davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-28
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

I was a victim of internet and money-gram fraud. This scam Artist posed as an out of town homeowner with home for rent in XXXX, Arizona. He had a XXXX profile as well as a XXXX profile. I first contacted " XXXX XXXX XXXX '' on XXXX XXXX, 2015 @ XXXX via text message, stating that I saw his listing for a XXXXbdrm home. He responding back via text asking me to go by the home and see if i like the location. XXXX XXXX then confirmed my email address and emailed me an application on XXXX XXXX, @ XXXX. we continued to emailed correspondence back and forth until he had all of my information needed to rent. We also had been texting and and having phone conversations as well. on XXXX/XXXX/2015 I decided I was going to put down a deposit to hold the house until I received my paperwork to move forward. I made a hasty decision due to not wanting to run out of time. Plus I thought the house was lovely and it was centrally located. I put the deposit of {$400.00}, sent by money-gram on XXXX/XXXX/2015 @ XXXX. The customer service representative asked my for my social security number and my drivers license and a current bill with current address and stated that was normal protocol. I then started to feel like I made a mistake, something was just not quite right. By the time I made it home and did a little research, almost an hour had passed. I then called Money-gram to flag this person which he had already picked up the money and It was too late for me to intercept payment. they stated that He would be flagged in all of money-gram and national database.I then kept in touch with this person and his 'Attorney '' XXXX XXXX XXXX for another 2 days until the contact ended.
Consumer complaint received 2022-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (WI)

LOCKHART, MORRIS & MONTGOMERY are reporting to the credit bureaus a collection of {$2500.00}. I have no relationship or agreement with them or anybody that they represent. I requested for validation of this collection/debt and was never provided anything. If there is any contract, the contract is fraudulent. On top of that, on XX/XX/2022 XXXX XXXX a representative of the company released my personal information over the phone to another party. XXXX XXXX on XX/XX/2022 confirmed to me that there was no confirmation of identity before she released my information as he reviewed the recorded call.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (GA)

I opened an American Express credit card in XX/XX/XXXX, I made the payments monthly sometimes twice a month. In XX/XX/XXXX my mother XXXX, I was unemployed, I contacted the company and made every effort to pay but could n't. During this time, the company assured me that I had insurance for the card and that this insurance could cover the payments until I was able to find a job. Subsequently, the account went into charge off status and to this day, even though the card was in this status American Express continues to put on my credit report monthly that my account is late, even though the account is closed and in charge off status. This has also prevented me from refinancing my student loans which has extremely high monthly payments.
Consumer complaint received 2016-08-27
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MIDCOUNTRY FINANCIAL CORP (IL)

On XXXX XXXX 2016, XXXX placed an account on my credit file which i did not recognize. The account was from a company called heights financial corporation.I immediatetly researched the company and loan in question. Obtained. Their Phone number and address. I called and spoke with a representative and explained the reason im calling. They put me in contact with a senior representative spoke with a XXXX XXXX again explaining the situation she researched in her company files is my name, social security number and address that matched any accounts in my name. The research camey up negative she immediatly responded that i doo not have An account with them and werey suppose. To give me a letter stating i have no account in my name to send to the credit Bureau. 
2 days passed no letter i spoke to a XXXX she claimed that maybe im mixing up her company with another company. I immediately emailed her the name. Of her company address and city they are located. XXXX immediatetly confirmed the information i send that it was correct. But, still claims its a mix up. Since i last spoke to her XXXX/XXXX/2016, the company has not contacted me about my issue and no evidence they are trying to resolve this matter furthermore no letter i requested. My credit score is suffering and Heights Financial corporation is giving me no support and a cold. Shoulder. They are not helping me and in need of some. Organisation to help, Please help me resolve this issue.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

As of XX/XX/2018 the information shown on my credit report is not correct. This account was reported as cancellation of debt on XXXX in the amount of {$670.00} but yet shows on credit report as past due and and balace with all three credit bureaus. The account is with XXXX.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I Have requested five different times of the 35 day span debt validation and that verification regarding the accuracy of the day because the debt was paid off and shouldve been deleted off my account and its still not Ive asked for different times for the original agreement the death summary debt validation along with payment some reason and I have yet to receive that this letters have been sent for over eight months with a 35 day time at least in between
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

Cash app is the worst bank ever it was good in the beginning but now completely XXXX recently I filed a dispute for a hotel to which I contact the XXXX XXXXXXXX, and I received XXXX XXXX from cash app for the XXXX XXXX direct deposit which I filed the dispute they close my card to where I couldn't use any of the boosts, and my XXXXXXXX XXXX  expired because the dispute team is slow, and didn't work on the claim bascially waist of time, and had file a whole new one cause they were to lazy to do the first one which cost me to lose my XXXX XXXX reward, and other factors to where I sent them all the proof they need and still denied it, and close my because for the some reason worst cheap bank ever. 
I sent the required info everything they need still denied it, charging my account with transfer fees, and also giving me false information. The date I did dispute is XX/XX/ The last four account number is XXXX I contacted a representative after I lost my XXXX XXXX voucher, sent them proof of hotel willing to give me my money back, and still says they cant help me.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I Have requested five different times of the 35 day span debt validation and that verification regarding the accuracy of the day because the debt was paid off and shouldve been deleted off my account and its still not Ive asked for different times for the original agreement the death summary debt validation along with payment some reason and I have yet to receive that this letters have been sent for over eight months with a 35 day time at least in between
Consumer complaint received 2017-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (IL)

Southwest Credit Systems is reporting an account that had been removed from their files. Last year, this account was deleted from all three credit reporting agencies for inaccuracies. Once an account is deleted for cause, it can not be reinserted.
Consumer complaint received 2020-01-24
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: MARINER FINANCE, LLC (TX)

On today, I received a collection call from Mariner Finance which I have a loan with that it almost 30 days past due. The agent XXXX called to see if I would be interested in filling out an app to refinance my loan to get an extra money and to update my account to current. I refused starting that since I was unemployed I did not want them to run a credit app on me because I wanted to ensure I didn't have any extra credit dings on my credit and bring down my credit score and she agreed not to as I told her that my payment would be made in 2 weeks once I get my tax refund. 

Immediately when I got off the phone, I received a credit alert that they ran a credit app on me for an extended loan for which I didn't request. I called her back to confront her and asked why they ran a report when I specifically asked her not to. She said they ran a check on credit that didn't impact my credit which was a flat out lie, I told her that the kind of pull they did was an actual hard request for credit pull, not a soft one that a creditor does when they want to evaluate credit. This brought my credit score down and they want do anything about it or reverse it's course. Not sure why they ran this report on me but I want it reversed. Here 's info on the company below. 

Mariner Finance XXXX XXXX XXXX. 
XXXX, TX Phone : XXXX Branch Manager - XXXX XXXX
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

XXXX XXXX XXXX & I have been trying to resolve confirmation XXXX since XX/XX/XXXX. XXXX XXXX XXXX electronically submitted notification to remove the 9 collection accounts from my report. XX/XX/XXXX I called Equifax and was told this had not been done, Also that when XXXX XXXX XXXX submits notification for removal these accounts will be removed real time ( IMMEDIATELY ). On XX/XX/XXXX XXXX XXXX XXXX called the Equifax Business Customer Service line and verified that Equifax has received the notification to remove the 9 collection accounts. Equifax advised XXXX XXXX XXXX that there was a 10th collection included for XXXX that was keeping the dispute from updating because XXXX had not responded. XX/XX/XXXX I called Equifax and said I added XXXX  to the dispute incorrectly and needed XXXX removed from the dispute. I was told this would be done in 72 hours, dispute XXXX would be completed and the XXXX XXXX XXXX Accounts would not be on my credit report any more. 72 hours later XX/XX/XXXX, I called and was told this had not been done. The new agent said he removed the dispute for XXXX XXXX and that would take 48 hours to update, once it updated dispute XXXX would process as complete. XXXX was completed, XXXX has still not completed. XX/XX/XXXX I spoke with Supervisor XXXX, told her the story was advised that new dispute for the collections was placed on XX/XX/XXXX # XXXX and that was holding up dispute XXXX from completing. She cancelled dispute XXXX and said within 24 hours ( which is now ) dispute XXXX will be cancelled and dispute XXXX will be updated. It has not, I need this resolved ASAP. This is keeping me from applying from a home loan but all the information Equifax needs to remove the accounts was submitted by XXXX XXXX XXXX on XX/XX/XXXX but not received " real time '' until XX/XX/XXXX.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Citibank debited my account which overdrew my account by {$600.00}. Upon discovering this that same evening at the ATM, I promptly called customer service to inquire about how, what, and why this had occured. They informed me a person who I have never heard of had written a check which had a forged signature that looked absolutely nothing similar to my legitimate signature. I told them that I have not written any checks and to stop it since I did not authorize it, at that point the representative put {$800.00} back into my account as I assumed would be the normal thing to happen in such situations. 1 month later Citibank took the {$800.00} back out of my account because I had n't submitted an affidavit of forgery. So upon learning that I got a police report and submitted an affidavit of forgery which the back office of Citibank denied under the grounds that I did not inform them in writing from 30 days when the disputed charge was found. So my question is how can they base their decision upon something I did do ( affidavit ) once I was actually told to do it, despite them honoring a forged check that should have bounced since I did n't even have the funds to cover it, as well as a signature I did not write or authorize in the first place? What legal recourse can I take to recover my funds that were literally stolen from the forger of the checks and then Citibank directly?
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2022-11-06
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. (OH)

