davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (GA)

It all started on XX/XX/XXXX when I deposited a check and open an account on the same day. I will need to check on my insurance company for a loan of fmy life insurance. I did a mobile deposit like 10 days later the money was in my account that was XXXX XXXX. On that day I realized I did not have or did I receive a bank card so I called and ordered one. Due to the fact I didnt have a bank card I sent money through my account through XXXX XXXX I can get some money so I sent it to some friends because I had no way of getting the money out by Monday, XXXX XXXX they froze my account and said it was due to the check being fraudulent. I spoke to supervisor on the phone that day who told me that the check was from a steel construction company. this made no sense to me at all because the check literally came from my insurance company. They mailed it to me. I had to go through a whole too much process just to get this loan from my insurance company so I knew that there wasnt nothing shady about it and the check said XXXX XXXX insurance on the front. So Im just been waiting and waiting. I spoke to people at the bank XXXX department several times wanting answers but nobody was really telling me anything except that I had to wait in my account was frozen and under investigation. I finally contacted the Fdic because I felt like it was not making sense because they cashed the check but theyre saying that its fraudulent I didnt understand so after I contacted the FdiC, XXXX received a letter from the bank stating that they were closing my account. So I called several times to speak to somebody trying to figure out what was going on with the money that was in my account from the check and I spoke with a lady named XXXX from the fdic and she informed me that the bank was going to have to either give me the money or send it back to the insurance company. I explain to the people at the bank that I got that one because I needed that loan because I was behind on my bills and now Im about to lose everything. In just a few days, Im gon na be homeless. I got that off my life insurance because I needed it and this whole situation is ridiculous because they literally are taking my money and now telling me that theyre keeping it. I cant do anything about it. Spoke with the lady named XXXX XXXX At the XXXX department from Truist who told me that I couldnt get the money back and they were keeping it and they had every legal right to keep it. I dont understand how they have the right to take my money.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Village Capital & Investment LLC (WA)

I attempted on XX/XX/XXXX to make XXXX payment Due to the incompetence of the employee I was unable to pay the entire amount because I was XXXX $ short in XXXX account and need to split into XXXX and XXXX the XXXX was processed but the employee did not know how to take the XXXX $ so she told me to call back the next day to pay but no one would answer for the next week and I finally emailed the company to have someone call me! Eventually after XXXX I was able to get someone and they processed that payment and took an advance on the XXXX payment. I called twice in XXXX and finally determined that they had tried to debit the wrong account. But was then fixed. All of this is recorded and commented on by their employees especially XXXX and XXXX, they took off late fees and said it was all taken care off. I sent concerns to inquiry @ village capital. They reported me late and dropped my credit score to XXXX from XXXX so I am devastated. I sent all info and asked for an investigation, they said they were justified. They couldnt have read the comments and come to that conclusion.please investigate this. I dont believe I can ever recover from this.
Consumer complaint received 2024-02-26
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: Stellantis Financial Services US Corp. (NY)

The last payment submitted to First Investors was on XX/XX/XXXX. It is now XX/XX/XXXX and I still don't have my vehicle 's title. In XX/XX/XXXX I contacted First Investors to find out what was happening with my title and the representative said I needed to contact the NY DMV. 

The next day I called the New York DMV and they said they NEVER received the title from the California DMV, where I originally purchased the vehicle in XXXX. 

So I called the CA DMV and they told me that a few months prior, Nationwide the original creditor had requested the title from them and they never saw it again. Nationwide states they have no idea what the CA DMV is talking about. So I'm still sitting here with a paid off vehicle and no title months later. At point I was First Investors or XXXX to directly provide me with my title. I can't believe I have to go through all this hassle to collect something that's legally mine. They have my most current updated mailing information.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MS)

On XX/XX/XXXX I received notice that XXXX reported a collection on my report from Jefferson Captial System for XXXX. 
I never received any information from Jefferson for to validify this debt. 

