davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bright Capital Inc (NJ)

Hello, I had a monthly membership ( {$6.00} ) with Bright Capital/Money in XXXX and part of XXXX, in an effort to raise my credit score. 

From what I understood in XXXX, they were a credit building company and I wanted to raise my credit score. 

Since XXXX, they withdrew monies from my checking account every day/month and apparently paid my creditors every month ( in addition to my normal payments ). 

I still do not know if they paid any of my creditors. 

Please see XXXX for more about this company - XXXX XXXX XXXX XXXX & XXXX Also, I did not have any credit with Bright and did not borrow any money from them. They used my monies to pay my creditors. I have the bank statements. 

Ultimately, I wasn't pleased with Bright, so I canceled my account with them in XX/XX/XXXX. 

Then out of the blue in XXXX XXXX or in XX/XX/XXXX, Bright hit my credit report with a 30-day late payment of {$5.00} ( XXXX dollars ), which destroyed my credit. 

I have no other late payments on my credit reports, and I have paid all of my accounts on time every month, for years. I can easily share my credit reports. 

Because of Bright 's negative reporting, I've had a very difficult time getting any new credit in the last several months. 

My credit score dropped XXXX or XXXX points in just a few days because of Bright 's erroneous reporting. 

I contacted Bright many times and no one can explain why there is a XXXX dollar late payment on my credit reports ( XXXX, XXXX ). 

And when I contacted Bright this week, they said my account was deleted. 

I need you help. This seems like a scam and Bright severely damaged my credit report for no reason. 

Thank you for any help.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have had my card compromised several times this year on both my son 's account.and now have had to send me out a new debit card several times... And because of the fraud activity.. they froze my accounts and won't let me access my account with my money that is mine. I need my money
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


WFDS/WDS Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$610.00} Date Opened : XX/XX/2014 Balance : {$21000.00} Terms : High Balance : {$20000.00} Limit : Past Due : {$21000.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
Consumer complaint received 2024-02-29
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (TX)

I made 3 phone calls to Vanilla Gift Card after my card was declined at a XXXXXXXX Texas merchant. The card was purchased on XXXX, XXXX at XXXX XXXX They informed me that on XXXX XXXX, XXXX at XXXXXXXX XXXX charges we made for XXXX and XXXX, leaving XXXX XXXX  as a balance. The unauthorized merchant was XXXX XXXX XXXX - XXXX XXXX, XXXX, XXXX for XXXX. According to my conversation this merchant is on the XXXX XXXX, while I live in XXXX, TX, XXXX. 
I made many calls to Vanilla Card and given incorrect information on how to handle my issue. Finally, I received an email containing authorization for them to assign a case number, XXXX on XX/XX/XXXX. I have sent 6 requests for updates on my case with no response. When I received my dispute information there is a specific email address they requested be used for updates and correspondence during the investigation. I have sent several requests for updates to " XXXX '', but with no response. When I call the phone number, it goes to a foreign call center and I am told that the investigation shows, " pending ''. I kept the outside packaging for the card and card itself along with the informational insert. 
The card information is as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. 
Code at bottom of card XXXX. 
It appears as though they have no intention of refunding my money, due to the timeframe and lack of communication with me. 
Please assist me with resolving this issue Thanks you. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

ive asked FAIR COLLECTIONS & OUTSOURCING to validate this alleged debt and that have not been able to do so as well as ive sent them a cease and desist. They are absolutely violating the 15 USC 1692c ( c ) Ceasing communication - by reporting to my credit report they are attempting to communicate with me indirectly to get me to pay the alleged debt that they can not validate.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX of XXXX, I submitted a Identity police report into my credit reporting file. I called the following credit reporting companies to request a copy of a disputes that I made in XXXX. 
1. XXXX 2, XXXX 3. Equifax Customer service agents for all 3 companies, stated that they would not be able to provide documents of disputes made in XXXX. I am not able to access online.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have been having an ongoing issue with capital one bank not releasing my funds of XXXX that remained from my small business loan a loan that I have to pay back but theyre holding my funds hostage. I talked to the security team with capital one and they stated they were sending it to the lender but would not give a time frame so I contacted my lender and they stated at this point its my money and since the ppp closed there is nothing they can do. It has been for 4 months and I feel like they are trying to still my money
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (TX)

