davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Servicing has been made aware that XXXX is reporting my account as being two months past due when my account is current. I would like them to update my XXXX account to show that it is current. The amount owed, payment and being past due are all wrong.
Consumer complaint received 2024-07-13
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: ALLY FINANCIAL INC. (TX)

This company ran my credit without my approval, I have no knowledge of who these people are and why they were inquiring about my credit. I gave them a call so that I can get more information and they could not tell me why they were appearing on my credit file.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint Early Warning Services , LLC, XXXX XXXX XXXX, XXXX, XXXX, or " XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Early Warning Services , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Early Warning Services , LLC Consumer Report file of XXXX XXXX XXXX XXXX Consumer.

USPS TRACKING NUMBER FOR THESE DOCUMENTS : XXXX
Consumer complaint received 2024-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

I took out a loan with Santander Consumer USA with a co-borrower ( aka a co-controller ), I was termed from several places of employment throughout the loan causing me to defer payments, I have been on my own for quite sometime as I have no family no unemployment benefits or any other financial assistance. I have been doing gigs under the table to stay afloat, I was evicted from my residence in XX/XX/year>, I have not been employed since XXXXXXXX XXXX XXXX I have tried all job searching methods along with all of the job applications that I submitted and employers have refused to hire me because of my lack of employment experience and stability. I have always paid this loan and other bills timely despite being homeless and sleeping in the car. I was given resources by a member of their staff via email, however they told me without any employment stability that I am not able to get into their programs which continues to leave me homeless. I am asking that the {$450.00} remaining is forgiven as the amount of ACH is all the money I will have until I get an opportunity for a job or something under the table to pay at the time. As I stated, I have no support as I have been cut off by the people in my life due to being XXXX, I have also ended up in the hospital XXXX and during a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of my financial situation causing me to have a {$520.00} medical bill and another {$280.00} for an emergency room visit that was as caused by XXXX XXXX XXXX XXXX XXXX leading me to almost XXXX XXXX and I have no insurance nor money for therapy. Despite this I want this resolved and I want the money back that was already paid in late fees XXXX XXXX excuses because other loan companies have and they are a XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MD)

I contacted my mortgage company and told them they need to report my monthly payment to the credit bureau. The said they do not report my monthly payments because of a bankruptcy. This was discharged over 20 years ago. Its effecting my credit score and needs to be remedied.
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (MO)

Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activities and the lack of assistance I have encountered from Crypto.com. I believe that immediate action is necessary to investigate and address the misconduct and potential violations of financial regulations. 

The fraudulent company involved in this case is known as XXXX. Unaware of their illicit intentions, I sent a total of XXXX USD from my Bank account to my Crypto.com account. Subsequently, I initiated transactions from Crypto.com to the fraudulent wallets provided by XXXXXXXX. 

Despite my efforts to seek help, Crypto.com has failed to provide the necessary assistance, leaving me in a vulnerable and helpless position. The details of the situation are as follows : 1. Fraudulent transactions : Upon transferring funds from my Bank account to my Crypto.com account, I unknowingly became involved in a fraudulent scheme orchestrated by XXXX. I followed their instructions and made subsequent transactions to the fraudulent wallets they provided. It has become clear that XXXX engaged in deceptive practices, leading to a significant financial loss on my part. 
2. Refusal to help by Crypto.com : Recognizing the involvement of Crypto.com in the transactions, I reached out to their customer support for assistance and resolution. However, to my dismay, Crypto.com has also been uncooperative and unwilling to offer any support or guidance in addressing the fraudulent activities related to my account. Their refusal to assist me in this matter has further compounded the harm I have suffered. 

Considering the circumstances, I kindly request that CFTC takes the following actions : 1. Investigation : I urge CFTC to conduct a thorough investigation into the fraudulent activities perpetrated by XXXX, including their involvement in money laundering and potential violations of anti-money laundering ( AML ) regulations. It is crucial to identify and hold accountable those responsible for orchestrating this scheme. 
2. Examination of Crypto.com 's practices : I urge CFTC to examine Crypto.com 's practices to ensure compliance with AML regulations and to determine if they have fulfilled their obligations in preventing and addressing fraudulent activities on their platform. This examination should focus on their customer support processes and the handling of suspicious transactions. 