This is the 3rd collection company that have purchased this debt, and no one can verify the alleged debt. CFPB case XXXX with XXXX XXXX was closed and removed from my report because it was NOTverified, fast forward 2 years later it is purchased again with Jefferson Capital System . How many times can this alleged account be purchased and not required to provide proof as stated as my right under 15 USC 1692g Sec. 809 ( b ).
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this to report five fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a loan opened at XXXX on XX/XX/XXXX under the account number XXXX ; a loan opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX ; an auto loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX on XX/XX/XXXX under the account number XXXX  ; and a credit card collection account opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report, including inquiries from XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that the aforementioned fraudulent items be removed from my consumer report. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-02-26
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 (CO)

I am rewriting to express my dissatisfaction with the inaccurate information present on my credit file reported by HYUNDAI CAPITAL AMERICA. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXX XXXX, XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures. I have also attached the FTC report to support this compliant with the FTC report number XXXX for your reference.
Consumer complaint received 2024-02-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

Looking over my credit report I saw some items that I am not a consumer of, nor have I ever been. 
Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed, and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
Please provide me with the below mentioned things : * The amount you claim I owe you *Explain and show me how you have computed the amount *Send me the copies of any documents that prove I agreed to pay the alleged amount *Identify the original creditor *Confirm that the account has not crossed the XXXX period *Prove that youre a licensed debt collector *Show me your license numbers and registered agent.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NJ)

SELF /XXXX  XXXXXXXX XXXX - opened XX/XX/XXXX SELF /XXXX XXXX XXXX - opened XX/XX/XXXX SELF FINANCIAL/LEAD BANK - opened XX/XX/XXXX In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-26
Product: Credit 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: BARCLAYS BANK DELAWARE (WA)

On XX/XX/2023 I purchased 2 tickets for " XXXX XXXX XXXX XXXX XXXXXXXX '' for Saturday XXXX XXXX through XXXX in the amount of {$280.00}. Mind you I am almost XXXX XXXX XXXX and have always purchased through XXXX and this company advertised almost exactly the same, however after the purchase ( which I also found out later was double the cost of what the tickets should have been ) I received nothing from this company through my email or texts. I DID check all of my email folders like SPAM and JUNK and still NO TICKETS. I paid for these with my ( Old Navy ) Navyist Rewards Mastercard account ending in XXXX. I tried reaching out to XXXX through a 800 number where I was told they could not help me and I needed to contact my credit card. Since then, I have called numerous times. The first time I wrote down that I had called was on XX/XX/2023 I spoke to a " XXXX '' where I explained I had NOT received any tickets. I was given a case # XXXX and told to try the merchants # again which the gave me as XXXX and that they too would look into the matter. Proceed to XX/XX/2023 where I received a letter from Barclays/old Navy Credit Card stating they have notified the merchant and they are waiting for a response. On XX/XX/2023 at XXXX I again called the credit card and spoke " XXXX XXXX and she proceeded to tell me that the merchant ir providing them proof that I had received the tickets and they would be sending me copies of this " proof '' and that no refund would be issued at this time. They could not tell me how or through what means I supposedly received the tickets but that they would be sending me all the info. Which has never happened. I am beyond frustrated, I have been a great customer not only with this Credit Card but with all of my credit card companies. My credit score will reflect this. I also, am on a fixed income and this was suppose to be a present with my XXXX  that she never got and I am out almost {$300.00}. Please help me with this. I NEVER RECEIVED AND USED THOSE TICKETS.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (NJ)

I sent a verification of debt in early XXXX via fax and email for two loans ( XXXX & XXXX ). The lender denied my verification of debt because it did not include a signature. However, the FDCPA does not specify that a verification of debt must be signed by hand. It can be signed electronically or even verbally ( i.e. via email ). I understand why my fax request is denied but my email verification should still be valid. As the account holder, sending you a request with the email on file should be enough proof to perform the Validation of debt. I also provided the last 4 of my social. If this is solely a NewRez company rule, they are at fault. This is illegal because their internal rules can not triumph law.
Consumer complaint received 2024-02-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC (VA)

The reason for this complaint is because I received a letter in the mail from Glasser and Glasser P.L.C informing me this communication is from a debt collector and is an attempt to collect a debt. As I go through the paperwork I realize that XXXX XXXX an employee of XXXX XXXX XXXX XXXX sent my medical records to a 3rd party without my consent. Which is a violation of my rights according to the code of Virginia 32.1-127.1.03 - 3. No person to whom health records are disclosed shall redisclose or otherwise reveal the health records of an individual, beyond the purpose for which such disclosure was made, without first obtaining the individual 's specific authorization to such redisclosure. 

In the packet I received from Glasser & Glasser P.L.C a consent & financial responsibilty form was provided but not a form of authorization from XXXX XXXX. I am unaware of how many people have access to my non public personal information without my permission. I attached the documents where the law firm sent me my health record with all the information showing, then the second copy blacks out the procedure codes and the final copy blacks out everything. 

