davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK (NC)

I did an application for mortgage assistance, that started in XXXX of XXXX I called and talked to someone in XXXX to see where we were at. I was told that my application was not complete. I asked what they needed and was told that on the borrower income I did not complete that form. I said I did not have any other income but our social security. She said I still needed to put XXXX in all the other aeras of income. So I printed that form and fax it in to them that day. I did not here from them so I called in a couple days and this lady told me I needed to complete another application and make sure I completed and mail in or fax to them. I printed another copy and finish it and I took it to a office depot and had it faxed to them. I went there because I would have a receipt that they got it. I waited for about XXXX days and called them and at first the employee told me my application was not complete. I told her that I had had faxed it and had receipt that they have it. In a few minutes she found it and told me it would take about 30 days to complete and they would let me know then. In XXXX my husband became very ill and we spend a lot of time in hospital and doctor offices. In XXXX he had XXXX XXXX to save his life. We also had our hot water heater go out and our fridge went out. With being on fixed income it is hard. I summited everything in writing of what we went through and even gave them copies of my husband medical records. As I have set and look over the non approval notice, they did not approve me and my husband because of a credit score. Yes my credit score has taken a hit, when you do not make your house payments it will tank your credit score. I have been in my home for 23 years and I am XXXX XXXX XXXX. Have I always had perfect credit no but what we have been through and I summited everything to them I feel like we were not treated fairly. If you can help I thank you and if you can't I understand. I am trying to hold on to our home. Thank You I fog to say in XXXX that would not accept a payment from us it had to be all or nothing. Our payment are XXXX per month and in XXXX they had added a lawyer fee to us.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CA)

My credit file has been impacted by incorrect information that has been reported regarding multiple late payments. In XX/XX/year> I requested information from the company regarding the misinformation and did not receive a response. I also disputed with the credit bureau and online and no action was taken.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IA)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX, RI XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/year> ; XXXX XXXXXX/XX/year>.
Consumer complaint received 2024-07-01
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: Specialized Loan Servicing Holdings LLC (FL)

I sent a notice of error that was received on XX/XX/year>. XXXX received a request for information from me, XXXX XXXX XXXX on XX/XX/year> XXXX. SLS was required to provide an acknowledgement letter by Wednesday XX/XX/year>. SLS was also required to send a payoff/estoppel by Friday XX/XX/year> and or at the minimum Monday XX/XX/year>. SLS is showing a pattern of practice by not complying with the required written responses. Other items listed on the information request are due on Tuesday XX/XX/year>.
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (CA)

I got scam online with fake crypto trading. I use Kraken and XXXX to wire money from XXXX XXXX  to buy XXXX and transfer to XXXX wallet app and finally to the fake trading platform. I wired money 4 times with Kraken dated XX/XX/XXXX  {$99000.00}, XX/XX/XXXX  {$98000.00}, XX/XX/XXXX  {$60000.00} and XX/XX/XXXX  {$99000.00}. The last transfer were hold and reverse back to XXXX XXXX. This is the email from their support. 

XXXX ( Kraken Support ) XX/XX/, XXXX PST Hello XXXX, Thank you for your patience. 

Unfortunately, we must inform you that we will be closing your Kraken account. For security purposes, we can not disclose the reason for this action. Your deposit is being returned to your sending bank, please double check your bank statement for confirmation of the return. 

Please also complete the following actions within the next 72 hours ( from the time and date of this message ) : Convert your XXXX  to cash. 
Withdraw your remaining balance to the bank account you previously used to fund your account ending in XXXX. 
Export all your trade and ledger history as we will be unable to provide it to you later.

Deposit services have already been disabled for your account. After the 72 hours have passed, your account will be closed. 

Kindly note that you can not open another Kraken account. We may reach out to you if we require additional documentation. 

We appreciate your understanding. 

Because of that I rewire the money again this time to XXXX dated XX/XX/2023 {$99000.00} and send again fund to the fake trading platform. 

I believe Kraken already know that I'm a victim of ongoing scam and they decide not to protect me as their customer by closing my account and not disclosing the scam that presently ongoing. 

I don't have information on my account anymore only the request # XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (CA)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my privacy and confidentiality under FCR 15 USC 1681 Acct. # XXXXXXXX XXXX XXXX XXXX  Acct. # XXXX XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX XXXX 
Acct. # XXXX Caine & Weiner Acct. XXXX XXXXXXXX XXXX XXXX 15USC 1681 section 602 A states I have the right to privacy.

15USC 1681 section 604A section 1 states a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c ( a ) ( 5 ) states that no consumer report 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 more than seven years.

15USC1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency or person knows or has reasonable cause to believe that the information is inaccurate. 
I request that these accounts are removed from my report of credit due to these violations and inaccuracy of the reporting.
Consumer complaint received 2023-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

My PayPal account ( which I never use ) was hacked and used to send a series of three " friends and family '' transactions to a stranger I have never met using XXXX currency. None of the linked bank accounts in my PayPal are active, so the account now says I owe {$63.00}. It never should have allowed my account into a deficit, as Venmo and other digital wallets only work if the transaction processes. Moreover, I tried to contact customer service, but because the fraudulent debt is in collections, they hung up on me when I provided my account information.
Consumer complaint received 2024-01-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/2023 I attempted to log onto my Amex Bluebird dashboard but was met with an error code In response, I contacted customer service and went through the usual protocols to confirm my identity, I then went on to explain that I could not access my Bluebird Dashboard interface thus I could not access my account information to perform payments, transfers or deposits to various vendors. I also explained that I had attempted to access this information utilizing various Internet Browsers but that I still received the same results, I then questioned if there was a problem with the Website or if this was an issue directly related to my account only. At this point I was placed on hold for approximately 20 minutes after which I was told they could not rectify my problem but they would have to escalate the problem to get it resolved. At this point, I asked to be connected to a Technical Support ( in the hope of at least learning a reason or receiving a time line for resolution ). I held the line for 15 minutes with no further involvement from anyone, at which point I disconnected the call and attempted to contact a representative to get connected to Tech Support. 

On my second call, I went through the exact same process again with the same results. At this point, dealing with Customer Service had cost me close to an hour and a half of wasted time so I went online to obtain some way to contact American Express corporate. I was able to obtain a phone number and was connected to a corporate representative. After explaining my predicament, she assured me that she would relay my issues to Bluebird customer service and they would resolve my problem. After holding another 20 minutes I was again connected to a Bluebird representative, and yet again subjected to the exact same routine. 

At this point, I had been dealing with the Bluebird customer service department for well over two hours and was still no closer to getting an answer ( or a resolution ) to my problem. In the spirit of in for a penny, in for a pound, I gave it a final college try. I made one final call to Bluebird and once I was connected to a representative, I requested that I not be place on hold under any circumstances and we went through the exact same routine as I had already endured three time prior ( with the final result being EXACTLY the same. 

At this point, I have decided to refer this problem to a higher authority. I had believed that once I connected to your corporate office, that a resolution was right around the corner, evidently I was incorrect. Whats more interesting to me is the fact that after reporting this issue to four separate representatives ( that swore that they would escalate this problem to resolution ), even after 10 business days have passed absolutely nothing has changed nor have I received any notification of why I cant access my account information.
Consumer complaint received 2024-01-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (TX)

I lived at the XXXX at XXXX XXXX and lost my job at the time of living there. they advised that i can get out my lease and it will not hit my credit and that I had time to pay for the debt that was owed. They also advised that it will not show up on my credit at all and they will treat it as a move out. This happen in the year of 2022 as I also lost my father and had to pay for services. I did not receive anything that states that I owed them or that it was on my credit as a broken lease. I did not recieve no information from the credit collection company and they have not still reach out or I do not know who to reach out too.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (AZ)

An account with Chime was opened without my consent. The account was created using my email address and phone number. I was able to change the password and login where I noticed the address was old ( have not lived there for many years ). I called Chime and had the account closed, but it makes no sense to me why someone would open/access an account which requires verification that will only be sent to me ( phone and email ). I did confirm with Chime that my social security number is needed in order to open the account.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (AL)

