davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (IN)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Last 4 of SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 

My name is XXXX XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill. 
Attached is the required documentation. 

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end. 

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 


Yours truly, XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

i have been making a repeated dispute with transunion cause they have not been reporting correctly. ive viewed both my other credit reports and they are XXXX points different. the most recent thing that happened was one of my credit cards showed the balance decreased and very similarly reported to XXXX. XXXX my score went up XXXX points, transunion reports a XXXX point decrease which is completely unwarranted. 

i reached out to their support and got a rude response, and i was unable to get my credit report through the online XXXX. they report chat open till XXXX XXXX est and after i ended my chat cause of that rudeness they marked chat closed.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against Wells Fargo Bank, and their mismanagement of Customer 's Monies. However, this complaint will focus on one item specifically, which is online access to accounts. It seems as if I have something put in place with Wells Fargo, the identity thieves have enough of my Personal Info., due to a XXXX XXXX XXXXXXXX XXXX XXXX XXXX to pass the Wells Fargo authentication process, and to have it undone. As in the past, the identity thieves had my online access restarted, and my accounts deactivated after I had everything deactivated and disabled. The only way that I can get anything accomplished with Wells Fargo is to file Complaints and put on record. So for the record, to Wells Fargo, DO NOT ALLOW ONLINE ACCESS TO MY ACCOUNTS UNTIL THIS ENTIRE SITUATION IS FULLY RESOLVED!!! PLEASE. So everything must be completed by going into a Wells Fargo branch with my ID, or a lawyer written and validated Power of Attorney.
Consumer complaint received 2024-03-17
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SOFI TECHNOLOGIES, INC. (NJ)

I have repeatedly requested to be removed from the SoFi 's marketing campaign ( via print correspondence in the mail ), including in XX/XX/XXXX, XX/XX/XXXX, and prior instances. As I have moved multiple times, I have also requested this at multiple address locations. In addition, I currently have an account with SoFi as I refinanced my student loans with them, so I am an active customer with their student loan business.

I had requested removal as, in many instances, these mail are marked as " Important - Time Sensitive '' on the outside of the envelope. As a customer with a student loan, I've always assumed that this was related to some immediate attention needed for my student loan. I have been repeatedly dismayed to learn this was simply marketing mail, and am beginning to become distraught due to the mental anguish SoFi is causing me. 

Further to that point, I called SoFi to request removal from their marketing mail. During a brief call, I was informed that no prior requests were fulfilled, that my account could not be found ( by either my name, address, or email ), and that stopping mail at one address did not preclude stopping mail at another. In the best case scenario, this is gross negligence and ignorance across the operations of a large financial institution. In the worst case, this is causing additional financial stress that is not needed, failure to following current privacy laws and FTC guidelines, and an intentional endeavor by SoFi to harm consumers.
Consumer complaint received 2024-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (FL)

Imagine my surprise when I received notice from XXXX that derogatory information was added to my credit report. I called National Recovery and it turned out to be a service that would dispute the derogatory information. Of course, the initial charge to do that was over {$250.00} initial payment and then XXXX XXXX monthly. 

I have never received any correspondence from these two agencies. And seriously doubt that the claims are valid. I have Medicare and Tricare ( XXXX XXXX  XXXX ), and never received an explanation of benefits ( EOB ) explaining the below charges. 

Collection Agency : National Recovery Original Crediton Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original amount owed : {$780.00} Date Assigned : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Unpaid Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX Original amount owed : {$1000.00} Date Assigned : XXXX XX/XX/year> XXXX XXXX XXXX XXXX Status : Unpaid
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PROSPERITY BANCSHARES, INC. (TX)

XX/XX/2024 I am a joint borrower on a mortgage held at a bank. The primary borrower ( my ex-husband ) changed his address of record with the bank. The bank reported to all three credit bureaus the new address for ALL borrowers. This caused my address with all three credit bureaus to change my current address to my ex husbands address. 

I could not dispute the address with XXXX. I had to contact the bank to get it removed. I called the bank and was told they report the primary borrower 's address for all borrowers on the loan. They reported false information for me. 

In discussing this with other people I discovered some have had the same problem but with other lenders or credit card accounts. 

This practice needs to stop. Im guessing this affects millions of credit accounts due to co-signers and divorce.
Consumer complaint received 2024-03-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

I had auto pay set up on my XXXX account with a promotional balance divided evenly over the number of months in the promotional period to ensure it was paid off interest free. Because of an internal XXXX issue on their end, confirmed by their phone rep, the auto pay was interrupted and I incurred a late fee. I called a few months ago and had the late fee waived and a new auto pay set up. I advised the rep I wanted to divide the new balance by the remaining months of the promotional period in order to take advantage of the interest free offer. I was given the incorrect promotional end date by the rep who was able to set up three future payments on the phone. I realized this a few days after the promo end date and called and paid off the promo balance. Because it was a couple of days after the promo end date, I was charged {$65.00} for the interest free period. I asked for the interest charge to be removed and my request was declined by the phone rep. I emailed and asked again for the interest to be removed because this issue was caused by XXXX errors. Both requests were declined despite acknowledgment on the phone that it was their fault.
Consumer complaint received 2024-03-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I pulled my credit report from Transunion. Found a new trade account from XXXX XXXX XXXX for {$510.00}. Contacted XXXX, they said I no longer have an account with them and they can no longer look up any information without an existing account. While looking at my Transunion credit report, I seen that XXXX XXXX XXXX has recently opened a new trade account on my file. If XXXX cant find my contract how can this company say I owe them? Without a contract. Also under the Fair Credit Reporting Act 1006.30 a debtor is supposed to be given proper notice via in-person, letter or by phone. None of this has happened yet, so they are fraudulently reporting to transunion, and transunion has fraudulently lowered my credit score by over XXXX points by which is defaming my character with potential employers, and lenders. 1006.30
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (OR)

XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 To whom this may concern, I am writing to file a formal complaint against I.C. SYSTEM, INC for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : I.C. SYSTEM, INC has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). 
Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : I.C. SYSTEM, INC has engaged in false, misleading, and deceptive practices, violating consumer rights. 
Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I urge protect consumer rights do a thorough investigation and appropriate action to ensure compliance with federal regulations. 

Sincerely, XXXX, XXXX
Consumer complaint received 2024-03-12
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: PENTAGON FEDERAL CREDIT UNION (IL)

XX/XX/XXXX credit inquiry was made for a loan. It was supposed to be a soft hit and it was a hard it. I tried to complete the application but penn fed app, and website gave the same error message. Ive called and called, email regarding this issue. A ticket was allegedly put in for my issue. Today XX/XX/XXXX and i was told the application was cancelled because it was incomplete and that i have to reapply for another loan and take another hit and the issue with the system still exist and unable to login messages, check application status and i can not do anything on pennfed
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (TX)

I was solicited for new credit card from Discover with an attractive balance transfer. I had an installment loan used for a medical procedure that was about to jump from 0 % to 29 %. I called the installment loan company and asked for a 10-day payoff amount. I provided the demand letter and payoff amount, along with my account information, to Discover in XXXX. The account was auto drafted from my checking account when I set it up in XX/XX/2023. 
Discover does not provide access to the Balance Transfer department, but close to 5 weeks passed from the date of the request until I got an update. The update I was provided was that the account was closed and paid in full.

Discover reported to the credit bureaus the day after the request that I had a balance of the amount I requested, resulting in it looking like I had a new {$5600.00} account when I did not. That balance was shown as a duplication for so long that my XXXX credit score went from XXXX to XXXX. Meanwhile, the installment loan finance company maintains that I did NOT close the account and is now reporting it as delinquent for {$4.00}. I have attempted to follow up with Discover more than 10 times with no resolution.

Discover mishandled the balance transfer by NOT completing the transfer properly as they reported the account closed.

Discover reported the new balance 5-6 weeks BEFORE I actually " used '' the funds to transfer the balance, resulting in my unpaid debt to be reported as {$1100.00} when I actually owed {$5500.00} resulting in a XXXX point decrease to my XXXX score ( XXXX to XXXX ) Discover reported to me and the credit bureaus that the account was closed, but XXXX states that there is a {$4.00} unpaid balance, which is now {$120.00}, and reported DELINQUENT on one of the bueraus ( XXXX ).
Consumer complaint received 2024-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC. (WA)

This complaint concerns a XXXX XXXX Account with Optum Bank. 

On XX/XX/2024 I requested that Optum Bank pay a provider for medical expenses. A couple of days later, the payment appeared in my online account transaction record as having been paid and deducted from the account, indicating that the payment had been received by the provider and cleared ( otherwise why would it show as a completed debit? ), and therefore my obligation to the provider was satisfied. 

I recently learned from the provider that they had not received payment. I contacted Optum Bank, and was assured that payment had been made. After repeated conversations with both the provider and Optum Bank with no resolution, I asked Optum Bank to provide evidence that the payment was made as indicated by the debit to the XXXX account. Optum Bank said they were unable to provide such proof. As a consequence, I am unable to defend myself against accusations that I have not provided timely payment of the bill. 

I am concerned that this deceptive practice of Optum Bank falsely leading me to believe that payment has been made when in fact payment has not been made, and refusing to provide any evidence that it has been made, will occur again. 

An obvious consequence of this practice is the damage it can cause to a bank customer 's credit history, which can affect not just me but all Optum Bank customers, and warrants investigation and regulatory action by the CFPB.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grain Technology, Inc. (GA)

As a federally protected consumer I'm seeking proof of the alleged debt, under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$25000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings (GA)

On XXXX XXXX first request On XX/XX/year> second request for validation and verification of this alleged debt bearing my original signature and my agreement to pay Zion Debt Holding they have not provided me with any proof of this alleged debt and have not removed it from my file as per USC 1681 ( n ) title 12ss 5531 After I asked them to only contact me by mail they continue to text me. They are in violation and I need help resolving this matter.
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MD)

I received a claim code for money that had been held up in the XXXX XXXX case. I contacted Venmo and followed the claim procedure. Their customer service department never responded in a timely manner ( they always said 1-2 days ) and now it has been 2 weeks with no response the last few days. I am completely frustrated.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MI)

15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX 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 2024-03-13
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: AMERICAN EXPRESS COMPANY (NC)

I purchased an item online. When the product did not arrive I tried to reach out to the company. The company is not legit. here is their website and phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I opened a dispute with American Express and they came back that the charge is valid. I do not know what research they did but they did not provide me with any info or communication about the dispute and there is nothing in my online account. I suspect AE was not able to recoup funds from this bogus company so they determined the changes are valid. 

I was required to reopen the dispute with AE but they would not let me open the dispute for same reason. I also suspect this is a oversees operation where bogus website are opened to sell merchandise at a steep discount then never deliver. 

American Express need to honor this dispute as valid and credit my account for the {$120.00}. I also request CFPB look into AE fraud dispute practices and see what info they were provided and how it is communicated to customers. They lack proper controls and oversite to effectively manage this process.