davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (WA)

I want to withdraw my funds from my Venmo account. I withdrew from a crypto site, and it was my personal funds that I invested in a application named XXXX. Ive waited over XXXX  days. I understand I was supposed to wait XXXX, but these funds are not fraudulent, they are from my grandparents as a way to pay for our roofing a few months ago. Please help me, theyve been stuck there for a while and Ive been waiting forever.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act 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 XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

Received communication from portfolio recovery company about a debt owed to THE home depot. First i never gave them permission to contact me. That is a direct violation of fdcpa. The account is not valid the card has been charged off. The alleged debt is for XXXX. I have never owed this amount, this is also another violation of the fdcpa. I request that the amount in question be validated with proof under the penalty of perjury by an man or a woman. if debt cant be validated it need to be deleted and no further harassment about the bill. Who is the original creditor of the bill?
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I noticed my payroll deposit had been delayed since XX/XX/29. Since Friday, XX/XX/XXXX, I have been in contact with multiple Wells Fargo representatives, including both the XXXX XXXX customer service line and in-person staff, regarding the hold placed on my account. My account was locked without a clear explanation or prior notification. I was informed that my account would remain locked until I provided proof of citizenship. I provided my passport, driver 's license, and other requested forms on Friday, XX/XX/XXXX. Due to the lack of transparency and the financial impact this situation has had on me, I am requesting the CFPB 's assistance. Thank you for your time and help. Please feel free to contact me at XXXX or at XXXX XXXX
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

On XX/XX/XXXX I opened an account with XXXX. 
On XX/XX/XXXX I made an order for {$500.00} to buy stock XXXX On XX/XX/XXXX, I bought {$500.00} more of XXXX On XX/XX/XXXX I transferred {$500.00}. A portion was used to cover a deficit? 
On XX/XX/XXXX I bought {$500.00} of XXXX On XX/XX/XXXX I ordered to buy {$490.00} XXXX On XX/XX/XXXX Account Temporary hold. I verified my identity. 
I continued checking my investment until XXXX of XXXX when I was not allowed to have access to my account anymore. I tried to contact the company by email, phone but nobody responded. The only way to communicate with them is login into your account. I presented a complaint to BBB and they told me Robinhood never answers the complaints. Around XXXX, I was able to login but my account was in ceros. If I want to contact them I have to invest more money. In addition, I had authorized Robinhood to withdraw money from my bank accounts. During this time I have to report fraudulent transactions to my XXXX XXXX and XXXX XXXX XXXXXXXX accounts. I also mailed a letter to the office address I found on the internet. No answer.
Consumer complaint received 2024-11-09
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America issued an unemployment debit card to me during XXXX with no security or protection added to the card. Therefore I was a victim of fraud. This was noticed by me in XXXX and shared with the bank. They denied responsibility! Because the bank did XXXX about this problem the fraud continued. I began to reach out to the various companies, stores etc and was able to get more than half of my funds back while the bank kept denying the claims. XXXX my computer was hacked, bank accounts were entered, emails were sent by the hacker posing as me. A police report was filed, an FTC report filed and a XXXX filed all paperwork sent to Bank of America in XXXX. It took the bank until XXXX of XXXX to reach out to me and once again deny claims that were filed with them and the police. Bank of America had plenty of opportunities to retrieve from various places of business video and photos which they failed to retrieve.In XXXX my police report the FTC affidavit and the XXXX is nowhere to be found in Bank of Americas files. But what was found and sent to me via the bank was a long list of double and triple transactions that have yet to be explained to me and magically have been changed in the banks system just two days after the email was sent to me showing this issue. New claims for old transactions were opened by the bank in XXXX without my knowledge or my permission. The bank did this on their own. Upon being sent a box of paperwork by the bank it was clear my account had been cleaned up by someone inside the bank! My original fraudulent claim amount was a on or around XXXX I have gotten back all but XXXX. The bank does not show the credit for this nor do they have the correct calculations. Something that nobody can explain to me. I did my du diligence and filed a claim when there was fraud the bank could careless and continued to deny and or ignore my pleas for help! They cant explain and or just refuse to tell me how the double and triple transactions per restaurant, store have happened instead they cleaned it up! 
I am owed XXXX for fraud and the bank refuses to pay even though their policy states differently. It also appears anyone having anything to do with this at the start and moving through XXXX are no longer an employee of the bank.
Consumer complaint received 2024-08-12
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. (NJ)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (NJ)

Someone scammed my cash app card for XXXX XXXX XXXX XXXXXX/XX/year> I do not know what the company is or where it came from I did not give this company my card number or services it says its an international charge they tried charging my card several times until they were able to get the last I had left. The company is listed under XXXXXXXX XXXX something I have never heard of before
Consumer complaint received 2024-08-12
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. (OH)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-12
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC (SC)

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and XXXX ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, XXXX, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option. 

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate.

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX AND DEPT OF EDUCATION/XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (FL)

Reason : Flood Insurance In early XXXX I received a letter from Round Point, stating " Due to flood map revision issued by FEMA '', my property was now required to carry flood insurance. This letter was dated XX/XX/year>. The letter also stated the following " If proper evidence of acceptable flood insurance is not received within 45 days OF THE DATE OF THIS NOTICE, we ( RP ) will purchase coverage at your expense effective XX/XX/year>. First issue, letter was dated and sent to me after I could fufill my obligation to RP/FEMA as the home owner, BUT the letter did read 45 days of the date of this letter. I was then notified by letter dated XX/XX/year> that RP had not received the insurance information perviously requested and they ( RP ) had purchased a flood policy for me. When I called I was bounced better XXXX departments ( XXXX people ), which ultimately spoke to a women by the name of XXXX ( supervisor ). I emailed her the fax confirmation and policy that I had purchased, which they said they never received, but she did verify the number on the fax submittal was correct ( second issue ). This policy was bound ( XX/XX/year> ) within 31 days of the 45 day window. She then explained I was responsible for LAPSED coverage from XX/XX/XXXX - XX/XX/XXXX based on a rate of a policy RP put in place for {$3600.00} annually. Average policy for my dwelling is $ XXXX {$600.00}. The estimate lapsed coverage was going to cost {$400.00}... This is price gouging and simply not living to their initial communication. This is unacceptable that I am being held accountable for a mishandled, miscommunicated issue by Roundpoint ( third issue )! I clearly fell within the guide lines of Roundpoints initial communication. Lastly, Roundpoint needs to provide FULL transparency and provide the FEMA communication to them! Please call or email for additional supporting documents.
Consumer complaint received 2023-09-14
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I am not liable for this debt with XXXXXXXX XXXX nor I do not have a contract with I.C. System to pay for any debt they claim I owe. 
Previously, another debt collector named XXXX XXXX XXXX harassed me by sending me multiple emails trying to tell me that I possess a debt that I know I don't own or associate with. On XX/XX/2024, I filed a complaint with the XXXX XXXX XXXX and a dispute with XXXX saying the same things I'm saying to you, " that I don't have any debts connected to XXXX XXXX or any they mention. '' Fortunately, I was able to win my case and the collection was removed from my credit report and my credit score increased significantly right after. However, through some means Im not aware of, I.C. System is now trying to collect on the same debt I didnt owe in the first place and was able to fight to have it removed. Im here for this reason.
Consumer complaint received 2024-11-07
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year>, i went to a Wells Fargo branch in XXXX ( XXXX XXXX XXXX XXXX ) ( XXXX ). I went in to obtain a cashier 's check for {$6900.00}. The total deposited out of my savings account was {$7400.00} because I took out another XXXX money orders for smaller amounts. XXXX was the branch agent that assisted me with the transaction and she knows all the details of what happened. I went back the next day on XX/XX/XXXX to cancel the cashier 's check of {$6900.00} at another branch in XXXX. They told me for some reason they couldn't cancel it because it wasn't coming up in their system and I couldn't get my money back. That same day, I went back to the XXXX XXXX XXXX XXXX branch where I originally got the cashier 's check to resolve this issue. XXXX confirmed that there was a glitch in the system when she created cashier 's check and that is probably why the system didn't capture the transaction, even though they took the money out of my account. They called customer service at Wells Fargo and they said they created a case with my situation and that everything should be resolved by Tuesday/Wednesday of this week. 

I called Wells Fargo customer service on Tuesday, XX/XX/XXXX and they had no idea what was going on. I called the branch multiple times every day this week and no one has gotten back to me with updates. This company is stealing my money and I want it back.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc. (MN)

I saw that cashapp recently opened a savings account I did not consent to opening. The transaction to open the account said {$25.00} from my XXXX account card was put into the new savings account XXXX XXXX XXXX XXXX XXXX This is not possible because the savings account wasn't open at that time ( a Year ago! ). I recently used XXXX through my bank for the first time less than a Month ago
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (FL)

Discover stated they issued a XXXX form and still trying to collect money for {$3500.00}. 

Discover stated they issue the XXXX on XX/XX/XXXX, XXXX if I got to report the income on my taxes why do I need to pay discover? 

Was the balance cancel? 

if so, updated credit report to {$0.00} when will I get the XXXX form? if so upload here?