davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (IL)

I looked at my credit report and wasn't familiar with the inquires so I report it to the three credit beurres and haven't received an response. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was alerted that someone applied for a Spirit Airlines card in my name. I have my credit locked down, but called B of A the credit card servicer to make them aware that I did not apply for this card. That it was a fraudulent application. About 2 weeks later, I received another text from BOFA requesting that I release my credit so they can approve the application. I again called back and was told that it has already been cancelled. I asked why then am I getting reports that someone is requesting my credit. Well they informed me that in fact only one application has been submitted. The one that I called to report fraud on. However, they are still asking me to complete the request, when I told them its it fraud. Today, I received a letter in the mail from Free Spirit World Elite MasterCard, serviced by Bank of America. Again the request was to allow my credit release so they can complete the application. This is harassment and causes undue stress and worry that someone is trying to steal my identity. When in fact, they are just trying to get me to take their card. I AM NOT NOW OR IN THE FUTURE, wanting a card from BOFA and would like the harassment to stop!
Consumer complaint received 2024-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

On Friday, XX/XX/XXXX, called Toyota Financial Services to pay off my loan, purchased a used vehicle XX/XX/XXXX. I gave the dealership ( XXXX XXXX XXXX ) my current email address, multiple times on the Loan paperwork. Toyota Financial Services created my new loan under a previous email address ( car purchased in XXXX, payed off in XXXX ) which I no longer have access to, so Im unable to make a payment. On Friday I spoke to XXXX, he was unable to help because it is a customer service issue, then transferred to XXXX, who was unable to help and the issue has been transferred to their IT department, call back in 3 business days, in the meantime Im accruing interest everyday. Loan payoff on Friday was, {$27000.00}. I believe this is an unfair practice and is an internal issue. Please help me get this resolved in a timely manner.
Consumer complaint received 2024-09-05
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. (NY)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX XXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXX with a balance of {$2600.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Pa XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Portfolio Recovery LLC ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Va XXXX ] Re : Debt Validation Request for [ XXXX ] Dear [ Portfolio Recovery LLC ], I am writing to you regarding the above-referenced account that you claim I owe. I request that you provide validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g.

Please provide me with the following information : 1. Verification of Debt : A complete account statement listing all payments I have made on this account.

2. Original Agreement : A copy of the original contract or agreement bearing my signature, which shows that I agreed to pay this debt.

3. Insurance Claims : Information on whether any insurance claim has been filed on this debt, including the dates and amounts of any such claims.

4. Chain of Title : Documentation proving that you have the legal right to collect this debt. This should include a chain of title that demonstrates the ownership history of the debt from the original creditor to your agency.

Please treat this letter as a formal dispute of the debt and a request for validation. Until you provide the information requested above, I will consider the debt to be in dispute and will not make any payments. Additionally, I request that you cease all collection activities, including reporting to credit bureaus, until the debt has been validated. 

I expect your timely response to this request, in writing, sent to my address listed above. According to the FDCPA, you are required to provide this validation within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] Make sure to send this letter via certified mail with a return receipt requested so you have proof of the date they received it.
Consumer complaint received 2024-08-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit hasnt followed federal evidence procedure XXXX in producing original wet signature on original debt instrument that contracts alleged debt. Furthermore with a cease and desist from both me and said entity this debt must be removed from my credit as it pertains to XXXX XXXX Midland Credit Management , Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX ). Any communication about a debt direct or indirect made to a CRA about a disputed debt that hasnt been validated is in direct violation of FDCPA.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunset Management, Inc (GA)

Due to recent discovery from recent credit pulling for legitimate reasoning I have discovered a report of my credit line stating I owe a large amount which is currently incorrect please take all measures and approaches to fix this and please note if this happens notify the person by via email or letter to let the person know you will take these steps as a professional curtesy and respect thanks if not I'm obligated to defend myself under the federal credit reporting act respectively
Consumer complaint received 2024-08-04
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 (IL)

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 XXXX  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 2024-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (NY)

On XXXX XXXX I logged into Ally due to getting an email that my XXXX access has been suspended ( I don't use XXXX ) and found that all my accounts ( checking and savings ) had been closed with zero balances. I had snail mailed 2 paychecks a few days ago for deposit. 


I chatted with XXXX XXXX who said they were closed due to issue with " invalid mailing address '' and they had mailed me a check for the balance in my accounts. This issue with " invalid '' address was resolved weeks ago and I proved my address is valid. And if they think the address is invalid, why did they MAIL me a check to the allegedly invalid address?
Consumer complaint received 2024-08-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (FL)

Hi CFPB Team, I am writing to formally lodge a complaint against Robinhood Financial LLC regarding their abrupt decision to close my brokerage account without providing sufficient documentation or a clear rationale. This unexpected closure has greatly impacted my ability to access and use the funds within my Robinhood account. 

