davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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. (MO)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NY)

Robinhood - XXXX ID : XXXX " We locked your account because you recently attempted to log into your Robinhood account from a jurisdiction where access is restricted. Please note before we make a phone call we are required to get some documents from you for further verification. '' Robinhood locked access to my funds while I desperately need it ( father needs a big XXXX for XXXX resection and need the money to proceed ). I have contact support but I get automated replies via email, I went to social media and finally got a response to upload documents for verification which I promptly did. After that, they went silent, I'm unable to call them as the number provided doesn't go to an agent, unable to chat with them via the app as my account is locked. No time frame is provided to resolve this issue.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FactorTrust, Inc. (TX)

Company is playing games with me unable to assist me with login to my account unable to send me a copy of my credit report. Said I need to do it in writing but I dont have any stamps and I dont work at all. Unable to do anything
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AR)

My card was stolen and funds were taken from my account. I filed a dispute with Wells Fargo bank and they informed that after 10 days I would be provisionally credited while my claim be investigated. I was credited for 1 of the fraudulent charges made, and on the XXXX day I was denied for the other fraudulent charge made. Both charges were from the same merchant, so I dont understand the rapid decision. I would like this claim to be governed for constructive fraud. I also request documentation used in this investigation, because there should be no way an investigation took place that fast.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

In XX/XX/year> I called the customer support line for Chase to report 6 fraudulent transactions on my checking account from Amazon that all happened within a couple days of eachother. Chase fraud support initiated a investigation and credited my account with the money that was taken out. As of XXXX, XXXX, 3 of the fraudulent transactions have been reposted to my account as " reversed ''. The Chase fraud escalation team said that the reversal will remain due to " amazon providing enough information to conclude you made the purchase. '' I argued that this is how fraud works and stated i did not make these purchases and have not made a purchase on amazon since XXXX  of last year which i did not claim as fraud. The representative stated " no, it's not '' and that " the purchases used your email address so we won't do anything for you '' despite the fact that ALL of the purchases were made at around the same time with the same information. The second of the 3 representatives, the same one I just mentioned accused me of lying and making a false report and stated I would need to prove that I did not make the purchases to have them refunded. I chose to escelate to her supervisor after that statement. Her supervisor ignored everything I said, spoke over me the entire time and claimed fraud is not when someone buys something with stolen information. He restated that they used my email address, thats enough for them and then refused to transfer me to another supervisor or legal team when asked repeatedly. He said they don't have one and then told me the reversal will remain.
Consumer complaint received 2023-10-03
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. (HI)

I am writing this request that I want to dispute specific records in my credit file that do not belong to me and it had erroneous information, particularly in regard to a bankruptcy record, Please erase the false information that keeps harming my credit report. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (VA)

I have tried to resolve my delinquency with Chase since the contract to sell my house fell through over a year ago. Once the contrast on my home fell through in XXXX of XXXX. I was told that because of my change of circumstances, I could apply for mortgage assistance again, and I would be evaluated for a modification so that I could keep my home. I applied and followed the steps exactly as told. My application was denied for a modification in XX/XX/XXXX. However, I was offered a short sale or deed in lieu option. I appealed the denial decision, requesting Chase to take an additional look at revising my mortgage. However, the appeal was denied, and I was told the only option now was to liquidate. I finally came to terms with selling my home again. I obtained a purchase contract on my house on XX/XX/XXXX. However, Chase immediately set a foreclosure sale date for XX/XX/XXXX. I have requested a postponement of the sale date because we will go to settlement on XX/XX/XXXX. I need XXXX more days to complete the sale of my home. I escalated this matter to Chase and was told they would not grant the postponement and gave no reason. I believe I am being taken advantage of and being stripped of my equity. If postponement is granted, I could pay Chase off in full and make a profit. Which I desperately need.

I firmly believe Chase has been misleading, and Chase is not looking out for the customer as they state they claim they are attempting to. I believe I am being discriminated against because of my age as commitments have been made about my age and what I should do with my home. I also believe Chase has violated the law that prevents Dual Tracking. Chase provided me with alternative options other than foreclosure and did not allow me the time to explore those options before setting and attempting to force a foreclosure sale.

