davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I believe I am a XXXX XXXX XXXX XXXX XXXX. My XXXXXXXX XXXX routing number is XXXX and my XXXXXXXX XXXXk checking account number is XXXX. On Tuesday XX/XX/year>, I met XXXX XXXX, a woman who lived in XXXX XXXX, on a XXXX XXXX called XXXX. We eventually moved onto XXXX and set up a meeting on XX/XX/year> at XXXX XXXX XXXX XXXX XXXX to have a meeting. At first she asked for {$100.00} through Zelle. She told me to send the money to the Zelle account that belonged to her Boss, which I believe is XXXX XXXX. XXXX told me to send the money to add her as a Zelle recipient and use XXXX XXXX email, XXXX. XXXX email is XXXX. On the day of the meeting, XXXX and her boss demanded a {$200.00} payment for a safety fee. Eventually, they increased the cost to {$500.00}. I sent a total of {$600.00} in 5 Zelle transactions : {$50.00}, {$50.00}, {$200.00}, {$200.00}, and {$100.00}. They asked for {$200.00}, and I had enough. I went home. XXXX and her boss then said if I pay the {$200.00}, I would receive my {$700.00} back. The next day, XX/XX/year>, I tried to send the {$200.00} to the Zelle account of her roommate, XXXX XXXX. Her email is XXXX. I dont know if she is involved as well, but it is a possibility. XXXX XXXX automatically refunded the {$200.00} to my checking account and restricted my access to their mobile banking app for XXXX hours. I decided to call XXXXXXXX XXXX  and they connected me to their Fraud Liason Center so I could report the 5 Zelle transactions as fraudulent. XXXXXXXX XXXX discovered that the {$600.00} was sent to XXXXXXXX XXXX and sent a notice to them that the transactions were fraudulent in hopes of getting the money sent back to my checking account. I am contacting Consumer Financial Protection Bureau to hopefully assist me in this endeavor.
Consumer complaint received 2024-11-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (SC)

two issues : First, I called New Rez to request XXXX from XXXX. Two phone calls and I was promised they would email me the docs right away. Then, when neither call yielded results, I called back a third time and asked to have the docs mailed to my home address. I have heard nothing. XXXX XXXX ( XXXX XXXX ) was my previous mortgage servicer but I don't know how to get these reports from them. 
Second : I got charged a late penalty and I requested help in getting the charge erased due to problems my checking account bank had had with a security breach. I had called called New Rez to change my method of payment online over to another bank account at another institution. I was under the impression that if I called and talked to someone in customer service, that was all I needed to do. However, I was not told that I also needed to have gone into my online account with New Rez and make the change separately and additionally. I never knew this. This caused my processing that month 's payment to be late and I was charged a penalty. This happened several months ago and I have still not gotten the penalty excused. 
I am very unhappy that my mortgage got moved to this mortgage servicer where customer service is not existent.
Consumer complaint received 2024-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques (CA)

Hunt and Henriques have consistently violated numerous rules and regulations. The account and balance from XXXX XXXX Services do not belong to me. This account was removed following identity theft and fraud data breaches. XXXX XXXX XXXX sent letters confirming the removal and updated my credit files accordingly. 

However, Hunt and Henriques continue to harass me with phone calls and letters, and they even filed a lawsuit against me. I responded to the lawsuit, and their attempt to obtain a default judgment was denied. I believe these actions constitute major violations of the Fair Debt Collection Practices Act ( FDCPA ). 

This account and its balance do not belong to me, and they have still not resolved this matter.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Early Warning Services, LLC (VA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX XXXX XXXX. Please delete ALL the following accounts and ALL Inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

Consumer name : XXXX XXXX. Social security # XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you early warning system reporting agency, block and remove 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. This fraudulent, inaccurate, and false information consists of an account that opened up by XXXX XXXX. accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

I have been banking with chime for about 4 years and they have a new feature this year called the my pay advance. So this is suppose let you advance your deposit early before you get paid up to XXXX or XXXX XXXX. So I was approved for XXXX. I never received the funds early. It was when my direct deposit came through then it took XXXX out of my deposit and put it in an advance account where I can withdraw it out for a XXXX XXXX fee. I didnt complain about it because I thought it would be helping my credit in some way. And I was able to withdraw it right back out. After several months of this it increased to XXXX. Same thing. But just last month my deposit came through, it took the XXXX as usual but was never available to withdraw back out. I was out of XXXX that was my money to begin with. It was never a real advancement. I called chime and explained this and they told me no this is there money I said no its mine. I was never given an advance. So I told them if I did not get my money back I would get a lawyer. After getting the XXXX not only was it taken but it decreased the advance amount to XXXX saying my deposit was lesser and didnt qualify for the whole XXXX. I was told I had to wait until my next deposit for the system to correct after I said lawyer. So I waited and yes, the XXXX was taken out but then it was available to withdraw the XXXX. So I did. I called chime and said I want to close this feature because it serves no real advancement service and they said I cant close it with owning an outstanding balance of XXXX XXXX. I said huh this is my money to begin with. So they told me that once paid they can close the feature and XXXX get my money back. I said ok. Next withdraw was XXXX they took from deposit and said it was a fee added for the XXXX and nothing available to withdraw I called and said wheres my money and they said its our money and since its paid back you can now close your feature. I said I want my money and close my account. He told me I can close my account with out and return of funds. That is what they did yesterday. They closed my account and I was not refunded anything back. Chime has never given me a advancement, it was always when I had already gotten paid that they took it from my check and called it an advancement. I am unable to pay my bills and want my money back.
Consumer complaint received 2024-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (AR)

Revco Solutions , Inc. contacted me by mail on XX/XX/year>, regarding medical debt originating from a XXXX XXXX XXXX XXXX XXXX. I immediately responded notifying them that it was not my debt. I received a written response that included statements on XX/XX/scrub>XXXX XXXX XXXX 

I sent a response letter on XX/XX/scrub>XXXX XXXX XXXX renewing my objection to the debt and requesting more information including documentation and verification of the debt and the basis for the claim that I owe it as well as copies of all billing statements, itemization of any payments made, additional interest, fees or charges added to the account. 

Revco responded by sending the same documentation I received on XXXX XXXX XXXX only this time it was partially redacted. 

This is not my debt. I have never received any treatment from any XXXX XXXX XXXX XXXX XXXX in Arkansas or any other state. I have never agreed to provide payment on behalf of another person who received treatment from any XXXX XXXX XXXX XXXX XXXX in Arkansas or any other state. I notified Revco of this in writing. Revco has provided no documentation or verification that it was me who received the treatment or agreed to pay for it.

I will send Revco another letter renewing my objection to the debt and providing them notice of this complaint after the complaint is submitted.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (CA)

CKS PRIME hasn't provided any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that CKS PRIME has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that CKS PRIME currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, under 15 USC 1692 C, the law clearly states Consumer notifies a debt collector, the consumer refuses to pay a debt, the debt collector must cease all communication and remove item from my credit report, per **Fair Credit Reporting Act ( FCRA ) ** - Located in 15 U.S.C. 1681-1681x, this act regulates the collection, dissemination, and use of consumer information, including credit information, and gives consumers the right to dispute inaccurate information in their credit reports.

These laws collectively aim to promote fair lending practices and protect consumers from unjust denial of credit.
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (NH)

After several attempts to get information about fraud on my TD Bank card it was sent to collections of a agency called XXXX XXXX. When an attempt to get this removed from my records due to fraud on the card previously wasn't getting anywhere. Credit limit on the card is only {$8400.00} and their saying owed is {$11000.00}. Now lately been being a bit harassed multiple times a day each week on a debt I feel is inaccurate and should be taken off my account records.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

I called the company in XXXX in order to enter into a payment plan to avoid a charge off. I was provided incorrect information and the account was charged off. After many attempts the company refused to resolve the issue and reported it incorrectly. The debt was then sold to third parties who referred me to Goldman Sachs for the Info and Goldman Sachs stated that i need to reach out to the third parties. I have spent years attempting to get this resolved. I have paid in full. The company refuses to acknowledge their mistake. Goldman also erroneously responded to a previous CFPB complaint regarding the same issue stating their information was correct. The XX/XX/XXXX letter confirms the allegation in question was correct and Goldman Sachs once again provided incorrect information to myself and the CFPB. 

On XX/XX/XXXX I received a letter stating that they acknowledge that I was not provided accurate information and offered me {$35.00}. I filed a claim for more and was again given the run around. At first my claim was ignored, then I was told I was approved for additional compensation, then I was told that was incorrect. I followed up repeatedly to understand why my claim was denied and I have been ignored.
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I recently submitted a report to CFPB complaint # XXXX XXXX submitted XX/XX/year> XXXX collection - the matter was closed in my favor. 

I am currently requesting that CFPB request the same company to remove the charge off from my credit report and stop calling/texting me. 

Thank you XXXX XXXX
Consumer complaint received 2024-11-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bridgecrest Customer Service Department XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Re : Revocation of Cease and Desist Order Dear Sir/Madam, I am writing to formally withdraw the cease and desist order previously issued under my name, regarding my alleged account associated with Bridgecrest account number : XXXX or any related matters. 
This decision comes after careful consideration and a satisfactory review of the circumstances surrounding the issues initially cited in my original letter. Today speaking to a representative she revealed a lot of incorrect information regarding to my personal information, for example the email was incorrect, the phone number was wrong, and address on this account. I never receiving a copy of the contract, a deficiency notice or a redemption notice. I do not know if this vehicle was repossessed or totaled. They advised that I could not request any documents unless I write a cease and desist removal letter. I appreciate your cooperation and attentiveness in addressing my concerns.

Please consider this letter as an official revocation of any restrictions or communication barriers previously requested under the cease and desist order. I authorize you to resume normal processing and communications regarding my alleged account. This is being placed so I can retrieve these documents so I can take the proper actions on gettinng this resolved. I also need the name of the seller for this auto loan.

Thank you for your attention to this matter. Should you need any further information to confirm this revocation or to discuss the account, please feel free to contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (TX)

My husband and I have a verified Gemini accounts. I was trying to withdraw our XXXX  to a hardware wallet. Gemini then placed a security freeze on the account ( Security hold, Ticket ID : XXXX ). Gemini then requested that I send in the following information which I did : 1. A view of your full face 2. Your ID that was used to register with Gemini. 
XXXX. A handwritten note that states the current date and says [ XXXX ] underneath Apparently that was not enough. Then I had to send in this information : How did you find out about Gemini? My husband. 
Has anyone instructed you to open this Gemini account or requested payment through Gemini? No Have you shared your account credentials with anyone? No Why did you open a Gemini account? To help my husband mange finances and invest. 
How did you discover the wallet address? I created it on a hardware wallet. 
Please confirm the actual wallet address to which you'll be withdrawing : XXXX ( XXXX XXXX ) Please confirm the platform, program, site, app, group, or entity that hosts the wallet / issues the wallet address : Its a hardware wallet. I own the hardware. 

Documentation of wallet ownership ( e.g. a screenshot of the wallet dashboard linking the wallet address to your name and/or email address, uploaded via the Gemini XXXX ). This is impossible. The hardware wallet XXXX does not have this. I generated the wallet from the hardware wallet. There is nothing that shows my email or name on the hardware wallet. I will upload a picture of the hardware wallet with the address showing on the hardware wallet. 
( I sent in a picture of my hardware wallet and the transferring wallet address I generated to trasnfer to ). 

Still I have no response. Apparently this is now a big issue now with Gemini holding users XXXX XXXX that I didnt know about until I had the problem XXXX XXXX XXXX XXXX XXXX NOT YOUR KEYS, NOT YOUR XXXX ''
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

Dear CFPB, I am writing to file a formal complaint against Equifax for failing to properly investigate and verify disputed accounts on my credit report. Specifically, I have disputed the following accounts with Equifax, which they claim belong to me without providing any legally required proof : Equifax is reporting a closed account every month with a balance that is not my account. 

XXXX XXXX XXXX  Despite my efforts to dispute these accounts under the Fair Credit Reporting Act ( FCRA ), XXXX has come back stating that these accounts are mine but has failed to provide sufficient documentation or evidence to verify the debts. Under FCRA 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation and must delete or correct any unverifiable or inaccurate information. XXXX has not complied with these requirements by failing to produce : 1.Proof of debt ownership, including original contracts or signed agreements confirming my liability.

2.Clear and complete documentation of the verification process, including any communication with the original creditors and the evidence used to substantiate the debt.

Additionally, under 15 U.S.C. 1681s-2, data furnishers are also responsible for providing accurate information to credit reporting agencies. Since neither Equifax nor the original creditors ( XXXX XXXX XXXX ) have provided proof of my liability, these accounts should be removed from my credit report immediately. 

I am requesting that the CFPB investigate this matter thoroughly and ensure that Equifax is held accountable for their failure to follow proper verification procedures as mandated by the FCRA. I also request that the CFPB require Equifax to provide me with full documentation of any verification or, if they are unable to do so, to remove these accounts from my credit report.