davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

My check was washed and cashed by a thief in XXXX. I didn't learn about the fraud until XXXX. Wells Fargo won't honor my claim because I didn't file it before I knew I was a victim. They also say I'm at fault for not reviewing my bank statement, even though the bank statement doesn't include the name of the payee.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

A Citibank Fraud Agent, XXXX XXXX, called on XX/XX/year> to ask if I had made a {$1700.00} wire transfer to XXXX XXXX XXXX XXXX transfer to a XXXX XXXX in XXXX XXXX & a transfer of {$3000.00} from my savings to my checking account, to cover these Wire & XXXX Transfers. I advised I had not, that I live in XXXX XXXX XXXX & have never met or heard of XXXX XXXX. I was given a case #, told my account would be blocked & that I'd be hearing from another Fraud Agent shortly. I then spoke to a Wire Transfer Fraud Agent, & I had to explain everything that happened & gave her the name of the original agent who called me & the case #. She advised she was closing my account, because the original agent had not blocked it, which is highly concerning. I was advised to go to the bank & open up a completely new account. She repeatedly asked if I knew XXXX XXXX & at one point asked If I was the fraudster & then laughed. She then gave me another case # for the Wire Fraud. She then transferred me to a XXXX Fraud Agent, where I had to again repeat the whole story, even though she had put me on hold for 10 minutes to tell the XXXX agent my fraudulent charges. I was given yet another case/dispute number & told I would be hearing from another agent in about 10 days, after they investigated. I have never heard from another Citibank Agent ; I've called 3 times to ask about my case & I've been told they don't have any information, that it's still under investigation. It's impossible to get a Citibank Agent on the phone, I'm transferred from one person to another & no one can seem to help me. I then did some research & found an email contact to escalate my complaint. They did email back right away & asked for more information, which I had already provided. They then replied & asked for my email, which they obviously have because they emailed me back. On XXXX, they once again asked for the same information, which I have already provided. I am getting absolutely no where.
Consumer complaint received 2024-07-31
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: Self Financial Inc. (DE)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above.

Thank you for your immediate attention.
Consumer complaint received 2024-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABSOLUTE CREDIT  LLC (PA)

XX/XX/year> To Whom It May Concern at Absolute Credit, I am writing to formally request the immediate removal of a collection account that has been reported on my credit report. As of today, I have not received any documentation from Absolute Credit notifying me of the addition of this collection account to my credit report. 

Furthermore, I am aware of the legal precedent set forth in the case of XXXX XXXX XXXX XXXX XXXX, which establishes the importance of proper investigation and notification practices under the Fair Credit Reporting Act ( FCRA ). By failing to provide me with proper documentation and notification, you are in violation of multiple FCRA practices. 

I am requesting that Absolute Credit remove this collection account from my credit report within 10 days of receipt of this notice as well as {$3000.00} for the financial and emotional destress that this matter has caused. Failure to do so will result in me pursuing legal action, including filing a claim in small claims court for every violation which exceeds three as this has been dragged out over 6 months. Please be advised that any legal proceedings will incur additional expenses that far exceed the value of the alleged {$400.00} collection. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was established that a billing statement alone is not considered sufficient evidence of a debt. Additionally, a collection published on a consumer report is deemed to be a form of communication so that should be motivation enough to remove this account. 

Additionally, I am notifying you that I will be filing a formal complaint with the Federal Trade Commission ( FTC ) to ensure that all actions taken by Absolute Credit are in strict compliance with the law. I expect your prompt attention to this matter and request confirmation of the removal of the collection account once it has been processed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

Back in XX/XX/year>2024 I transfered crypto to my crypto wallet. Once in my wallet I attempted to transfer those funds to my bank account but to no avail. Contacted XXXX XXXX for assistance but they keep giving me the run around requiring to provided them with information about myself which I submitted many times. Just yesterday I submitted a video of myself as they requested that info for verification. It's been 2 months and still no satisfaction. I do know that someone had hacked into my account but no monies were removed. Not sure how that happen and once I noticed that taking place I locked the account. I was able to reopen the account and copies the info of the person impersonating me and submitted that info as well to Crypto. But they continue to drag their feet. Don't know what else to do.
Consumer complaint received 2024-08-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (IN)

On or about XX/XX/XXXX. I paid off my XXXX XXXX XXXX XXXX. I overpaid by one monthly payment and a couple days of interest. Rather than send me a check for this overpayment Chrysler Capital refunded this overpayment via 2 debit cards. One in the amount of {$370.00} and a 2nd in the amount of {$24.00}. I put these cards in my wallet and forgot about them and they had expired XX/XX/XXXX. 
On or about XX/XX/XXXX, I called Chrysler Capital to request that they replace these cards and they agreed. I received the new cards and they are now debit cards in the amount of {$120.00} and {$24.00}. With the explanation on the reduction being it is a service charge. 

