davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: STATE BANKSHARES, INC. (MN)

I sent a letter on XX/XX/2024, asking for my address to be update so i can remove other address from my credit report that is no longer associated with myself. I emailed XXXX XXXX and he responded that everything was ok and he updated my address. This morning on XX/XX/2024, i get an alert from my credit report saying i added a new address and it was not correct it was bell banks address. I emailed XXXX XXXX again and he said he updated it again. I also called in to express my issue and they said that they updated and it would take about 30 days which is unacceptable. I have a fraud alert on my credit report and this is causing me so much stress. There is a lot of fraud going on and this ran me through the roof. I also asked them for their mistake to waive the 30 day late reporting off of my credit report and still no response. This was an easy fix and now i am stressed out because i have to contact my credit bureaus to fix the problem and wait 30 days for their mistake i want something resolved about this before i take further action. This is not ok due there is a lot of fraud going on so XXXX XXXX can just update my information he needs to be removed from the company because its causing me a lot of stress trying to fix his mistake.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (IL)

I rented a house. I paid my rent via Zelle every month. When I moved out, my landlord returned my deposit via Zelle. But I did not receive it. So I called my bank, XXXX XXXX XXXXXXXX. They said an investigation was needed but that only the sender could initiate. The sender ( my landlord ) called XXXX XXXX who confirmed that the payment looked like it was completed on their end so no investigation was necessary. So I called XXXX XXXX XXXXXXXX again, who connected me with Zelle. Zelle said there's nothing they can do and that I'd have to work with the banks. So I called XXXX XXXX again. They said there's nothing they can do without having the sender ( my landlord ) on the line. So I initiated a three-way call between XXXX XXXX , my landlord, and me. Eventually, we got to the bottom of what happened, but from start to finish, this whole process took four hours of my time. I feel incredibly fortunate that I was able to get my landlord on the phone and that he took the time to help, because from his perspective, his bank told him the payment went through successfully, and he could have just told me this was not his problem to deal with. In that case, with XXXX XXXX XXXX XXXX XXXX  and Zelle all being unwilling to help me, I would have simply been out {$1500.00}, which is not a small amount of money to me. I would like the CFPB to take action and force Zelle to offer a way to resolve issues like this on the recipient 's end without the active participation of the sender.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (NC)

My information was sold and bought illegally because I was a victim of the + XXXXdata breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach. 
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (NJ)

I entered into a debt consolidation program in XXXX and was legally represented by XXXX XXXX of XXXX and associates in XXXX, NJ, who settled my credit card debts on my behalf. I currently am paying {$420.00} per month for the last 2 years, and for the next 2 years, to settle and repay this debt and my attorney fees. Today, XX/XX/XXXX, I woke up on a work trip across the country to my XXXX and XXXX XXXX XXXXXXXX accounts being improperly frozen and funds taken. The funds taken were as follows : XXXX  Checking : {$84.00} XXXX Savings 1 : {$250.00} XXXX Savings 2 : {$10.00} XXXX  XXXX XXXX : {$90.00} Discover is the one allegedly suing me, I reached out to my legal representation and theirs, but have not heard back from their legal team despite many efforts for the last 15 hours. 

These funds were illegally taken from me, and I was never served or notified about this lawsuit in any capacity. The address they allegedly served the papers to, XXXX XXXX XXXX XXXX, has not been my residence in over a year, despite my billing address being so, no one sends mail anymore and it honestly was something I just never changed over since I dont get any mail as I have paperless. I called and spoke with the current residence at XXXX XXXX, and no one ever received papers, either served in person or by mail, nor had a visit ever occurred to this residence in regard to the previously mentioned. Not a single soul was ever notified about this at my legal representation either. 

The papers were allegedly served in XXXX of XXXX, please look into this as I currently have {$0.00} to my name and will have to default on my rent, other bills and student loans, as well as not be able to return home from my work trip as I have no acting form of funds or payment to return back to my home state. 

You can email me at XXXX or call me at XXXX, thank you for your time and I look forward to hearing from you soon!
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have not received my 3 new replacement cards from last XX/XX/ still waiting to talk to them from XXXX XXXX XXXX XXXX XXXX gave me the run around about replacing the cards two have {$0.00} and the other have {$900.00} on it are about it. Had more paper to lound up but it was two big and two round-up.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (MN)

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX ( XXXX USD ) from my Crypto.com account to fraudulent investment firm ( s ) When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( XXXX ) whether Crypto.com has XXXX its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXXXXXX XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently reviewed a copy of my credit report and I was shocked to learned that I had numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-07-21
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: JPMORGAN CHASE & CO. (MA)

I feel like I'm being followed by either visa or XXXX. XXXX XX/XX/2013 via the XXXX ( XXXX XXXX transit authority ) when I had been under the impression I qualified for a 30 day XXXX travel employee benefit ( in the form of a XXXX ) I worked at XXXX at the time. I hadn't at the time had a credit card. Since Ive had some major health issues, I've only now been able too get in touch with a company called XXXX ( via airline travel. ) As an attempt too reconnect with my employer. On account of Wondering how I had come too know XXXX initially. I'd come across an opportunity too open an account with chase again, and a chase XXXX themed credit card, I could swear looked specifically for me. I've found myself at rock bottom w/no credit history, collecting debit cards as long as I know their activated in the back of my mind. Currently XXXX requires payment from me.
Consumer complaint received 2023-11-08
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: Experian Information Solutions Inc. (VA)

On or about XXXX of the year 2019, I opened an XXXX XXXX credit card account. This was a valid account linked to my bank account and all the charges up until XX/XX/2019 were mine and authorized. 

However, in XXXX of 2019, various of my accounts were stolen/hacked including my original XXXX XXXX card , my bank account, and a new XXXX XXXX XXXX account was opened up in my name using the previous original and valid XXXX XXXX account for my credit card. I filed an official Criminal Complaint with the Court in the Commonwealth of Virginia about this fraud and theft. 

I sent XXXX XXXX a copy of this Criminal Complaint and a " Fraud Affidavit '' in regards to the illegal activity. 

XXXX XXXX responded by denying my fraud claim based on the allegation that I allegedly didn't notify my bank of the fraud and that it was linked to my bank account. Of course it was linked to my account as the original and once valid XXXX XXXX account was stolen/hacked. Which I find irrelevant and false as I did notify my bank of the fraud. And my bank is irrelevant because I reported the fraud to XXXX XXXX with a valid " Criminal Complaint '' issued by a Virginia Magistrate and Court.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

This letter concerns the response received from Citibank dated XX/XX/XXXX regarding the security/bond with the attached coupon/statement, properly endorsed, stamped and signed, held by XXXX XXXX/PRINCIPAL. The instrument bears a restrictive endorsement, rendering it non-negotiable and payable solely to the benefit of the principal. I am writing to formally dispute the recent decrease in my credit limit and subsequent closure of my credit card account, effective immediately. This action not only violates established consumer protection laws but also contradicts your own disclosures, causing significant harm to my credit score and financial well being. Violations of Credit Card Act and Citibank Prospectus : 1. 45 Day Notice : Your action directly contravenes the Credit Card Act and your own prospectus, which explicitly require a 45 day written notice prior to any adverse action, including credit limit reductions and account closures. I didn't receive such notice, violating my rights and rendering your action invalid. 2. Cancelation Right : As per the Credit Card Act, I have the right to cancel my account in its entirety before the changes take effect if I disagree with them. You denied me this right by abruptly closing the account without prior notice. Violation of Securities Laws : 1. Asset Backed Security : My credit card account constitutes an asset backed security as defined by 260.1 1b-6 and Section 311 ( b ) ( 6 ) of the Securities Exchange Act of 1934. As an investor in this security, I hold obligations issued by the issuing entity, entitling me to specific rights and protections. 2. Dodd Frank Wall Street Reform and Consumer Protection Act : Section 941 ( b ) of the act further grants me, as the credit card applicant and originator, specific consumer protection rights in relation to this account. The closure of my account without due process and transparency directly violates these rights. Also, according to the Equal Credit Opportunity Act, adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. Citibank is also in violation of 15 USC 1642, 15 USC 1681, and 12 CFR 1002 because I, the consumer, made an application in good faith and I have received no benefit. It appears my asset ( credit application/contract ) is being traded on the secondary market utilizing cusip number XXXX. Where is the benefit to me as a silent investor?
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

My information was sold and bought illegally because I was a victim of the + XXXX-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach. 
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

Im writing to you today to file a report on Newrez, a mortgage company, for violating their contract to refund escrow money and holding my money illegally despite many attempts for them to send it to me. Below Ive listed out the timeline of events and Newrez has not sent my Escrow Money, although they have confirmed four times they are going to send it to me. 

Timeline : XX/XX/XXXX : I faxed a request to XXXX XXXX XXXX  ( now called Newrez ) to close my Escrow Account. 
XX/XX/XXXX : I received a written letter that my request to close my Escrow Account had been approved. The notice stated that as of XXXX XXXX XXXX  I would no longer have an escrow account with the XXXX XXXX XXXXNewrez LLC XX/XX/XXXX : My home loan was officially moved to Newrez LLC XXXX XXXX XXXX : I received an email notification that my request to close my Escrow Account had been approved. 
XX/XX/XXXX : I called Newrez customer service to ensure that the Escrow request had been transferred when the loan was transferred. The agent assured me it had and that I could expect to receive my Escrow Refund by XX/XX/XXXX ( 60 days after the escrow account closing ). 
XX/XX/XXXX : I called Newrez again to see the status of the account. The agent said the company had not started this request, although they had record of the request. The agent said he would put the request to refund my escrow immediately. 
XX/XX/XXXX : I called Newrez again to see the status of the account, as I still had not received my refund. After explaining the situation to the customer service agent, they agreed to overnight my refund check to receive it by XXXX XXXX XXXX XXXX XXXX XXXX XXXX am contacting you to report that Newrez LLC is withholding my escrow money from me illegally after stating they would refund my account in full by XX/XX/XXXX. 

Im reaching out to you for help in this matter and to ensure you know that Newrez is illegally withholding my escrow money.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (GA)

I am not Liable for this debt of {$890.00} with TRANSWORLD SYSTEMS INC account number XXXX I do not have a contract with TRANSWORLD SYSTEMS INC. They did not provide me with the original contract as I requested with my wet signature and ID verification. 
15 U.S.C 1681
Consumer complaint received 2023-07-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (MA)

IC Systems has been calling me repeatedly from spoofed numbers during the past month. When I call back, all the numbers bounce to IC Systems. The first call was on XX/XX/2XXXX XXXX XXXX XXXX. The second call on XX/XX/XXXX XXXX XXXX XXXX, and the third call on XX/XX/XXXX, at XXXX PM. How can one trust a company that needs to spoof numbers to communicate with people? Please stop your harassment. I do not have debts. I will investigate IC Systems further to discover if this company provides services to any of my former creditors, the companys practices, and history of lawsuits for the same reason as this case. I have included all my creditors in my XXXX XXXX bankruptcy petition and none is IC System. This is a cease a desist. Stop communicating with me. I have never had any relation with IC System. STOP!!
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (FL)

During the XXXX pandemic I missed XXXX payments on different accounts because I was not working due not be able to work in my industry. I disputed all three and the have yet to take them off my credit report. Also had covid 3 times and missed work.