davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I received two text messages from Chase Bank, which were fraud alert messages. The first message was regarding a purchase in the amount of {$1000.00}. The second text stated that a XXXX payment in the amount of {$5000.00} was being sent. Then there was an email from Chase Bank showing a wire transfer in the amount of {$12000.00}. This all took place after a {$17000.00} deposit. 
Meanwhile, I checked my account and noticed the {$12000.00} wire transfer was in a pending status to XXXX XXXX. I did not authorize a transfer of XXXX. The XXXX was moved from my business account and Chase refuses to return my funds. 
After Chase Bank conducted their investigation, it was found that someone else called in and it was not my voice, yet I was denied the return of the wire transfer sent to XXXX XXXX. 
In conclusion, Chase bank accused me that I called their bank 5 times and if they concluded that the voice was not my own, the funds would be returned to my account. After the investigation, it was determined that the voice was NOT my own, however they still refused the return of my funds. 
I'm writing to your organization to inform you of the fraud, deception and unfair business practices of Chase Bank. After doing research, I found that this is a common issue amongst other Chase consumers with similar accusations of the consumer " benefiting '' from the fraudulent activity. 
As a XXXX XXXX, I'm financially devistated and requesting for assistance with the return of my funds in this matter. 
Please reach out to me for further content and proof ( phone logs, timelines, Chase letters, etc... )
Consumer complaint received 2024-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (AZ)

I have two consolidated loans for XXXX and one for XXXX I didn't apply for loans nor did I do a consolidation of my loans in XXXX XXXX XXXX I have been going back n forth with Nelnet and my school about this as I believe that their is fraud going on with regards to my school which is too XXXX  The director of financial aide has accepted my loans for me and also has applied for deferments without my consent.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

Received e-mail from an account representing PayPal suggesting that there was a loan established in my name and that approximately {$2000.00} of bit coins and other items had been purchased. 

The resolution to the issue was to submit XXXX XXXX cards to there representative. 

After submitting the amount I realized that this was a scam. The gift cards were on hold through XXXX. PayPal was contacted and there was no account registered in my name. 

The e-mail addresses for corresponding are : XXXX XXXX The phone numbers are XXXX XXXX There was also a transfer of find from XXXX to XXXX XXXX address - @ XXXX XXXX XXXX {$500.00} gift cards purchased XXXX  XXXX. 
XXXX transfer {$560.00}
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MA)

I am the victim of fraud. I am receiving a bill from a Chase credit card that I DID NOT OPEN OR USE. Chase has informed me that it was used for purchases in California. I have never in my life been to California, nor to the store listed on the transactions. These unpaid charges are seriously affecting my Credit Scores and I would like these fraudulent charges dropped as soon as possible.
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally request the removal of a charge-off account from my credit report. The charge-off is inaccurate or unverifiable, and as such, it should be removed in accordance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (GA)

Under 15 U.S Code 1691b Permissible purposes of consumer report. I never gave you any written consent to report anything on my consumer reports. No consent is identity theft.

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report. These accounts below are in violation.Any credit transaction supposed to be excluded from a consumer credit report. if a Social Security card was used in the transaction.

15 U.S.C 1681S-2 ( A ) ( 1 ) ( E ) ( I ) Rehabilitation of private education loans, These loans below has completed the rehabilitation process, DELETE NOW 1. U S Department of Education XX/XX/XXXX all 12 accounts for different amounts. 
2. XXXX  XXXX has 10 accounts XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-08-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

Subject : Request for Debt Validation, Cease and Desist, and Potential Litigation Costs Genesis Credit Management LLC COLUMBIA DEBT RECOVERY Dear Genesis Credit Management LLC, I am writing in response to your recent communications regarding an alleged debt. Please consider this letter a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In accordance with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please be advised that statements alone are not sufficient evidence of a debt. I require that you provide the following : 1. **Proof of the debt : ** The original signed contract or agreement that substantiates the existence of the alleged debt.

2. **Chain of title : ** Documentation showing the chain of custody or transfer of the debt, proving that you have the legal right to collect this debt.

3. **Itemization : ** An itemized statement of the alleged debt, including any fees and interest accrued.