I'm a victim of identity theft, the information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identify theft. The company Midland Credit Management is suing me for a for the amount of {$680.00} from a credit card company XXXX XXXX Bank. The account was open on XX/XX/XXXX, and the account open also has an address that I have never live at as the my home address. I received the letter from small claims court of XXXX XXXX on XX/XX/XXXX and I denied, and filled the claim on XX/XX/XXXX. I also plan to file a police report to deny the claim and contact XXXX, XXXX and XXXX.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2023-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  contiunes to report proved fraud on my credit report. the company reporting it will not assist, I have FTC fraud reports, police reports and my local law inforcement ( police/DA ) are investigating this fraud. the loan company has provided conflicting and false information and states the 'loan is verified ' yet will not explain how it was verifed. XXXX has been giving me the run around for months saying just send police report and we will fix it, send ftc report, etc I have done all of this 5 times since XXXX yet it is still being falsely reported. This account in question is not mine, nor was it ever mine and the company that says it is mine has yet to produce any evidence showing it is mine... it needs to be removed from me credit file ASAP this is absurd, please HELP!
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (OH)

Oh my credit report is showing a credit card for Shell XXXX XXXX Citibank XXXX I do not have a shell gas credit card/Citibank. I did not open An account with them. Do not know why its being reported on my credit. They told me that I do not have an account. And they also said it should not be reported on my credit, but it is. I have a screenshot of my credit report showing it on there.
Consumer complaint received 2024-07-02
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: EQUIFAX, INC. (MD)

On XX/XX/24 a complaint was filed with CFPB regarding Equifax and the bureau 's improper investigation into DEPT OF EDUXXXXXXXX XXXX loan account. Since then, Equifax has continued to stall reinvestigation by sending me a letter dated XX/XX/24 requesting proof of 2 different forms of identification stating that they are " unable to locate credit file '' after they have reportedly responded to CFPB stating that they are still investigating this account.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (WA)

XXXX took my money on XX/XX/XXXX my card got charged twice one payment i authorized for {$120.00} and one i did not for {$100.00} XXXX  my card is through direct express they sent out paperwork for me to file a dispute i faxed it back to them on the XXXX of XXXX the claims department told me my provisional credit would be on my card in ten days and it's now XXXX XXXX i did talk to XXXX  they made the same mistake on XX/XX/XXXX of XXXX and put back {$84.00} but wont refund my {$100.00} for XXXX.
Consumer complaint received 2023-09-14
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. (AL)

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 informationisinaccurate.
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

PayPal restricted my account from sending and withdrawing funds, which I believe is due to mistakenly sending the money under 'XXXX XXXX XXXX XXXX ' instead of 'XXXX XXXX XXXX XXXX. ' They said they would email me the reasons for the restriction, but I have not received any communication from them. The total amount of funds in my account is {$170.00}. Before permanently limiting my account, they asked me to submit some documents, including my National ID, proof of residence, bank statement, and an explanation of some of my previous transactions, including those from my XXXX  and XXXX of my friends. 

My XXXX, XXXX XXXX, sent me {$44.00} on XXXX XXXX, 2024, for my father 's XXXX, and I provided proof, including receipts and the doctor 's prescription. The other amount, {$55.00}, was sent by my friend on XXXX XXXX, 2024, as payment for XXXX weeks of work as an XXXX XXXX XXXX for XXXX. I also provided proof of payments that the company sent to her email. I understand there are policies, but we did not engage in any illegal activity. I earned the money working as an XXXX XXXX XXXX. 

I urgently need the funds for my tuition fee and for my father 's XXXX XXXX Therefore, I am requesting that the money be released immediately. I will be more careful next time in terms of sending funds. I want to complain because I believe it is unfair to hold my funds for XXXX  days just because we did not know how to navigate the online app. Your help in this matter is greatly needed and appreciated.
Consumer complaint received 2024-01-09
Product: Credit card — Store credit 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: CITIBANK, N.A. (NY)

XXXX XXXX Macys credit card is scamming customers with promotional event balances. I paid my promotional balance in full plus whatever else I charged that month to avoid the deferred interest payment. The following month they told me on my next statement that {$10.00} did not go towards the special event. I fought over the phone, one representative hung up on me when she couldnt explain how if I paid in full really doesnt pay it in full. The next representative tried to say that it goes towards the minimum payment ( {$30.00} ) first which was that {$10.00} more, ( the only charge I made that month was {$20.00} ) not making any sense bc the minimum payment is a recommended amount if you cant pay it in full, its not an actual charge on the card. I think XXXX XXXX Macys is scamming hundreds of people out of that deferred interest payment promotion by playing around with the numbers if the bill is paid in full which mine was there should be nothing leftover on the promotional balance. Please look into this, I have my bill to prove it. The bill that was paid in full with all the explanations of promotional and new balances and the following bill that said I still had {$10.00} outstanding on my promotional balance.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.