davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MI)

There been some fraudulent transactions on my Wells Fargo for some XXXX transactions and Wells Fargo is basically saying I did it. They are being really scummy and not following fdic regulations. The person I was talking to was basically saying I did it and she was no help at all. There process is completely dumb they said because it was my name that they cant reverse it. And this is a huge sum the lady on the phone made me feel like she didnt even want to be on the phone with me and it felt like a chore to her! Unbelievable. And I still havent been credited and this is a huge sum. ( Update ) today is the XXXX and I tried to talk to someone and I ask to be transferred to the executive office and they laughed at me.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (TX)

In accordance to the fair credit reporting act the creditor has violated my rights under 15 USC 1681 section 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( its also states, a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (NH)

I had a account with Chime bank. My purse was stolen this past XXXX. I called Chime to cancel the card. They were going to issues a new card. I asked them to wait because I was in the process of moving. ( I did give them all the information they requested. I also sent copies of my change of address, pictures of my mail with the new address and my I D. Which they requested as proof. As this was all on going ) Next thing I know they sent another email stating fraudulent activity multiple accounts? I only had one account. My Social Security check went to chime XXXX. It got into a heated argument because they were supposed to expedite my check but it's been 3 months of lies and numerous phone calls and over XXXX emails. I still haven't received my check. They have had me jump through hoops. I gave them all the information they requested and I still haven't got my money back. I tried to find a number for the XXXX XXXX XXXX every phone number is the same and it only puts you in contact with the representatives. I have been arguing with them since XX/XX/2023. Every email I get is a roller coaster ride and lies. 
Please help I'm at my wits end with this company.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, I attempted to deposit my paycheck from my employer via the Deposit Mobile option as I had since XX/XX/XXXX every two weeks ( given USAA does not have any physical locations ). At that point, USAA held {$1000.00} of it without any explanation as to why I thus called in the following day on XX/XX/XXXX and spoke with a customer service rep, who informed me that, due to an overdraft on or about XXXX XXXX, the hold was imposed by their " system. '' Being that I could only remember one other overdraft ever occurring during my XXXX membership, I explained that this was a completely isolated incident and he agreed. He then attempted to override the hold and said that their " system '' would not allow it. I confronted him on this in asking if computers ran the bank or they did before escalating to a gentleman with employee # XXXX. He fed me the same line of bs unfortunately before I asked to escalate this to the top. 

A very uptight and crass XXXX with the CEO 's office finally called me back XX/XX/XXXX and, after having looked into the situation, could not release the {$1000.00} that I rely upon to pay bills out of " fairness to all customers. '' I asked her what my options were other than leaving to another bank and she offered NONE. This is absolutely despicable, especially coming from USAA. I pray they are held to account for this.
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: EQUIFAX, INC. (IL)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this XXXX XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this XXXX - XXXX
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andreu, Palma & Andreu, PL (FL)

On or about XX/XX/, I received a threatening letter from ANDREU , PALMA , LAVIN & SOLIS , PLLC. In the letter they claim to be trying to collect a debt and if not compliant with their demands, such debt would be taken up in court. I then sent a letter back to ANDREU , PALMA , LAVIN & SOLIS , PLLC asking for a list of proofs that so called debt was true. They responded with 30 pages of billing STATEMENTS, this is proof of NOTHING. I then was LEFT paperwork on my front door steps. I immediately returned that paperwork to such sender/senders. I next received notice to appear in court. I am being HARASSED AND THREATENED with no due course. The burden of proof lies with this law firm not me! If said debt is valid then i am entitled to have proof of said debt ( ORIGINAL CONTRACT ). This behavior is dangerous and intimidating and must stop.
Consumer complaint received 2023-12-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE (FL)

On the date of XX/XX/23 I enter into a consumer transaction with Huntington Bank. since then i discovered that the automobile contract miss-represented the transaction as a loan, which violated the Truth In Lending Act. 

The company charged me for interest without providing any benefit. Additional insurance charged were not included in the finance charge as required by the Truth In Lending Act. The act clearly states that the finance charge should include the sum of all charges, including interest, premium or other charges for any insurance protecting the creditor against the obligors default or other credit loss. However, as i look at my contract there is no mention of my insurance being included in the finance charge. Huntington bank failed to include an inform me the insurance cost were part of the finance charge, which must be explained conspicuously and clearly, but it wasn't which violates my federally protected rights. 
I sent a notice of dispute on the date of XX/XX/23 and the received and signed for on the date of XX/XX/23 USPS certified tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 




See attached XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I was notified from my credit monitoring services of a frudlint inquirie on my XXXX credit report, then on XX/XX/XXXX I received XXXX more alerts of frudlint inquiries from XXXX XXXX I also notified them immediately to get them removed from my XXXX credit report, I've reached out to both companies with no luck I would greatly appreciate your help with removing theses frudlint inquiries from my XXXX credit report
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (AL)

i have been requesting a change to my due date to help with not being charged a late fee. I have made this request since XXXX of this XXXXi have received 5 form letters dated, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXXall of these letters say the same thing, reviewing your requst. i live on my ss which is paid on the XXXXXXXX XXXX. of each month.i live in alabama and my payment goes to cal.the current due date is the XXXX of each month and i requested my due date be changed to the XXXX of each month.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

While checking my most recent credit report, I noticed 1 Account that I am unaware of, and believe to be fraudulently made by the following companies : Account : XXXX. XXXX XXXX XXXX XXXX XXXX CLOSED ) /XXXX  XXXX When looking at TransUnion, this company is not reporting to them any longer. Why is this being reported in XXXX? And it was fairly recently that this was reported. This is fraudulent, inaccurate, and a violation of my rights. There has been no contact from XXXX or XXXX XXXX XXXX to collect on this loan. I've contacted XXXX multiple times and they do not have this account. I've contacted XXXX XXXX XXXX and they do not answer either. So I can not verify this account or resolve this. 

I've asked before if XXXX XXXX XXXX can prove that they own this loan since I gave no permission for my personal information to be given to any company. And I've received nothing. 

I have reached out to the US Department of Education and they do not have records of this account, nor do they keep records of private student loans. 

I request that XXXX and TransUnion show how they verified this account. 
Are they verifying this from the guarantor? 
In TransUnion they are not reporting, so how are they reporting here? 
Who is the guarantor of this loan and can they provide proof? 
Why does the report date show XXXX of XXXX  and not the XXXX  date of TransUnion? 

There are several inaccuracies compared to the account under TransUnion. If this account is not being accurately or fairly reported, I request this account be removed as this is a violation of my rights. 

I have attached what is being shown in my credit report. And have sent a letter to XXXX. Page 3 of the attached document shows the inaccuracies of the last report date and that the account is still reporting whereas with TransUnion it is not.
Consumer complaint received 2023-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

I am writing to formally dispute the collection account listed on my credit report ( s ) under your collection agency 's name. The account in question appears as [ XXXX ] and was reported on XX/XX/2023 by XXXX. I have zero knowledge of this account.

Pursuant to the Fair Credit Reporting Act, specifically Section 1681b, I am exercising my right to request validation of this alleged debt. I kindly ask for documentation that proves I am legally responsible for this debt, including but not limited to : 1. A complete account history demonstrating the original creditor 's agreement or contract bearing my signature, affirming my obligation to this debt.

2. Verification of the validity and accuracy of the debt amount claimed.

3. Details on the original creditor, account number, and any pertinent documentation that confirms the legality and ownership of this debt.

Please note that failure to provide the requested validation within 30 days from the receipt of this letter will result in my expectation for the immediate removal of this collection account from all credit reporting agencies in compliance with the FCRA.

I am aware of my rights under the Fair Credit Reporting Act, and I am prepared to take appropriate legal action should this matter not be resolved satisfactorily.
Consumer complaint received 2023-12-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (LA)

Re : Billing Error : Notice of Breach of Fiduciary Duty ; BNYM XXXX XXXX XXXX XXXX Trustee Failure to Perform Obligations Dear CFPB, In accord with the Uniform Commercial Code, and the Indenture Agreement and Third Supplement Indenture Agreement ( s ) sections 104, 105 Trustee, XXXX XXXX XXXX, Representative of BNYM and Trustee of XXXX XXXX XXXX has failed to abide by the terms and agreement under the Securities Act of 1933, the Securities Exchange Act of 1934, and the Trust Indenture Act of 1939 in the management, direction and processing of the certificated securities presented for transfer and payment as directed on XX/XX/XXXX resulting in Billing errors and omissions and Securities Fraud.

This failure has resulted in the following identified the following billing error ( s ) : The billing error includes an incorrect statement balance for the account ; The billing error fails to reflect the balance of account upon receipt as recorded by the Indenture in the firm book leading to dishonor. ( See Attached ) Subsequent Notice ( s ) regarding this failure sent to the Trustee on XX/XX/XXXX, requesting immediate attention and resolution per the terms and conditions as outlined in the SEC, Senior and Supplemental Agreements have failed to receive any appropriate action.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc (CA)

I purchased air ticket to my sister XXXX XXXX airline via PayPal pay later option. Details are following PayPal Loan Agreement date XXXX Loan Account No : XXXX ( Attached your reference ) XXXX XXXX Travel Voucher XXXX Ticket no : XXXX Passenger Name : XXXX XXXX XXXX, XXXX Passport No : XXXX She didnt used XXXX XXXX air ticket and I purchased XXXX XXXX air ticket via PayPal pay later option. 
Details are following : PayPal Loan Agreement XXXX Loan Account No : XXXX ( Attached your reference ) I am keep contacting both parties PayPal and XXXX XXXX requesting my refund I am not get any faire resolutions XX/XX/2023 I called PayPal customer service XXXX ( PCT ) and customer service agent XXXX treated me very unprofessional and I asked her to transfer to manager and XXXX XXXX ( Payment and Dispute XXXX ) also not helping at all. 
I called XXXX XXXX and they asking me to provide PayPal Letter head indicate saying that PayPal didnt issue any refund or charge back. 
Please help me to get refund as soon as possible. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp. (FL)

I was involve in a rollover with the vehicle and was told XXXX that I didn't have collision that I dropped it off my policy ( not true ). I called XXXX finance and asked it they mandate by applying this and they said no. I got no notification from the finance company nor XXXX that I didn't have coverage. How can this happen that me as the consumer is responsible for someone elses eror.
Consumer complaint received 2024-07-02
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. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-02
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. (MI)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file an official complaint with the Consumer Financial Protection Bureau regarding instances of potential identity theft and violations of my rights under the Fair Credit Reporting Act by certain financial institutions and collection agencies. 

In reviewing my most recent consumer report from XXXX, XXXX, and TransUnion I discovered several medical collection accounts that I did not open or authorize : - Account # XXXX, listed as a medical collection for {$2500.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- Account # XXXX, listed as a medical collection for {$1800.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- Account XXXX XXXX listed as a medical collection for {$830.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 



It appears my personal identifying information has been compromised and used without my consent to open these fraudulent accounts. Pursuant to 15 U.S.C. 1681c2 and 1692g, I am requesting these inaccurate accounts be blocked and removed from my consumer reports promptly after receipt of this notice.

I am also invoking my right to dispute these debts under 15 U.S.C. 1681s-2. Opening accounts and debt collections based on identity theft do not constitute a permissible purpose under 15 U.S.C. 1681b.

Please conduct a full investigation and provide debt validation as required by 15 U.S.C. 1692g. I will pursue all legal remedies if validation is not provided and the fraudulent accounts are not promptly deleted. 

Please contact me at XXXX to discuss your findings and planned actions. I appreciate your prompt attention to this serious matter involving potential statutory violations and identity theft. 

Regards,
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (MD)

During my time in the hospital someone had stolen money from my account. Discover bank decided to only credit XXXX dollars and close out the XXXX and XXXX dollars that were also stolen from me. They were not responsive and i have submitted a refile of the dispute 3 times. They allowed someone to take all my money almost in 2 days and now are not providing any info or credits.
Consumer complaint received 2024-07-02
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. (MI)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.