davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Today, I had started a chat after 18 months of attempting to file a complaint against a branch manager at First National Bank, the chat representative began to spam messages over and over stating due to the severity of your issue, please contact XXXX I have contacted this bank for 18 months about a complaint with a very rude and unprofessional branch manager. During this chat, I had asked the rep to please stop spamming messaging over and over, and stated that it was wildly unprofessional of him to do this. His reply back was go ahead and file a complaint against me than, I encourage you to do this and here we are.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

In short, my online savings account with Marcus by Goldman Sachs is locked XXXX times within a XXXX. See details below : 1. First lock - XX/XX/XXXX, XXXX ( XXXX weeks after opening the account ) - Called Marcus. They said they were unable to verify my account since the number on profile doesn't match my name and there is another number tied to my name. I checked with XXXX XXXX XXXX and my number does go under my name. They said someone will reach back to me within XXXX business days. 
- Over the next few days, nobody had reached back. So I called back and they said exactly the same thing. 
- Over a week, I called them and still the same thing. No update at all. 
- Over XXXX days, I called and they said they were unable to verify me and will send me an Affidavit of Identity ( AOI ) form. 
- Over XXXX days, finally received the XXXX form. It's only a piece of paper that I can download on their website. I DID NOT understand why they will need to mail it to me. I spent {$15.00} doing the notery and another {$15.00} to mail it back to them. 
- XXXX days on XX/XX/XXXX : they finally received the AOI form and unlocked my account. I asked for compensation but they refused any. 

XXXX. Second lock - XX/XX/XXXX - My account is locked again within XXXXXXXX XXXX of unlock. I called them and a representative said they are force closing my account and refused to disclose any reason over phone. They also said the fund in my account will be transferred back to my funding account. 
- XX/XX/XXXX : No funds have been transferred back to my account. I called again and the same situation happened as the first lock : they were unable to verify my identity because my phone number doesn't match my name. They guaranteed again someone will contact me within XXXX business days. 

At this point, I don't trust any of their guarantee or promise. I just want to get my funds back and close my account with them. Within the XXXX days since the opening of my savings account, my funds are locked about XXXX days, which caused significant financial crisis to me.
Consumer complaint received 2024-08-07
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)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 seven 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 2024-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I requested the lien release for two accounts that appear on my home title that was fraud. I have been sending police reports and fraud documents for 5 months. Just keep getting the run around between all the debt collection agencies. No one can seem to find the many many emails sent with the police report. 



this has held up my home closing for XXXX months. I offered to pay the debt still no response.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
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. (PA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (IN)

XXXX XXXX ( gym ) emailed me that I was past due on {$290.00}. They provided a link to see an itemized list of what was owed. I copied that list, reviewed my bank statements, and found that I paid those charges. When I submitted the redacted bank statements, XXXX said the past due amount was actually due to membership fees that were past due. I have a copy of what the original itemized statement listed, which they denied. ( I can provide the printed screenshots ). 

When I looked at the past-due membership fees they claimed I owed, they were for months after I canceled in XX/XX/XXXX. You can see that I was not charged for several months, and then, apparently, they resumed charges without my permission and without informing me. 

Then, they sent their claim to ALDOUS & ASSOCIATES. I received notification from them via email and the postal service that I now owed {$400.00} and that I would be reported to a credit agency unless I paid the amount due or submitted a dispute by XX/XX/XXXX. 

I gathered all the redacted bank statements, copies of the original itemized list, and a letter outlining the issue and sent that dispute via USPS on XX/XX/XXXX. USPS stated it was delivered on XX/XX/XXXX, at XXXXXXXX XXXX local time. On XX/XX/XXXX, ALDOUS & ASSOCIATES refused to acknowledge receipt and claimed it could take up to a week before it was received. XXXX week from today is the deadline they gave for the dispute. 

Despite proving to XXXX that I did not owe this money, they continue to insist that I owe a balance of {$290.00}. Similarly, ALDOUS & ASSOCIATES, after receiving my dispute, still claims that I owe {$400.00}. This situation feels deeply unfair. 

After spending hours, which could add up to several work days, dealing with both XXXX and ALDOUS & ASSOCIATES, I am disappointed to find that all they have done is increase the balance they claim I owe. This lack of progress is disheartening.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC. (TX)

To Whom It May Concern, I am writing to file a formal complaint against NET CREDIT regarding their failure to provide proof of debt and their negative reporting on my credit reports. Below are the details of the issue : Background : Alleged Original Creditor : NET CREDIT Alleged Creditor Account Number : XXXX Alleged Balance : {$9400.00} Issue : I sent a formal dispute letter to NET CREDIT, requesting validation of the alleged debt by the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, I have not received any response or proof of debt from them. 

Negative Reporting : NET CREDIT has been reporting this alleged debt negatively on my credit reports, adversely affecting my credit score and financial standing. This negative reporting persists despite the lack of validation and proof of the debt.

Enclosed Documents : For your reference, I have enclosed a copy of the current dispute letter I sent to NET CREDIT, which outlines my request for debt validation and the lack of response from their side.

I request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take appropriate action against NET CREDIT for their non-compliance with debt validation requirements and for reporting unvalidated debt to credit bureaus. I also seek the removal of this unvalidated debt from my credit reports to rectify its negative impact on my credit standing. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely,
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off on my credit report by XXXX XXXX XXXX XXXX The charge-off in question is inaccurately reported and should be deleted. My complaint is supported by relevant case law that highlights the inequitable nature of the continued reporting of this charge-off. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$20000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( a ) : In this case, the court held that it is inequitable to allow a creditor to belatedly enforce an alleged debt after it received a tax benefit from the charge-off. The creditor 's continued reporting of this charge-off, after receiving a tax benefit, is similarly inequitable in my situation. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : The issuance of Form 1099-C after the debt was written off is considered " prima facie evidence '' that the debt has been discharged by the creditor. This creates an issue of fact that should prevent the continued reporting of the charge-off on my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : The court ruled that it would be inequitable to require the defendant to report the discharge of a debt as income on his federal tax return while allowing the plaintiff to continue holding him liable for the debt. Similarly, it is inequitable for [ Creditor 's Name ] to continue reporting this debt as a charge-off on my credit report. 

I have attached my consumer credit report showing the inaccurate charge-off. I trust that the CFPB will investigate this matter thoroughly and take appropriate action to ensure the deletion of this inaccurate charge-off from my credit report. The continued reporting of this charge-off is inequitable and unsupported by relevant case law. 
Thank you for your prompt attention to this matter. Please feel free to contact me if you require any additional information.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (SC)

This has been an absolute nightmare dealing with these people. I first had an attorney represent me with this XXXX months ago on the judgment which was {$XXXX}, XXXX. I then asked my attorney to remove himself to see if they could talk to me and they wouldn't do it. My attorney has been attempting to remove himself for the last month and a half to 2 months so I can talk to him and negotiate a payoff statement. I finally was able to speak to someone and now the amount is up to {$XXXX}, XXXX which includes court costs for judgment that they went to court over a year ago almost 2 years now. I received a notification from the sheriff 's department stating that the dollar amount was {$XXXX} and now it is over {$XXXX} this company is terrible fraudulent and they use scare tactics and abusive nature 's to get your money. They need to be investigated by the government because I know I'm not the only one that's have issues with these people they have a horrible reputation and I can see why. How does a consumer know what the correct amount is that they're trying to pay off and the other thing is a year ago I offered them a {$XXXX} payment and then I would do the rest and payments when the judgment was {$XXXX} and they wouldn't go for it please help this has been nothing but stress for me and I'm trying to recover from XXXX and this is what I've had to deal with and when I did have representation which he did a job that he was supposed to do and they jerked him around as well.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO (PR)

I attempted to pay for a service rendered using by Banco Popular Checking Account XXXX debit card. Banco Popular deducted ( stole ) the {$1400.00} from my account and did not pay the vendor. The vendor likewise has a Banco Popular account. The vendor complained I had not paid his bill after 5 days. I went online to check if the transaction had processed. My online banking states ( and I printed the form ) that the transaction is in processing since XX/XX/XXXX. Today is XX/XX/XXXX. I called the bank. The bank found the transaction and said the funds would be released tomorrow. The bank stole my money and benefited from the use of my money for six days. The bank never attempted to reach me or inform me of a problem or delay. The bank stole my money and has damaged me emotionally as I am embarrassed that a vendor believes I do not pay my bills and may not provide services to me any more. I have been harassed by the vendor to pay a bill that was paid. I am denied the use of my money which had been entrusted to Banco Popular. I have been denied interest earnings on the stolen funds. Banco Popular solely benefited from stealing money from my bank account with them and fraudulently misappropriating the stolen funds for their on personal benefit. The Banco Popular representative named XXXX at the Banco Popular XXXX XXXX XXXX XXXX in XXXX stated that the funds would be released on XX/XX/XXXX. Banco Popular Puerto Rico, needs to have these practices investigated, publicly reported and admonished. Banco Popular needs to contact the vendor and apologize for its misappropriation of funds. Banco Popular should be fined and forced to apologize in writing. Banco Popular needs to pay me the interest I lost.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I HAD CONTACTED CHIME BECAUSE {$2000.00} DOLLARS WAS SENT FROM MY CHIME TO XXXX XXXX  AND I CANT USE XXXX  XXXX  BECAUSE THEY HAD RED FLAGGED ME BECAUSE SOMEONE TRIED USING MY NAME MYLTIPLE TIMES TO CREATE A XXXX  XXXX BUT ANYWAY I HAD CANCELLED MY CHIME DEBIT CARD AND GOT A NEW DEBIT CARD BUT MY OLD CHIME DEBIT CARD STILL WORKS JUST LIKE MY NEW DEBIT CARD WORKS SO HOW IS IT THAT I HAVE 2 DEBIT CHIME CARDS THAT BOTH WORK WHEN THEY WERE SUPPOSE TO CANCEL THE ONE THAT I REPORTED
Consumer complaint received 2024-08-02
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: Collection Bureau of the Hudson Valley, Inc. (NJ)

