davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (NC)

First Progress charged me illegal credit card interest when I was a Georgia resident and agreed to closed the balances and a XXXX balance instead that has reported the account as a charge off with multiple late payments. The agreed because of the error and the balance is years old that they would delete this inaccurate information l. They also said it put me in a bad situation right after bankruptcy. They have two negative accounts with balances.
Consumer complaint received 2024-08-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

Target, in an act of utter indecency and immorality and abject lack of compassion, continues to charge me late fees even though I do try to pay on time their outrageously high interest rates!

There are a cruel lot! Indeed they are!

And so I want my Target credit card immediately cancelled and all fees removed!

FURTHERMORE and very seriously, the prices on Target 's shelves often do not match up at the check-out counter and I have complained to the XXXX XXXX, New Jersey Department of Consumer Affairs and the XXXX XXXX Prosecutor! 

A company that can't keep its prices straight is demanding my pay its " fees ''? NO WAY!
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: T.S. Holdings (NC)

The address associated with my report i am not familiar with and should not be associated with my acct and inquiries were denied and they still are affecting my acct but most of all there are hard inquiries that denied me and i still see them reporting on my credit
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (TN)

Company updated app and it no longer works properly. When I login it will show I hundreds of dollars more than I do. The transactions never match, payments don't show up or disappear, it is completely inaccurate. It shows I have XXXX credit available even if the card is paid off and if I refresh it will go back to my limit showing as available. I've never had a bank randomly change how much I owe every time I login.
Consumer complaint received 2024-08-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

Consumer Laws to Use to Remove Collections : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A
Consumer complaint received 2024-10-30
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. (TX)

These fraudulent accounts have resulted in multiple unauthorized hard inquiries and fraudulent collections appearing on my FICO credit reports, which are damaging my credit and were not initiated by me. I made multiple attempts & disputes. My next action is litigation against Experian & CFPB for allowing this to be reported for so long after multiple complaints of fraud. This has severely affected my life. 

Additionally, my Social Security number was unlawfully leaked as a result of a data breach involving the Social Security Department, and these adverse accounts are a direct consequence of fraud. Pursuant to Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act ( FCRA ) & I demand immediate response that this fraudulent information & accounts be blocked and removed from my credit report immediately within 4 business days.

To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. Please See Attached Notarized & Non Notarized Files. 

ALSO : These addresses Ive never lived at : These addresses are also associated with these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is violating multi laws : Attached Is A Notarized Dispute Letter Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

I am writing to express frustration with SoFi Bank. On Tuesday, the XXXX of XXXX, 2024. I tried making a purchase that failed to go through only to discover my account had been restricted so I reached out to the SoFis Account Security Team and was told i had to undergo an identity verification process which has consistently failed due to poor technology despite numerous attempts in submitting clear images to prove my identity. Each time I attempt to verify my identity, the process is unsuccessful, resulting in a 24-hour delay before I can try again. This has caused significant inconvenience and restricted my access to my account. 

Details : - Number of attempts : XXXX - Error messages or codes received ( if any ) : [ insert messages/codes ] XXXX XXXX : I can be reached at [ XXXX ] or [ XXXX ] if additional information is needed to facilitate this complaint.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

a few days ago. I had deposited a check into my chase account it was placed on hold to be processed until XXXX I tried using my account this morning XXXX and got decline I called chase and they told me because of the check being returned my account was closed without any information given prior of them closing it... I tried to talk with them and they simply said I'm sorry chase brands doesn't want to do any more business with you anymore .... I been with chase my whole life and never had an issue, I tried to explain that to the guy and he said they can't do nothing. I paid all my times I been overdrafted In the past yet over a bounced check they close it. I have all my payment set up with chase by chase, and all my direct deposits to my chase accounts never have I been at bad .after today issue I want to file this and processed with Law suite against chase
Consumer complaint received 2024-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (IL)