Please help me ; I am a minority senior citizen who is being taken advantage of. Please help, me to get my sale date postponed, so I can sell my property and leave with some dignity, please!
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NJ)

I opened a checking account with TD bank on XX/XX/year> but was then sent a letter in the mail saying that in order to fully open the account and be able to actually use it, I would need to go into a physical branch location and present photo ID. Not only is this unnecessary because you could easily have asked for pictures of my ID during the online application, but no where during the application did TD bank say that I was going to be required to go into a physical branch location for any reason. Had i known i was going to be forced to do that, I would have never opened an account with TD bank. The whole point of opening a checking account online is to avoid going to a bank. This practice should not be legal. They said if I did not comply, my account would be closed, which is a threat because you are attempting to force me to comply with something i had no knowledge of beforehand.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

Citibank has the recording where I was told that cashing a promotional check the interest rate is 0 % for 12 months. I reinterated to the citibank associate before cashing the promotional check that it was 0 % interest for 12 months. They assured me it is 0 % for 12 months. Now they say that it is 3.99 % interest for 12 months plus an initial fee of 3.99 %. I get the initial fee of 3.99 % but not the 3.99 % for 12 months on top of that. When I contacted citibank they did listen to the recording and confirmed that their associate did state 0 % for 12 months. But they are not honoring that. Total bait and switch. I filed a complaint with citibank and they said they would investigate and reply within 7 to 14 days. Then I canceled my account and they just said fine and hung up. I have not heard back as to what their investigation found. I wonder how many other people they do this too.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

Portfolio Recovery Associates called me at an absolute number for an unknown person, most likely a debt collection. I informed them that, this was my new number and they were calling the wrong person. I unfortunately also called them from my other number to again inform them to stop calling me. They added that number to their people to harass list and now call both numbers often more than once a day. They will not leave a message or identify why theyre calling or who theyre attempting to contact. I believe that this tactic is widespread and that are likely harassing many, if not thousands of people using obsolete information and phone numbers in violation of the Do Not Call list and legal debt collection practices.

I suspect many do not call list violation complaints are not being completed because the complainant selects debt collection as type of call even though there is no valid for debt collectors to be calling that person or their phone number. This results in the do not call complaint not being placed. 

My previous complaint was terminated because I had used a temporary email address. I have a corrected that. 

They use multiple numbers to call to harass me here is some of them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
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: FIFTH THIRD FINANCIAL CORPORATION (SC)

Dear 5/3 BANK NA, I am writing to address a serious issue concerning the unauthorized reporting of information to my credit report. This violation contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as South Carolina state laws governing credit reporting and identity theft.

It has come to my attention that 5/3 BANK NA has reported information to my credit report without my explicit consent. Federal law, as outlined in the FCRA, requires that any credit reporting activities must be conducted with the consumers explicit permission as per Section 1681b ( a ) ( 2 ).

In addition to federal law, South Carolina state law mandates similar protections. South Carolina Code Section 37-20-80 requires consent from the consumer for credit reporting. Moreover, South Carolina Code Section 16-13-510 addresses identity theft, emphasizing the severity of unauthorized access and misuse of personal information. 

I assert unequivocally that I have not provided consent for 5/3 BANK NA to report any information to my credit report. This lack of authorization constitutes a violation of my rights and has the potential to damage my creditworthiness, disregarding both federal and South Carolina state laws. 

I demand that 5/3 BANK NA immediately cease any further reporting of information to my credit report without obtaining my explicit consent, in compliance with Section 1681b ( a ) ( 2 ) of the FCRA and South Carolina state laws including Sections 37-20-80 and 16-13-510. Failure to address this issue within the next 30 days will be considered willful noncompliance and could result in legal action and penalties under applicable laws. 

Please understand that obtaining consent is not optional but a legal requirement under the FCRA and South Carolina state regulations. This is a formal demand for compliance to ensure that my consumer rights are protected. 

I expect your prompt attention to this matter and anticipate a swift resolution to rectify these violations.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NE)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: SOFI TECHNOLOGIES, INC. (MA)

In XXXX, I requested a check in the amount of the credit I had on my credit card account. After about a month, that check had not been delivered. I then made a new request for the check to a different address. That check has also not been delivered within the timeframe that the company told me it would be delivered. 