I kindly request a written acknowledgment of this complaint within five business days of receiving it. Additionally, I expect regular updates on the progress of the investigation and any actions taken to address the situation. 

Thank you for your attention to this matter. I trust that CFTC will take this complaint seriously and conduct a thorough investigation to rectify the situation, hold the responsible parties accountable, and provide the necessary assistance to victims of fraudulent activities XXXX XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an ion end consumer credit plan as late for purpose.
Consumer complaint received 2024-07-13
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 tried to use my {$25.00} virtual gift card to add balance to my XXXX account. For some reason there was a {$.00} hold not allowing me to use my full {$25.00} benefit. I was able to add {$24.00} to my XXXX account. Now I am stuck with a {$.00} gift card that I can not use anywhere. Everyone requires a minimum of {$1.00} to make an online payment. I want a check for my remaining {$.00}. It is like the company secretly does this so people just ignore/forget the {$.00} and they pocket it. It is my {$.00} but due to their " hold '' I am not able to use it anywhere. I want it back. I deserve it. This is blatant theft. Holding back {$.00}, that I would not be able to use anywhere. 

The card was activated on XX/XX/year>. The {$24.00} charge to XXXX went through on XX/XX/year>. 
I tried calling their number ( XXXX ) XXXX ( 5 ) times between XXXX and XXXX ( CST ) on XX/XX/year> to try and resolve the issue. The number just rang and was never answered. I called again at XXXX XXXX  CST and got their automated system. It just continued to reroute me to balance and to use the website. I had no option to speak to someone to resolve the issue. 

It is an American Express prepaid gift card, I was given as a reward payment.
Consumer complaint received 2024-07-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC (OH)

OPP LOANS/ XXXX  {$1600.00} XX/XX/year> Request for Debt Validation Pursuant to IS USC 1692g They were advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested. credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character :
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OK)

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-12-18
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: CITIBANK, N.A. (NV)

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Nelson and Kennard (CA)

I reported Identity theft to XXXX XXXX XXXXXXXX commencing in XXXX. I received an award. 
However, the identity theft persisted and I reported the replacement card ( s ) to XXXX XXXX XXXXXXXX in XXXX. I did not hear from XXXX XXXX XXXXXXXX regarding my identity theft claim for over a year. The accounts were reported to the FTC as unauthorized accounts. The accounts were closed. Recently on XX/XX/XXXX, I received a Statement only from Nelson and Kennard Attorneys at Law XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX for a XXXX XXXX XXXXXXXX card debt which is not mine. I never had an account ending in XXXX I do not have the entire account number nor have I received bills from XXXX XXXXXXXX. I sent a Cease and Desist Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX. USPS confirms Nelson and Kennard received the Cease and Desist on XX/XX/XXXX. I stated in my Cease and Desist I never had an account with XXXX XXXX XXXXXXXX ending in XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX of XXXX XXXX dated dated XX/XX/XXXX in violation of the Cease and Desist which threatens me with a lawsuit also a violation of credit and collections law. I wish to enforce sanctions on this scam.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (PA)

Today I received notice regarding my Macy 's American Express Card interest rate which is being raised to XXXX  %. The returned payment fee is {$41.00}. 
While I do not carry a balance on my Macy 's account, I find their new rate outrageous and usurious. 
With a favorable outcome of the XXXX election, I'm hoping that the CFPB will be able to take on these greedy businesses that take advantage of Americans who are victimized by them every day. 
Thanks XXXX XXXX
Consumer complaint received 2024-07-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Identity Theft CAP ONE VIA DEALER Date of inquiry : XX/XX/year> I have not inquired about an Auto loan with Capital one, nor do i have a vehicle with Capital one. This account is a result of identity theft. I have Filed an FTC report followed by dispute letters which were mailed out to bureaus regarding this matter. Ive asked for a thorough investigation, and proof of ownership of this debt, and proof of allowing this company to sell my information to a company i did not authorize.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

STUDENT LOAN : ALL DEPT OF XXXX ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

I lost my phone in XXXX XXXXXXXX, & it had to be unlocked because my password to my phone is not known by a random person ofc. hours later i find my phone & a chime transfer made of {$700.00}. I had no knowledge of the transfer whatsoever, so i did what any person would do & called chime to TRY & HOPEFULLY resolve the issue .. they said it would take up to 7-10 business days to resolve but i get an email 2 or so hrs later saying that based on what i told them, im not eligible for a refund which doesnt make any sense to me. This money that was stolen from me was financial aid money.. very important, I just want a fair opportunity & a chance to receive my funds back please.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I tendered a full payment to this company on XX/XX/. The tracking number for this payment is XXXX XXXX XXXX XXXX XXXX. They have not updated this account or responded to me to acknowledge that they have my payment even though the package was received and signed for. I am ask

ing for two things. 1. Verify that account exists and a debt is owed. 2. Verify that payment was received.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have sent Transunion, the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me. I need them to remove the inaccurate account in the report as soon as possible. this is fraud account XXXX XXXX account # XXXX date opened XX/XX/year>
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc (NY)

I ordered something from merchant on XX/XX/year> for XXXXAnd they sent the wrong item and because i had a custom order they will not refund me my money and chime bank will not agree to dispute my purchase because i made the purchase
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

JEFFERSON CAPITAL SYST is listed on my credit report as a collection agency that is trying to collect an alleged debt on behalf of XXXX XXXX XXXX. I contacted the original creditor, and they could not validate this debt that is reporting on my credit report. Furthermore, there was no correspondence sent to me informing me that I owed a debt and that it was being sold to a 3rd party company, so this information reporting is not credible and goes against permissible purposes. I never signed an agreement with JEFFERSON CAPITAL SYST. This company failed to provide an agreement with their company showing my signature, the forward flow agreement, a copy of my identification to verify that it is indeed my debt, or lastly a license to collect the alleged debt. I am demanding that this account is removed due to it being unverified by the original creditor. You are also furnishing different dates for the date last active which is a FCRA and FDCPA violation. I have attached an invoice for the violation upon your company. Payment is to be remitted to the address on the invoice. Both payment and deletion are requested within 30 days, or I will have no choice but to seek legal action against your company.
Consumer complaint received 2019-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NV)

I scheduled a Bill Pay for {$2000.00} to my Wells Fargo Visa on XX/XX/2019 via my online Wells Fargo Checking Account. Wells Fargo then misdirects that bill pay check to XXXX. XXXX sends me an automated letter stating they don't have an account for me. I contact Wells Fargo to have them correct their error, but they misunderstand what has happened and they say it is online fraud, thus shutting my account down and creating a new checking account. 

After speaking with several people in the online fraud department, they confirm that it was an error by Wells Fargo. However, after that confirmation, I receive a letter on XX/XX/2019 stating that they have determined that the transaction was made by me, or someone who had my authorization. Again, this is an error on their part. That {$2000.00} bill pay transaction was made by me, but was supposed to go to my Wells Fargo Visa, as proven by the account number on the bill pay transaction. 

Then, after speaking with several more people in the online fraud department, I receive another letter on XX/XX/2019 stating that Wells Fargo made no error, but that they wanted to help me resolve the issue. Oh, and they finally give me a claim number, so I call them several more times, but to no avail. 

Then I receive another letter on XX/XX/2019 stating that they have closed the claim, while also stating that I deleted the XXXX Payee Information on XX/XX/2019, while totally laying the blame on me? Wells Fargo also tells me that the Online Claims Department has contacted XXXX to confirm that XXXX cashed the misdirected check, and that I can expect the {$2000.00} check refund from XXXX with 7-10 business days. 

I have called several times more, argued with more people in online claims, and I still have not received the {$2000.00} I am owed as of XX/XX/2019. In fact, they have now made it so I can't even call them, so now I must go to a local branch to discuss this with them. And to add insult to injury, a Wells Fargo agent has called a Health and Human Services Social Worker to visit me to insure someone isn't abusing me? Wells Fargo has repeatedly lied to me and now they are trying to stop me from proving that it was their error, not mine. Wells Fargo has stolen {$2000.00} from me and they won't give it back.