This incident made me deeply concerned about the protection of my personal health information and how it was carelessly mishandled. According to HIPPA regulations, healthcare providers are required to safeguard patients protected health information and ensure confidentiality. The incident I experienced indicates a failure to uphold these regulations, exposing my private medical information to unauthorized individuals per 42 USC 1320d-2 As a result of this breach, I have experienced stress and anxiety from my medical records being shared with people I did not grant access to, lost of trust in the entity who holds my medical records. Financial loss due to having to attend court and not able to make up time because Im a single parent and I can only leave my child at daycare for so many hours. This breach of trust has shaken my confidence in XXXX ability to protect patients privacy & confidentiality.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Greetings ; I was the victim of a fraud/scam and my Wells Fargo checking account was depleted. Wells Fargo refuses to take responsibility ( though representatives have apologized for the bank 's failure to protect me from fraud ). Below please see my most recent letter to Wells Fargo which gives a detailed description of what happened and explains why the funds should be restored to my account. I would appreciate any help you can provide. I need to recover my {$7000.00}. I am retired and living on a fixed income. Thank you, XXXX XXXX Wells Fargo leadership ; As a long-time, loyal customer of Wells Fargo , I am greatly disappointed about your denial of protecting me from an obvious fraud on my account. Again- for your information, please note the following : * My name is : * Wells Fargo case number : * Account number ending in : * The bank permitted an unauthorized fund transfer of {$7000.00} on XX/XX/2024. I reported this issue to XXXX on XX/XX/2024. I met on that morning with the XXXX XXXX branch XXXX, XXXX XXXX. 

As I previously explained in writing, the fraudsters had hacked into my account and fraudulently set up an unauthorized electronic fund transfer. They used a Wells Fargo phone number ( the XXXX on my debit card ) to communicate to me as allegedly Wells Fargo employees to convince me that I was approving a recall of a funds transfer. To be clear, I never knowingly approved any funds transfer in this matter as your letter indicates. The approval was only to recall a funds transfer. 

My understanding is that under the XXXX XXXX any electronic fund transfer initiated from my account other than by me is an unauthorized electronic fund transfer - even if I was fraudulently induced to approve a recall of a transfer. 

As I reported this unauthorized funds transfer within XXXX days, my account should be credited in full ( net of {$50.00} ). 

Also, please provide to me all documents used to deny my claim as required under the XXXX act. 

Let me know when there is a convenient time to have a follow up call to discuss restoring the funds to my account. 

Best wishes, XXXX XXXX ( XXXX )
Consumer complaint received 2024-02-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

On XX/XX/XXXX I settled the rest of my private student loans with Navient and paid {$15000.00}. The transaction was received but Navient never sent me a Finalized Settlement Paid in Full Letter. It has been almost a year and the account is still showing as open and payments past due. Additionally, the private loans that are still showing as past due are all the loans referenced and specified in the settlement offer letter ( which I paid in full and on time ). Since the end of XX/XX/XXXX I have been calling and speaking to different Navient representatives and transferred to different departments explaining the situation. I emailed the XXXX XXXX  Team twice ( on XX/XX/XXXX and XX/XX/XXXX ) and no one replied. In one of the phone calls I was told to contact the Navient Customer Service Advocate team if the situation was not resolved by XX/XX/XXXX ( I would receive an email of the Finalized Settlement Letter ). When the lady from the Advocate Team called back I was given the main number to the private student loan department, which is one of the numbers I had already. In my final attempt I emailed the Advocate Navient team on XX/XX/XXXX. All I am asking is for my Finalized Settlement Letter paid in full AND for the account to be officially closed.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MA)

On XX/XX/2024 I received my Social Security deposit of {$1600.00} to CHIME I was sent an email saying it was in my account. So I logged in and saw it. I went to transfer money to another account and it would not go. So I went back into accounts and saw my money was gone. I called customer service at XXXX and asked where my money went? She asked if I just made a transaction and I replied no! I saw it went to XXXX XXXX. I called back and explained I did not withdraw anything she told me you file a dispute I saw the money was only " pending '' and why they could not stop it? she said that's not how it works and it will take up to 45 days to get a credit. I explained I needed it now she did not care. So I called XXXX and they said they could stop it from being used my debit card and would contact XXXX XXXX XXXX also. I called back 5 times to see what else they could do and they said there was nothing else that could be done.