I am refiling this complaint to KIA FINANCE AMERICA for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.
Consumer complaint received 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 

FTC Compliant # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Us Department Of Edu XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed XXXX Dept Of EdXXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX  XXXX Us Dept Of Education XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX  XXXX Dept Of Ed/XXXX  XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX  XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX  XXXX Dept Of Ed/XXXX  XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX  XXXX
Consumer complaint received 2020-08-29
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. (TX)

I sent documents proving some information on my credit report didn't belong to me, including a court order to have the information removed, and it still appears months later after multiple attempts to have the incorrect information removed by XXXX, Experian, and XXXX. 
Specifically, any and all accounts listed from XXXX XXXX XXXX should be removed. 
Specifically, any and all Hard and Soft Inquiries listed from XXXX XXXX should be removed because of online fraud and a court order to remove. 
Specifically, on XXXX report any and all late payments from XXXX XXXX XXXX should be removed or marked paid as agreed and on time. 
All three bureaus were sent certified and non certified documents from my attorneys office to have these items removed and they still appear today.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

The week of XX/XX/XXXX, multiple charges were cleared in my account while my account was negative. The multiple charges caused {$35.00} overdraft fees. The bank approved charges because they can process the additional fee for overdraft.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc. (IL)

XX/XX/XXXX Nationstar Mortgage d.b.a. Mr. Cooper returned endorsed insurance claim checks, requesting the public adjusters name not be included as payee. Only myself, and Mr. Cooper be listed as payees. I contacted the insurance XXXX  to request change in payees. The request took several weeks as a result of XXXX XXXX delay and request for irrelevant. information I filed a complaint with the Illinois Insurance Commission ... Getting back to Mr. Cooper, finally after receiving reissued checks I endorsed and overnight couriered them to Mr. Cooper Loss Draft Department XXXX XXXX, XXXX, due to a Federal holiday they received the three documents they requested payoff quote, signed request to use insurance claim funds to pay off mortgage and the endorsed checks. I contacted Mr Cooper Loss Draft Dept to verify documents had been received, a frustrating process, literally. lead from one person to another and automated responses. One individual stated it would be a three-day turnaround once the documents were entered into their system., another stated it could take up to thirty days.as of today XX/XX/XXXX I have not received the excess funds I requested. Despite the fact I paid my mortgage on time for years. The fact that Mr. Cooper would charge me late fees and interest if I was late paying my mortgage. I also should be justly compensated accrued interest for the funds being held beyond the payoff date.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

ON XX/XX/XXXX OF XXXX  my card was used by an identity thief, this person used the card to do the following transactions : XX/XX/2023 XXXX XXXX {$2900.00} XX/XX/2023 XXXX XXXX {$2900.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX {$2900.00} XX/XX/20XXXX XXXX {$3500.00} XX/XX/XXXX XXXX {$3800.00} XXXX XXXX {$3300.00} I called the bank to report the card stolen and also to report these charges as fraudulent. 

US BANK conducted an investigation and concluded that all XXXX charges were fraudulent and were properly credited back to my account, it was confirmed a thief used was card. What didnt make sense to me is that the XXXX XXXX were not considered fraudulent when they were made by the same person and same date. 

they sent me proof that supposedly i did it, but as you can see in the attached proof they sent was all made by a fraudster the thief sent the company an expired ID the thief also sent an income tax that i was making XXXX a year working with XXXX. when i only make around XXXX with XXXX XXXX. this makes no sense it is clear here that the thief sent XXXX XXXX fake documents and an expired ID stolen from my wallet. Why would the company accept an expired ID as form of identification? all documents are fake and made by the thief. 

US BANK SHOULD KNOW BETTER, why would US BANK CLOSE MY ACCOUNT after being a victim, US BANK DECIDED TO CLOSE MY ACCOUNT and also charge me more than {$5000.00} USD. this is not fair. I NEED US bank to properly investigate this matter.
Consumer complaint received 2024-02-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NV)

I requested validation of debt from company in XX/XX/year> via complaint id : ( XXXX ). Still have not received anything from them. Was told I would receive debt validation as well as a copy of the lease they claim allows them to charge ridiculous interest on the account. Nothing has hit my mailbox to this day! 

I want a written contract in wet ink that I have done business with your company, and proof that I owe your company the amount you claim I owe. This is destroying my credit, my ability to obtain affordable financing especially as a minority college student, and my overall quality of life. It's impossible to recover financially with this enormous " apartment bill '' reporting which is false information as far as I can see. 

BBB has been no help either, neither have the credit bureaus performed their due dilegence and provided me with a reason as to how they evaluated the validation of the debt as I received no information whatsoever regarding the details of how this debt belongs to me. 

I'm asking for help can any ethical team member of the CFPB please be the one to review my case. I have no choice but to contact the executive team. I will never be able to pay this debt, neither survive financially with it looming on my credit report charging interest almost every day.
Consumer complaint received 2020-08-29
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: DISCOVER BANK (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Altitude Community Law P.C. (FL)

In XXXX, I was contacted by a law firm called Hindman Sanchez, regarding a debt owing to my HOA, managed by XXXX XXXX, in CO. Prior to that, we had paid our HOA dues by ACH, as we now reside in Florida. When I received the notice, I looked at my bank account and realized that the HOA had stopped submitting the ACH 6 months previously. I immediately wrote a check to cover the difference, but shortly thereafter received another notice that Hindman Sanchez was intending to pursue collections. I asked for clarification on what they were trying to collect, but did not receive a response. I then received a letter stating that they have obtained a judgment, but when I call them, nobody answers the phone. I have documentation of all the payments but can not get anyone to respond to my calls or emails. Any help you can provide would be much appreciated. Thank you!
Consumer complaint received 2015-05-08
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (SC)

Enterprise Recovery Systems , Inc . 
XXXX XXXX XXXX, IL XXXX : ERS Account # XXXXDear ERS/XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by mail dated XXXX XXXX, XXXXand identified the debt as XXXX. I do not have any responsibility for the debt you 're trying to collect. 
If you have good reason to believe that I am responsible for XXXX of debt owed to you, mail me the documents that makeyou believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX
Consumer complaint received 2021-10-06
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: ALLY FINANCIAL INC. (IL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ALLY FINCL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding (FL)

On XX/XX/2021, spoke to my Mortgage company about a forbearance due to XXXX XXXX XXXX XXXX XXXX XXXX  for 3 weeks and needed a payment for this month deferred because we are low on funds. The Agent took like a credit application and said we do not qualify because we don't have enough money coming in!! Isn't that what a forbearance is? To help people get back on their feet? This made no sense to me when that's why we asked for a payment to be deferred. If we had the extra we could pay it!! Now they denied us we had to take money we don't have and pay it then try to live!! I have never heard of a Company doing this practice! Take a credit application for deferring a payment. Then deny us when that's what a defer means, to help people get back on their feet!
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NH)

I noticed multiple fraudulent charges using my debit card with chase. Majority of these charges happened in the XXXX months and I didnt catch them until now. Im not sure how long my card was compromised for but whenever stole my information was having an absolute field day. I canceled the card and went over my statement to view all the charges that were not made by me, majority of these being to XXXX Id imagine this is how the perpetrator was receiving my money. Im not sure how it works because I am not a frequent cash app user, only having used it a few times years ago. I filed a claim for the amount of XXXX and noticed they reversed it and closed the claim today, leaving me in debt. I physically can not eat or pay my bills as of now and its really frustrating me.
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (CA)

I have sent multiple letters about unauthorized inquiries on my credit report. There has been nothing done about it. I have even placed a fraud alert on my credit report because there were inquiries that I did not authorize. These need to be deleted immediately it is affecting my score and reporting inaccurate information.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (FL)

I received XXXX denied credit letters that i did not apply for and they are listed with my maiden name XXXX XXXX. I received the letters the week of XXXX XXXX. 
Company name : Discover  application # XXXX ( XXXX ) XXXX Company name : XXXX XXXX XXXX  application # XXXX ( XXXX ) XXXX Company name : XXXX XXXX XXXX application # XXXX ( XXXX ) XXXX Also on my credit report XXXX  card was reported and it had a balance. I called XXXX and they said their Fraud Department would handle it. it was opened in XX/XX/2023