davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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: LEXISNEXIS (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau po box 27170 Washington XXXX DC XXXX XX/XX/XXXX XXXX : Request for VALIDATION, NOT VERIFICATION RE : CFPB Complaint Number # XXXX Subject : XXXX XXXX XXXX XXXX A To Whom It May Concern : This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is an FDCPA violation and you continued to report a disputed debt to the Credit Bureau, another FCRA violation. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureau causing damage to my character. 

This letter will AGAIN request that you follow the FDCPA and please provide the following validation of the debt request : Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest, and penalties Contract bearing my personal signature As you may be aware, Estoppel by Silence legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to - your company for violations of my consumer rights as specified under both the FDCPA and FCRA. I may also seek damages from you if warranted. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Dear CFPB agent, I opened a case with US bank and I was very frustrated on how they handled my case. It was a violation on my Client agreement with them when I opened the account and for some reason my account information or data was changed or manipulated by the bank 's Fraud Dept : 1. ) On Overdraft Coverage/Protection : I never opted for an overdraft protection when I opened the checking account I filed a case on, There was no verbal or written authorization from me. Despite that that they paid an ACH item for {$5000.00} on XX/XX/2020 that was unauthorized. They took {$4200.00} from our savings account to my checking account to cover a {$5000.00} ACH item that overdrew my account - {$710.00}. I made sure through online banking that I did not have an overdraft protection. I never had overdraft coverage on all our accounts and on XX/XX/2020 I received a message from the bank that my account was changed to a marked " YES '' for an overdraft protection coverage, this was the same date they denied my claim.I never changed any of my banking terms on-line. We can investigate on this and get an audit log of the who is made the changes. 

2. ) On Alerts via text or email messaging : I opted for this and we've been getting alerts but not on the {$5000.00} item that was paid on XX/XX/2020. 

3. ) On the Fraud Dept errors : I opened a case on XX/XX/2020 but it was declined then closed, and the item was returned with " insufficient funds ''. I was told that the item the case was opened with was the wrong item since there were other {$5000.00} items returned unpaid on the same date, also unauthorized. So they opened a new case on the correct item that went through and paid. XX/XX/XXXX. Then it was again declined and closed. There was a total of 4 cases opened and declined due to bank errors 4. ) On Provisional Credit : I have received the form to be signed a day before they expired for a provisional credit, this happened 3 times. To meet the deadline I faxed these signed forms at the branch. They also instructed me to send the original via certified mail and I did. They never gave me the credit despite their mistakes. 

This has been very stressful to me and I told them they will hear from my lawyers and will report them to CFPB. I want you to do what you need to do since you are the authority responsible for unethical and negligent acts of this financial institution. How they're handling the case and treating me has been discriminatory. I hope CFPB is far from discriminatory as expected. 

Mrs. XXXX XXXX XXXX ( XXXX ) XXXX Realtor/Loan Officer XXXX  XXXX XXXX XXXX XXXX XXXX DRE # XXXX NMLS # XXXX
Consumer complaint received 2022-12-20
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. (NJ)

This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts and information you report on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX Balance XXXX XXXX XXXX, XXXX Original creditor : XXXX XXXX Balance {$330.00} XXXX XXXX XXXX Original creditor : XXXX Balance {$570.00} Date opened XX/XX/XXXX. I have red my rights under the FCRA and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, MD XXXX, which was received and signed for by their company on XX/XX/2020 requesting validation of account # XXXX by sending me competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and if they could not validate the debt, they are in violation of the FCRA & FDCPA and are required by law to remove any negative marks on my credit report. 

Their response dated XX/XX/2020 was a one paragraph letter stating that they reviewed the account on record and determined the the information reported on my credit file is correct. I received no documentation at all. 

This is a blatant violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. In addition, I notified them that I was disputing this item, and after well over a 2 month period, they have yet to mark the item as " disputed '' on my credit report, which is also in violation, therefore, this alleged account should be removed from my file.
Consumer complaint received 2022-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I XXXX  a {$470.00} by Well Fargo bank on XX/XX/2022 to a seller name XXXX XXXX but turn out he never ship or send me the order. And I have tried to contact the bank but they cant do anything about it
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I have been a customer of Chase Bank for over a decade. They have my mortgage and I have a checking account with them. I live in XXXX County in California. The only two branches of Chase in XXXX County are in XXXX ( the County seat ) and XXXX ; both of these branches have been closed for at least 10 day. To make matters worse, the ATMs at these branches will not accept any deposits or disperse cash. This has created a hardship on many residents of this area. There was no advanced notice of this closure. Many people have gone to other banks and have been charged fees to use that bank. I drove to XXXX XXXX, 70 miles each way. 
I have spoken to representatives from Chase on three different times and I have contacted them via web and e-mail twice. 
Up until this happened, I was happy with Chase and I do not take any pleasure in reporting this to the Federal Government, but something needs to be done to correct this problem. 
I have a news paper article about this issue and pictures of the closed branch in XXXX taken midday on Monday, XX/XX/XXXX.
Consumer complaint received 2020-08-14
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: General Motors Financial Company, Inc. (CA)

I leased a vehicle through GM financial in XX/XX/XXXX. It was a three year lease - I kept current on the lease until the end of the lease ( XX/XX/XXXX ). I returned the vehicle, all payments current. In XX/XX/XXXX, I received a notification that I had delinquent marks on my credit report by GM financial. They had marked my credit for late payments for XX/XX/XXXX-XX/XX/XXXX. In a panic, I contact GM financial. I was told it was an error on GMs end and that I would receive a letter and email to send to the credit reporting agencies to get the marks removed. They also indicated they would contact the credit reporting agencies on my behalf. Two weeks have passed and I have yet to receive anything in the mail or via email from GM financial, as promised. After checking my credit report, they have now marked XXXX late, which is also grossly inaccurate and negligent on their end. I contacted them again today to no avail and submitted a complaint via their website. I need this rectified, as GM is inaccurate reporting to the credit bureaus and damaging my credit without merit.
Consumer complaint received 2020-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (IL)

On XX/XX/XXXX, the state of Illinois shut down due to covid. I work two jobs, both of which were affected. Originally, the quarantine was to be 2 weeks. Unfortunately it was extended many months. This affected my ability to pay the last installment of this loan. I contacted the lender requesting a deferment. The lender advised me that a deferment was not available to me as this was my last payment. However, a deferment was available to other borrowers. This is absolute unfair practice. My payment history was perfect until this last payment. This lender 's policy caused my credit to be affected. Covid was beyond my control. I feel this company is predatory. The CARES act requires lenders to report current when accommodations are made. In order to practice fairly, customers with one payment left should not be discriminated against. We were all affected by this pandemic.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank BBVA COMPASS to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( XXXX XXXX XXXX  ) to confirm funds and to give myself peace. On XX/XX/2020 I called XXXX XXXX XXXX ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX company to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank BBVA again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by BBVA Compass. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 BBVA Compass deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.
Consumer complaint received 2022-07-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-11
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. (NY)

My Mortgage is in forbearance and I am trying to do a modification to bring my account current, however, XXXX XXXX XXXXXXXX  reported to all three major credit bureau that I have been over 120 days delinquent. This has affected my credit tremendously. 
Below is posted on their web site. I disputed the delinquent with them and I was told to dispute it with credit bureau and they will address it. 

BELOW THIS IS POSTED ON MY ACCOUNT ON THE WEB Our systems indicate the you are currently on a forbearance plan or have been on a forbearance plan in the past. While on the forbearance plan, you are not required to make your monthly mortgage payments, you will not be assessed any late charges, and negative credit reporting has been suspended on your loan. This means you will not be marked " late '' for any suspended payments.
Consumer complaint received 2020-07-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO Bank, N.A. (FL)

I paid my car off on XX/XX/XXXX. At the advise of the loan officer i was told that it would report as lien released within 48 hours or as soon as money shown as removed from my bank account. I was told by representative that she could make two checks by phone for total amount because the limit for each transaction was {$5000.00}. She drafted a {$5000.00} transaction and a {$3000.00} transaction. I was told that once the money was deducted from my account that i could get my lien released. XX/XX/XXXX i called back and spoke with a supervisor XXXX. I was told that it would take 11 day to verify funds before the lien could be released. He finally after being pressed agreed to see if he could get it done as promised. He asked me to email a copy of my bank statement showing sufficient funds to complete the transaction. I emailed it to XXXX. I received a document saying BMO Harris has no financial interest in my car. Its now the XXXX and the electronic release still has not been received by the state of Florida. I spoke with a XXXX XXXX tax collector who informed me that the lien was still in place. 
XXXX XXXX stated that there was nobody above him to complain to and that his supervisor was on vacation anyway and had no idea when shed be back. Only that i could not contact her. 
Spoke with a XXXX who claimed to be at the same level as XXXX XXXX. She confirmed that release of lien was no requested on the XXXX as states several times by XXXX XXXX. She stated that it was requested released a little after XXXX today after my 4 th call to XXXX .
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

On XXXX XXXX Midland Funding purchased my private information from XXXX Bank and are assuming that I owe them {$790.00}. I have no contract with Midland Funding so there for I do not owe them. they are both in violation of 15 usc 1681 and 15 usc 1692 which is fraud and identity theft under consumer law.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

After waitng on my much needed unemployment money i called way2go card and informed them i wanted a change of address and a new card since i moved last year. We went through all steps she confirmed my new address and my card was on its way to me with my money on it.But thats not what happend the agent poorly didnt save my new address and sent it to wrong address where someone was able to use my card and take my money leaving me more stressed and behind bills..I became aware only because i paid XXXX for expedite shipping which was 2 days when a week went by i was concerned and called way2go finding out someone used the card and that they sent it to wrong address.i followed all protocol with paperwork even after calling day by day being on hold for hrs to be disrespected by agents and them not helping me in anyway.Evenn after admitting it was there fault.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (GA)

I learned, while viewing my credit information on XXXX, that Comenity Capital Bank/ XXXX XXXX opened an account in my name in the amount of {$12000.00} ; I have never asked Comenity Capital BankXXXX for credit in any amount, and have never received any credit or money from them, and if they are making that representation they are misinformed, or complicit.
Consumer complaint received 2020-07-29
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 (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (AL)

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

XXXX5 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 instruction.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Consulting Services, Inc. (CA)

XX/XX/2018 my tenant called XXXX XXXX  XXXX XXXX of XXXX XXXX, CA to fix a part in a range. I was given the parts and labor cost over the phone and authorized the work. Work was performed on XXXX. I then received a bill with an additional 'service call ' fee of {$110.00}. I did not authorize this fee. I called payment in for invoice # XXXX for the parts and labor, XXXX XXXX XXXX  advised they have a fee for the service call. I advised that I did not authorize that fee but that I did authorize work and parts and paid for those services in full. They called a few times to collect this service call fee later. Each time I described that I never authorized that " call fee '' and they stated that this was their policy and that the fee still stands. I never knew about this fee before the work and therefore will not pay. It's unlawful to ask me to pay for something I did not authorize. If they had a service call fee, I would have found another company to take care of the repair. Now, I am having major credit issues because they feel they can charge fees without authorization. It's a horrible way for them to do business and they should be penalized for the way they handle their practices and not inform their consumers before work is done. Instead, I have credit issues over their negligence and a life-time of good credit has been tarnished.