davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (FL)

I will never stop refilling complaint to the MERCEDES-BENZ FINANCIAL SERVICES for allowing the fraudulent account and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year> and XXXX XXXX, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report the fraudulent account still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VALLEY NATIONAL BANCORP (NJ)

This is my formal rebuttal of the XXXX Dispute. When regarding my information security breach, I was notified my information was apart of XXXX breaches. XXXX being a XXXX provider whos information port was breached, as well as XXXX which contained my XXXX wallet storage information and XXXX XXXX. These are obviously XXXX very easy ways to enter credentials if my information was taken which is seems it was. Looking at the XXXX transactions that occurred from XX/XX/XXXX thru XX/XX/XXXX to this person, even the way the XXXX history occurred showed it was a hacked like attempt. This person attempted XXXX separate times to send money of various amounts to them which all failed the transaction leaving the funds due to complications seeming to send it out. 
These attempts were then followed by a second attempt by sending out smaller amounts that generally go unnoticed due to the size of the transactions aka baiting so the person who is hacked ( myself ) in this case is unaware of the activity. This then was followed up by several rapid fire XXXX payments being sent out using my credentials by this other person totaling {$1000.00} combined being paid out. As soon as I noticed the larger amounts. I contacted XXXX immediately speaking to the fraud department to dispute said charges. In this case, I followed all XXXX XXXX instructions from this point out. My account was restricted, my debit card was hot carded, and XXXX deactivated by my request. I then submitted all information as requested from the Branch and fraud agent including screen shots of XXXX usage, I then reported to XXXX XXXX XXXX XXXX as to debug my phone for cleaning any possible connection from a foreign entity. I then changed all online passwords and usernames, cleaned out my google wallet, closed the debit card and opened a new account keeping XXXX deactivated. I was hit by this fraud and am owed either a reimbursement or secure return of my funds according to the CFPB that XXXX and XXXX are bonded by. I am currently working with agent supervisor XXXX XXXX. 

I previously experienced zelle fraud at a prior institution ( XXXX XXXX  ). I requested XXXX to be deactivated from my account as I do not trust person to person transfers very much. When I spoke to the initial agent, she stated XXXX is a XXXX party and we can not simply deactivate this feature. Secondly, due to the non return of funds I have entered a hardship in terms of bills and rent that is owed due to the loss of nearly half of a paycheck. 

I still on today XX/XX/XXXX have not received credit for my fraud loss.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (GA)

my credit is bad i have been through a divorce and two jobs in the last 3 years. 
I need an account with truist as my daughter can use the account and there is a branch about a block from here. how can i open a truist account. I have a deposit and will setup direct deposit
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CBE Group, Inc. (FL)

CFPB ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXXXXXX XXXX XXXXXXXX, XXXX. 
XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX debt not mine
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-14
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (WA)

Unable to get any help from customer service. XXXX to the website to get statements, yet they are not available. On hold and tossed through the phone system for over XXXX hours with no help into my inquiry of why I was being charged XXXX in interest. 

The lack of transparency and ability to help me understand my account charges or view or request my statements is not okay. 
I have exceptional credit and afraid this will hurt my score if I don't just pay what they are demanding from me.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX DOB : XXXX RE : Recent Investigation XX/XX/2020 To Whom It May Concern : I am writing this letter because after your investigation there are still errors on my credit report specifically the following accounts : XXXX XXXX XXXX {$4000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$790.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$5200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX  XXXX {$30000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX/XXXX XXXX {$4200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$950.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX XXXX {$2800.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$910.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1100.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$380.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$280.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX  XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$18000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX XXXX XXXX XXXX {$5300.00} Violating FCRA Section 611 Part ( A ) ( 1 ) To avoid litigation please remove the accounts from my credit reports immediately. You have 30 days. 


Thank you. 

Sincerely, Your XXXX XXXX CC : XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Dear CFPB, Complaint About XXXX PayPal XXXX. 

It's a great honour and privilege to write to your great office on this very day, regards to the permanent limitations placed on my PayPal account for over 7 good months now and PayPal XXXX XXXX have refused to release my funds. In details of what happened. I received a payment from my friend who is domiciled in XXXX XXXX XXXX on XX/XX/year> sum of XXXX GBP at the point of receiving this payment, XXXX XXXX XXXX requested me to provide my means of identification in other to access my funds, I provided all that was required and explained to PayPal that purpose of this payment I received in my PayPal account is meant for my family support, after I provided the necessary documents, PayPal XXXX XXXX permanently limited my PayPal account, I contacted PayPal via an email to know the reason for the limitation in my account, PayPal told me I have gone against the PayPal user agreement which I signed before signing up to PayPal that I have to wait for 180days before they could allow me withdraw my funds, I appealed to PayPal XXXX XXXX to please release my funds or refund the payment to the sender so I can receive the money via other means but PayPal XXXX XXXX insisted on holding my funds till date, I have also contacted PayPal to remind them that the 180days which they said they would release my funds suppose to end on XX/XX/year> but PayPal XXXX XXXX is not responding to me anymore, I came to find out recently when I logged in into my PayPal account that the funds in my PayPal account is no longer there and my PayPal account is currently negative without any notification from PayPal XXXX XXXX, dear sir, I appeal to your great office to please help me appeal to PayPal XXXX XXXX to please release my funds to me as they have caused me a lot damage and have kept on pressure for a while now. 
Thank you.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX Experian Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding my account with XXXX XXXX XXXX XXXX , with a balance of {$4100.00}, and its reporting to Experian Credit Bureau . 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late. 

I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect any late payments on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure. 

I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. 

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

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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: JPMORGAN CHASE & CO. (AZ)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear JPMCB CARD, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003.

It has unequivocally come to my attention that JPMCB CARD has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Arizona state law, specifically Section 44-3301 of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section 13-2003, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for JPMCB CARD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that JPMCB CARD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that JPMCB CARD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (NV)

I am writing to formally lodge a complaint against Santander Consumer USA. They have been engaging in practices that I believe violate my consumer rights under federal law. Specifically, Santander Consumer USA has reported without providing me with the required validation information, as mandated under 12 CFR 1006.34 ( B ) ( 5 ). I have not been given any opportunity to dispute this account as required by 12 CFR 100.634 ( C ) ( 4 ) ( I ).

These actions by Santander Consumer USA constitute a violation of my consumer rights by using false, misleading, and deceptive means to collect a debt. Their failure to adhere to these legal requirements has caused me significant distress and has adversely affected my credit standing.
Consumer complaint received 2024-08-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (KY)

Jefferson Capital Systems , LLC Attn : Customer Service Department XXXX XXXX XXXX XXXX. XXXX, MN XXXX Re : Cease and Desist Demand Dear Jefferson Capital Systems , LLC, I am writing to formally request that you immediately cease and desist from all communication and collection activities related to the alleged debt associated with my account. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and any other applicable federal or state laws. 

Description of the Issue : Cease and Desist Request : I hereby demand that you : a. Immediately cease all forms of communication with me, including phone calls, letters, and emails, concerning this alleged debt. 

b. Cease all collection activities related to this account. 

c. Provide written confirmation within 30 days that you have complied with this request.

Consequences of Non-Compliance : Please be advised that if you do not comply with this cease and desist request, I will consider taking appropriate legal action to protect my rights. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal remedies available under the FDCPA.

No Waiver of Rights : This letter does not constitute a waiver of any of my rights, claims, or defenses, all of which are expressly reserved.

I trust that you will handle this matter promptly and in accordance with the law.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (NY)

I placed an order on XXXX and returned the items because they did not fit. XXXX provided me with a return label and the return was requested and shipped back within the 30 day return period. In addition, the return tracking # shows that the items were DELIVERED BACK TO XXXX and if you see in the attached photos of my chat conversation with XXXX and my emails, XXXX even CONFIRMED the packages were received. They said in the chat photo attached that it takes 14 business days to process the refund and to reach back out if I still do not receive my refund by then. It had been longer than 14 business days so I reached back out to them and they said that yes, they received my return, but now they can not find it in their warehouse so they cant process my refund. This is NOT my problem. I did what I was supposed to do, return the items. They can not steal my money like this because of a failure in their warehouse! 

XXXX then denied the claim saying they can't load XXXX XXXX tracking numbers which is very easily done on XXXX. They said they can only do XXXX, XXXX and XXXX which is false. In addition, they denied my claim and NEVER informed me of the denial. I reached out to XXXX on NUMEROUS occasions and they said they were still working on it when in fact they already had denied the claim. Now they are saying its been 35 days since the claim has been denied and I am screwed and if I want my money then I should " hire a lawyer and XXXX XXXX XXXX
Consumer complaint received 2024-08-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The debt collection company is COLUMBIA DEBT RECOVERY LLC DBA GENESIS. The alleged debt owed amount is XXXX. 

On XX/XX/year>, the collection company served the initial notice. 

On XX/XX/year>, I submitted a formal demand to the debt collector that all collection activity must be ceased immediately and requested proof of debt. 

On XX/XX/year>, the collection company sent over the debt validation, i.e. the summary of the move out charges but it fails to establish or validate the debt because the address on the summary of move out charges is not the unit I rented per the lease and it does not provide itemized invoices to substantiate the debt. I in turn informed and advised the collection company that the validation of debt it sent over failed to validate the debt. 

On XX/XX/year>, the collection company sent over further documents to validate the debt, i.e. the two invoices. However, the charges on the invoices do not match any charges on the summary of the move out charges that the debt collector sent over previously. 

On XX/XX/year>, I informed the collection company that it still failed to validate the debt. But the company collection has already reported this debt to the credit reporting company before it can validate the debt.
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

In XXXX of XXXX, there were 4 open collection accounts posted on my credit report in the amounts of {$2100.00}, {$2000.00}, and {$1700.00} ( XXXX XXXX XXXX  ) and they are currently still there. I notified them of my concern in XXXX via certified mail and they only sent me a final bill that I am unfamiliar with but no contract or application bearing my signature that I've even had an account with these companies. It is my current knowledge that XXXX XXXX XXXX  is currently in the middle of a lawsuit for unethical practices or a data breach. I have also since frozen my accounts with all 3 bureaus.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

They just keep calling. I don't see any debt I owe in credit reports and I am afraid of getting scammed, sued or have wages garnished for something that doesn't show as a negative on my credit report. I have not received any notice in the mail and the calls have been made for over a week span.
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: Experian Information Solutions Inc. (HI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts XXXX XXXX XXXX XXXX. {$17000.00}, XXXX XXXX XXXX bal. {$1000.00}, XXXX XXXX bal. {$130.00}, XXXX XXXX XXXX bal. {$220.00}, XXXX XXXX XXXX XXXX. {$2100.00}