davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CCB/XXXX, I am writing to address the unauthorized reporting of information to my credit report by CCBXXXX, which constitutes a clear violation under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state laws on identity theft and credit reporting rights. 

It has come to my attention that CCBXXXX has engaged in unauthorized reporting to my credit file without obtaining my explicit consent, an action that directly violates federal requirements under FCRA Section 1681b ( a ) ( 2 ), which mandates clear consumer consent for credit reporting activities. Furthermore, under Missouri law, unauthorized use and reporting of personal information without consent fall under Missouri 's Revised Statutes ( RSMo ) on identity theft, which aim to protect consumers from unauthorized access and misuse of their information. 

This unauthorized reporting by CCBXXXX, without my knowledge or approval, disregards these protections and potentially jeopardizes my creditworthiness. Under FCRA requirements and Missouri 's statutes governing personal data protection, this constitutes a serious violation of my consumer rights. 

I hereby demand that CCBXXXX immediately ceases any further reporting of information to my credit report without my express consent, as required by federal and Missouri laws XXXX Noncompliance within 30 days will be treated as willful disregard for my consumer rights, subject to federal and state penalties, including those applicable under Missouri identity theft and consumer protection statutes. 

This is a demand for compliance with both federal and Missouri laws safeguarding consumers from unauthorized and damaging credit practices. I anticipate your immediate action to resolve this matter and expect that CCBXXXX will adhere to all applicable laws, respecting my rights as a consumer. 

Done in good faith.
Consumer complaint received 2024-10-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NY)

The loans in review were consolidated and there is no way to differentiate the percentage of the Perkins Loan that was consolidated is being denied. The loan in review is NOT a Perkins loan and should be granted full forgiveness. XXXX  needs to conduct a full review and provide how and why they determined the amount of the loan being denied.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX {$550.00} XXXX XXXX {$460.00}. XXXX {$69.00} ; XXXX {$270.00}. XXXXXXXX XXXX {$560.00} Totalling {$1900.00} I first called XXXXXXXX XXXX XXXX XXXX on XX/XX/year> to notify the company to unauthorize anyone to use my credit card. The above transactions were not used by me and i did not travel overseas during the above periods. The above transactions may have been charged by my separated husband whom we started our separation on XX/XX/year> and i officially filed the divorce pettition on XX/XX/year>.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (NC)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX XXXX and XXXX XXXX report on XX/XX/XXXX, XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Yours Sincerely XXXX XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (VA)

I am receiving collections calls and there is a collection on my credit report for {$110.00}. This is associated with XXXX XXXX. This collection is accurate. I called for a purchase agreement to this collection 's agency and was not give one.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GMA Investments, LLC (FL)

For the last 45 days, I have received no less than XXXX calls a day from various phone numbers from XXXX. Multiple voicemails are received and ask to return the call to the number on the caller ID. I called and " Summit Receivables '' answers. I asked for reference and they stated me " questioning the debt or asking for validation would reset the statute of limitations. '' I asked for clarification and then to please stop calling my numbers. The agents response was " you're being referred to legal '' then hung up. I continue to receive multiple calls a day from random numbers.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX, I received a missed phone call from XXXX XXXX XXXX XXXX. Upon calling back, I was notified that my {$100000.00} transfer to my XXXX brokerage account will be reversed. I have had payments reversed to XXXX in the past, and have completed a successful XXXX way bank call months ago to confirm that the XXXX account is my account. Upon being transferred to a supervisor on my call initiated at XXXXXXXX XXXX  XX/XX/XXXX, I was notified that my transfers will be reversed due to quick money movement and the money needs to sit in the account for an undisclosed amount of time unless I wanted to send the money back to the original wire sender. I received the wire transfers as payments, and hence it would be an incredible hassle to send all of my money back to the multiple different originating accounts belonging to multiple different individuals. They recommended XXXX months, and there is absolutely nothing in the deposit terms regarding this time length or any quick money movement restrictions. 

At XXXX XXXX XXXXXX/XX/XXXX, I called back to ensure try account is in good standing and the reversals are not a result of any fraud blocks or regulatory/compliance related issues. I was confirmed by specialist XXXX that there are no fraud related blocks or holds on my account, and that it is in fact true the reversals are due to quick money movement. 

Due to the aforementioned and the fact that my funds are not being held due to any fraud/AML restrictions XXXX I strongly believe XXXX to be conducting fraudulent business practices under Regulation E ( Improper Reversal of Authorized Transfers ( 12 CFR 1005.10 & 1005.11 ), Lack of Clear or Advance Disclosure ( 12 CFR 1005.7 ), Denial of Funds Without Fraud or Regulatory Justification ( 12 CFR 1005.6 ), Unjustified Retention of Funds ( Good Faith and Error Resolution 1005.11 ) ).
Consumer complaint received 2024-10-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (WA)

Statement on Identity Theft and Lack of Response from Creditor I am filing this complaint due to identity theft affecting my credit report and a lack of response from National Credit System regarding my requests for debt validation. After identifying suspicious activity, I took immediate steps to dispute these inaccurate entries and requested debt validation from the company, following standard protocols. Despite my efforts, National Credit System has not provided any response or supporting documentation to validate the debt and has not removed the disputed entries from my credit report. 

These unresolved inaccuracies are affecting my credit standing, and I am concerned about the ongoing impact of this identity theft on my financial health. I kindly request the CFPBs assistance in ensuring that National Credit System complies with the Fair Credit Reporting Act by addressing my dispute and removing these unauthorized entries from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Starmark Financial LLC (TN)

I have been receiving numerous of calls from a company that I am not familiar with called XXXX. The company call while I am at work, and throughout the day ; when I did answer, a person tells me the call is in reference of a business matter and then proceed to put me on hold ; I ended up hanging up because I do not have any business with XXXX and have never heard of them ; The following week, I get a call from my ex husband telling me that a company by the name of XXXX have been trying to contact me and asked him for my number ; XXXX has violated my privacy rights and has also violated Fair Debt collection Practices Act. By contacting my ex husbands about a debt, which caused me great embarrassment, harassing my by calling numerous times through out the day, while I am at work, and recently added the debt of XXXX to my consumer report. The only reason I knew it was XXXX because on my consumer report it states STARMARK FINANCIAL LLC. with the same amount of XXXX. Also, I recently received a letter in the mail from XXXX explaining to me to call or write by XX/XX/year> to dispute the debt and they would have to stop collection on the debt until they send validation. XXXX has already put the debt on my consumer report before I could request validation of the debt ; Last year the same company was calling and harassing me and I requested validation and they sent out a piece of paper, that looked like someone had typed up and added an amount too it. According to 15 U.S.Code 1692g, the statue requires that the debt collector provide " verification of the debt '' upon the Consumer 's request, and this verification must be more than a mere assertion of the existence of the debt or a statement of the amount owed.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX  dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

I made a deposit in which I only received 50 % credit. I called and requested an investigation. An investigation was conducted and it was discovered that in fact I only received 50 % credit of my deposit. I suspect this has happened in the past and would like a more thorough investigation to determine. Likewise, I physically went into the bank to close the account a week ago. However, when I called today to inquire about what would happen when a deposit/credit tries to post to the closed account ; I was informed that the account was still open. HOW?? I closed the account. I was also informed that within this week of me closing the account that both deposits and withdrawals have been made. How, when I closed the account? I was told they had no answers and I need to go into the actual bank branch to get answers. Why would I put myself in harms way by speaking with anyone who is obviously stealing from me?
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (TN)

