davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NJ)

A few years back payments were taken out my bank account from affirm. I think it was late XXXX early XXXX. Back to back months took 2 payments from me. I was very confused immediately assumed fraud. So after I shut down my bank and got another bank. Few years after that around XXXX I realized AFFIRM was on my credit profile. I tried multiple times and different methods of disputing. But was still unsuccessful getting it removed from my credit report. It still remains on my credit report today as a derogatory mark til this day.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (GA)

XXXX insurance totaled my vehicle in XXXX 2023. They paid {$8000.00} to the lender, the gap coverage was to pay the remainder of the loan. Now the lender has turned it over to Westlake and they have it on my credit as charged off and state my vehicle can be picked up at XXXX XXXX. That's false information, the car was totaled and shouldn't be on my credit report as charged off
Consumer complaint received 2024-05-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ZuntaFi Corp (WA)

I don't know if it illegal. Due is {$200.00} a month. If I pay {$300.00} they just put the extra down on the next payment so {$100.00}. There is no option to tell them where you want it. 
Personaly I stoped after paying extra after I asked the question below. My concern is if I make a bigger payment will they just continue to reduce my monthly payments for the next month never allowing the principal to reduce more than the amount that is applied each from month minimums. If I put half the loan down will they just say don't pay for a year to keep the internet profits up? I can't get a straight answer. 

Text line ; Can I make a payment to the principal? 
This was ignored and was told you can't on the phone later. 

Text line ; why does it say my next payment due {$50.00}? 
" it looks like you are paying more than the minimum amount due every month, that is the total amount left to pay towards your next statement. '' " However, you can continue to make the larger payments as well. '' I stoped giveing extra bc I dont know what would have happened after 2 months just keep reducing due amount for the next month never paying the principal down.
Consumer complaint received 2024-01-03
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: FIRST PORTFOLIO SERVICING INC (OK)

I was looking at my XXXX credit report and there was hard inquiry from XXXX on XXXX XXXX XXXX XXXX  that I didn't recognize. I know for a fact I did not apply for any Revvi credit cards or any credit card for that matter. This is inaccurate and needs to be removed immediately from my XXXX credit report. If someone did apply for a credit card in my name from this lender, it was a result of fraudulent activity and identity theft because it certainly was not me.
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (MO)

Page XXXX of the KANSAS VEHICLE RETAIL INSTALLMENT CONTRACT, DATED XX/XX/XXXX, ADDITIONAL AGREEMENTS, SECTION D, says Security Interest : you give the Creditor a security interest in : XXXX. The vehicle and all parts of other goods put on the vehicle ; XXXX. All money or goods received for the vehicle ; and XXXX. All insurance premium and service contracts financed for you. This secures payments of all amounts you owe under this contract. It also secures your other agreements in this contract. THIS IS DECEPTIVE AND DECEIVING! I sent a letter to Fords legal department that was delivered by certified mail on XX/XX/XXXX revoking the security interest and bringing these matters to their attention. ( Attached )
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In regards to credit cards that do not belong to be 1 being XXXX XXXX XXXX XXXX and the other being XXXX XXXX  in regards to these accounts I did not apply for these cards and do not wish to have theses accounts furnished on my consumer report also its 5 inquiries on my report that i did not authorize those being and by law all transactions regarding such activities are ILLEGAL under 15 U.S. Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DIGITAL FEDERAL CREDIT UNION (TX)

I deposited a cheque to my checking account. Then once money was dropped into the account, I started sending the money back to sending party via wire transfer. Later after couple of days, my account was overdrawn. The bank was saying it was a forgery check.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (CA)

I was subscribed to the XXXX XXXX, a newspaper in XXXX California. I canceled my subscription. The XXXX XXXX did not cancel my subscription. They then transferred or sold a debt that is not owed to ARM Solutions, a debt collector. ARM Solution continues to call me and I have informed them that I canceled my subscription. 

I don't see how it is right for a company to charge for a service that I did not agree to and refused, then sell a made-up debt to a company that is now calling me for the debt that I do not owe. I like to support local newspapers, but this practice is abhorrent. I am afraid ARM Solutions will try to ding my credit score based on this bogus debt.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS Account Resolution Account # : XXXX XXXX They have failed to respond to my letters about incorrect account information. It is against the law and a violation to report health information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ARVEST BANK GROUP, INC. (OK)

Received a letter in the mail about an Arvest Acct we didnt open. Called the bank and they said XXXX Accts were attempted to be opened but they recognized the fraud and didnt get it opened
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MA)

I have tried multiple times to close my Citi checking account. They refuse to do it by phone because they want me to provide my debit card and ATM pin, but I never set up or received a debit card. Then they ask for a security word, which I have no recollection of. They directed me to send in a written request to their bank by mail address, which I did several weeks ago, and I still have not received an acknowledgement and the account is still open.
Consumer complaint received 2023-12-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LD Holdings Group, LLC (NJ)

Dear Sir or Madam : My former employer, Loan Depot , LLC, has improperly submitted a disputed contract claim to XXXX XXXX XXXX as a collections matter, despite that the contract upon which it seeks to rely in support of its claim is invalid and has been replaced in its entirety by a contract that does not contain any repayment requirements. This is an employment dispute and not a consumer financing or credit matter. I have never gotten a loan from Loan Depot and dont intent to.

The matter is currently pending before the Court under the aforementioned docket number, and the undersigned 's employment attorney is in the process of filing a motion to dismiss the Complaint for failure to state a claim upon which relief can be granted. The biggest abuse of the Fair Credit Reporting Act I feel it has violated is the fact that they have sold the account to a collection agency and are also suing me for the same amount and case. Again, the only reason I left Loan Depot before my employment contract was up is becuase they replaced my contract in XXXX which canceled out all other employment contracts previously executed. 

This matter does not involve an installment or revolving account, nor is it properly a collection account as there has been no determination that XXXX XXXX has any obligation to repay her former employer for a sign-on bonus. 

To the contrary, the most recent employment agreement between Loan Depot , LLC and XXXX XXXX makes clear that it replaces all prior agreements between the parties concerning XXXX XXXX employment, and it does not contain any requirement that XXXX XXXX repay any of the compensation paid to her in connection with her employment. 
Based on the foregoing, the " collection account '' in the amount of {$110000.00}, reported by XXXX XXXX XXXX, is inaccurate, unverifiable, and improper and does not reflect a debt owed by XXXX XXXX. As such, please promptly delete this information from XXXX XXXX 's consumer file as required by the provisions of 15 U.S.C. 1681i ( a ) ( 5 ) ( i ).

If you have any questions or require further information, please do not hesitate to contact me.

Thank you for your attention to this matter.
Consumer complaint received 2023-12-31
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westcreek Financial (VA)

Koalifi miss lead me on payments.Charged me an outrageous amount of intrest. Took several unauthorized payments from checking account.Refused to work with me on lowering my payments or extended them.countinue to increase my payments.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (WA)

My bank, The XXXX XXXX, uses Ingo Money for Instant Check Cashing services. I followed all of their steps to the letter. The last step is to write VOID on the check and take a picture of that. I did so. And then they rejected the now voided check so Im left with a check thats completely unusable, can not be cashed, and then when trying to contact the company, they hung up on me twice without answering even though it was within their business hours. 

Theyve done this repeatedly. They have a rating of 1.6 out of 5 for a reason. They and their parent company need to lose all FDIC protections because theyre predators.
Consumer complaint received 2023-12-28
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

The store credit card is with Barclay 's Bank/Old Navy . The account was opened on XX/XX/XXXX. It is now a closed account. Barclay 's Bank is reporting a past due amount from XX/XX/XXXX until XX/XX/XXXX but the account is now closed. I called them on XX/XX/XXXX and asked them about payment arrangements. They never sent me anything in the mail in regards to our conversation back in XX/XX/XXXX. I also sent them a goodwill letter on XX/XX/XXXX. I heard nothing back from them so I called them to ask about the goodwill letter I sent them. They told me they never received the letter and asked me what address I sent it to. I gave them the address I sent the goodwill letter to and they told me the address was wrong. However, I got the address directly from Barclay 's Bank website.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This complaint will serve as a follow-up to my previous complaint which contains the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX I want the disputed items to be deleted from my file for their fraudulent status.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (TX)

XXXX is continuously reporting inaccurate information on my report and refuse to report accurately. According to the Fair Credit reporting Act 15 USC 1681 section 602, it states 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. XXXX and XXXX are consumer reporting agencies and I am the Consumer. Pursuant to 15 U.S. Code 1681e ( b ) consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account is NOT following reasonable procedures to assure maximum possible accuracy. It is reporting inaccurately. Please DELETE immediately all accounts that reference charge-offs.

Pursuant to 15 U.S. Code 1601, all charged-off accounts must be DELETED. 
Conn 's XXXX XXXX These items must be DELETED immediately. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I had learned that the credit card is increasing their annual cost but in return they would provide a quarterly {$50.00} credit based on me making an eligible purchase charged directly with a hotel within the XXXX portfolio, including bookings and incidental charges. I read through the terms and did not see any exclusions that would apply to me making a charge to book a hotel directly with hilton.com. 

I booked a hotel on XXXX on XX/XX/2023 to be eligible for the last quarterly credit of {$50.00}. It was for a total of {$500.00} and the credit card memo says " XXXX XXXX XXXX PURCHASE ''. 