I recently contacted the company to see if the amount could be direct deposited to a checking/savings account, and I was told it couldn't.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (CA)

Thursday, XX/XX/XXXX sent XXXX  letter to all XXXX XXXX  and collection agencies and asked them to verify my accounts and show me how they verified the accounts or please remove them, so the XXXX  said they would remove them but never sent me how they verified anything as I asked specifically to send me how they verified the accounts the companys were XXXX  XXXX XXXX {$470.00}, company XXXX XXXX XXXX XXXX XXXX  XXXX $ balance, company XXXX is XXXX  XXXX  XXXX balance, then on XX/XX/XXXX I sent XXXX  letters to XXXX  XXXX and asked for the same thing from the XXXX to delete my information and show me how the verified my information they said they would delete it, it still shows up in all XXXX XXXX  when they said information was deleted, then on Sunday XX/XX/XXXX I sent a XXXX  letter and asked the XXXX  and collection company Jefferson capital systems XXXX remove the account off my XXXX  or verify my information and send me how they verified it, they sent me back that it was verified and never sent me the information On how it was verified the account balance is {$1900.00} and they wont show me how they verified my information they also wont take it off my credit like I asked so all these companies who claimed they deleted the credit from all XXXX  XXXX  never deleted it off my account or showed me how they verified the accounts which I specifically asked for how to get them deleted from the XXXX  and to stop harassing me for accounts that claim they deleted. Last but not least I sent a XXXX  letter to XXXX XXXX XXXX and the XXXX  XXXX  the exact same questions to please delete or verify and show me how they verified my accounts via mail the account balance for this account is {$660.00} and they will not show me any proof of verification nor have they took everything they deleted off the XXXX XXXX XXXX which these companies stated they deleted it off the XXXX  and have not and its hurting my XXXX XXXX, please help me get this problem fixed with these collection companies and all XXXX XXXX XXXX XXXX, XXXX and XXXX including the collection companies that wont comply with what I am asking them for and they continue to not only not take anything they deleted off the record but the other companies who claim I owe them money when I dont. Thank you for helping me I hope to come to a resolution sooner rather then later thank you so much! I am attaching the files I sent to XXXX and the collection agencys just to show you i made contact with them
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (WI)

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) XXXX XXXX XXXX frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding XXXX XXXX. I also immediately contacted credit cards, credit score companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All 11 banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, credit score companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, XXXX XXXX  and his accomplice XXXX XXXX  I ask you to notify these banks as well. As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX Kind Regards
Consumer complaint received 2024-08-08
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: Westlake Services, LLC (FL)

I am writing to file a formal complaint against Westlake Financial for significant violations of my consumer rights, both under federal law and the laws of Florida. My concerns involve several breaches, including : Violation of Federal and State Privacy Laws : Westlake Financial has failed to provide me with an opportunity to opt out before disclosing my personally identifiable financial information to third parties, such as other financial institutions and consumer reporting agencies. This breach contravenes the federal Gramm-Leach-Bliley Act ( GLBA ) and the Florida Information Protection Act of 2014 ( FIPA ). I had explicitly informed Westlake Financial that I did not consent to the sharing of my private information. Nevertheless, Westlake Financial has justified its actions based on its Privacy Policy and Privacy Notice, which appears to misinterpret or misapply the requirements of the GLBA. 

Unauthorized Sharin

g of Information : I have never entered into any agreement, nor have I authorized Westlake Financial to share or transfer my personal information to another financial institution. This unauthorized action raises significant concerns. Failure to Provide Account Information : I have repeatedly requested a complete accounting of my account from Westlake Financial, including detailed documentation signed by an authorized representative. Instead, Westlake Financial has on
ly provided a copy of the Promissory Note. This lack of clarity suggests potential violations of the Truth in Lending Act ( TILA ). 

Violation of the Florida Consumer Collection Practices Act ( FCCPA ) : In my recent notices to Westlake Financial, I specified that all correspondence should be sent to a designated address, with any mail sent to other addresses being deemed inconvenient and an invasion of privacy. Despite this clear instruction, Westlake Financial has continued to send mail to an address I have indicated as inconvenient. 

Identity Theft Allegations : Federal law defines identity theft as " a fraud committed using the identifying information of another person '' ( 15 USC 1681a ( q ) ( 3 ) ). By sharing my financial information without my consent, Westlake Financial is engaging in activities that may constitute identity theft under federal and potentially Florida law, as well as employing extortionate means to collect credit extensions.