XXXX continues to furnish information that is inaccurate debt on my credit report. Instead of XXXX lying about a investigation, They do not investigate and continue to keep a debt I do not owe on my credit report SPRING OAKS CAPITAL LLC I have sent a letter to for proof aswell as XXXX and they continue to not delete the inaccurate debt from my report, They also continue to send the debt to me in names that are not mine I am also attaching the wrong names they continue to use to keep debt on my report
Consumer complaint received 2024-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

this is a collection that does not belong to me, this company has reported this debt without validating the debt, in its attempt to collect the debt Transworld never properly did its due diligence in confirming the debt was mines, i have reached out but was always met with sarcasm, mean spirited debt collectors who only mission was to assign and collect on a debt never belonged to me.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Goldman Asset Services, INC (KY)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, GS BANK-GM number : XXXX date XX/XX/year> XXXXFurthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPORTUN FINANCIAL CORPORATION (NC)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Oportun Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I am writing to dispute an unverified and inaccurate debt collection account from XXXX XXXX listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information reported is accurate and verifiable. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requires debt collectors to validate debts upon request. This debt collection account has not been properly verified, which is a clear violation of these federal laws. The recent court case *XXXX XXXX XXXX XXXX XXXX, XXXX, '' XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ** reaffirms that credit bureaus must conduct a thorough and reasonable investigation into disputes to ensure that reported information is accurate. I demand that you conduct a proper investigation, remove this unverified debt from my credit report, and provide written confirmation of the correction. If you fail to take this matter seriously, I will consider pursuing legal action to enforce my rights under the FCRA and FDCPA. Thank you for your immediate attention to this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (OH)

Verifying identity, account frozen since XX/XX/year>. I provided ID. All requested information except, Current Bamk requires the last 4 of a card that I reported stolen months ago in verifying the account.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

Subject : Urgent Assistance Needed! 

My sister and I, who live in the XXXX, have a joint account where weve been saving every XXXX left over from our bills for retirement. The only activity in this account has been deposits for years. However, between XX/XX/year>, and XX/XX/year>, there were 34 unauthorized ATM withdrawals from XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, totaling {$18000.00}. I typically dont check this account unless I have money to deposit, which is why I didnt notice the theft sooner. 

Upon discovering these transactions on XX/XX/year>, I immediately contacted the bank. They opened a case but subsequently rejected it. I requested an escalation, but today they informed me that the case is closed and they will not conduct any further investigation. I also filed a police report ; however, my city lacks a police department, so I reported it to the XXXX Department, but I havent received any updates. 

Im feeling overwhelmed, scared, and stressed about this situation. I dont know what to do next, and I cant afford a lawyer ( as suggested by Chase Bank ). I would greatly appreciate any help in recovering my hard-earned money. 

Please let me know if you need any documents or further information. Thank you!
Consumer complaint received 2019-03-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, as the result of poor service and poor information from my personal accounts manager, I decided to rollover my IRAs ( traditional, XXXX, XXXX ) from the XXXX XXXX, XXXX XXXX, New York branch of Chase to another bank in XXXX XXXX  ( XXXX ). 

Three checks were given to me without guidance or information. When I brought the checks to XXXX XXXX  in XXXX XXXX, I was advised by the banker there that IRS rules permit only one rollover per year ( with a hefty penalty for any other rollovers executed that year ). 

At that point, because the three accounts at Chase had been cancelled, I only had one option : to roll over one of the accounts and to effect a trustee-to-trustee transfer for the remaining two retirement accounts, which Chase executed on XX/XX/XXXX. 

At that point, I was charged {$560.00}. ( penalties incurred because the two transferred accounts had been in long-term cds ). I had been encouraged years ago at Chase to place the accounts in long-term cds and was told that at my age ( I am now XXXX years old ), I would not be penalized if I removed the funds. I now understand that the rules about rollovers changed some years ago. 

Because of poor advice ( actually no advice ) at Chase, I found myself in the position of being charged {$560.00}. for the incompetence and, I, suspect, indifference at the hands of Chase employees. 

I have spoken and/ or written to various people at Chase : the bank manager in XXXX XXXX , New York ( letter sent XX/XX/XXXX ), a vice president in Retirement Services ( letter sent XX/XX/XXXX, and the Complaints Department ( letter sent sometime in XXXX ). The bank manager said she had sent my letter of complaint to her supervisor. 

Thus far, I have not received any answers from any of those I have contacted.