davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

My husband and I are in the process of refinancing a home loan with US Bank. I first become suspicious of their practices because of the length of time it is taking to approve. All paperwork is in and our credit is excellent so I wondered why they seem to be 'finding things ' to postpone the approval. I even wondered if I am part of a scam. The loan processor is saying that because we have a living trust there is a delay and because we have a sign ( by the road ) with the home addresses on it, the underwriters are concerned. We have refinanced before on our home and these were never issues, in fact they add to fire safety and personal security. We have contacted the processor numerous times and they do not seem to have a viable reason. Is this company going under? Are we part of a larger scam by US Bank? 
Even scarier, I called an XXXX US Bank number to inquire about our application. I gave the US Bank employee our loan application number, our address, name and last 4 SSN. He couldn't even find record of the application. He had 9 pages on his computer screen of loans in process in XXXX California and couldn't find ours. This seemed very strange since we have been at this for about 40 days.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

Had two Unauthorized transactions through cashapp to an account using a fake name. One for {$390.00} on XX/XX/XXXX and another for {$410.00} on XX/XX/XXXX. Reached out to cash app and they said they werent able to do anything. Filed a cfpb complaint early XXXX and they investigated before denying my claim once again without providing additional information even though I requested it.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MN)

After discovering that a debt collection company and XXXX XXXX were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. 

Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. 

In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. 

If the company persists in these practices, I will be forced to take legal action. 

I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/year> I XXXX XXXX submitted a certified dispute to XXXX EQUIFAX XXXX Clarifying Im a victim of identity theft I have also provided proof according to section 605b of the fair credit report act those accounts should be removed from my personal credit report within 4 buisness days in which these three companies failed to do I submitted everything to each company Which follows : Police report Ftc repost Theft affidavit Proof of address ( lease agreement ) I have also filed a civil legal suit as of XX/XX/year> for failing to protect my consumer rights and removing fraudulent accounts As follow Equifax is reporting XXXX XXXX XXXX {$36000.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX {$360.00XXXX XXXX XXXX {$5900.00} XXXX IS REPORTING ( fraudulent account and address XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX IS REPORTING XXXX fraudulent accounts XXXX XXXX  {$360.00} XXXX XXXX {$5900.00}
Consumer complaint received 2024-08-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CO)

Dear CFPB, I am filing a second complaint ( following # XXXX ) regarding U.S. Bank 's recent actions concerning my accounts and those of my minor daughter, XXXX XXXX XXXX 

U.S. Bank is planning to close several of my personal, business, and credit card accounts ending in XXXX, XXXX, XXXX, XXXX and XXXX on XX/XX/year>, without providing a clear explanation. Simultaneously, they have requested that I increase the credit line on XXXX of my remaining accounts. This creates confusion. 

Furthermore, U.S. Bank has involved my XXXX daughter, XXXX XXXX, who also has a deposit account with them. 

I have attempted to obtain a clear explanation from U.S. Bank, but their responses have been vague and unsatisfactory. While I understand they may have the legal right to close accounts, they did not disclose this right during account opening, especially the personal, business, credit cards and line credit accounts opened by XXXX XXXX XXXX. 
and his suggestions. 

I believe consumers deserve transparency and a clear explanation, especially when the actions involve a minor. These actions may negatively impact my financial standing and my daughter 's future. 

I request that the CFPB investigate this matter and take appropriate action to protect my rights and those of my minor daughter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AL)

I have an Express store card. I last used it in XX/XX/XXXX. It is now XX/XX/XXXX. I paid off the balance in XXXX. I then unknowingly accrued late fees and minimum service charges ( though my balance was paid in full during XX/XX/XXXX ). I noticed in XX/XX/XXXX that I had been accruing said fees. I called the company to dispute and they were not interested and just said that was the way it was. I paid the full balance again in XXXX. Much to my shock, I received an XXXX bill for {$27.00} showing that I gained ( what appeared to be rising ) erroneous fees. I paid the balance in full AGAIN and fear I may receive yet another bill.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MI)

Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report. Whenever a consumer 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. Both files are fraudulent and dont belong to me. Both accounts are reporting different balances even while company tried to say they verified debt. Company has stated they won run disputes because theyve ran them accurately. Paperwork will show that was a lie as well as their attempts to collect incorrect amounts with information they stole from my person file
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NV)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

Transworld Systems reported inaccurate, negative information on my credit report to the big XXXX consumer reporting agencies ( XXXX, XXXX, and XXXX ) for a debt that does not belong to me. The collection ( opened on XX/XX/year> for {$490.00} ) purportedly involves a XXXX XXXX account. 

I called XXXX XXXX years ago when it first attempted to collect this debt. XXXX confirmed the account neither belonged to me nor did it have any record of an outstanding balance associated with my name. At the time, XXXX 's collector discontinued collection efforts and returned the account to XXXX. Additionally, XXXX confirmed that the account in question belongs to a consumer who has a XXXX  address. I've never lived in XXXX. 

This is an illegal parking of debt without written notice that violates the FDCPA. 

Please discontinue this collection attempt and remove the negative information to the the big XXXX consumer reporting agencies.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

i dont remember the date but i few years ago some one stole my folder with all my bank of america account info in it plus my card i had just open the account due to someone stealing it they put fake checks in my account without me knowing and did fraud on my account i didnt know nothing about this un till i login in to my account and seen my account in a negative balance.i reported this multiple times. i did a full report.so now i cant open a bank account at all in my name due to the fraud i didnt do.im not able to save money the way i would if i had a bank account.
Consumer complaint received 2024-08-21
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/year> I initiated an online purchase in the amount of {$410.00} from IKEA. That same date, XX/XX/year>, I canceled the online purchase and IKEA sent me an email with the cancellation and refund information. 

Comenity Bank IKEA Projekt Credit Card charged my account for {$410.00} for an item that had not been processed, purchased or shipped. 

I have attempted to clarify the cancelation and refund issued by IKEA three times and have not received a resolution that reflects a full refund. 

Comenity Bank IKEA Projekt Credit Card customer service agents have attempted to redirect my requests for a dispute with several different answers and procedure requests. 

Each time I have attempted to call the main customer line for Comenity Bank IKEA Projekt Credit Card there is an automated response stating the line is having technical difficulty and I have been unable to have a live conversation with a customer agent. 

Therefore, I have sumbmitted XXXX messages requesting resolution to the refund and attached supporting evidence. 

I believe Comenity IKEA Projekt Credit Card has fraudulent billed me for an item that was never process, purchased or shipped. 

Please send me advice on how to get this billing adjusted accurately reflect my purchases.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

According to the IRS, an unpaid charge-off is considered income, and according to the FCRA, income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged-off account listed below : JPMCB XXXX After checking my most current report, the updated information stated the account was discharged and is now considered as income. This account can not be reported as a charge-off on my credit report if the account was discharged due to bankruptcy. Please send the 1099-XXXX form.
Consumer complaint received 2024-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have been working with Portfolio Recovery for sometime now in trying to resolve a debt from a company named XXXX who had charged an amount under my identity. This debt was a result of identity theft and as a result the case was disputed and dismissed in my favor and the garnishment was to be released. I was informed that the funds that had already been garnished was going to return led back to me and the account would closed. In my communication with Portfolio Recovery they have been unprofessional in handling this manner and have not resolved my concern in stoping my employer from garnishing my wages despite them already informing me that the garnishment has been released. Every time I try to make contact with Portfolio Recovery and their representatives including their team of supervisors, they do not know how to resolve this issue stating they would follow up and never do. Upon making contact with the several times, their interaction with me has been unprofessional such as laughing while on the phone with me, load background noise that sounds like theyre at home with friends in the background and they are very dismissive regarding this issue. I last made contact with them today ( XX/XX/2024 ) and I was on hold for almost two hours to speak to a supervisor. The representative informed me that the supervisor had to walk over to her to speak to me which never happened. I had to hang up because it seemed as if they are doing this purposely in not trying to resolve this concern to stop the garnishment of my wage for several months now. They have not provided me or my employer with any information to end this garnishment and have yet to refund me the amount that was wrongly in debt under my name. Every other time I had made contact with this unprofessional financial company, the response to my inquiry is different than the last, which makes me think these are not professional employees resolving this serious situation or lack training. It is not fair to myself that I cant reach a single individual including a supervisor in this company who can assist me and continue to say anything to rush me off the phone. The company has not done anything as of today to resolve my complaint nor to provide me with any valuable information to follow up on as they report they dont know whats going on. They report there is no one higher up other than the supervisors that I can speak to which is concerning. The supervisors I have last spoken to are XXXX XXXX and XXXX XXXX. They also report that they dont know who would refund me the funds that they have garnished. How does a financial company collecting a debt not have this basic information?
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC (PA)

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong ENHANCED RECOVERY COLLECTION company this is a written request for you to cease and desist all forms communication with me effective immediately.

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


Furthermore you have no jurisdiction or authority to collect on this allege debt. 

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You ENHANCED RECOVERY COLLECTION knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUMED TO TAKE ON XXXX XXXX XXXX XXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Receivable Management Services LLC (FL)

On XX/XX/2022 I had thought that what was a year and a half battle with XXXX XXXX XXXX which was submitting delinquency remarks from my XXXX XXXX Card was over. I had explained to them multiple times that I am a XXXX ill XXXX patient and was waiting for my XXXX XXXX XXXX XXXX and wasnt working, but they continued to charge interest and wanted to keep the process going of keeping me in debt. I had finally gotten through to them that they had already made a derogatory mark and they needed to stop perusing the ruin of my credit. On that very same date, they deceptively and dishonestly sold my credit balance to a new collection agency, XXXX XXXX XXXX XXXX, and this company has tried to do everything possible to not remove their report, refused to answer any questions, and keep the selling of the bill so it will not ever be removed. XXXX attempted multiple times to get in touch with them and finally found out that it was actually sold from XXXX XXXX, after lying to them multiple times of where exactly they have the connection with me. They also informed them that it was tough luck that he has XXXX, pay up before you leave the bills to your family to tend to. These people have no integrity and are low life individuals that run on pure greed. This company needs to be stopped as they try to ruin peoples credit and then make fun of their situation as their being lied to on where the bill even came from
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.