On XX/XX/year>, I received an email from Robinhood informing me that they will no longer support my account and that this decision is final. The email, sent by XXXX, who manages escalations at Robinhood, stated that I should refer to an attached document for further details. However, no such document was attached. 

Here is the content of the email from XXXX at Robinhood : -- - Hi XXXX, Thanks for your patience while I worked to respond to your email. My name is XXXX and I manage escalations here at Robinhood. Your case was forwarded to me for further review. 

We regret to inform you that after careful consideration, Robinhood will no longer support your account. 

Please refer to the attached document for further details. 

We wish you the best in your future investing. 

Please note that this is a final decision. 

Sincerely, XXXX Case ID : XXXX -- - Upon noticing the lack of attachment, I immediately reached out to Robinhood for clarification and requested the missing document. In their response, they apologized for the confusion but maintained that no attachment would be provided and that their decision remains final : -- - Hi XXXX, Thanks for getting back in touch. 

Please refer to the message sent to you on XX/XX/year> regarding this matter. My apologies for the confusion, there will be no attachment in relation to this decision. 

We appreciate you letting us know about your CFPB complaint. Once received, our teams will respond accordingly. 

Please note that this decision remains final. 

We appreciate your understanding. 



Sincerely, XXXX Case ID : XXXX -- - This situation is deeply concerning for several reasons : Lack of Transparency : Robinhood failed to provide any documentation or specific reasons for the account closure. 

Failure to Attach Critical Document : The email indicated there would be an attachment providing details about the decision, which was not included. 

Final Decision Without Recourse : Robinhood 's stance of finality leaves me without any means to understand or contest the decision. 

My Robinhood account has always been well-managed with no issues or violations. The sudden closure happened without warning and for no apparent reason, which has caused significant inconvenience and distress. It has also greatly impacted my ability to access and use the funds within my account.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

Went to the Chase ATM located in XXXX XXXX XXXXXXXX on Saturday XX/XX/year> at approximately XXXX. I had 1 check and {$380.00} cash to deposit. As I instructed the ATM to deposit both I get an error screen and to try again and if the error persist to call a XXXX, I called about 3 times and due to the hour the machine stated the office was closed. The ATM machine prompted that the {$180.00} check was unable to be deposited and would only get {$380.00}. My check was returned but the {$380.00} cash that was inserted to the ATM machine was NOT returned NOR reflected on my bank account. I have a receipt from Chase that states TECHNICAL PROBLEM completing my transaction, I am submitting this claim to get help and get my {$380.00} back that the ATM machine stole.
Consumer complaint received 2024-08-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NM)

I paid my Sephora credit card off in full, closed it out XX/XX/year>, destroyed the card. Sent the full payment by cashier 's check and certified mail. Questioned them about another acct under my name that I never opened. They " alleged '' they would do a full investigation and per my request would close my account ( that I had already closed in XX/XX/year> ). They claimed it would take weeks, 2 days later they sent me a letter telling me my account is closed. Since then I keep getting calls and emails from them telling me my balance is due, now it's past due ....??? What account balance??? I'm tired of there harrassment.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

On XXXX I transferred out {$80000.00} out of my Marcus by Goldman Sachs High Yield Saving account for a down payment/closing costs on a house. On XX/XX/XXXX I realized the funds were not in my bank account and signed onto my Marcus account. I was presented with a notice that said my account was locked and to call to unlock the account. I immediately called and was asked to verify my identity using DOB, Social, secret word. They said they could not identify me by this and needed to send me an Affidavit of Identity to properly identify myself. This would take XXXX business days to receive, XXXX to get back to them and a review period. Obviously this is extremely problematic considering I needed this money to close on our house. We got the affidavit had It properly filled out and notarized and sent It back to them on XX/XX/XXXX. As of XXXX some representatives are saying It has not been received while others are saying they can not disclose if It has been received until after It is reviewed. I have spent countless hours on the phone trying to make this issue right in a timely manner and emailed the XXXX XXXX XXXX. It is XXXX, there has to be a faster way to identify someone than by snail mail. It is extremely unethical to not allow someone to the majority of their own money. We simply do not have the time or means for this issue to drag on any longer.
Consumer complaint received 2024-08-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

I received an Amex Gift Card. I clicked the link from the confirmation email sent by American Express to validate the card, which loads on https : XXXX.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX XXXX XXXXXXXX XXXX ) with a number way less than the face value. And the transaction was declined. I then tried again and got repeatedly rejected. Many people have reported having this problem over past years.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NV)

Chime lied to the CFPB in addressing my previous complaint. They state that they issued my closure check. However as of today XX/XX/year> they continue to state that my account is not eligible for a refund or reenablement. I have provided the documents they continue to request FOUR times. They continue to claim that there were " loads to the account that violate their terms of use '' however the documents provided prove this was a transfer from an account in my name to another account in my name and I was the originator and recipient of these funds. Nothing violates Chimes terms of use. I believe this closure was retaliatory because they failed to protect my account from fraud by issuing a new account number to stop the ACH fraud. They hide behind their terms of use however my account activity didn't violate the terms of use. Their willingness to blatantly lie to a federal agency and the ineptitude of their customer service agents is appalling and should merit some sort of intervention by this agency.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (FL)

Barclays card has continuously been negligent in their investigations in regards to an account that need to be DELETED from all my credit reports. Said account is reporting erroneously and even the address they have associated with the account is not mine.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

The FNB Bank of Pennsylvania charged about {$1500.00} for a total XXXX ACH payments, or about {$13.00} per payment! No fee schedule, no phone call. When we found out, and called the bank, the business banker XXXX XXXX based in XXXX, MD was rude and disrespectful. If the fees indeed are set up this high, the bank must have a courtesy of advising of these fees either in advance or at the time of transactions. The fees must not be discovered by business owners who speak months later. 
The same bank charges around {$0.00} per ACH transaction on other accounts. 
The fees they charged were excessive and represent unfair business practice.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (GA)

SETOYOTA FIN DBA XXXX XXXX XXXX XXXX ), has violated several of my rights. 16 U.S.C 1681 section 602 A. Clearly States that 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act. 
Consumer disputes this account information Collection account
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (CA)

I have already tried to get into contact with XXXX about this debt, they always directed me to Caine & Weiner and when I tried to get on a payment plan, they tried to take the full amount, go figure scummy debt collector tactics. So when I contacted Caine and Weiner about it, I got no reply. Im not paying anyone over the phone, as a victim of Identity Theft myself, why the heck would I pay some random person over the phone, that would be very stupid and very irresponsible. Now XXXX is threatening to sue me, one of their minions called one of my employees phones and gave out private information. I dont know who called, but the Law Offices of blah blah blah is not calling me back to clear this up. I think the voicemail box is for XXXX XXXX and her number is XXXX ( XXXX ) XXXXXXXX XXXX as usual is no help and doesnt seem to respond to CFPB complaints or phone calls. I would like to settle but seems like someone is dragging this out. Who do I talk to about this!?
Consumer complaint received 2024-08-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I mailed a check in XXXX for XXXX prior to the due date. I then received a {$30.00} bill in XXXX for late charges. I called to enquire about the charge. I have no control over the time mail takes. They stated they could " only '' take XXXX off. I agreed to pay the remaining XXXX and closed my account. I feel this was terrible customer service. I have now received a bill in XXXX showing I owe XXXX. I called again to enquire all these new charges. They said I actually owe them XXXX. I see no end to these fees and charges for they told me since I closed my account they do not have the ability to adjust any fees. I asked then how can you keep charging my " closed account ''? I feel this is terrible business practice and I need support. This company received there money in full in XXXX and now they are adding fees and charges for no tangible products.
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

As part of the $ XXXX predatory lending scam which XXXX XXXX head of CITI mortgage did on my mortgage completed XX/XX/year>. {$490000.00} was wire transferred from XXXX XXXX, XXXX, XXXX to CITI bank XXXX in NY. 

This is the wire fraud equity grab that XXXX XXXX did to bankrupt the family with a predatory loan of $ XXXX on a $ XXXX salary. so house was {>= $1,000,000} and XXXX XXXX told my then husband to hand over every cent we had.. $ XXXX .. and he would give him a mortgage for the rest.. approx $ XXXX with closing costs. 

So for reasons unknown immigrant husband agreed. And wire transferred the $ XXXX to XXXX XXXX 's receivers in CITI in XXXX. Wire fraud to complete the transaction known as an EQUITY GRAB This ensured the home would foreclose and XXXX XXXX would pull off the total fraud of {$1.00} XXXX... present value today approx {$4.00} XXXX. 

You can read all about how CITI did this in 'How did they get away with it. white collar crime and the financial meltdown ' by XXXX XXXX XXXX. 

XXXX XXXX needs to make restitution on this massive fraud. 

I do have copies of the actual wire transfers but will not attach them today.