I have a card and account with cash app, and on the app there is an option to add paper money at a retailer. I tried to do this XXXX weeks ago at XXXX and when I chose the " add paper money '' option a message appeared stating that this option is unavailable on my account due to security reasons. This is extremely inconvenient for me as I need to pay bills online using this card.I called cash app support and they told me that upon checking my account this option is available and they do not know why it's not working. He then told me to wait XXXX or XXXX days and the problem would be fixed.I tried using the option today and it still won't let me add cash to my card. Cash app support via chat gives zero explanation for this and say they have no further information and then they end the chat. When I call them they tell me It will be fixed " in a few days ''
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

My bank : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXX approved auto debt charges when account had insufficient funds. In just 10 days {$190.00} worth of insufficient funds charges which completely emptied my account and ate up all the deposits I frantically made trying to cover the my payments before they were to be paid. As a XXXX widow living on social security I have a very limited income, which is why I requested that no charges be approved against my account if funds were insufficient.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Unauthorized Communication and Privacy Violations : I am filing this complaint because XXXX XXXX has repeatedly communicated with me regarding an alleged debt without my consent, in violation of the Fair Debt Collection Practices Act ( FDCPA ). These communications included unauthorized sharing of my personal information with third parties, constituting a serious breach of my privacy rights. 

Inaccurate Reporting to Consumer Reporting Agencies : XXXX XXXX has reported inaccurate information related to this alleged debt to consumer reporting agencies ( XXXX, Experian, XXXX ) without providing any validation or proper documentation. This inaccurate reporting is harming my credit profile and violates the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

I have over {$24000.00} in my checking account that is supose to be available XX/XX/2020. I am trying to withdraw {$9000.00} on XX/XX/2020 to make a purchase of a vehicle and the bank says they will not make the withdrawl. stating i can only get a money order or cashiers check
Consumer complaint received 2024-08-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (CA)

Subject : Urgent Dispute of Fraudulent Auto Loan on My Credit Report To Whom It May Concern, I am writing to request your immediate assistance in addressing a fraudulent auto loan that has been reported on my credit file. This loan, supposedly issued by Global Lending Services with a balance of {$30000.00}, is a blatant act of fraud that has nothing to do with me. 

Here are the details of this fraudulent account, taken from my Credit Karma account : Account Holder : XXXX XXXX Loan Amount : {$30000.00} Loan Type : Auto Term : XXXX  months Account Status : Open Opened Date : XX/XX/year> Lender Contact Information : Global Lending Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX : ( XXXX ) XXXX I am outraged that Global Lending Services has XXXX this XXXX fraudulent activity. This company, which is based in XXXX, XXXX near my residence in XXXX XXXX, XXXX clearly engaged in unscrupulous practices by associating this fraudulent loan with my credit. 

This false information is causing undue stress and has the potential to severely impact my XXXX XXXX and financial wellbeing. It is unacceptable that a company can engage in such fraudulent activities, and I demand that this issue be rectified immediately. 

I am asking the CFPB to investigate XXXX XXXX XXXX ' role in this fraudulent account and to ensure that this fraudulent loan is removed from my credit report as quickly as possible. The lender must be held accountable for their actions, and this fraudulent activity must not be allowed to damage my financial reputation. 

I have already contacted XXXX to dispute this account and will be pursuing further action against XXXX XXXX Services if necessary. I trust that the CFPB will take the necessary steps to assist me in resolving this matter swiftly. 

Should you need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-24
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: NCB Management Services Inc. (FL)

Dear Debt Collectors ... ( See List Below ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors XXXX XXXX XXXX Opened XXXX {$630.00} XXXX XXXX XXXX  Opened XXXX {$740.00} XXXX  XXXX XXXX Opened XXXX {$1500.00} XXXX XXXX XXXX  Opened XXXX {$2100.00} XXXX XXXX XXXX Opened XXXX {$2600.00}
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ TOYOTA MTR ] [ XXXX ] XXXX : [ TOYOTA MTR ] [ XXXX ] XXXX : [ TOYOTA MTR ] [ XXXX ]
Consumer complaint received 2024-08-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (KY)

Midland Credit Management XXXX : Customer Service Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Demand Dear Midland Credit Management, I am writing to formally request that you immediately cease and desist from all communication and collection activities related to the alleged debt associated with my account. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and any other applicable federal or state laws. 

