davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CENTRAL BANCOMPANY, INC (MO)

In XX/XX/XXXX i was online looking to book a trip, i ended up purchasing one that totaled around {$600.00} from a site and i get a msg asking if this is a fraudulent charge and i say no. Then i get a call from " fraud department '' saying my account/phone has been hacked and i download an app and give them access to clear it up. I never questioned this call until way later and assume that my accts were breached that way. I later had to dispute the vacation charge when i never received any actual tickets or confirmation. Beginnings in XX/XX/XXXX, my accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ) were somehow hacked and fraudulent charges were made. I didnt notice the transactions immediately but contacted companies as soon as it was discovered. Those cards were canceled out, and new ones were issued. My Jefferson Bank checking account continues to be accessed fraudulently regardless of new cards being issued. Back in XXXX i called Jefferson bank bc there was over {$4000.00} taken out of my account for unauthorized XXXX transactions. They canceled card again and filed a dispute. XXXX XXXX  closed my account after filing a dispute directly with them stating i violated XXXX XXXX XXXX but never told me which ones. I was not issued another debit card at this point by jefferson bank, the only reason i kept the account open was for my disputes that i expected to be credited back to me. i wasnt really happy about this happening over and over. They gave me a provisional credit in XXXX for charges disputed in XXXX. Like i said, i do not have a debit card for this account, the only way funds should be able to be accessed is by me going to the bank myself and withdrawing them. Today, XX/XX/XXXX, i go to bank to withdraw money from acct which should have over {$800.00} in it, but cant because my balance is {$21.00}. I have no idea how any of my funds were accessed by anyone, and im livid at this point. I file another dispute and receive a call back from a lady at jefferson bank saying that theyre debiting my acct for the provisional credit issued for over $ XXXX XXXX cash app says its not fraudulent and jefferson bank wouldnt be disputing the over {$800.00} that i came in to dispute today that some website " paysafe '' keeps charging my account despite me not having a debit card. XXXX is disputing this by default, i did not authorize nor was i aware of any of the disputed charges. That is almost $ XXXX thats being taken from me, and i did not authorize any of those charges., i dont know how hacking works or how ppl access personal info, but i have literally bought XXXX phones during this time, the last one i got with a different provider and brand new phone number. I didnt ask for this to happen to me, and i shouldnt be responsible for things outside of my control. It shouldnt be too much to ask to expect my money to still be in the bank whenever i need it, my money shouldnt be in someone elses hand when i didnt give it to them, my bank did.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MI)

I am writing the current debt collector, MIDLAND CREDIT MANAGEMENT, for conducting a soft pull of my credit report without my knowledge, consent, or permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I noticed that MIDLAND CREDIT MANAGEMENT had accessed my credit report. I did not authorize this inquiry, nor do I have any existing relationship with this company that would warrant such an action. As per the FCRA, Section 604, creditors and debt collectors must have a legitimate and permissible purpose to access a consumers credit report, such as my written consent or a legally justified need. I am requesting : A detailed explanation of the reason for the credit inquiry. 
Proof of any permissible purpose, as defined under the FCRA, for accessing my credit report. 
Documentation of any authorization or consent I may have provided, allowing MIDLAND CREDIT MANAGEMENT to access my credit report. 
If MIDLAND CREDIT MANAGEMENT can not provide such documentation, I request that all unauthorized inquiries be removed from my credit report immediately, as they negatively affect my credit score and my financial standing. 

I also kindly request that the CFPB investigate this matter to ensure that my rights as a consumer are upheld. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I noticed that several charges on my TD Bank checking account were not made by myself. These transactions ranged from {$18.00} to {$110.00}. These transactions were also made in different states from the one where I reside. Upon disputing those charges XXXX days after they were made, TD Bank temporarily credited my account the amount used, but XXXX days later, notified me that " an error did not occur '', as " Similar transactions were authorized by you, and the spending pattern is consistent with previous account history ''. While that may be true, this is egregious that TD Bank would use this excuse to justify their failure to properly investigate why an unauthorized transaction in XXXX occurred on the same day an unauthorized transaction occurred in XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (TX)

NCB Management has placed an unlawful and improper collection on my credit report, in violation of several provisions of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, they have failed to provide direct verification or proof that the account in question is mine. Specifically, I have asked them to produce a copy of my ID, the promissory note, and my signature that would confirm I received the loan, but they have not complied. I have filed several disputes, all of which were verified through XXXX without any proper investigation. I am now demanding that the account be removed from my credit report and that all collection activities cease immediately. Account VIOLATES FCRA LAWS and TEXAS FINANCE CODE. Account is past TEXAS SOL
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

ubject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear XXXX XXXX I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my XXXX XXXX XXXX is XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : XXXX XXXX ] XXXX XXXX : 1. XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5.AXXXX XXXX 6.XXXX XXXX XXXX 7.XXXX  XXXX VIA XXXX 8.XXXX  9.XXXX  BANK 10.XXXX  CA 11.XXXX  12.XXXX 13.XXXX XXXX 14.XXXX  15.XXXX 16.XXXX  XXXX These inquiries were made without my permission and are affecting my XXXX XXXX and overall financial profile. I request that you take the following actions immediately :
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. TD BANK USA/TARGETCRED XXXX
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/year> I sent a payment to one XXXX XXXX via PayPal in the amount of {$150.00} for payment for her to reserve a rental car via XXXX XXXX as she claimed she was a supervisor employed with the company and could get people XXXX percent off their rentals and hotel stays. Initially XXXX requested I pay the XXXX percent of what the total cost of the rental car for the week via XXXX XXXX. However upon attempting to pay via XXXX XXXX, immediately a notification popped up stating that the XXXX XXXX tag had been reported previously for possible scam/fraud. I then screenshotted the notification and sent it to her. She alleged that shes been had that XXXX XXXX acct and was just using it for the first time. I did not feel comfortable with the notification so I declined and requested her PayPal. She provided with her PayPal address and I sent {$150.00} via goods and service. She replied stating stating that she was unable to obtain the funds and that it required a shipping label In which booking a reservation for a rental car did not require a shipping label. She then refunded the money and I had to resend it friends and family. She sent a screenshot of the reservation via XXXX. I contacted XXXX to verify and there indeed was a reservation. The vehicle was supposed to be picked up on XX/XX/year> @ XXXX  at XXXX in XXXX. The morning of XX/XX/year> arrived and I was actually trying to confirm the reservation and see if I could change the pickup location which I could not being as though the card used to book was not mine. I contacted XXXX to be told the reservation was indeed canceled!!!!!!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (WI)

Not really an error. It is intentional by the credit card companies. I just noticed that my elan financial credit card accounts XXXX and XXXX is being shared with us bank. So my XXXX credit card accounts have been turned into XXXX separate accounts. Elan financial is reporting XXXX and XXXX as being their accounts to XXXX  and us bank is reporting them as being their accounts to XXXX. My XXXX accounts can't belong to XXXX different banks. Why are you both sharing my XXXX accounts as if they belong to both elan and us bank? as if that is legal. I don't need to submit docs, even though I have them. You both know what you are doing. And you know it isn't legal. I didn't bother complaining, because it would do no good. Clearly you know you shouldn't be doing what you are to begin with. I just need it on record.
Consumer complaint received 2024-09-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc. (TX)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contra
ct bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account name : XXXX & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a XXXX for this charged off debt. Can you please provide me with a XXXX to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc. (FL)

Resident verify performed a background check for XXXX XXXX XXXX in XXXX TN. They provided a report with information for someone with my same full name but a different birthday that happens to be the same month and year as mine. Now I have been denied for the apartment I need.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I noticed funds were being held on 2 of my bank accounts. I was informed by my bank it was garnishment from Portfolio Recovery and they are holding double the amount theyre asking for. I have received no written notification about what this is regarding in any form. The contact information I was given by my bank does not answer or return calls. Any outstanding debt I may have is from well over 7 to 20 years ago. My bank tells me I have to wait for the response from Portfolio before they will release any funds but will most likely be half of what was taken. I guess Ill have to contact my own attorney at this point.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

My recent credit report is showing multiple collections that I never received written notificationcommunication about so I had no time to dispute them on my behalf. I am also requesting debt validation persuant to 15 U.S. Code 1692 G, in this debt validation I am requesting a detailed list of my history of payments made by me on this account, I am requesting the ORIGINAL PURCHASE AGREEMENT, contrat with my signature with me agreeing to pay this creditor, has there been an insurance claim filed on this account, I also want to see that you have chain of title to collect on these debts. JEFFERSON CAPITAL SYSTEM- account number XXXX, date XXXX. Without providing this information according to FCRA these accounts needs to be removed immediately.
Consumer complaint received 2024-09-04
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: BARCLAYS BANK DELAWARE (WA)

On XX/XX/XXXX I paid for a conference fee named " XXXX XXXX XXXX  ''. This conference was supposed to take place XXXX of XXXX. It came to the attention of my community around XXXX of XXXX that the person who was running the conference actually had taken all of the money from those of us who paid in advance and gambled it. I attempted to contact the organizer of this event to ask for a refund but he did not respond. Additionally, his phone number has been disconnected and his website has been shut down. 

As soon as I was able to I contacted Barclays ( end of XXXX, early XXXX ) to ask them what to do, I did. I was advised to send all proof that I had of this fraud and to mail to them along with a letter explaining the situation. I did this, and received a response on XX/XX/XXXX stating " unfortunately, we were unable to obtain credit on your behalf because we can only intervene after the specified delivery date has passed. '' I was advised by agent XXXX on XX/XX/XXXX that it would be ok to wait until XXXX and to write again once the event should have happened, but didn't. 

So, I did. I wrote Barclays again on XX/XX/XXXX explaining the situation and received a response from them on XX/XX/XXXX stating that there was " insufficient proof that the merchant has violated the invoice/contract 's terms and conditions '' and that " we are outside of the permitted timeframes to continue this claim through the dispute process. '' I have provided them with as much proof as possible - and upon speaking with agent XXXX ( ID XXXX ) on XX/XX/XXXX even he was able to verify that there was no way to contact XXXX, the merchant. Additionally, I followed their instruction to wait until after the event has passed and now that I have they are telling me that I waited too long. This is incredibly frustrating. Additionally frustrating is that while XXXX was able to verify that there was no way to contact XXXX XXXX XXXX tried to reach out to him and was the one who told me that his line was disconnected ), his advice was still to take this up with the merchant. I am not sure how they can tell me in the same sentence that they are not successful in reaching the merchant and yet expect me to reach him to get a refund.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (NY)

I had an account with United wholesale mortgage opened XX/XX/year> and they reported me late 30 60 90 days late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX which is not accurate and in XXXX my loan was transferd to XXXX and I started making my payments with XXXX and I just got a notification that I am 60 days late in XXXX with United wholesale mortgage while I am ( was ) no longer with them and with XXXX I am in good standing no late there
Consumer complaint received 2024-09-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (PA)

I paid my XXXX mortgage payment over the phone on XX/XX/XXXX ( 8 days before it was due ) and Fay Servicing took it out of my account on XX/XX/XXXX ( see attached proof ). 
Fay Servicing never credited me for that payment and even after talking to XXXX representatives from their company, they still pretend I didn't pay my mortgage on time.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP (CA)

I sent the {$540.00} to a person named XXXX XXXX XXXX. I received a notice that the payment had not been sent. I sent it on XX/XX/year>. I notified the bank that I had sent the {$540.00} to the incorrect person. They denied the claim because the transaction had posted as requested. I asked for them to consider looking at the account history, as I send a payment to XXXX XXXX XXXX. They stayed there was nothing they could do to reverse the payment.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

After reviewing my credit report I found many inaccuracies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear. I demand this to be removed from my credit report.
Consumer complaint received 2024-09-04
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: GOLDMAN SACHS BANK USA (OH)

Subject : Dispute Regarding Non-Refund of XXXX Ad Purchase through Apple Card ( XXXX ) Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute regarding a purchase I made on XX/XX/year>, through TikTok for their ad services, which was charged to my Apple Card, a XXXX issued by Goldman Sachs Bank. The total purchase, including tax, amounted to {$32.00}. This ad service was not delivered as promised by the social media platform, and despite following all necessary steps to seek a refund, my requests have been denied both by XXXX and my credit card issuer. 

To provide further context, I waited nearly two weeks for XXXX to review and approve the ad. On XX/XX/year>, I received a message from XXXX stating that my ad was disapproved and that the " Promote '' balance would be automatically refunded. However, as of today, XX/XX/year>, I have not received the promised refund, and there is no clear way to contact XXXX for further inquiry about the refund. 

I first contacted Apple Card via the app on XX/XX/year>, to request a refund and explain my situation. However, Apple Card stated that I was not eligible for a refund. I then resubmitted my request for reconsideration on XX/XX/year>, reiterating that XXXX had failed to deliver the service as advertised and that their approval process far exceeded their stated 24- to 48-hour review timeframe. Despite this explanation, my request was never answered and still left as not eligible for a refund. 

I have substantial evidence, including screenshots that show : -SCREENSHOT 1 The initial purchase of the XXXX ad service on XX/XX/year>. 

-SCREENSHOT 2 Purchase transaction and receipt information from Apple Card ( XXXX ) -SCREENSHOT 3 - The refund requests made to Apple Card ( XXXX XXXX ) thru app second request not answered. 

-SCREENSHOT 4 -- The denial message from XXXX on XX/XX/year>, which clearly states that my XXXX balance would be refunded automatically, which has not occurred. 

-SCREENSHOT 5- Current Apple Card Bill Receipt reflecting current date of XX/XX/year> no refund has been issued from Apple Card company even after I submitted two disputes for a refund due to services not rendered from XXXX XXXX XXXX XXXX platform. 


Given these facts and the lack of protection I have received from my credit card issuer, I am formally requesting that Apple Card ( XXXX ) honor my refund request. I believe this is a valid consumer dispute, and I am entitled to a refund for a service that was not provided by the vendor, in accordance with both XXXX 's and XXXX policies. 

I respectfully request the CFPB 's assistance in resolving this matter and ensuring that my rights as a consumer are protected. Please let me know if you need any further documentation or information to support my claim. 

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

Sincerely, XXXX XXXX