I noticed I saw no sign of the purchase qualifying me for the benefit, so I reached out to American Express chat support to see why. They claimed it was ineligible because it was an advance purchase. They sent me the terms and I didn't see any mention of there being an exclusion for advance purchases. I asked the support person where it said this and they merely copy and pasted something from the terms that made no mention of purchases made in advance. 

Here are the terms they linked to in my conversation with them : XXXX XXXX XXXX
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL ()

I would like to file a complaint against Wal-Mart credit card, I have had their card for the past 4 years and they recently reduced my credit to {$180.00}, when i called their company they told me that it was because they re-ran my credit and that is what I was re-evaluated. The lady couldn't give me an explanation and kept referring to a letter that she would mail. Even though I have been paying my credit card every month including their incredibly high late fees and had established credit with them they still didn't budge. I told them that what they did was redundant since I had stopped using my card to increase my credit-income ratio to have a positive impact on my credit but now it shows that I'm still using 98 % of my available balance which of course will decrease my credit score.  The lady was just silent and was not helpful at all. I feel that this systematic decrease of credit and it having a negative impact on my credit score was done  deliberately so they can then claim that my credit score was why they  decreased my credit limit, regardless of the history I've had with them.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (FL)

I received several emails about an account opened under my name. I called Indigo credit card to dispute this account. I was asked to provide a lot of personal information to start a dispute. I gave what information I was comfortable giving. 

I received emails from XXXX and XXXX about this account from both, indicating a credit inquiry from CB Indigo. I called both companies today, asking them to dispute any activity on my behalf. XXXX advised me to contact ftc.gov to file a complaint. Here we are.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I hereby submit this formal complaint against WELLS FARGO, expressing my profound dissatisfaction with their oversight in permitting fraudulent accounts to tarnish my credit report. Having initiated an FTC report with the corresponding identity theft report number XXXX, I am dismayed to discover that these fraudulent accounts persist on my credit report despite my efforts. My expectation was rooted in the belief that WELLS FARGO would serve as a stalwart guardian of my personal information, ensuring the delivery of precise and secure credit reports. Regrettably, this breach of trust has left me questioning the reliability of their commitment to safeguarding my financial standing.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 I received a phone call from Chase Bank. Was told my account was at risk to outside thieves. I was asked to have {$48000.00} wired from my Savings to the so called wrong account to be rewired into my account, to fix the problem. I was called the next day to do the exact same thing. Now, XXXX was pending out of my account. Both times I was locked out of my account. They released my account to do these wire transfers to help protect my money. So I was told. Later I find out that they called the people who took my money and they said that they were using it to build a business. My chase bank never called me to verify that it was me who was doing transfers but instead the thieves who somehow got the call instead of me. They sent the money to the thieves without my approval. I filled out a full report to the bank but they called back saying that the money was gone and nothing could be done even though I didnt approve of the transfer of XXXX dollars.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have paid off my capital one charge off balance it is currently {$0.00}. I have not received a 1099-C form showing that the balance is now {$0.00}. This account is reporting inaccurately as a charge off with a balance and it is completely paid off. I would like for this information to removed from credit report now that there is no longer a balance. Ive tried to had this account removed with letting capital one know about the identity theft and ive attached my police report as well. Im trying to fix my credit report after being a victim of identity theft. May this information please stop being reported to the credit bureaus.
Consumer complaint received 2023-12-30
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I was gifted an American Express gift card by my boyfriend 's family on XX/XX/XXXX. Despite trying several retailers, only one has been able to accept the gift card. The one place where the gift card could be used - XXXX, I was also eventually unable to use it there too. I've tried XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX, all which said my card was declined- to which I didn't have insufficient funds. 
I contacted customer service, who told me to contact XXXX. I contacted XXXX and XXXX said that the issue was with the AMEX gift card. I called American Express customer service back and they said that the reason it wasn't being accepted was because there was no way to connect an address to a gift card- which frankly, i know is bull XXXX, VISA giftcards are accepted everywhere despite not having an address attached. 
I'm completely unable to use this gift card for anything and I feel like this is some kind of fraud- why advertise that this money can be spent everywhere when not even XXXX ( the world 's biggest retailer ) can't accept it. I feel like my boyfriend 's family has been cheated out of their money because their gift to me is useless.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am disputing, yet another violation of my consumer rights. Under 15 US Code 1629c ( c ), it clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector MUST CEASE ALL COMMUNICATIONS. I have been receiving constant phone calls, text messages and emails and at will to sue! 

I do NOT have a contract with these collection companies and have no knowledge of them. Therefore, you must DELETE from my credit report immediately. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX