davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

I, XXXX XXXX XXXX, XXXX, am filing this complaint against LexisNexis regarding significant inaccuracies in my consumer report. The report contains a mix of information belonging to my father ( who shares the same name ) and potentially fraudulent information resulting from identity theft. These inaccuracies have caused substantial harm to my financial standing and reputation. 
Detailed Explanation of Errors : Information belonging to my father : -NAME & ADDRESS Information believed to be from identity theft : CRIMINAL CASES, ADDESS, AND PHONE NUMBERS Previous Actions Taken : I have successfully contested several fraudulent accounts through legal action. Specifically : XXXX XXXX. XXXX XXXX XXXX. XXXX These court decisions demonstrate that I have been a victim of identity theft and that many of the accounts on my report are fraudulent. 
Impact of Errors : These inaccuracies have severely impacted my financial life, including : Denial of credit applications Higher interest rates on loans Difficulties in renting property Request for Action : I formally request that LexisNexis : Remove all information belonging to my father Remove all information related to fraudulent accounts Conduct a full investigation into the source of the incorrect information Provide a detailed, written report of their investigation and actions taken Supporting Documentation : I have attached the following documents to support my claim : Highlighted copy of my LexisNexis report showing incorrect information Court decisions related to fraudulent account removals POLICE REPORTS Follow-up : I request a written response detailing the actions taken and results of the investigation within 30 days of receipt of this complaint. 
This situation has caused significant stress and financial hardship. Prompt attention to this matter is crucial to prevent further damage to my credit standing and financial well-being. 
Thank you for your attention to this serious issue. I look forward to a thorough investigation and swift resolution. 
Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-11-02
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. (CT)

On XX/XX/2024, there was a fraudulent transaction to my XXXX credit card for {$0.00} for XXXX  that was made without my permission. I never provided my credit card or any other information to this company in the past. The same thing happened with XXXX for {$.00} on XX/XX/2024. Due to the fraudulent charges, I closed my account, thinking this would resolve the issue. To my surprise, I just learned today that apparently Chase/Visa automatically updates my new credit card information with these companies, despite me reporting it as fraud and never had a relationship with the companies. This defeats the purpose of closing the account and is a blatant violation of the fair credit and reporting act. I called Chase Customer serviceand they refused to remove the updates, stating I had to update with the companies themselves, despite them being fraudulent. This is unacceptable. I finally got a hold of someone in fraud who was helpful and said they were able to remove these fraudulent stored card numbers. There's clearly a flaw of XXXX XXXX XXXX that is allowing for the direct violation of the fair credit and reporting act that needs to be corrected immediately.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (MD)

I shopped online a XXXX I made XXXX purchases of XXXX and XXXX on XXXX/XXXX/XXXX  On XXXX I noticed this company XXXX was taking money from my accounts XXXX and XXXX I instantly disputed those charges claim number XXXX these were the only XXXX charges at disputed. when I contacted you guys, Netspend was not giving me my dispute money back. Also, I started returning items that I received on XX/XX/XXXX. Netspend gave me my dispute and took back my return item money then they took back the dispute for {$43.00} on XX/XX/XXXX and {$6.00} on XX/XX/XXXX this was the money I received from returning items to this company that I did not like and today they have still messed my account up. They will not allow me to use my overdraft but they let XXXX deduct {$2.00} from my account and charge me a {$20.00} overdraft today. I am on hold Customer service is very rude. so thats why Im on here now to find out who is gon na help me fix my account.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

15 U.S.C 1681s-2 ( a ) ( 1 ) The inquires listed below are unauthorized and inaccurate. I need these inquires removed from my credit report immediately. 

XX/XX/2022 XXXX XXXX ( Hotel and travel ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank )
Consumer complaint received 2024-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

Dear FIRST CREDIT SERVICES ; I am writing to dispute an alleged debt reported by your company, as this account does not belong to me. I have never had any relationship or agreement with XXXX XXXX XXXX or XXXX XXXX, and I believe this account has been reported fraudulently. 

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter, I am requesting the following documentation : Proof of your authorization under 15 USC 1692e and 1692f to collect this debt.

The legal basis for attempting to collect this debt.

Proof of your authorization to operate in my state.

Evidence of the alleged debt, including any contracts or agreements bearing my signature.

A full account history, including any charges and fees associated with this account.

Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I therefore demand the immediate removal of this fraudulent account from my credit report and prompt resolution of this matter. Under the provisions of the FCRA and FDCPA, I request that this item be deleted from all three major credit bureaus ( XXXX, XXXX, and XXXX ) as soon as possible. 

In a good faith effort to resolve this matter amicably, I expect full documentation of the alleged debt, specifically any contract or document bearing my signature and evidence of your authority in this case. Absent such proof, I demand the immediate deletion of any erroneous reports related to this account from my credit profile. 

Thank you for your immediate attention to this serious matter. I expect a response within 30 days to confirm compliance with the applicable laws.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Credit Card Fraud **Subject : ** Unauthorized Transactions on Credit Card **Complaint Description : ** I discovered multiple unauthorized transactions on my credit card statement. I reported it to my credit card issuer, but they have not yet resolved the issue or refunded my money. I am concerned about the lack of urgency and need the CFPBs help in rectifying this situation. 

USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

On the date of XX/XX/year>, the amount of {$1200.00} was sent to me via XXXX mobile app by my colleague XXXX XXXX. The XXXX was backed up to my XXXX debit card. Therefore, it was transferred to my XXXX account. The funds was not accessible to me so I made the decision to refund it and be sent back to XXXX XXXX XXXX. Ive reached out to XXXX support and XXXX and their help has not been helpful. They told me it should refund within two weeks. The longest is a month and we are passed that now. I am now filing this complaint as of XX/XX/year>, which has been 44 days since the transaction. Since then Ive been faced with hardships and inconveniences that this has costed me. I write this from a place of desperation. Please do what you can to help me. I am not rich and this money puts more distance from me and my child in the streets. Thank you.
Consumer complaint received 2024-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (CA)

i requested intervention with wells fargo after getting the run around. 
After contacting CFPB they immediately contacted me. then began to quickly play the shell game the first time they called i missed the call and it went to voice mail and they left a message when i returned the call they stated since i did not pick up the phone they closed the case and would have to reopen a new one. this in turn set a scenario where as i was transferred to 2 different reps handling my complaint. 
in final the last rep wrote me a letter saying i went through 2 trial payments which was true then they stated that my Loan was a mortgage backed security and it could not be modified. then they said that the reason my loan was not modified was because all of my paper work was not in which was totally false. i had satisfied all requirements for the modification. they intentionally waited to the last minute so my mortgage would go into foreclosure. I called back and opened up another case after i read the response and was called by the original representative whos number and extension I had previously stored in my phone he acted as if we never spoke then after taking my information said he would follow up in 2 days and to this point a week later i have not heard from him
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

The bed in question purchased at Mattress Firm on XX/XX/2022, and financed through Synchrony Bank was for my daughter. She passed away on her bed on XX/XX/2022 and the mattress had to be removed. With all that needed to be done after her passing, I tried working with Mattress Firm to see if the balance due of {$2700.00} could be negotiated to help me out financially with no success. I also related the same information to Synchrony Bank with no available assistance. The mattress is no longer in the house, and I'm currently still with a balance of {$2200.00}. I just made a payment to Synchrony today. 

I don't know where else to turn, is there help available in a situation such as mine? 

Thank you for your time and help.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (CA)

In XX/XX/XXXX I was contacted via phone by XXXX XXXX XXXX ( XXXX ) regarding this same matter. At the time, when I pulled my credit report the account showed an open date of " XX/XX/XXXX ''. I explained to the agent on the call that the mentioned account was not opened by me and it was opened without my consent or knowledge. 

The account was removed from my credit report and a year later in XX/XX/XXXX the account re-appeared under a different collection agency. The account seems to have been sent back to XXXX XXXX XXXX without any further attempts by XXXX XXXX  XXXX to ensure that the correct person was contacted opposed to selling it to a different collection agency. 

I received a letter from I.C. SYSTEMS ( Account # XXXX ) notifying me that I allegedly owed them money for a debt related to XXXXXXXX XXXX XXXX, in the amount of {$2400.00}, and that the account was opened ( Taken over by I.C SYSTEMS ) XXXX XXXX XXXX. I.C. SYSTEMS violates FDCPA 1692e ( 2 ) ( A ) and FCRA 623 ( 5 ) ( A ) This inconsistency raises concerns about a potential re-aging of the account, which violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( 5 ) ( A ). In addition, the reporting of this account with inconsistent opening dates may constitute a violation of 15 U.S. Code 1692e ( 2 ) ( A ), which prohibits the use of any false, deceptive, or misleading representation regarding the character, amount, or legal status of any debt. Based on the fact that I.C. SYSTEMS had noted the account and " Disputed by consumer '' I.C. SYSTEMS was made aware that this account had been disputed, but choose to report in on my credit report and violating FDCPA and FCRA
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Dear XXXX, I am writing to dispute the alleged debt reported by your company, as this account does not belong to me. I have never had any relationship or agreement with XXXX XXXX XXXX or XXXX XXXX Bank XXXX, and I believe this account has been fraudulently reported. 

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To rectify this matter, I request the following documentation : Proof of your authorization under 15 USC 1692e and 1692f to collect this debt. 
The legal basis for attempting to collect this debt. 
Proof of your authorization to operate in my state. 
Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
A full account history, including any charges and fees associated with this account. 
Your actions infringe upon FDCPA XXXX, XXXX, XXXX ( b ), and XXXX. I therefore demand the immediate removal of this fraudulent account and prompt resolution of this matter. Under the provisions of the FCRA and FDCPA, I request that this item be deleted from all three major credit bureaus ( XXXX, XXXX, and XXXX ) as soon as possible.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On Saturday, XX/XX/XXXX, I received a letter in the mail from Citi Bank credit card services with my account ending in XXXX. The letter indicated that as of XX/XX/XXXX your AutoPay/Recurring Plan for my account was terminated for my CITI Bank Diamond Preferred Credit Card XXXX 

On Sunday, XX/XX/XXXX at approximately XXXX, I called the Citi Cards telephone number at : XXXX and eventually spoke to customer services representative : XXXX XXXX I explained to XXXX the letter I received in the mail and asked her to check my account and if there was no more auto pay available how will I pay my credit card bill? 

XXXX check my account and told me that I was passed due one month because there has been no auto pay. I asked XXXX why wasn't I informed in the month of XXXX instead of XX/XX/XXXX that there wasn't auto pay available. I would have paid my Citi Bank credit card bill on time. XXXX said, " I don't know what's going on ''. There was a problem with the day of the month ''. She then hung the telephone up on me. 

Citi Bank failed to contact me in a timely manner to let me know they were going to stop taking there automatic payment from my checking account. So they have now made me late and one month behind on making my credit card payment for the month of XX/XX/XXXX. So now because of their mistake I will now have to pay penalty fees and my credit report will reflect that I was one month late because of there mistake. 

I am requesting the Consumer Financial Protection Bureau to Investigate this matter and find CITI BANK responsible for causing me undue stress having to incur late payments on my credit card statement and screwing up my credit for the month of XXXX and XX/XX/XXXX. This incident was extremely unprofessional and who ever stopped my automatic payments in the moth of XX/XX/XXXX was extremely inept.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (MD)

I was a victim of a scam that left me- {$4900.00}, I contacted my bank and they did an investigation and it came back to it was too late to recover this money. I wish to close this account and make payments towards this debt but I cant afford for my work check be completely taken because Im a single mother that needs to buy my kids food pay our rent and other bills. Please help. They wont let me close it because of the negative amount. And my work check is still going to that account even tho I stopped the direct deposit it takes 3 pay cicle to change, I dont know how Im going to survive with my kids.
Consumer complaint received 2024-10-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I bought a {$300.00} American Express electric gift card from XXXX XXXX XXXX on XX/XX/year>, and was trying to add it into my XXXX XXXX to use for my daily shopping. However, when I tried to add to XXXX XXXX, it kept saying there are issue adding the card. I have contacted both American Express and American Express Gift Card department for help, but American Express team tell me to reach out to American Express Gift card team and the American Express Gift Card team just have a voice bot that does not resolve my issue, not direct me to anyone who can help. 

I also tried buying some XXXX gift card with the American Express electronic gift card, and the transaction was denied. At this point, I am just throwing {$300.00} at AMEX for no reason, and pretty much a scamming scheme from my point of view.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX ID : XXXX DOB : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I pulled my XXXX XXXX XXXX consumer report and noticed there are several inaccuracies reporting that do not belong to me. I have never opened an account with Wells Fargo and I would like these removed from my XXXX XXXX XXXX consumer report as soon as possible. 

Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX XXXX. Date. XXXX XXXX XXXX XXXX XXXXXXXX. Date. XXXX All three bureaus were to put freeze on my account to where I dont have to worry about things like this. XXXX was only one show importance and respect wishes ask to avoid these things
Consumer complaint received 2024-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

My loan was transferred to Select Portfolio Servicing ( a mortgage service organization ) on XXXX of this year. 

Request After a month or XXXX I asked them to run an escrow analysis on my account as it seemed to me that they were withholding too much in my monthly escrow payments for the annual payment obligations I had. 

The total of my annual escrow liabilities is {$14000.00} ( School Tax, property insurance , county tax, & local tax ). This breaks down to ~ {$1200.00} per month without any buffer. 

They are charging me {$1600.00} per month which calculates to {$20000.00} per annum. So they are collecting $ XXXX for $ XXXX of obligations. 

On top of this, I have built up an escrow overage of {$4500.00} in XXXX, so in XXXX I will not only be paying them {$20000.00} but I am starting the year with {$4500.00} already in my escrow account. 

I asked them XXXX  times to run an updated escrow analysis as they appear to be over withholding on my escrow obligations. They refused to run the analysis until next year ( XX/XX/XXXX ). The reasoning was that they only run escrow analysis " once '' a year and that I would have to wait until next XXXX. 

On XXXX of XXXX, they will have XXXX {$9900.00} ( monthly overpayments of {$5400.00} + my beginning escrow balance of {$4500.00} ) Can you please help me. They are not listening to me, and have denied my reasonable request for an updated escrow analysis. 

Call me at ( XXXX ) XXXX if you have any further questions. 

Thank you and best regards, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

My phone was stolen and while I was able to recover the phone after a traumatic encounter, the thief was able to venmo themselves {$850.00} from my phone. I froze my venmo account and contacted my bank and they were able to stop the payment. However, Venmo denied my fraud claim and is now asking me to pay them this amount. My Venmo account has also been frozen and without a solution, I am seeking this amount to be removed from my account and the account restored without penalty. I have filed a police report about the situation and a IC3 complaint. I have also contacted Venmo and paypal executives.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (FL)

Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. Specifically the requested assignment contract chain and any other requested information. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX