davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PayActiv, Inc. (NY)

XX/XX/XXXX the amount was XXXX and XXXX was taken out of my .. payactiv account..I called my card to tell the that a company by the name of XXXX took money from my account that I never authorized or ever been to this place before or use them and they told me I wasnt getting a refund back so I told them Im going to report them because if Im telling you I never use them or had a history of purchasing anything from them how I cant get my money back because thats fraud activity on my account
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: London & London (CT)

Never received any information from XXXXXXXX XXXX last XXXX of account XXXX. Began receiving notices from XXXX XXXX. Refused to provide information from original creditor XXXXXXXX XXXX XXXX. Began receiving letters from London & London XXXX. Numerous phone calls. Repeated requests for information from original creditor XXXXXXXX XXXX Repeated requests to stop calling. Explained that I am XXXX. Told me that my credit would be damaged, they would contact my employer ( I have no employer ) told me they would sue me and garnish my Social Security XXXX and contact my landlord and inform them of the debt.
Consumer complaint received 2024-07-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (VA)

My VA home loan is with NEWREZ. This is not the original company that originated the loan. I was awarded XXXX XXXX XXXXXXXX status from the VA. This status is as of XX/XX/2023. I have a mortgage/live in Virginia. I have been granted a waiver to property tax due to my XXXX. I submitted proof of such back in XX/XX/XXXX to NEWREZ. To fate I still haven't received my excess escrow in the account and my monthly payment has not been reduced. The company has changed the required documentation, as such I submitted the new documentation. I receved an email stating the escrow analysis will b completed by XXXX XXXX. The analysis is still not completed and the company continues to hold my excess escrow and require escrow payments based on my prior ( XXXX  ) tax liability
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I applied for a credit card with XXXX XXXX  XXXX XXXXXXXX XXXX Rewards once. They requested my credit information 7 times in a short period of time, sometimes multiple times in one day. This was not authorized by me and I would like them to remove these inquiries.
Consumer complaint received 2024-07-22
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: U.S. BANCORP (TX)

My credit card that was charged and was used physically in a place where I was not there. The bank told me the used of chip so it means physically presented. 
First of all I was in a different location ( XXXX  XXXX ) while the credit card is in my home in the United States. 
There were 2 charges happened at the same incident the first one was about {$5.00} and the other was {$66.00} which includes tax. 
I was alerted by text messages so i called the bank and told them i did not do any purchases. 
Apparently after talking to them they issued credit on both amounts, but the next thing that I know they took the credit back and charge the larger amount which is the {$66.00} to my credit card. 
They put the charged back to my account because they said the chip was used during purchase. Up to now XX/XX/year> Ive been trying to resolve this by calling the bank several times. 
This is a dilemma, this happened early XXXX of XXXX  and can not get people to handle it correctly by the US Bank. You have to wait several days for someone to call you back and ended waiting. 
To me it doesnt make sense they give a credit on the small amount but not on the bigger amount on the same incidents. 
Its actually Im after the righteousness of what happened and in good faith.
Consumer complaint received 2024-07-22
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. (MD)

unfortunately, I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-06-27
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. (MI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (TX)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2024-07-22
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: Bread Financial Holdings, Inc. (CA)

I am writing to file a formal complaint regarding an identity theft incident involving Comenity Bank. On XX/XX/year>, I discovered multiple unauthorized hard inquiries on my credit report. Immediately upon noticing this activity, I took proactive steps to protect my financial information by freezing my credit report and contacting all banks associated with the inquiries. 

During my investigation, I discovered a soft inquiry by Comenity Bank. I promptly contacted Comenity Bank on XX/XX/year>, informing them of the identity theft and requesting verification of any accounts associated with my Social Security Number ( SSN ). Comenity Bank confirmed the existence of an unauthorized account with a balance of {$340.00}. They assured me that the account would be closed, and I requested a dispute regarding the balance owed. 

Subsequently, I filed a police report on the same day to document the identity theft incident. On XX/XX/year>, I received a letter from Comenity Bank confirming the closure of the unauthorized account. I called them in XXXX to inquire about the status of my dispute, and they said it's still in progress. The letter dated XX/XX/year>, received after a significant delay of 2 months and 18 days, stated that their investigation concluded with no basis to support my dispute. Please note there were they was no specific documentation related to their investigation or instructions for payment. 

In response to this letter, I contacted Comenity Bank at the provided number ( XXXX ) seeking clarification and was informed that I could not speak directly with the dispute team over the phone, but was advised to email them or file a new dispute. Given this instruction, I proceeded to file a new dispute, but as of the date of this complaint, I have not received any correspondence from Comenity Bank regarding the status of this new dispute. 

Moreover, despite my efforts to resolve this matter directly with Comenity Bank, my attempts to reach a settlement representative on XX/XX/year>, were unsuccessful after waiting for over an hour on hold. 

This situation has caused undue stress and uncertainty regarding potential penalties and the impact on my credit rating. It is concerning that Comenity Bank 's processes may have failed to adequately verify identity during the issuance of credit, leading to financial repercussions for an identity theft victim. 

Your assistance in resolving this matter swiftly would be greatly appreciated. 
Please note that due to identity theft, I am currently involved in dispute processes with several banks, and my experience with other banks has been significantly better than with Comenity.
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (GA)

I contacted Newrez who became the new mortgage company on several occasions ( XXXX XXXX ; XX/XX/XXXX, and XXXX ). I informed them that they used XXXX property taxes for my property that I purchased in XX/XX/XXXX as a basis to established my escrow. However, that property tax amount ( {$3600.00} ) was established with the previous owner, and XXXX property taxes are already paid. I sent the escrow department ( XXXX times ) a copy of my estimated property taxes for XXXX ( {$1200.00} ) I received from XXXX XXXX and they still have not adjusted my escrow. As a consequence of the estimated higher amount of property taxes, they are increasing my mortgage payments without proper cause starting XX/XX/XXXX. I have also spoken with XXXX persons that said that they would make the correction, but they have not made the correction to this date.
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: CarMax, Inc. (IL)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, XXXX XXXX Dear XXXX I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to Illinois, particularly under XXXX XXXX XXXX XXXX 

It has unequivocally come to my attention that XXXX has 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, Illinois state law, including identity fraud statutes relevant to XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Specifically, Illinois law under the Identity Theft Enforcement and Restitution Act underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX 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 XXXX 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 Illinois state laws. 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 and Illinois state law. 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 XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I recently filed a complaint against Chase Bank regarding them not releasing my money that they have had the last 2 months XX/XX/year> and XX/XX/year> XXXX money payments that should of been issued to me already but because I had submitted a claim with them for transactions that I didn't do I had to wait till they were all closed. However on XXXX XXXX I had called the customer service number and they informed me that I could go to the bank and that I would receive my money without problems. I got there only to be told that I wouldn't be able to receive no money because they are still investigating and once it is done then they can issue out payment. So I waited about anothefr week and then I called the bank and I spoke to the lady from the restricted Department and she told me that the last claim was closed and completed on XX/XX/year> and here it was about 2 weeks later and I still hadn't been able to get my money from either the bank and they never sent nothing in mail. So here it is XXXX and I called customer service twice and they told me both times that I can get my money and I wasn't able to. So when I called customer service they said that my account was closed and the branch says that it is restricted and I am not sure on what to do because how can the same company system say 2 different things? If they are holding my money and the account is now closed I believe that is illegal?!
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

Despite my multiple attempts to dispute these items with Equifax and provide supporting documentation dated XXXX XXXX, such as evidence and police reports, the issues have not been resolved. Additionally, I am being sued for debts I no longer owe. Debt collectors are selling my debt, leading to multiple lawsuits against me. I request that these items be investigated and corrected as soon as possible.

Please provide me with a written statement detailing the results of your investigation and any changes that are made to my credit report. Belon is an attached copy of my report for your reference. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (TN)

credit karma has no customer service phone number to opt out of credit karmas service. this company submits a daily inquiry on my credit report and XXXX does the same. I never signed up for this service nor did i give written permission for either company to perform theses actions on daily bases.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

I created my Marcus by Goldman Sachs online savings account XX/XX/year>, and deposited my money to the account over the past year. When I tried to transfer money out XXXX XXXX XXXX XXXX XXXX earlier this month ( around XX/XX/XXXX ), the transfer didn't go through and was reversed on XX/XX/XXXX. 

They called me XX/XX/XXXX and I missed the call. When I called them back at customer service, they said they couldn't verify my phone number. They said based on their database, my phone number is not under my name, and they asked me to verify with XXXX XXXX XXXX. Then I said it was them who made the call first, and they said they didn't know what happened. I've never had any problem with my phone number because this is my number, and all my IDs, banks, work, insurance, address are using this phone number with no issue. I verified with XXXX XXXX XXXX that I am the owner of the phone number. I called Marcus back XX/XX/XXXX, they said they still couldn't verify my number. On the same day, I received a data privacy alert from XXXX XXXX XXXX, saying that " we learned some of your data was illegally downloaded. We have no current indication your data has been publicly posted/misused. The data includes the phone numbers of your calls and texts but not the content of your calls/texts. '' I am extremely concerned of my privacy and my money ( almost all my life savings ) at Marcus. 

On XX/XX/XXXX my account was locked. Now I couldn't access my online savings account at all and have zero knowledge into what is going on. They said that I need to wait for XXXX business days for them to call me for next steps of verification, and need to wait for more time to unlock my account. No clear instructions and timeline were provided. I called XX/XX/XXXX, and no updates were provided. This is the worse experience I've ever had with any banks, and I don't know what to do. 

Thank you so much for looking into my case. I feel helpless, and also discriminated when they keep asking if I have a sister or brother or parent who can verify me or otherwise I couldn't be verified.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (PA)

I contacted Lexis Nexis back in XXXX XXXX stating there were inaccuracies on my credit report. I was told they never received the letter. I called spoke to a representative on XXXX  and was told to get a police report. I got an affidavit and police report for the fraudulent account on my report. I sent a letter to Nexis Lexis on XXXX XXXX XXXX. I called again on XXXX XXXX XXXX to see if my letter and affidavit was received, the representative said no. I called back today, my letter is till not processd. My credit is affected by these penalties, this look SUSPICIOUS AND DECPTIVE, I demand " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested that Lexis Nexis remove this fraudulent account from my report. Federal laws requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX, fl, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/2024 ] Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Violation of Consumer Rights by Collection Agency Dear Sir/Madam, I am writing to formally lodge a complaint against a collection agency that I believe is in violation of my consumer rights under various federal regulations. 

I discovered that a collection account had been placed on my consumer report by Collection Agency. This agency has failed to provide valid information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this failure, they proceeded to report the collection account, causing significant harm to my credit report.

Furthermore, I have not been given a fair opportunity to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( l ). The collection agency 's actions have not only deprived me of my right to dispute the validity of the debt but also demonstrate their use of false, misleading, and deceptive practices in violation of consumer protection laws. 

It is my understanding that the collection agency had no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the collection agency ceases its unlawful practices. Additionally, I seek the removal of the erroneous collection account from my consumer report and any other remedies that may be available under the law. 

Please find enclosed copies of my correspondence with the collection agency and any other relevant documentation supporting my complaint. 

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

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX someone hacked into my Coinbase account and sold my cryptocurrency and tried to withdraw my money. The fraudster was not able to withdraw my money and account was locked. I have been calling and trying to recover my account ever since. It is now XX/XX/XXXX and I have called several times files a complaint with Coinbase and tried to do the identity verification probably about over XXXX times and it keeps failing. I dont several hours on the phone at different dates to try and resolve and keep getting g told I will get an email and have to do the identity verification which is not working or passing for me. Been out of my money for almost a month and I need my funds. This is very disappointing and I feel like I am not getting the help or service needed to resolve this.