I received a statement of account for XXXX XXXX XXXXXXXX XXXX from XXXX XXXX. 
I dispute this debt and all claims contract according to 15 USC1692g. Validation of a debt. Also the account has been closed. I rebuttal the XXXX XXXX account because I do not owe this credit card statement and this is a true bill of commerce. Also XXXX XXXX has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I Have requested five different times of the 35 day span debt validation and that verification regarding the accuracy of the day because the debt was paid off and shouldve been deleted off my account and its still not Ive asked for different times for the original agreement the death summary debt validation along with payment some reason and I have yet to receive that this letters have been sent for over eight months with a 35 day time at least in between
Consumer complaint received 2022-12-19
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: CAINE & WEINER COMPANY, INC. (FL)

Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

I called Wells Fargo Card Services to report my card stolen in early XXXX with two separate charges of {$280.00} from XXXX pharmacy, and another charge for XXXX both of which were not me that made the charges, and both of which were not authorized. 
When calling and reporting these two charges that I did not authorize, they informed me that there is nothing else that I need to do to protect myself against these unauthorized fraudulent charges. 
Fast forward to XX/XX/XXXX, they re-added the fraudulent charges back onto my account, and they stated that it was because I had a similar claim previously on my account, when Ive had the unfortunate occurrence of getting my card stolen TWICE off of a busy construction site.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX, XXXX has reported a collections account to my credit reports in the amount of {$260.00}. 

They are in direct violation of the Fair Debt Collection Practices Act. 

I have never once received a notice from this company at my address, and I have no idea what this debt is for. Nor a phone call or voicemail from them. They made no real attempt to communicate the debt to me. If they did send a notice they either sent it somewhere incorrectly or sent it with no direct company information on the envelope. Opening random envelopes is not safe for a multitude of reasons, and they did not clearly notate themselves on any potential notices. Aside from that, I have informed delivery from USPS and can clearly see nothing from XXXX XXXX was ever sent. 

XXXX  XXXX has violated articles 807, 808, 809 and 812 to name a few.
Consumer complaint received 2017-06-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My car was totaled in an accident. My insurance company paid off all of the loan, or what I thought was the entirety of the loan, but Capital One is claiming there 's still a small balance. I was unaware of the discrepancy. The car was sold as salvage titled and registered to another person.  Capital  One reported my car as repossessed or in the repossession process which is now preventing me from getting another car loan. How was the car titled and registered to another person if Capital One is still the registered lien holder and there 's still a balance due? How can Capital One repossess a vehical over a balance less than the original cap payment amount? I need the repossession removed from my credit immediately. This is affecting my lively hood as I am unable to get a car to go to work
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

RE : USAA Savings Bank I entered an automatic payment of {$230.00}, and stipulated the posting date as XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, the amount was withdrawn from my bank. 

However, funds were not available on my prepaid XXXX. 

On XXXX XX/XX/XXXX, I spoke with a USAA CSR, ( 40 minutes, 54 seconds ). 

I was told that my " payment history '', " credit history '', " source of funds '', and " # of payments '' were factors related to the delay, and that a 10-day hold had been placed on my account. Notification of the " defender hold '' was not received via the app, email, phone, text, or USPS. Of note : ALL of my prior payments were made prior to the due date, I hadn't made any attempt to exceed the prepaid limit of my card, ( {$250.00} ), the account used for the payment had remained consistent, and prior payments were posted upon receipt. 

I was dissatisfied with this explanation, and XXXX, ( XXXX ), refused to provide his employee id #. He further suggested that the " payment was large, compared to my credit limit ''. 

A subsequent CSR educated me about the Credit Card Act of 2009 and " money laundering ''. 

The hold caused significant financial financial distress, in that I was attempting to pay the entire balance due, had no access to the funds in my checking account OR XXXX for 10 days. I had no access to other funds.
Consumer complaint received 2015-12-15
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I rec 'd phone call from this company called XXXX @ phone # ( XXXX ) XXXX regarding cash loan payment from cash central. They are the 3rd party. I have paid portion of the loan and now, different company is calling me representing Cash Central. They 're trying to scare me to take me to court.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, 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. (NJ)

XX/XX/XXXX SENT ME AN EMAIL STATING THAT DUE TO THEIR INACCURACIES THEY WOULD BE REMOVING A NEGATI E ITEM FROM MY REPORT, THAT NEVER SHOUL DHAVE BEEN THERE. I HAD MOVED, CALLEDC THEM, AND THEY NEVER CHANGED THE ADDRESS. I THEN SPOKE WIOTH THEM THROUGH PHONE AND EMAIL AND THEY RECTIFIED THE PROBLEM, RMOVING IT FROM MY CRED IT REPORT. IT HAS NOW RE-APPEARED MULTIPLE TIMES, SAYING SOMETHING ABOUT ME DISPUTING, WHICH I NEVER DID, THE INFORMATION IS COMPLETELY INACCURATE AND I HVA EPROOF THEY LIED ABOUT REMOVING IT. THIS IS A CLOSED ACCOUNT THAT WAS NEVER NEGATIVE AND THEY PROMISED TO REMOVE AND DID, ONLY TO HAVE IT RE-AOPPOEAR AGAIN.