Additionally, this letter serves as a formal **cease and desist** notice. You are hereby instructed to cease all forms of communication with me regarding this matter, including but not limited to phone calls, emails, and written correspondence. Note that this cease and desist also extends to any reporting to consumer credit reporting agencies. Any report to a consumer reporting agency constitutes a form of communication and should be ceased immediately. Failure to comply will be construed as XXXX. 

Please note the potential costs associated with litigation if you continue to engage in unlawful collection practices, including but not limited to harassment and failure to provide adequate proof of debt. The following itemized costs are provided for your consideration : - **Filing fees : ** {$400.00} - **Attorney fees : ** {$250.00} per hour - **Court costs : ** {$300.00} - **Damages for emotional distress : ** {$5000.00} - **Punitive damages : ** Up to {$10000.00} Please be aware that I reserve the right to take legal action, which may include seeking damages for harassment, emotional distress, and any other applicable claims. 

To avoid further action, I expect to receive the requested validation documents within 10 days of this notice. If you fail to provide the required documentation or continue any form of communication, including reporting to consumer credit reporting agencies, I will pursue all available legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-07-31
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

The company closed my account on XX/XX/year> and didn't notify me or advise why until XX/XX/year> and still not advise exactly why they closed my account. 

I called and they stated it was due to not using my card, but then I was also told another reason.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (PA)

I have been a customer of Marcus by Goldman Sachs for several years and never had issues with transferring my money between this account and my primary banking account until recently. I have an online high yield savings account through Marcus by Goldman Sachs. My Marcus account is linked to my XXXX XXXX XXXX XXXX checking and savings accounts ( my primary banking system ). 

Last week, I submitted a payment from my Marcus account to my wedding catering company for my upcoming wedding. Because the wedding catering company is a third party, Marcus reversed the payment and locked my account. I understand the security behind this and reasoning from Marcus for doing this. However, I called their customer service line to rectify this issue and told them I made this payment. They have a strict identity verification process to unlock my account. They asked for numerous pieces of information about me including full name, date of birth, home address, social security number, secret word to my Marcus account, and external bank account numbers linked to Marcus ( my XXXX XXXX accounts ). They told me they could not send me a one time pin to my cell phone number linked to the Marcus account because it is " inactive '' which is not true. They then asked me four questions that I would only know which were the following : my former home address, the cross street to my former home address, my current address, and who currently lives with me. After all of this information was correctly provided, they told me they could not verify me because " this information was not correct ''. They proceeded to say they would be sending an " affidavit of identity '' form in the mail for me to complete and get notarized. This could take up to 7 business days just to receive the form. I am extremely frustrated by the Marcus team because their verification process is exhaustive. I am upset because this is my account and my answers were correct. I have a wedding catering deposit payment that is due, but can not yet proceed due to their lack of compliance and inaccuracy with verifying my identity.
Consumer complaint received 2024-07-31
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (MI)

Hello CFPB. 

I have worked to resolve this matter on and off for the majority of XXXX and am filing a complaint as a final resort. 

On XX/XX/XXXX I was offered a promotional discount to apply for a Victoria 's Secret Angel Card in store at checkout. I provided my valid current ID with my accurate address that I have resided at for XXXX years and the sales associate stated that I would receive a decision by mail. I paid for my total purchase of {$19.00} with cash and left the store. 

I did not receive documentation or communication by mail, but I was in the middle of a divorce and the in store experience wasn't top of mind. I have attached a letter outlining the details of the events that followed, but ultimately, Comenity Bank sent 4 months worth of account documents to an outdated address ( statements attached for proof ), my account went delinquent and is report XXXX, XXXX, XXXX, XXXX, XXXX and XXXX  day lates on my credit, I settled the matter for {$120.00} despite maintaining my claim that the charge was made in error and I was not given time to dispute the matter initially, and now my credit is ruined due to a horrendous payment history that resulted from circumstances outside of my knowledge or control. 

This is unacceptable. Teenagers should NOT be taking credit applications at the register like it's a loyalty program ( which is what is described ) and I believe I have been a victim of predatory lending. I had another open account with Comenity at this time ... and statements were being sent to my correct address. There is no excuse.
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, this Creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says have the right to Privacy. 15 U.S.C 1681 section 604 A section 1 t also states a consumer reporting agency can not furnish an account without instruction. Under U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX XXXX XXXX  {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2800.00} XXXXXXXX XXXX XXXX Owed : {$0.00}.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/2023 @ XXXX at Bank XXXX XXXX XXXX hour ATM machine located at XXXX XXXX XXXX XXXX XXXX NY XXXX. I went to pay my credit card bill. I made a payment of {$210.00}, XXXX XXXX XXXX bills, XXXX XXXX XXXX bill and a XXXX XXXX bill. The ATM took my bank card gave it back, asked me was I making a payment I hit YES I put the money in and the machine kept the money and said, Error, that my transaction could not be completed or return my money back. The payment did not post nor did I get a receipt. Complaint # is XXXX. I have reported this incident several times. I still have not received my money it is under investigation and no one as of yet has reached out to me. Also I would like to become part of the XXXX XXXX XXXX XXXX XXXX Class Action. This is the second time I had an major issue with Bank Of America holding my money and not want to reissue it.
Consumer complaint received 2024-08-04
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: TRUIST FINANCIAL CORPORATION (FL)

To Whom It May Concern, I am writing to formally address a matter of significant concern regarding my account, which has been compromised due to identity theft. This incident has not only caused considerable inconvenience but has also impacted my personal and financial well-being. 

In XXXX of this year, I became aware that my account had been accessed and used without my authorization. It was evident that my personal information had been unlawfully obtained and misused. The unauthorized transactions and changes made to my account are not only distressing but have also resulted in financial discrepancies that I am currently working to resolve. 

Upon discovering this breach, I took immediate steps to mitigate the damage. I reported the incident to the relevant authorities, including [ insert specific authorities, such as your bank, credit bureau, or law enforcement ]. Additionally, I have initiated a fraud alert and am actively monitoring my credit reports to ensure no further unauthorized activity occurs. 

This situation has been challenging, as it has disrupted my financial stability and caused emotional stress. I am committed to working closely with your team to resolve any issues stemming from this breach. I am providing all necessary documentation and cooperating fully to ensure that this matter is addressed efficiently. 

I kindly request your support and understanding during this time. I am confident that with your assistance, we can rectify the situation and restore the integrity of my account. Thank you for your attention to this matter.
Consumer complaint received 2024-08-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

I am writing to formally dispute the alleged following debt currently associated with my XXXX, XXXX, XXXX and XXXX accounts. XXXX XXXX XXXX XXXX XXXX XXXX {$350.00}. I believe that my rights under federal law are being violated, and I am disputing owing any and all debts purportedly held by these agencies. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of any debt claimed I owe. Accordingly, I am requesting the validity of these alleged debts as required by federal law. XXXX ) Please provide a comprehensive validation of this debt, including a detailed account of how this amount was calculated. XXXX ) I request a copy of the original purchase order agreement between the collection agency and the original creditor, as proof of the debt 's origin and validity. XXXX ) Additionally, I am requesting documentation that demonstrates the agency is currently licensed and bonded to collect debts in my state. Furthermore, I hereby revoke any and all rights of any debt collecting agencies to communicate with me through text, phone calls, email. I am exercising my right to request that all future communications regarding this matter be conducted exclusively through written correspondence sent certified to my mailing address.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

Dear CFPB, I am writing to file a complaint against Affirm regarding an inaccurate report of a 30-day late payment for XX/XX/year> on my account number XXXX. This information has been reported to the credit bureaus and is adversely affecting my credit score.

I have always maintained timely payments on this account, and I believe that the reporting of a 30-day late payment is incorrect. I request that the CFPB intervene in this matter to have the inaccurate late payment removed from my credit report. It is crucial that my credit report accurately reflects my payment history, and this error must be corrected to prevent further damage to my creditworthiness.

I have attempted to resolve this issue directly with Affirm but have not received a satisfactory response. Therefore, I am requesting your assistance in rectifying this matter and ensuring that the 30-day late payment for XX/XX/year> is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TN)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BEST BUY/CBNA XXXX