I do not think that Chrysler Capital has the right to retain my overpayment for a service charge. What service did they provide me? I overpaid my car loan, never asked for a debit card, would have preferred a check and then I simply asked for a new card that was not expired.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I do not have an account with First National Bank of Omaha ( FNBO ). Since XXXX XXXX XXXX, I have received emails from XXXX addressed to another individual with a similar name, specifying a " FNBO Visa Card '' and last 4 digits of the account number. The email states that the account is past due and shows the amount due. 

I am not the cardholder. I have never had an account with FNBO. I called FNBO on XX/XX/XXXX at at XXXX and attempted to clarify this with the Fraud team. The person I spoke to assured me that the email was fraudulent. I pointed out that it used their real number, and the email envelope information comes from a FNBO domain. I forwarded the email to XXXX at their request. 

The individuals I spoke to on the call were unable to locate the account for this individual and assured me this was not a real email. However, the emails continue : XX/XX/XXXX : email received stating missed payment XX/XX/XXXX : email received stating account is past due. I replied to this XX/XX/XXXX : XXXX XXXX emailed me and asked me to call XXXX to discuss a XXXX XXXX Account. 
XX/XX/XXXX : email received stating " YOUR ACCOUNT IS 2 PAYMENTS PAST DUE ''. I forwarded this email to XXXX XX/XX/XXXX : email received stating " Action is needed regarding payment '' XX/XX/XXXX : email received stating " You can stop this from getting worse '' XX/XX/XXXX : email received stating " ACT NOW, GET BACK ON TRACK '' XX/XX/XXXX : email received stating " YOUR ACCOUNT IS 2 PAYMENTS PAST DUE '' I know their emails are violating regulations and they have dismissed my attempts to notify them of the problem. I have worked in the financial services industry for my entire career and I know the internal controls at FNBO have failed here. Please engage them to correct this issue.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 months that are reported late 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 XXXX 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 2024-08-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CashRepublic Holdings, Inc. (SC)

I am writing to express my deep frustration and concern regarding a recent issue with my account at Omni Financial. I have been a loyal customer for over 12 years, consistently enrolling in auto pay for all my previous loans. However, my most recent loan has been plagued with issues surrounding the auto pay feature, despite my repeated efforts to ensure its activation. 

From the onset, the first payment failed to be auto-drafted, which led me to pay it manually. I promptly called Omni Financial to confirm that auto pay would be effective for subsequent payments. Despite my diligence and repeated assurances from their representatives that auto pay was active, the payments continued to fail to auto-draft. This occurred over several months, culminating in a missed payment that I was only made aware of when Omni Financial notified me. 

I was shocked and dismayed to learn that despite my proactive steps to ensure timely payments, I had been marked for a missed payment. Each time I called to confirm auto pay, I was assured by their representatives that it was active. I believe I acted in good faith, making every effort to maintain my impeccable payment history. 

The repercussions of this missed payment have been devastating. My credit score has suffered significantly, tarnishing a credit reputation I have painstakingly built over the past six years. My ability to achieve critical life goalspurchasing a home, starting a business, and other ventures dependent on good credithas been severely compromised. This singular error by Omni Financial has dramatically undermined my financial stability and future prospects. 

Given my long-standing relationship with Omni Financial and my consistent history of timely payments, I respectfully request that you rectify this situation by removing the missed payment from my credit report. I believe it is unjust for me to bear such a significant penalty for an error that was beyond my control, despite my best efforts to ensure compliance.
Consumer complaint received 2024-07-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MN)

Original owner of debt was XXXX XXXX. This debt was settled on XX/XX/XXXX with XXXX XXXX a collector who accepted the settlement agreement and I honored it by paying {$740.00} to satisfy the account. I then received a notice from XXXX XXXX XXXX in XX/XX/XXXX where they tried to collect on the {$490.00} even though this amount can no longer be collected on. I provided them my proof of settlement and they removed the collections account from my credit report. It appears Transworld Systems Inc bought this settled debt is trying to collect on it again. I provided the proof of settlement and they refuse to remove from my credit report.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (DC)

American Express Account Date : XX/XX/2020 The American Express account was opened with my name not as an account holder, but as an authorized user. I had no acknowledgment my name was used to open the account. The account is still active today. I found the information on my XXXX report almost XXXX months ago. I had a dispute last month. As of today with XXXX, I have open a fraudulent investigation to resolve this matter. I would like to have the information removed.
Consumer complaint received 2024-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc. (MT)

I have contacted XXXX on several occasions to be released from cosigner on school loans. The payments for 48 months have been made in full, by my niece, the borrower. We were told when these loans where transferred from XXXX XXXX, to XXXX over 2 years ago, that We would have to pay 2 more years before the cosigner would be released. My niece has made all those payments in full. We have contacted them on several occasions again, and have been told the paperwork would only be sent to us if we qualified. Not what they said before! They are not helpful and the customer service is poor! Do not use this company!!!!
Consumer complaint received 2024-08-04
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: JPMORGAN CHASE & CO. (MS)

