davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
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: BARCLAYS BANK DELAWARE (OH)

Received notification via an app that I use for credit monitoring on XX/XX/2024 that an inquiry had been made on XX/XX/2024 via Barclay 's for a JetBlue Credit Card. Rec 'd e-mail from Barclay 's on the same date and rec 'd telephone call regarding application status on morning of XX/XX/2024. I did not answer the call, and returned the call back at XXXX. I provided minimal information to the representative I spoke to and informed him that the inquiry and application were fraudulent. Representative insisted that he was unable to verify my identity without me providing my Social Security number verbally, which I was unwilling to do given that the inquiry/application were fraudulent. 

Confirmed hard inquiry on my XXXX credit report. Called XXXX  when I found that there was not an option to dispute the inquiry on their website. Representative informed me that the process for inquiry dispute requires a letter from the company ( Barclay 's ) stating that the app/inquiry was fraudulent. I am unable to obtain this documentation since Barclay 's wound not provide any info without SS being provided. XXXX  stated that I needed to complete a report on FTC.gov and forward to them to have the inquiry removed. FTC.gov re-directed me here.
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Revolut Technologies Inc. (GA)

XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX GA, XXXX Date of Birth XXXX Last XXXX digits of Account number XXXX Subject : Urgent Assistance Required for Missing Wire Transfers Dear, Revolut Technologies Inc, I am writing to express my deep concern and frustration regarding XXXX wire transfers I sent approximately XXXX weeks ago. The receiving bank, XXXX XXXX, informed me that they were unable to accept the wires and returned them to the sending bank. However, I have yet to receive the funds back in my account, and I am growing increasingly distressed by the lack of resolution and clarity from your team. 
Here is a summary of the situation : XXXX. The XXXX wires were initially sent about XXXX weeks ago. 
XXXX. XXXX XXXX, the receiving bank, was unable to accept the transfers and returned them to the sending bank, XXXX. 
XXXX. After not receiving the funds for about XXXX business days, I contacted XXXX customer support to explain the situation and requested a recall of the wires. 
XXXX. I was informed that the recall could only be initiated XXXX business days after the scheduled return date. 
XXXX. After the XXXX business days passed, a claim was submitted by XXXX back office department to recall the wires. 
XXXX. After another XXXX weeks, I was informed that the back office team was unable to recall the wires without a trace number from the returning bank. 
XXXX. I then visited XXXX XXXX and obtained the trace ID numbers for the returned wires. I immediately provided these numbers to your team. 
XXXX. Despite providing this information, I am being told that your bank still has not received the funds from the returning bank. 

It has now been XXXX weeks, and I am still missing a significant amount of money. Throughout this process, your customer support team has been completely unhelpful and appears incapable of resolving the situation. Furthermore, it is extremely frustrating that there is no phone number available for me to speak to someone directly about this issue. The lack of effective communication and resolution is unacceptable, and I feel as though I am being given the runaround. 

I urgently request that you escalate this issue to the appropriate department and provide a clear and immediate solution. I need to know when I can expect the funds to be returned to my account. If this issue is not resolved promptly, I will have no choice but to escalate this matter further. 

Thank you for your prompt attention to this issue. I look forward to a swift resolution. 
Sincerely, XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX GA, XXXX Email : XXXX Phone number- XXXX Date of the wire transfer XX/XX/scrub> 2024, and XX/XX/scrub>, 2024 Amount : {$300.00}, and {$100.00} Reference Number from beneficiary bank for returned wire transfers, REF # XXXX, REF # XXXX
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit acceptance report my card XX/XX/XXXX in the morning I just looked up the repossession laws!! They sent me a notice that my car was going to be auctioned off it did not say where it did not say what time nothing of that sort they didn't even tell me where my car was at I had to ask several times over I have been in contact with these people often!! When I asked the representative where my car was located she hesitated like she didn't want to tell me and then she went off with some other subject I said no wait a minute I want I need to know where my car is at because I have valuable stuff in there that I need and then finally she told me where it was at I don't know who they think they are but they can not go against the Michigan laws!! So much is wrong with this auto loan completely my complete balance on credit acceptance website is completely different than my credit report credit acceptance account says it's open my credit report says it's closed there's so many violations here I'm sickened I am going to send them a pre-settlement letter I am going to consult an attorney I know I am right here and they are completely wrong and they know they are I have tried I am so stressed out I am just going to consult an attorney I already hired Lexington law firm to try to remove the repossession so I can get another Auto but going through all of this I know what the going rates are for what your credit is and it's sure not 22.99 % I can tell you that and the next auto loan I get I'm not going to let them work certain fees into my loan and plus charge me interest that's not going to happen simple and plain but I'm in it to win it I'm telling you I'm not going to stop
Consumer complaint received 2024-09-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (TX)

Paramount Recovery has attempted to collect a medical debt, which I dispute, and has not responded to my written request for verification in over 30 days. 

On XX/XX/year>, I sent Paramount Recovery a written request for validation of this debt, including physical verification and reliable evidence proving the authenticity, accuracy, and validity of the debt they are attempting to collect. Despite this request, I have not received any response or proof of the debt within the 30-day period required by law.

Additionally, by attempting to collect this debt without verifying it, Paramount Recovery has violated my privacy rights under 15 U.S.C. 1681, which mandates accuracy, fairness, and privacy in credit reporting and debt collection pr
actices. Moreover, they are potentially in violation of HIPAA by mishandling sensitive medical information related to this debt without proper authorization.

I am seeking CFPBs assistance in investigating this matter and taking appropriate action to ensure that Paramount Recovery complies with federal laws regarding consumer protection, debt collection practices, and privacy rights.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

Dear Sir/Madam, I am writing to formally dispute a debt that has been wrongly attributed to me by Discover Bank . This debt is the result of identity theft, and I request your assistance in investigating and removing this fraudulent debt from my credit report. 

Details of the Disputed Debt : Creditor : Discover Bank Account Number : ending # XXXX Amount of Debt : {$12000.00} Date of Fraudulent Account Opening : XX/XX/year> I was recently made aware of this debt on my credit report, and after reviewing the information, I can confirm that I did not open this account or authorize any transactions associated with it. This is a clear case of identity theft, and I have taken steps to protect my identity, including filing a FTC report and placing fraud alerts on my credit reports with the major credit bureaus. 

Enclosed are copies of the following documents to support my dispute : A copy of the FTC report related to the identity theft. 
A copy of my government-issued passport to verify my identity. 

I request that the CFPB conduct an investigation into this matter and that Discover Bank be notified to cease all collection activities for this account. Additionally, I ask that this account be removed from my credit report as soon as possible. 

Please confirm receipt of this dispute letter and notify me of the steps taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this fraudulent debt. 

Thank you for your time and cooperation.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (CA)

Dear Sir/Madam, I am writing to formally lodge a complaint against BMO Bank regarding an unexpected charge on my credit card account and the subsequent closure of my account. 

On XX/XX/XXXX, I received a statement from BMO Bank indicating that I owe {$2.00}. Upon contacting the bank, I was informed that this charge was due to my credit card account being closed because it had not been used for over a year. Additionally, I was told that there was a negative balance of rewards before my account was closed, which I now have to repay. 

I am extremely confused and disappointed by this unexpected charge and the lack of clear communication from BMO Bank. At no point was I informed that my account would be closed due to inactivity, nor was I made aware of any negative balance in my rewards account. This situation has caused me undue stress and inconvenience. 

I kindly request your assistance in investigating this matter and ensuring that BMO Bank provides a clear explanation and resolution. I believe that the charges are unjust, and that the banks handling of this situation has been inadequate. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-09
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: CITIBANK, N.A. (FL)

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX XXXX XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPBXXXX ] XXXX  XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On the evening of XX/XX/year> I made a cash deposit into a Wells Fargo ATM machine in the amount of {$1100.00}. The brank location was closed, but I pulled up to the drive thru ATM in XXXX, CA in the intersection of XXXX and XXXX. The atm took my money and returned my card with an error message. I immediately pulled over and called Wells Fargo to file a claim. 

I received the claim number XXXX and was told it would be resolved within 10 business days, or my account will receive a temporary credit if additional investigation is needed. I received a temporary credit on XX/XX/XXXX. However on XX/XX/XXXX, I received notice that the claim was reviewed and there was no error found. I was also told my temporary credit would be reversed. I immediately called Wells Fargo and was told the ATM was audited and no overage was identified. I told them there was a mistake and I would like my claim to be escalated. I received another notice on XX/XX/XXXX " We have completed an additional review of your recent experience with us and determined that no further follow up is needed as there is another case which is in progress. '' There was no second review completed and both claims were closed simultaneously. 

My temporary credit was reversed on XX/XX/XXXX. I decided to go into the branch location and spoke to XXXX XXXX. The personal banker escalated my claim again and I have not heard back.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

My wife is a shopaholic so I was trying to open a bank account with XXXX  XXXX XXXX or USAA so I can transfer the bill money there o keep it safe, but when I call they require a text notification and when I ask for an alternative since I am on XXXX and don't get cell service to come into a branch which i cant do either until I am home.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume 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. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.