davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

I am writing to formally notify you of serious violations concerning the furnishing of consumer data that has come to my attention. As a secondary consumer reporting agency, you are required to adhere strictly to federal and state laws governing consumer credit and reporting practices. Your recent actions have violated these laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and relevant case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the FDCPA, any consumer reporting agency must refrain from disclosing information to third parties without proper consent, especially when such information is inaccurate or unverifiable. In this instance, your agency has furnished data that does not comply with these legal standards. 

Furthermore, the case of XXXX XXXX XXXX XXXX XXXX illustrates the consequences of failing to uphold these standards, highlighting the judicial recognition of consumers ' rights to accurate credit reporting. Your actions not only contravene established case law but also expose you to significant legal liabilities. 

According to the FDCPA, consumers may seek damages for violations, including statutory damages of up to {$1000.00}, along with actual damages, attorney fees, and court costs. The associated costs and potential liabilities from these violations can be substantial and detrimental to your agency 's reputation. 

Therefore, I hereby demand that you immediately cease all forms of communications regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (VA)

Newrez LLC XXXX XXXX XXXX  XXXX says that my property is in default of foreclosure. The company only sent out literature no billing statements. Now they sent a packet of papers to fill out. As of XX/XX/year> that was my first contact via e-mail. Now on XX/XX/year> they saying I owe {$2500.00} on the mortgage which was 30XXXX  years old.
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (FL)

I created an account with Robinhood, I made a deposit that I intended to purchase XXXX currency with. The deposit was successfully processed on Monday XX/XX/year> and the crypto purchased the same day, when I tried to transfer the currency I received a message that my account is restricted. Granted this is a new account, all my information was accurate and the deposit was from an account in my name. I have been trying to receive a response since XX/XX/year> on how to access it withdraw my {$800.00}. I have called multiple times and emailed repeatedly and been given no information as to why this happened or how to get my money. They have closed my account and still will not allow me to add my bank or debit card to withdraw my money or given me any information on to how to receive it. At this point I would just like my money returned.
Consumer complaint received 2024-08-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

The initial payments to be taken out for my credit line was XXXX twice a month. Now they are charging XXXX dollars a day in interest on top of what i owe and charging XXXX every two weeks to pay it back. My loan has almost double in s couple of months
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MIDFIRST BANK (AZ)

On XX/XX/year>, XXXX ( Bank ) received an XXXX electronic debit transfer from the beneficiary in the amount of {$2500.00} from checking account ending in XXXX. The bank 's system of records details that this XXXX was initially funded as the available balance on Banks system of records as of XX/XX/XXXX at the end of business day for checking account ending in XXXX was confirmed as {$3800.00}. No other debit superseded this XXXX transfer at the time of request. The bank 's system of records will prove that when the XXXX transaction was posted, the bank initiated the payment of the XXXX, leaving a credit balance of {$1300.00} available for subsequent transactions. 

The bank 's system of records also shows that a debit posting after the funded ACH on the checking account ending in XXXX  for an unauthorized advice of charge in the amount of {$3800.00} was paid by the bank reversing the previously funded XXXX debit of {$2500.00}. The bank deliberately reversed the XXXX electronic payment, bouncing that electric debit after it had clearly funded and instead funded an unauthorized advice of charge in the amount {$3800.00}, bringing this account to {$0.00}. 

The Banks resequencing actions immediately started an onslaught of excessive NSF ( Non-Sufficient Funds ) fees to the account holder. The beneficiary whose ACH withdrawal was funded and then reversed has started collection and reports to Credit Bureaus ( FCRA ). The bank is also pursuing collections against account holder for NSF ( Non-Sufficient Funds ) fees for transactions it aborted. Account holders credit report has been negatively impacted due to these actions. The Bank XXXX XXXX of XXXX, AZ was contacted on XX/XX/XXXX and XXXX to equitably resolve this matter. Their answer was, " no. '' As we speak, NSF fees continue to accumulate, collections initiated and the account hold violated. 

The bank 's actions in resequencing transactions and charging multiple overdraft fees constitute a breach of the terms and conditions governing the bank account. 

The bank 's practice of resequencing transactions to maximize overdraft fees is an unfair and deceptive act in violation of XXXX XXXX Statutes. 

The bank owed the account holder a duty of care to handle transactions in a fair and reasonable manner. In it's negligence to do so, the bank breached this duty by resequencing transactions and causing account holder to incur significant overdraft fees The bank violated the Electronic Fund Transfer Act ( XXXX ) by improperly handling account holders ACH transaction, prioritizing unauthorized affiliate charges in a manner that favored the bank and then charged excessive fees.
Consumer complaint received 2024-07-10
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. (PA)

TO WHOM THIS MAY CONCERN, MY NAME IS XXXX XXXX  AND I AM WRITING THIS STATEMENT ON MY BEHALF. PER 15 US CODE 1681S2(A)(1) (A(&C) AND `5 US CODE 1681-B OF THE FEDERAL CREDIT REPORTING ACT (FCRA) THE ACCOUNTS LISTED IN THIS REPORT SHOULD NOT
BE REFLECTING ON MY CREDIT REPORTS AS THEY VIOLATE MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. PER THE FCRA LAWS
PROVIDED, THEY SUMMARIZE THAT IT IS NON-PERMISSIBLE FOR A CONSUMER TO REPORT ANYTHING UNDER ANY CIRCUMSTANCES,
WITHOUT MY WRITTEN CONSENT OR INSTRUCTION TO DO SO. NO CONSENT CONSTITUTES AS IDENTITY THEFT. AS A FEDERALLY PROTECTED
CONSUMER, I AM DEMANDING THE REMOVAL AND DELETION OF ALL THE LISTED ACCOUNTS IMMEDIATELY.
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (MO)

On XX/XX/year>, I received an email from Robinhood stating that a bitcoin transfer was on its way. This transfer was unauthorized. I immediately contacted Robinhood through their app and spoke with a representative who assured me that restrictions would be placed on my account to prevent further unauthorized withdrawals. Despite these assurances, {$5000.00} worth of bitcoin is still missing from my account. 

Since the incident, I have repeatedly contacted Robinhood, including daily calls and emails, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To date, I have not received any concrete answers or solutions, and no proactive communication has been made by Robinhood to resolve the issue. I have had to initiate all contact, repeatedly answering the same questions. Initially, Robinhood requested documentation, which I provided immediately, followed by further questions for their review team. 

On XX/XX/year>, I received an email from Robinhood concluding their investigation. They stated that I had fallen victim to a scam and, therefore, they would not restore any losses of assets. Additionally, Robinhood restricted access to certain features of my account, including crypto transfers and Peer to Peer services. This decision was made without adequate explanation or evidence provided to support their conclusion, leaving me without recourse for the unauthorized transaction. 

As a doctor with a busy schedule, I have taken significant time to address this issue. I invested my money through Robinhood because I trusted their platform, but this experience has severely shaken my confidence. The lack of a secure platform and adequate customer service response has been concerning.

Robinhood 's handling of this matter may involve breaches of several regulations, including the Electronic Funds Transfer Act ( EFTA ), Regulation E, FINRA rules, and the Gramm-Leach-Bliley Act ( GLBA ). Despite these legal obligations, Robinhood has not resolved the unauthorized transaction issue or provided a clear timeline for returning the missing funds.

I seek CFPB 's assistance to ensure that Robinhood complies with their legal and regulatory obligations, resolves this matter promptly, and prevents future occurrences. The resolution should include a full return of the {$5000.00} worth of bitcoin and a comprehensive review of Robinhood 's security and customer service protocols.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION (FL)

Date : XX/XX/year> Amount : XXXX Complaint : A Charged Off account is a certificate of certificate of indebtedness which means it is income and must be removed from credit report. 

No steps were taken by the company to remedy the reporting to the consumer reporting agencies.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I spoke with multiple people at chase bank inquiring about releasing a check from my tax return. They are holding my tax return for 8 days. Despite there policy of next day availability for treasury checks. XXXX the supervisor told me my account was to new and the treasury funds were not released to the check so there is no funding for the check. Based off of there availability policy. The check Could be put on hold if my account is 30 days or less open. ( which my account has been open for 90 days ). 
I have never had an issue with holding my tax return for 8+ days. 

XXXX told me he will exercise his right to hold my check the amounted time and will Not do anything to release it earlier. He told me since I was being technical with their own availability policys. I feel like I am being retaliated against since XXXX  is not upholding on his end of the policys for chase bank. Chase bank has had the original copy of my tax return since XX/XX/year> and refuse to release the funds until XXXX XXXX. I requested to get original copy of my tax return XX/XX/XXXX and they refused and sent me a legal copy that I can only cash at chase bank, but still hold onto funds.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jacob Law Group, PLLC (MS)

On or around XX/XX/year> a summons with attached complaints which was filed within the County Court, XXXX XXXX, Mississippi by Jacob Law PLLC in reference to their principal XXXX XXXX XXXX. XXXX XXXX has a business model of purchasing portfolios of debt for a significant reduction of the face value of said debt. XXXX has operated in this type operations over the years with multiple other entities and most with some tether of ownership, or operational structure with XXXX. 

The Fair Debt Collection Practices Act ( " FDCPA ''. ) 15 U.S.C. 1692 et. seq., provides protections for consumers, and also requires strict adherence to the sections of the statute by companies whose business nature involves collections of debt. Both XXXX XXXX, XXXX, and Jacob Law Firm, PLLC meat that definition and as such are required to operate within the four corners of the statute. 

There was never a demand notice as required in section 809 of the FDCPA sent to my home address by either XXXX XXXX, nor its collection agent, Jacob Law, the first notice of their purported ownership, and collection activities therein was their lawsuit filed against me. 

These actions can be construed as violations of the FDCPA, and using the courts without following the directions of the statute seems to be a pattern in which both the purported principal and its agent have run afoul with the courts and this governing body in the past.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN HONDA FINANCE CORP (CA)

When i paid off my loan with Honda, I was told there was a balance left for taxes and fees in which i paid off in full XX/XX/2019. Then recently i get an updated credit report and they put a 30 late on my credit file for the month of XXXX.
Consumer complaint received 2024-07-13
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. (CA)

TransUnion Credit is reporting incorrect information that doe not belong to me. Upon reviewing my Transunion report I have found several inaccurate accounts that do not belong to me, and an unknown name that is not mine. I demand the accounts to be removed immediatley as the name and accounts are not mine. I have attached a copy of my ID, proof of My address, and Social security. I have been a victim of Identity theft due to XXXX data breach as well. None of the names match to my ID. Please remove the accounts as you are made it hard for me to obtain credit for me to live. 

I am also opting out of any assumed authorization I may have given you verbally, non verbally, written, non written to share my non public information. 

Please remove the following accounts as they are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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. (PA)

recently I look at a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate. 
XXXX  XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-10-06
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. (GA)

Here is what happened. 

On XX/XX/year>, I sent a letters to Experian, XXXX and XXXX about mistakes to my credit report. 

Here are the issues : wrong names and wrong addresses that are not mine. I also sent a follow up letter with no responses on XX/XX/year> Wrong Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are not my addresses : XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX Inquiries, no signed paperwork and no idea where it came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  That's all. 

XXXX XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I disagree with the account listed below which still appears on my credit report even after your investigation I would like this item immediately reinvestigated the accuracies are highly injurious to my credit score ( 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 verify the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

recently I look at a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit.it is my understanding that will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

Per your response to my CFPB complaint you stated " the use of your social security number does not guarantee the application will be approved '' very contradicting, so what other factors are there to get my approval. 

12 CFR1002 Application means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested. The term application does not include the use of an account or line of credit to obtain an amount of credit that is within a previously established credit limit. A completed application means an application in connection with which a creditor has received all the information that the creditor regularly obtains and considers in evaluating applications for the amount and type of credit requested ( including, but not limited to, credit reports, any additional information requested from the applicant, and any approvals or reports by governmental agencies or other persons that are necessary to guarantee, insure, or provide security for the credit or collateral ). The creditor shall exercise reasonable diligence in obtaining such information You also stated " please note we do not gain any monetary value from your application submission as stated in your complaint '' but according to your SEC FILLINGS & the diagram I have attached to this complaint shows how " RECIEVABLES '' AKA APPLICATION are SECURITIZED & turns into to VALUE on page 11 per this link here " https : //www.sec.gov/XXXX Also I noticed how my reference number attached to my denial letter & response letter # XXXX has USD at then end. Would that happen to be my XXXX # or is that how much my application is worth. This complaint also will be published for the world to see. 

regards
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (PA)

I have a credit card opened with Chase Bank. Around XXXX on XXXX, I received two emails from chase saying I they had received a replacement card request and it will be delivered within XXXX business days. However, I did not make this request. So, I called Chase on XXXX and they verified my ID over the phone. Chase told me someone impersonated me over the phone and was able to access my account and add an authorized user in my sisters name. Again, I did not do this. Chase was able to cancel the fraudulent replacement card and send me a new replacement card. Also, they were able to tell me where the address of the fraud replacement card was being sent to.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations