davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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: Upstart Holdings, Inc. (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear UPSTART XXXX XXXX, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent. 

It has come to my attention that XXXX XXXX XXXX has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the XXXX XXXX XXXX, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section XXXX ( a ) ( XXXX ). 

Furthermore, Californias Civil Code Section XXXX, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law. 

I assert that I have not provided any consent to XXXX  XXXX XXXX to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law. 

I demand that XXXX XXXXXXXX XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the XXXX XXXXXXXX XXXX. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting XXXX XXXX XXXX to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (MA)

Robinhood placed an account restriction on my account citing under review due to unusual activities. I did not do anything which violates any Robinhood policy, terms of service, or law. All funds on the account are rightfully mine and were transferred from bank accounts under my control. I am currently unable to transfer funds or open new positions with the stock brokerage which has effectively locked me out of a large percentage of my monetary assets. 

I reached out to Robinhood support directly to request information on what flagged my account and approximately how long the investigation would take. I am open to cooperating and providing any supporting documentation that is needed. However, the service representative was unable to provide a clear answer to either questions.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation (NY)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 
I demand the late payments to be removed off of these accounts from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

There was an insurance claim payout for XXXX on XX/XX/2024 that was mistakenly sent to my PayPal XXXX  account ( XXXX ) where I have an ongoing dispute with a customer who has made frivolous disputes on my account. Insurance claim XXXX on behalf of adjuster XXXX XXXX. Transaction ID XXXX  XXXX ). Insurance company also provided the necessary money trace ( XXXX ) to have the funds reversed by PayPal. I was unaware that the PayPal payout would not allow me to edit the fields to input my personal PayPal account ; instead, it would automatically be sent to my business account when I selected it. The business account was negative because of the disputes from another PayPal user. The insurance funds were utilized by PayPal to reduce the business debt, which was not the intended purpose of the insurance check. This is regarded as insurance fraud, as the check was intended to cover a loss and serve as a replacement. I attempted to get PayPal to transfer the funds to the correct account, XXXX, but they declined. After informing PayPal to revert the funds to my personal account ( XXXX ) ; my personal account also became limited which would have prevented me from withdrawing the funds. 

XXXX XXXX have repeatedly instructed PayPal to reverse the funds back since XX/XX/2024, but PayPal still refused. Due to PayPal 's refusal to return the funds to the insurance company, I am unable to provide evidence that the insurance check was utilized for its intended purpose. 

XXXX XXXX, on behalf of XXXX, put in a dispute on ( XX/XX/2024 ) to have the funds sent back to them, but Paypal is creating further stall tactics and obstacles. As of the evening of XX/XX/2024 ; the insurance funds have not been reversed, despite the fact that XXXX XXXX, XXXX XXXX XXXX XXXX, and I have made XXXX contacts to PayPal, including speaking with higher management.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX XXXX ACCOUNT # : XXXX i ask for the companies involved to do a PROPER INVESTIGATION AND DELETE THIS ACCOUNT PLEASE THANK YOU. 
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE/ACCOUNT STATUS/ BALANCE / PAYMENT HISTORY LAST DATE REPORTED IS INACCURATE AND ACCOUNT NUMBER IS INCOMPLETE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( XXXX ) DELETE THIS FRAUD ACCOUNT THANK YOU
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (LA)

On XX/XX/year> I co-signed for a family member of an auto loan through the lender of Chrysler Capital in XXXX, TX. She ( family member ) has been making on time payments. I requested information on how I could go about taking myself off of the loan since the account is joint and I do not make any payments. They stated, we dont refinance nor do we offer a cosigner release process.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

I opened a Citibank account XX/XX/2024, I set up direct deposit from my job with no issues. I received 2 paychecks into the account and after my 2nd paycheck my account was canceled from fraud. Ive called multiple times and no one has told me the reason my account has been canceled they only said it was fraud. I tried to explain to them that Ive been at my job for 11 years the checks that were deposited were not fraudulent. They told me that there was no information that they could provide and Ill receive my refunds in 90 days.
Consumer complaint received 2023-09-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BWW Law Group, LLC (MD)

BWW LAW GROUP LLC, added themselves as substitute trustees to my deed before giving their standing on said debt. 

They also took legal steps by putting documents and affidavits on the record before verifying how theyve acquired said debt. 

Also, they need to send me the original note with my wet ink blue signature, as the one they sent me is a good forgery.
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (AR)

The car purchased was a XXXX XXXX XXXX  it was purchased with a vehicle service contract and XXXX insurance to cover the full purchase the car was totaled in XXXX of XXXX and the insurance company paid them the settlement money afterwards the dealership was contacted and they sent regional acceptance a XXXX  of XXXX  a check for the cancelling of our VSC  the dealership then sent me a copy of the check sent and cashed by the company, however regional acceptance says they have no check. The deceitful people that have investigated say that they cant find the check and the dealership wont reissue the check this company is ruining my credit and caused me to wait so long that I lost my job and income because I couldnt get another car in time. This company is refusing to remove the delinquencies from my credit even know I have proof of payment from XXXX and XXXX insurance in addition to the check sent from the dealership for the remaining amount of the loan. Regional acceptance had harassed me calling nearly every XXXX  since XXXX of XXXX demanding payment. This company should be ashamed
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.
Consumer complaint received 2024-08-07
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: TRUIST FINANCIAL CORPORATION (GA)

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Regional Acceptance XX/XX/XXXX LightStream XX/XX/XXXX Regional Acceptance XX/XX/XXXX
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (MN)

Today XX/XX/year>. 
I went into Wells Fargo ( who I bank with ) and exchanged XXXX {$2.00} bills for XXXX XXXX XXXX XXXX. He said he didnt need to see my wells Fargo card and I received no receipt he just took the XXXX {$2.00} bills and gave me the bad rolls. The bank no longer has their coin machines, so when people come in with change, they give them the paper rolls to fill themselves unsupervised. The bank does not check these rolls and hands them back out to people who come in and ask for any type of coins in rolls. I am still waiting for the bank to respond. XXXX out of my XXXX rolls were short a few coins XXXX coins each. Which means the bank is responsible for not giving me the correct amount that was suppose to be there. Im not sure how you can trust someone off the streets to fill these rolls with whatever they want. These rolls arent from loomis or any other professional coin company. You can get these paper rolls at the dollar store. The rolls look sketchy and very unprofessional
Consumer complaint received 2023-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NH)

I received a letter XX/XX/XXXX from Wells Fargo Home Mortgage stating that my account was impacted due to a system outage along with a check for {$70.00}. 
On XX/XX/XXXX I called Wells Fargo & spoke with XXXX, an escalation supervisor. I recall this was the time my mortgage was listed on my credit report twice and requested more details about the mishandling/modification of my mortgage account without my permission. 
XXXX explained that there was a system outage and my escrow interest was not appropriately calculated or added to my account for an unknown period of time. My escrow interest was accurately calculated, my escrow account amount was inaccurate and my mortgage payments were accurately calculated based off of this. 
I explained I received an escrow analysis statement on XX/XX/XXXX that showed a shortage of {$410.00} & my loan payment was subsequently inaccurately calculated because of this XX/XX/XXXX error. 
Today I understand that I am a victim of Wells Fargo predatory modification & mishandling of my mortgage since XX/XX/XXXX. 
For the past 4 years my monthly mortgage payment was miscalculated due to this error. 
I am requesting the appropriate measures be taken to properly calculate what the actual escrow shortage would've been in XXXX and what my actual mortgage amount should've been. I am requesting a detailed report with the modification calculation for every month starting in XXXX XXXX XXXX. I am requesting the full calculated credit be backdated including all miscalculated interest & fees. I would like this directly applied to my mortgage account for every month of miscalculated interest to my mortgage. I would also like to be compensated for the error of two mortgages listed on my credit report
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WI)

On XX/XX/year>, I reached out to XXXX XXXX, CEO of Citibank to inquire, among other things, verification documents for my credit card account [ # XXXX ], via certified & return receipt mail. Although my request ( s ) affidavit ( s ) had been received by the company, no one responded. On XX/XX/XXXX & XXXX, respectively, I, again, sent another letter to the CEO requesting the same information. To date, no one has responded to any of my certified affidavits and letters. On XX/XX/year>, I accessed my online account to check to see if there was any ( possible adverse ) actions taken against me for my repeated request and I discovered that Citibank had closed my account. I believe this action, by Citibank, was retaliatory because I requested the information & verification I have been actively asking about my credit card bank accounts.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (IL)

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 2024-08-07
Product: Credit 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: CITIBANK, N.A. (NJ)

I contacted XXXX XXXX XXXX which is associated with Cinch back in XX/XX/year>. The gentleman I spoke to to cancel my warranty could not even find my information in the system and was unable to help me. I called again and and requested my warranty be canceled. i wrote letters to XXXX XXXX card and XXXX XXXX XXXX, finally I received an email stating that as of XX/XX/year> the warranty was canceled. I continued to receive bills from XXXX XXXX for the warranty. I again requested the bills to be stopped. I filed disputes with XXXX. As of this date and time I am not getting any resolution to this issue.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I recently discovered that for the past year, i've had unauthorized non-chase ATM withdrawals from random locations. Since XXXX of last year, ive had close to {$1500.00} taken from my accounts. Ive called Chase and filed a claim, and they gave me some credit for a few days, but after a few questions, they concluded that I " authorized '' these withdrawals since I still have my debit card and that it isnt lost. I told them I believe that my account has been breached and information stolen, but refuse to take any other action simply because my card hasnt been " lost or stolen ''. So to this day, XX/XX/XXXX, ive had another {$93.00} withdrawn from the same " non-chase ATM ''. I called again and told them that I just received a new card, I was put under a " security measure '' with them, meaning I would get texts everytime a withdrawal occurs, but I have not received nothing. No help. No recovery from my money. I told them its not about the lost money at this point, I just want these withdrawl transactions to STOP. I am going tomorrow to a branch to close my account, although im not sure if that will be enough. I fear my information is just stolen at this point and am getting robbed.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC. (CA)

I don't need any resolution on this complaint. I urge CFPB to call for an external investigation on the internal operations of Axos Bank. Axos Bank is tricking people into getting their government issued ID and personal info, in return for nothing. I attempted to open a checking account XXXX. Strangely, the bank asks for customer selfie. However, the bank 's website was not taking the selfie. I called their customer service line and the male operator said to email the selfie and the driver license photo to their email from the email account I used in the application. I sent the email. The email response was email support can not do anything and advised to call back their phone line. This small time Axos Bank likes to make people roam around in circles once they have gathered the government id details. I believe Axos is selling people 's personal info including government id details to outside. I urge CFPB to investigate into the internal operations of Axos Bank.
Consumer complaint received 2024-08-01
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: Early Warning Services, LLC (SC)

FTC REPORT NUMBER : XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX Name XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.
Consumer complaint received 2024-08-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (PA)

On or about XX/XX/year> I made an agreement with a Trustee and Wells Fargo in the Sum of {$13000.00}. And I was informed by Wells Fargo that all Sheriff Sales and Foreclosures will cease. However this is not the case as you can see in the attachment. So just as in the past Wells Fargo continues to discredit themselves even to this day. And Im requesting that you all fully investigate this corruption and constant harassment. Plus on XX/XX/year> I sent them a mortgage payment of {$650.00} and to this day they have not credited this to my account. XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX, Account # XXXX -- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
XXXX