Credit fraud- Someone tried to open a credit card with JPMCB Card Services on XX/XX/2024. I did not authorize this attempt and it was not me. It is placed as a hard inquiry on my credit report.
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

On XX/XX/year> i sent a small amount ( XXXXXXXX XXXX ) as a test transaction to my wallet. After a successful transaction i tried to send more but was locked out for " security '' reasons. They said i had to verify my identity which i did. They said i couldn't make any other transfers until XX/XX/year> for " security '' reasons. Now on XX/XX/year> when i tried to transfer MY crypto i am blocked for " security '' reasons. Had to re-verify my identity and am now blocked from transfers until XX/XX/year>. I'm willing to bet that on XX/XX/year> it will be a repeat of latest " security '' block.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DRB-40, LLC (FL)

I am writing to formally request validation of the debt referenced in your recent communication. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide the following information : 1. Proof of the Debt : Detailed records that substantiate the debt. Please note that statements alone are not sufficient evidence of a debt. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements are not considered adequate proof. 
2. Proof of Ownership : Documentation that you have the legal right to collect this debt, including any assignment or transfer of the debt from the original creditor. 
3. Original Creditor Information : The name and address of the original creditor, as well as any documentation showing the original amount of the debt and any payments made after the initial amount. 
4. Agreement with Signature : A copy of any agreement bearing my signature that indicates I agreed to the debt, the amount owed, and the terms under which the debt was incurred. 

Additionally, this letter serves as a formal cease and desist notice. I request that you cease all communication with me regarding this debt, effective immediately. This includes, but is not limited to, phone calls, letters, emails, and any other form of direct or indirect contact. For clarification, this cease and desist order also extends to any reporting of this debt to consumer reporting agencies. You are required to delete any information related to this debt from my consumer reports. 

Failure to comply with this request will leave me no choice but to pursue legal action for harassment and abuse under the FDCPA. Below is an itemized list of potential costs that Diversified Recovery Bureau may incur if this matter proceeds to litigation : - **Filing Fees** : {$400.00} - **Service of Process** : {$150.00} - **Attorney Fees** : {$350.00} per hour ( estimated 20 hours ) = {$7000.00} - **Court Costs** : {$500.00} - **Damages for Harassment and Emotional Distress** : {$10000.00} - **Other Related Expenses** : {$1000.00} **Total Estimated Cost to Diversified Recovery Bureau in Litigation** : {$19000.00} I expect a prompt response within 30 days, confirming the deletion of the inaccurate information from my consumer reports or providing the requested validation of the debt. Please send all correspondence regarding this matter to the address provided above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account and charge offs. This account is hurting my ability to obtain credit. it's my understanding that TransUnion will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. it is illegal to report information on my credit report without my permission. Please remove this item frm my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-07-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (CO)

At the beginning of the year, I was notified that the value of my home went up significantly - from {$440000.00} to {$580000.00}. I fought this with an appeal, and won. The tax assessor sent me a notice of determination with my home having its original value for what I bought it for in XXXX  at {$440000.00}. So the value of my home has never changed. 

When I noticed on my mortgage payment that I had a significant increase in my monthly amount that was due ( instead of {$3200.00} it went up to {$3800.00} ), I called my mortgage company to let them know what was going on and that I needed another escrow analysis done. It was during this conversation that my lender noticed that they paid my XXXX  property taxes to the wrong property. Two numbers were transposed on my schedule ID and that is why there was a mix up. Where this error came from, I'm not aware.

In the meantime, I made my regular mortgage payment ( at the {$440000.00} value ) of {$3200.00}. My mortgage company is holding these funds in " suspense '' and will not apply them to my mortgage payment for XXXX until I provide them with another {$600.00}. I am a XXXX XXXX  and XXXX  mother of XXXX XXXX, I do not have an extra {$600.00} to put towards a mortgage payment that will, hopefully, be anywhere near that once my XXXX  taxes are properly paid and my escrow analysis is complete. I've made several phone calls to my lender and have talked with a supervisor who is also unable to help me.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (TX)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (PA)

On XX/XX/year>, I received a notice about verifying my account demographics. When I logged in and went to my personal information tab, I noticed they had my name incorrectly. I sent them a message on XX/XX/year> about how I never legally changed my name, the name " XXXX '' was incorrectly added to my account and my name for 31 years has been XXXX. They began to request various documentations supporting my claim. I submitted my Driver 's License, XXXX Permit Card, Bank Statements, Marriage Certificate, Divorce Decree and they have rejected all information. They have not provided any proof my name was ever XXXX XXXX '' XXXX XXXX. They have been unwilling to simply correct an error their system made.