davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (FL)

15 U.S. Code 1681s is a section of the Fair Credit Reporting Act ( FCRA ) that covers the enforcement of compliance with the Federal Trade Commission 's ( FTC ) requirements. The FTC can : Issue procedural rules, Require the filing of reports, Require the production of documents, Require the appearance of witnesses, and Commence civil actions against those who violate the subchapter.
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

XX/XX/4 XXXX ( venmo user XXXX XXXX ) sent venmo user XXXX XXXX {$360.00}. She then immediately sent it back to me 1 minute later. Venmo stated that I owe {$360.00}, however no matter what that transaction should have ended with the same amount of money in both accounts. I have attached screenshots of my venmo app and my bank statements.
Consumer complaint received 2024-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

When I went to check my student loan payment due for XX/XX/year> via Navient online portal, it said I didn't have any payment due. This is all within, I'd say, XXXX to early XX/XX/year>. I kept checking back, and it continued to say I had no payment due. I thought this was accurate after checking multiple times, because my husband 's student loans are on pause though the government and he has no payments due through his servicer. So, I assumed this information from Navient was correct. 

At some point in mid-late XXXX XX/XX/year>, Navient said that they would no longer be holding my loans ( told me via the online portal when I signed in ), and that they had moved my loans to XXXX. I tried to create an account and log in with XXXX to make payment, but it wouldn't let me -- it said something like " we don't recognize '' me/my account/my loans/etc.. I don't quite remember exactly what it said, but, basically, it was saying they didn't have my loans. 

At this point, I have zero access to any of my private student loans. Zero access to see them or pay them, or do anything at all, through either Navient or XXXX ( I logged back into Navient and they were still not there ). They just disappeared from the the portal entirely at Navient, and XXXX has zero record of me. 

So, here we are on XX/XX/year>, and, now, magically, my loans are still with Navient and not XXXX. I can now see all information. Now it says I have an " overdue payment '' and fees associated with the late payment, plus an upcoming payment. Keep in mind : I had *zero * access to my loans, and literally no way to make payment because the loans weren't even listed on Navient -- it's as if I never had a loan at all -- there was zero information at all. Now they are trying to push forbearance/deferment on me, all while harassing the co-signer, but they haven't even called me once to the best of my knowledge.

Now I'm in a financial situation where I can't pay until the next paycheck, because who can afford student loan payments and rent on just one paycheck? That means I'll get more late fees,
they will keep harassing my co-signer until it's paid, " late payment '' goes on my credit report, and now I have to somehow manage two payments for Navient *alone* on one paycheck. These aren't my only loans, these are only a small fraction. 

None of this would've happened if the accurate information was listed. None of this would've happened if I had *access* to pay my loans when they were actually due. How are these practices legal? 

No, I didn't take screenshots. I should have. But the XXXX  of figuring everything out, and spending literally hours to *find* where my loans are to make payment -- it doesn't even matter. At what point is any of this THEIR responsibility? These student loan servicers get away with everything, and we always are the ones to pay for it -- financially, emotionally, with our time, in late fees, etc. I don't want to play these games anymore. It's exhausting.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (CA)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation (CA)

I have been trying to cancel my subscription and. Lose out this account since XX/XX/year>. Ever month fees are taken out and all I am getting is errors and cant speak to a live person. 

The process to close out the account I have to enter Albert Cash debit card to confirm your Cash account closure. I dont have an Albert cash debt card as one was never issued. I tried but due to the making address I am using it wont send one. I have been living in motel and have no residence address. So I have been forced to deal with fees of {$XXXX} taken out every month. I cant unlink my bank account with adding another which I dont have snort to provide.
Consumer complaint received 2024-09-21
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. (NV)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Complaint Regarding Fraudulent Accounts with XXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with XXXXXXXX XXXX XXXXXXXX. I have discovered two accounts that I did not open, and I believe my personal information has been compromised. 

**Details of the Fraudulent Accounts : ** 1. **Account Number : ** [ XXXX **Date Opened : ** XX/XX/year> **Balance : ** {$1800.00} 2. Account Number XXXX **Date Opened : XX/XX/year> **Balance : {$2900.00} I first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted XXXXXXXX XXXX XXXXXXXX to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. 

I am requesting that XXXXXXXX XXXX XXXXXXXX take the following actions : 1. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( XXXX, Experian, and XXXX ). 
2. Provide me with written confirmation that the accounts have been closed and removed from my credit history. 

In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. 

I have attached copies of relevant documents, including my identification, the police report, and any correspondence witXXXX XXXX XXXX XXXXXXXX regarding this matter. 

Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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. (OH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, TX XXXX To : Lvnv Funding LLC XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> To Whom it May Concern : This letter is sent in response to a notice delivered to me on XX/XX/year> regarding account LAST 4 # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 
I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-21
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. (NV)

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Against ProCollect for Reinserting Negative Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against XXXX regarding their improper reinsertion of negative information on my credit report with XXXX. 

**Consumer Information : ** - Name : XXXX XXXX XXXX - Social Security Number : XXXX **Creditor Information : ** - Company Name : XXXXXXXX - Address : XXXX TX XXXX of the Complaint : ** I recently obtained a copy of my credit report from XXXX and discovered that XXXX has reinserted negative information that I believed had been previously removed or marked as resolved. 

XXXX. **Date of Negative Information : ** XX/XX/year> the date when the negative information was first reported ] XXXX. **Nature of the Debt : ** XXXX XXXX {$170.00} on XXXX partial account number XXXX XXXX. XXXX XXXX : ** information was disputed and deleted for not complete account number verification. 

Despite my efforts to address this matter, including [ mention any attempts to dispute the information, such as contacting XXXX or XXXX and Experian ], the negative information has reappeared on my credit report. This has caused significant distress and has adversely affected my credit score and ability to secure credit. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that creditors are required to ensure that any information they report is accurate and that they can not reinsert previously deleted or disputed information without proper verification. I believe XXXX has violated these regulations by failing to validate the debt and by re-reporting information that should not have been reinstituted on my credit report. 

**Requested Resolution : ** I kindly request that the CFPB investigate this matter and take appropriate action against XXXX  for their failure to comply with the FCRA XXXX Additionally, I ask that my credit report be corrected to reflect the accurate status of this account. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX My daughter and I entered a local Chase branch to cash and life insurance inheritance check which was drawn on Chase. We were told that they were unable to cash the check due to the amount. The branch assistant manager then directed my daughter to sign the check over to me and for us to deposit it into my chase account. Fast forward my account was flagged for fraud, and they will not release my daughters funds. They have a phone verification process through which they want to use to verify my daughter so we went and got her a phone in her name. The phone comes back unverifiable because the tool is used to match public records or accounts to my daughter and that number. My daughter turned 18 14 days ago, so she has no public records, credit, accounts or anything. We were told that she can't verify in the branch because she isn't a minor. The branch assistant manager called the " back office '' o our behalf stating that she directed my daughter to sign the check over to me and for me to make the deposit and that she id verified my daughter and I and that it was not a case of fraud. They still would not release my daughters funds to us. The branch head manager called as well with no luck. We are still coping with her father 's death and on top of that were fighting for her funds that is unjustly being held. Please help resolve this issue and get my daughter her funds. The funds have cleared, their employees are calling on my behalf and it still isn't enough. I have emailed any and eveyrone in the company that i could and spoke with a lot of customer service reps.
Consumer complaint received 2024-09-11
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: JPMORGAN CHASE & CO. (FL)

