davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

Respondent : Wise.com Nature of Complaint : Failure to Protect Consumers Against Fraud, Inadequate Safety Measures, and Questionable Customer Due Diligence Date of Transaction : XX/XX/XXXX Transaction Details : Recipient : XXXX XXXX XXXX : XXXXXX/XX/XXXX: XXXX Bank : XXXX XXXX, XXXX Amount : XXXX ( approximately {$330.00} USD ) Purpose : Alleged purchase of XXXX XXXX tickets Summary of Events : On XX/XX/XXXX, I initiated a transaction through Wise.com to the aforementioned account, believing it to be a legitimate purchase of XXXX XXXX tickets. I was contacted through XXXX by individuals identified as XXXX XXXX and XXXX XXXX XXXX, who I now believe to be engaged in fraudulent activity. 

On XX/XX/XXXX, within XXXX hours of the transaction, I realized I had likely been scammed and immediately contacted Wise.com to request a cancellation and refund. Despite multiple attempts, Wise.com has refused to assist me in recovering my funds. 

Legal and Regulatory Concerns : I believe Wise.com 's actions, or lack thereof, violate several consumer protection regulations, including but not limited to : The Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX : These regulations provide consumers with certain rights and protections regarding electronic fund transfers, including the right to stop payment on preauthorized transfers under specific circumstances. Wise.com 's refusal to assist in canceling the transaction XXXX be in violation of these provisions. 

The Consumer Financial Protection Act of XXXX ( XXXX ) : This landmark legislation established the CFPB and granted it broad authority to protect consumers from unfair, deceptive, or abusive acts and practices in the financial marketplace. Wise.com 's failure to implement adequate fraud prevention measures and its unwillingness to assist a customer who has fallen victim to fraud could be considered abusive practices under the XXXX. 

Conclusion : I urge the CFPB to investigate this matter thoroughly and take appropriate action against Wise.com for its failure to protect consumers against fraud and its inadequate customer service practices. I request a full refund of the XXXX transaction amount, as well as any applicable fees or charges.
Consumer complaint received 2024-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc. (MD)

In XXXX I began investigating a debt i located on my credit report. {$1000.00} being collected on by a collection agency called XXXX. I spoke to them and obtained info on the original creditor. XXXX XXXX They could locate my file but [ per them i have no balance on record in their new or old system. 

In full transparency, XXXX is collecting on another debt regarding a car accident that i can call and attempt to settle today. My XXXX didnt pay out of the fees as he was supposed to. But this bill for {$1000.00} does not belong to me. 

I also attemoted to send the attached validation letter to the fax number the company provided but it wasnt successful
Consumer complaint received 2024-09-23
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (TX)

On XX/XX/year> I used my care credit credit card through synchrony bank to pay for a XXXX XXXX with XXXX XXXX XXXXXXXX / or known as XXXX. I went in for operation on XX/XX/year>. Immediately when I woke up I realized I was botched, the doctor didnt do what we initially discussed. They XXXX  me with XXXX  before I even seen the doctor on the day of operation, they only had me conscious to sign my care credit repayment agreement. After seeing that the doctor XXXX XXXX XXXX XXXX didnt do what we discussed or that I wanted I started crying, the nurse told me that wait to my swelling go down and things will look better. XXXX weeks went by and I had a lXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Too painful to sit, to sleep, or to do any regular life activities. I contacted the nurse and asked to speak to the doctor and for a follow up visit I got nothing but the run around and was able to leave messages for the doctor to call me back, I never got a call back for a whole month. Then I started looking for other surgeons, having consultations to see what are my options & what could be done. I called synchrony bank/ care credit to dispute this botched procedure, sent them photos, and showed them I had to have a new XXXX for correction and to get the hard lumps removed. On XX/XX/year> I had another XXXX to correct the lumps and disfigurement of the XXXX with XXXX plastic XXXX. 
On XX/XX/XXXX I got a email from synchrony bank/ care credit letting me know that they have declined my dispute and still want me to pay for the botched XXXX with keyston/ goals. Even though I had to use my care credit account again to pay for the corrections & botched procedure. I shouldnt be liable or have to pay to be botched by a surgeon. XXXX goals plastic XXXX gave me XXXX XXXX, XXXX, misery and loss of work for XXXX  months battling this. My livelihood was on pause until I found a surgeon that could help me and fix this.
Consumer complaint received 2024-08-04
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)