Cease and Desist Request : I hereby demand that you : a. Cease all forms of communication with me, including phone calls, letters, and emails, concerning the alleged debt. 

b. Cease any further collection activities related to this account. 

c. Provide written confirmation within XXXX  days that you have complied with this request. 

Consequences of XXXX : Please be advised that if you fail to comply with this cease and desist request, I will consider taking appropriate legal action to protect my rights. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal remedies available under the FDCPA. 

No XXXX of Rights : This letter does not constitute a waiver of any of my rights, claims, or defenses, all of which are expressly reserved. 

I trust that you will handle this matter promptly and in accordance with the law.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UMB FINANCIAL CORPORATION (MO)

I am in excellent standing with my card in payments and have never paid my bill late. 
The last few weeks ( XXXX XXXX, XXXX to present ) when I have tried using my card it is declined due to the expiration date. My card does not expire until XXXX. 
This has happened paying for my insurance over the phone, on XXXX XXXX, and several other vendors online.

I have called UMB Visa over and over to get this fixed and all they have done is give excuses telling me : You are entering the wrong expiration date, its only with XXXX XXXX, its a problem with your device, etc. etc. 
This can not be true as I have used phone payment, XXXX XXXX, and several other vendors were declined. 
Previously, many months ago, this same Visa cancelled my card for absolutely no reason, verified by my bank, who phoned them to straighten it out, she actually listened to our phone recording proving they were absolutely not suppose to cancel my current card number at the time. It was purely fraudulent behavior by UMB Visa.

They are dishonest and need to be held accountable for their fraud and horrible illegal treatment and hassling of innocent hard working people. 
I believe I am being hassled for paying my balance every month and earning many points they have to pay me for. 
I want them counseled and I want my card situation fixed with no further hassles for me. I do not have time to deal with them every other month. They should not be allowed to continue this fraud.
Consumer complaint received 2024-10-31
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: Experian Information Solutions Inc. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-25
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: REGIONS FINANCIAL CORPORATION (AR)

I have been trying to research the issue first before making any false allegations. I have reached out to the IRS and they found the Identity Theft to be true. I have submitted several documents showing them the transaction made by this person at different banks for years and my XXXX XXXX has not been changed. I suspect XXXX to be my step mother XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX. She may have used this after the XXXX  of my father XXXX XXXX XXXX. She has used aliases name for year on her record and she has used aliases name saying that I did it after I was forced to be separated from my Ex XXXX XXXX XXXX XXXX in which she probably made him use my information to throw off the police dept. She used to work at XXXX XXXX XXXX XXXX in XXXX, XXXX. XXXX is a doctor who prescribed the wrong medication so that she may control our finance and any inheritance from my father such as a trust fund that I never received. She complained that she had been with my father for years and couldn't get any of the money or assets when he passed away because they were divorced before he XXXX. She then used his sister XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. My XXXX XXXX was higher while I reside at a shelter where they were fearful to use any money or social security number or benefits after filing Identity Theft and police reports.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (WI)

I have an investment account with Sofi. However, my checking account was compromised and I closed it, while there was pending transfer with Sofi. I updated my new checking account with Sofi using plaid. Afterward I transferred fund from my bank to Sofi to cover the deficit. Somehow, Sofi wasn't able to transfer the fund even after I manually entered my new bank account number. I called a few times to ask for help. However, Sofi customer agents weren't able to help. and after all my positions was liquidated for a lost, I was told my account was restricted. After my third calls to resolve my restriction, I was told my account will be closed by Sofi. However, my fund was frozen from XX/XX/XXXX until XX/XX/XXXX. I escalated my call to a manager and repeatedly asked to have my fund return through whatever method Sofi used. But I need my money to meet my credit card payment expenses. The manager told me he would try to resolve and call me back within a couple days and he never called back. Now I'm only able to pay minimum payment on my credit card and paying interest on the rest of my balance, while Sofi held my fund.