Date of Inquiry : XX/XX/year> ( Pending in Account ) Chase Bank XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Bank email : XXXX Claim number : XXXX Debit Card ending : XXXX On XX/XX/year>, I called the Chase Claims Dept. , because I noticed three charges on my account that were not mine : {$480.00}, {$480.00}, {$480.00}. I told them that they appear as " Pending '', so to please not let them post to my account. The Bank representative said that they could not help me with the claim, because the charges were not posted yet. He added that it must first post for me to be able to claim a refund. I, then, waited until XX/XX/year>, when the three charges posted to my account and opened a claim and requested a refund. On the same day, they gave me credit for the three charges. However, on XX/XX/year>, the bank once again charged my account the three charges totaling {$1400.00}, saying they closed the case because they could not find fraudulent transactions. 
I did not make the three aforementioned charges and request for the refund of {$1400.00} back into my account. First, the bank did not text or email me when my account was charged three transactions back to back on the same day at a store in XXXX, Indiana called XXXX, which I have never heard of in my life.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2024, I looked on my credit report and I noticed some inaccuracies. I sent a letter to Experian on XX/XX/2024, to investigate these accounts XXXX sent certified mail. They sent me their investigation and said those accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an any item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX my account was overdrawn. I went and deposited money to make positive. In the meantime they charged me the five overdraft fees making my account go back negative. And them two more items came out making it still negative. I called the bank and they told me they could not help me.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Conduent Incorporated (NV)

I receive unemployment benefits from Nevada. My initial benefit was {$3600.00} followed by {$600.00} weekly after that initial payment. The state goes through Way2Go Card, a debit card service aka Go Program or Conduent Business Services. I set up for direct deposit through Way2Go which allows them to transfer my deposits to my checking account with my own bank. My 2 subsequent payments of XXXX were properly deposited, however, in spite of several attempts to get the {$3600.00} transferred and receiving confirmations from Way2Go that the " transfer was successful '' the {$3600.00} has not been deposited to my checking account, has not even been " attempted '' as confirmed by my bank. I have called 5 different numbers countless times for " customer service '' but only get to the same menu from all 5. There is no option to speak to anyone. No one ever answers! Their website, which is rarely working, offers no options other than calling. I have tried everything I can think of to no avail and can't get to my {$3600.00}! The attempts to transfer and confirmed by Way2Go via email happened on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

In XXXX XXXX  my fathers checking account at US Bank, whom I have durable power of attorney for through US Bank, received five fraudulent transactions the largest of which being XXXX XXXX I contacted US Bank within 24 hours to report the fraud cases. At this time, I have received re-payment for three of the smaller disputes. The larger of which, which occurred on the same day, is still in processing. I have talked with the bank repeatedly. They continually tell me that someone from the fraud department will get back to me. They never do. I even had one of the tellers at the bank try to get the fraud department to get back to them instead of me to no avail. I have called the fraud department time and time again and this dispute is still in process. Its been 8 months now. I have learned that the money was transferred to a checking account with XXXX XXXX. The account it was transferred to is in someone else 's name and under someone else 's phone number. XXXX XXXX  won't talk with me because I'm not on the account that the money was transferred to. I don't know why US Bank had me reach out to XXXX XXXX. Isn't that their job? I don't understand why it has taken 8 months and 20+ phone calls and in person visits to the bank to get a fraudulent money transfer which I reported within 24 hours disputed. I still have yet to receive a resolution.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX and XX/XX/year>, someone fraudulently spent {$2200.00} from my checking account with my debit card across nine transactions. I pursued a resolution with the company, which did not resolve in my favor. I have filed a report with the XXXX Police Department, which is pursuing the case and reviewing surveillance tape. I also filed a complaint with the CFPB, to which Wells Fargo responded by saying that the case was resolved against me because it originally included an addition transaction that was pending but never was posted. I was then told by the Wells Fargo representative to return to Fraud Claims to reopen the case. Frauds Claim, in turn, refused to reopen the claim. So I am being rejected from having my {$2200.00} returned to me on technical grounds and blocked from having it properly assessed and returned to me.