I disagree with the account listed below which still appears on my credit report. Even after investigation, I would like these items immediately reinvestigated. The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 
In accordance with the fair and reporting act public law 91-506 Title VI section 611. Please provide the name and the business address of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your investigation.
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: TD BANK US HOLDING COMPANY (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 XXXX TD Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (GA)

You still haven't provided what I asked for. I never received any mail for AmSher Collection Services , Inc stating I owed you all or anything that has my signature agreeing that i owe AmSher Collection Services , Inc . So if you are saying you mailed me, please provide a CERTIFIED RECEIPT WITH MY SIGNATURE showing i received it
Consumer complaint received 2024-08-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MI)

I opened a CitiBank " Accelerate '' high yield savings account a few years ago. I have transfered money into and out of this account using the online website several times without issue. 

Now there is no option to transfer funds online. I believe I only get electronic statements, but when clicking the " view statement '' link in the monthly email, I am brought to the main account overview and there is no option to view statements, account numbers, transfer money, or request replacement cards. 

The last online withdraw was able to be done in XX/XX/year>. 

I spoke to customer service today ( XX/XX/year> ) and they stated the only solution would be to send a physical letter requesting a " replacement '' debit card. I don't recall ever getting any card for this account in the first place, and never needed it to transfer money before. The closest branch is a XXXX mile round trip. You can't request a " replacement '' card online, email, or by phone. 

There are many reports online regarding similar instances. There are also multiple reports of delays in receiving these " replacement cards '' and security codes via US mail. 

This appears to be a possible coordinated effort by citibank to prevent customers from accessing their cash deposits.
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (GA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2018-11-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Synovus Bank (GA)

We bought our house in XX/XX/XXXX through an in house loan. In XX/XX/XXXX the loan changed from a mortgage to commercial loan. In XX/XX/XXXX the was renewed without authorization or signature. Now we are trying to refinance to get the house back to a mortgage because without knowing we have been paying interest only since XX/XX/XXXX without getting a statement or payment coupon. The amount of the loan keeps changing and going up since we have started trying to refinance our loan.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

Subject : Dispute of Inaccurate Bankruptcy Information on My Credit Report Notice to agent is notice to principal, notice to principal is notice to agent.

Dear LexisNexis Consumer Center, I am writing to dispute inaccurate information on my LexisNexis credit report. Specifically, my report incorrectly lists a bankruptcy filing that I do not have. 

Personal Information : Full Name : XXXX, XXXX XXXX. 
Date of Birth : XX/XX/XXXX Social Security Number : XXXX Details of the Disputed Bankruptcy : Bankruptcy Type : XXXX  XXXX Bankruptcy Filing Date : XX/XX/XXXX Reference Number : XXXX Additional Case Numbers : XXXX, XXXX Court : XXXX XXXX XXXX Tennessee, XXXX XXXX XXXX XXXX, XXXX, TN XXXX Explanation XXXX The XXXX regarding this bankruptcy is incorrect. I have never filed for bankruptcy. This error on my credit report is affecting my creditworthiness and needs to be corrected immediately. 

Request for Correction : I request that LexisNexis investigate this matter and remove the erroneous bankruptcy information from my credit report. I have enclosed copies of documents to support my claim, including a letter from the bankruptcy court confirming that there is no bankruptcy filed under my name. 

Supporting Documentation : A copy of my government-issued ID ( e.g., driver 's license ) for verification purposes. 
A copy of my Social Security card. 
A letter from the bankruptcy court confirming no record of a bankruptcy filed under my name. 
A copy of the erroneous credit report showing the incorrect bankruptcy information.

Legal References : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), I have the right to dispute inaccurate information on my credit report and request an investigation.

I request that you investigate this matter promptly and provide me with written confirmation once the corrections have been made. Additionally, please send me a copy of my updated credit report reflecting the corrected information.

Additional Request to the Clerk/Authorized Person : Dear Clerk or Authorized Person, I recently pulled my credit report from all three major credit bureaus and saw a bankruptcy being reported in my name. I was unaware that you report this private information to the bureaus without the consumer 's consent. I called the credit bureaus, and they stated that you, the clerk/authorized person, reported it. I would appreciate a letter back stating whether you report to the credit bureaus, the method used, along with the person or department that reported the information, and the procedure used to report that information. 

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

Sincerely,
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

XX/XX/year> someone stolen {$610.00} out of my bank account. I called my bank and dispute the charges, I provided a police report number because I also contacted the police and filed a report for fraudulent charges. The bank denied my dispute twice.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Collection Management Holdings, LLC (TX)

I seen that there is a collection account on my report and didn't understand why so I called the company and let them know that this was not me and assk them if they can remove it and they asked me why I told them that I had to be a person of identity theft and i provided them a copy of my police report and they still have not remove it at all i called them back and told them that they are violating 15 U.S code 1692c and they still have not yet removed it at all
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (SC)

Tuesday, XX/XX/XXXX at XXXX PM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry/Unauthorized Fraudulent Account XXXX : Department of Education XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX, and XX/XX/XXXX. 

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. My name and my identity has been stolen. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Also, XXXX Police Department XXXX Report # XXXX has been filed as well to support this identity theft using my name and social security number without my authorization. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a fraudulent account on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing this fraudulent account. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA XXXX05B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The following is the fraudulent account : BANK OF AMERICA XXXX Date opened XX/XX/XXXX Balance {$3100.00}, BANK OF AMERICA XXXX Date opened XX/XX/XXXX Balance {$4600.00} which were open at an address which I have never lived at and it has nothing to do with me. Accounts showing above are indicating with an address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) which is not mine and I never lived there.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WI)

My Coinbase account was hacked the end of XXXX, took {$5000.00} in bitcoin. I was told that someone with a Texas IP address had hacked my account, I had no contact with anybody in Texas. They then locked me out ( of course for my well being ), I have tried 14 times to get back into my account, that's 14 different pics of my head, 13 pics of my drivers license ( 1 time I tried my VA picture ID ), and 14 times a pic of me holding a sign under my XXXX that read Coin Base Verification and the date. Each time I was told that they couldn't verify because pics were not readable. I even ran the pics thru XXXX just to make sure they were clear. It has been 4 months now, I received an email today ( XXXX ) telling me they were going to lock me out, what an XXXX  joke. One hand does not know what the other is doing. DO NOT DO BUSINESS WITH COINBASE, THEY DO NOT STAND BEHIND THEIR CUSTOMERS!!!!!!
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (MA)

Dear Credit Control / XXXX  XXXX XXXX XXXX XXXX writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Please remove all fraudulent accounts. 

XXXX XXXX XXXX Opened XX/XX/2023 {$320.00}
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HOPE BANCORP, INC. (CA)

This complaint is a follow up to a previous complaint filed ( Complaint ID XXXX ). With due respect, we strongly believe that the issue has not been properly resolved, and Bank of Hope remains liable for the substantial loss of funds resulting from their failure to follow proper procedures. 
On XX/XX/year>, a wire transfer of {$230000.00} was sent from my XXXX account to Bank of Hope Account # XXXX. The wire transfer instructions explicitly named the beneficiary as XXXX, XXXX and listed the beneficiary address as XXXX XXXX XXXX XXXX, XXXX, UT XXXX. 

Bank of Hope has stated that it did not open an account under the name XXXX, XXXX and that the account was opened in a third partys name. However, this raises a significant issue : Bank of Hope negligently released the wire funds to this account despite the fact that the beneficiary name and address could not have matched the wire transfer instructions. 

Key Issues : Failure to Match Beneficiary Information : Bank of Hope should not have released the funds because the beneficiary name and address specified in the wire transfer did not match the details of the recipient account. The discrepancy should have triggered an internal alert, leading to the rejection of the wire transfer. This failure to conduct basic verification is a breach of Know Your Customer ( KYC ) protocols and is directly responsible for the fraudulent disbursement of the funds. 

Partial Return of Funds : Bank of Hope has returned only {$7500.00} of the wired funds, leaving a remaining loss of {$220000.00} that was stolen by the fraudsters. This partial return is insufficient to absolve Bank of Hope of its liability. The institution remains accountable for the missing amount because the funds should never have been released in the first place. 

Lost Interest on Stolen Funds : The {$230000.00} was originally held in a high-yield savings account at XXXX earning 5 % interest per annum. Due to Bank of Hopes negligence, I have been deprived of the interest income on this amount since XX/XX/year>. Bank of Hope is liable not only for the stolen funds but also for the lost interest. 

Bank of Hopes Regulatory Failures : Under Anti-Money Laundering ( AML ) laws and the Bank Secrecy Act ( BSA ), Bank of Hope had a regulatory obligation to verify the account holders identity and ensure that wire transfers align with the stated beneficiary details. Their failure to comply with these regulations facilitated the fraud.