York City Administrative Code 20-701 : Failure to provide notice of the consumer 's right to dispute the debt and request verification. 

Please be advised that if you continue collection efforts without providing the requested evidence, I will not hesitate to pursue all available legal remedies.
Consumer complaint received 2024-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (TX)

I signed up for a course with XXXX XXXX  on XX/XX/year>. Before enrolling, I asked the counselor if I could use the course as a stepping stone towards transitioning into program management, and he assured me that I could. Interview XXXX  had a program listed on their website for those interested in transitioning to a XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ) role. However, after signing up, I realized that the course was focused solely on XXXX, and I would need to pay for a separate Interview XXXX  course for the XXXX  track. This was despite the fact that I had clearly communicated my goals to the counselor.

Additionally, a few days later, I received news that I would be moving out of state, so I contacted Interview XXXX  on XX/XX/year>, to request the cancellation of my registration. They directed me to reach out to Affirm ( the loan provider ), but Affirm informed me that it was up to Interview XXXX  to handle the cancellation. I tried to follow up with Interview XXXX  again, but they did not provide a resolution. 

Affirm has since been harassing me about paying the loan for this course that I did not take, and they are now threatening to report it as delinquent.