I have no knowledge of this company. I never signed up with them, never had a wet contract with them, not sure where they receive my information, how they receive my information. This seems like identity theft.
Consumer complaint received 2024-08-02
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: Southwest Credit Systems, L.P. (NJ)

I have no knowledge of this company. I never signed up with them, never had a wet contract with them, not sure where they receive my information, how they receive my information. This seems like identity theft.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IN)

Regarding alleged XXXX XXXXXXXX # XXXX, LexisNexis has violated my federally protected rights under the FCRA 15 U.S.C. 1681b ( a ) ( 2 ) Permissible Purposes of a Consumer Report, which states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I sent LexisNexis a notarized Violation of Permissible Purposes of a Consumer Report, on XX/XX/XXXX, requesting they provide me with copies of any documentation associated with me granting them such written consent to report the alleged information, bearing my signature. In the absence of such documentation bearing my signature, they were to delete the information from my credit file immediately. 

On XX/XX/year>, LexisNexis stated in their Results of Reinvestigation correspondence, that the aforementioned alleged bankruptcy was reviewed and they determined the data being reported as unverifiable. In the same document, they stated the data in question had been removed and their files updated. Despite this determination and statement, they continue to report this unverifiable and false information on my consumer credit file. As such, LexisNexis is also in violation of my federally protected rights under the FCRA, for the XXXX XXXX For Willful Noncompliance, 15 U.S.C. 1681n ( a ) ( 1 ) by continuing to report inaccurate, unverifiable information and is now liable to compensate me {$1000.00} per violation they perform against me. Please see the attached, notarized document informing LexisNexis of their Violation of Permissible Purposes of a Consumer Report, requesting they provide the documentation they have granting them my written consent bearing my signature, as well as the correspondence from LexisNexis confirming they determined the information as unverifiable and that it had been removed.
Consumer complaint received 2024-08-02
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: Paypal Holdings, Inc (NY)

On or about XX/XX/XXXX I opened a case with pay pal regarding a purchase I received. On XX/XX/XXXX they requested more information see Screen Shot XXXX at XXXXXXXX XXXX.png below. On XX/XX/XXXX they requested tracking # see Screen Shot XXXX at XXXXXXXX XXXXpng below. The problem I have is they state case was closed because of improper tracking on XXXX please see Screen Shot XXXX at XXXX XXXXpng. Not true based on the screen shot Screen Shot XXXX at XXXXXXXX XXXXpng Shows derived on on XX/XX/XXXX. Issue I have they claim I was to provide tracking by XX/XX/XXXX. Thats impossible because the post office is closed on Sunday XX/XX/XXXX, Now see Screen Shot XXXX at XXXX Clearly states on their website I have unit XX/XX/year>. Problem I have is now is I have provided all the information as requested. The seller now has the merchandise. Pay-pal will not hold up honor what they have negotiated, and now says I am out {$320.00}. This is fraud unjust enrichment, also is against the law. Can you please help as you are my last resort. This is what the CFPB was designed for to consumer See case number XXXX
Consumer complaint received 2024-07-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (CA)

Hello, i am writing as i have a payday loan and have been making monthly payments and my balance has not change. The payment have gone over 6months and the balance stays the same to which i had to refinance to lower my payments and still no change in balance
Consumer complaint received 2024-07-24
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: Paramount GR Holdings, LLC (OK)

XX/XX/year>. A large loan of {$75000.00} was taken out under my information from this company without my knowledge or consent. 
None of the addresses listed as mine are correct either. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (OH)

I have open accounts in my name that someone took out loans in my name that dropped my Credit Score a lot. 1 of them is called XXXX XXXX XXXX the amount is {$1500.00} date XXXX another XXXXXXXX XXXX XXXX the amount of this is {$3000.00} the date XX/XX/year> next one is XXXX  that amount XXXX {$440.00} date XX/XX/year> I have identity theft on my taxes that Cant No one file these loans I never took out an the on record that I work an I never worked a day in life since a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX really need help disputing these on my Credit reports I been wit my Credit Union for XXXX never step outside of Banking with other banks an taking out XXXX
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The original creditor, Capital One charged off a credit card debt. Then it was sold to a debt collection agency, XXXX XXXX. The file was sent back to the original creditor, capital one. I never received a 1099 C form after the cancellation of debt from Capital One. Now capital one is trying to sue me in court for the same debt that was charged off in XXXX.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IL)

I attempted to dispute XXXX XXXX deposits made via XXXX XXXX because my account was unjustifiably shut down, preventing me from cashing out. Wells Fargo informed me they could not dispute the charges as they were made through XXXX XXXX. This is incorrect since they still retain dispute rights, suggesting a lack of willingness to investigate further. They then proceeded to close my bank account.