davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, La. XXXX XXXX Date : XX/XX/year> RE : Complaint Regarding Debt Collection Practices by LVNV Funding Dear CFPB I am writing to file a complaint against LVNV Funding for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Account Details Account Number : ( XXXX ) Nature of Complaint I have received collection notices from LVNV Funding regarding an alleged debt. I have disputed the validity of this debt in writing on two separate occasions. 
First Dispute Date : ( XX/XX/year> ) Second Dispute Date : ( XX/XX/year> ) In my dispute letters, I requested debt validation as outlined in 12 CFR 1006.34 and its subchapters. LVNV Funding failed to respond to my first dispute entirely. They responded to my second dispute with a letter that did not validate the debt. Instead, they sent a stall letter offering account statements and payment history. 
I did not request account statements or payment history. My request was solely for debt validation, which includes verification of the original creditor, the amount of the debt, and ownership of the debt. 
LVNV Funding Never Provided Proof of Service LVNV Funding claims I have had the opportunity to dispute this debt. However, they have not provided any proof of service for any previous collection notices they may have sent. I have never received any certified mail with a tracking number addressed to me or signed for by me.

Request I request that the CFPB investigate LVNV Funding 's debt collection practices in this matter. Specifically, I request : LVNV Funding be required to validate the debt according to 12 CFR 1006.34.

LVNV Funding cease all collection activity until the debt has been validated.

If the debt can not be validated, LVNV Funding be required to remove all negative information about the debt from my credit reports.

Thank you for your time and attention to this matter. I look forward to your response and the resolution of this complaint. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-06-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OK)

I spoke with Navient to update my rate reduction program, it expires every 6 months. I spoke with a manager named XXXX, who was very rude, and a customer service representative. My current payment is XXXX and they wanted to raise my payment to XXXX. I do understand that this is a stair stepper program where they increase your payments but they have never increased it by that much. I gave them all my financial information to let them know how much I had left over and they still refused to lower my payment. I am very loyal in paying my payments on time. Financially I can not make that payment. They said they were still giving me a break because I would not have to pay the full amount {$900.00}. That is why I am on a rate reduction program to make lower payments. I know Navient has tried to make clients pay more than can. I am not trying to out run my payments I am trying to pay.
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

Re : CASH APP via XXXX XXXX  XXXX On XX/XX/XXXX i noticed a {$3300.00} withdrawal from my new cash app card in the amount of XXXX I immediately tried to dispute because I had never used the card for a purchase at XXXX. When I went to the dispute link it had my brand new card last four numbers to XXXX with not account number or name. The cash app said pending and to wait until 3 days after which the choices are to cancel the card wait two weeks for a new one or block business both actions would not give me an open account to place my money back into my account. When the last card I had someone tried to pull money out of it I made a suggestion to CASH APP that the company place a widget option on the customer end when people try to pull out of our account that allows us the control to pay, deny or to block the charge when we did not make the transaction or are not prepared to pay it for auto withdrawals. 
That would have resolved it and since then they have not done it and saying that it could take up to 45 days for a refund. That money was for my phone bill I had just transferred it and now my phone is off because of this fraud and they would not give me a Company phone number claiming to not have one, nor a contact phone number for wellsfargo or XXXX XXXX. Told me it would take up to 45 days to get a response and that is entirely to long for a refund that took them three days to take out of my account. The US needs to install regulations requiring all electronic payments to have that extra step which gives the consumer control over handing over the transfer of their money. I requested that it not be paid while it was pending and they did it anyway ;
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My husband and I were victims of a sim swap attack on XX/XX/year>, where our money and identities were stolen. The perpetrators obtained a copy of my driver 's license and with this information they were able to transfer money from the HELOC to our checking 's and savings accounts for theft. They then went to a Citizen 's Bank XXXX XXXX ( XXXX XXXX XXXX ) branch in person and withdrew the money in the form of XXXX checks consisting of {$38000.00}, {$34000.00}, and {$32000.00}. 

[ XX/XX/XXXX ] My husband noticed the unauthorized transaction and went to a branch nearby to try and resolve the issue. He requested the checks to be canceled but both the branch managers ( XXXX and XXXX XXXX ) say they can't do that. We also phoned the bank to file fraudulent complaints the same day. 

[ Week of XX/XX/XXXX ] We decided to go to a different branch, and one of the employees there was able to help us re-file fraudulent complaints. She also explained that checks can indeed be canceled. 

[ XX/XX/XXXX ] After weeks of communication and filing, the bank sent mail that stated that the transactions were indeed fraudulent, and that permanent credit is now granted. 

[ XX/XX/XXXX ] Received email of overdraft on account. 

[ XX/XX/XXXX ] Went to the XXXX XXXX branch and asked employee why this is happening. Employee stated that the bank is having trouble correcting the balance of the account and that they are confused since there was so many fraudulent transactions that occurred and to give them some time. She stated it was an internal issue, they are still looking into it. We also sent an email to the employee with a copy of the police report and requested that she forward it to the fraud teams. 

[ XX/XX/XXXX ] Received email overdraft notice again. When to the branch and the employee said to let the bank handle it. 

[ XX/XX/XXXX ] Mail on final notice of overdraft and that there may be negative impact in XXXX.
Consumer complaint received 2024-07-15
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. (TX)

1. XXXX Account # XXXX - delete immediately - update monthly payment amount - show documentation of how the late payment reported on XX/XX/XXXX was confirmed to be accurately reported and verified. 
- How much was paid XX/XX/XXXX? 


2. XXXX XXXX XXXX account - delete account I do not want Experian to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 

3. XXXX account ( this account is reporting negatively, within the payment history it is coded as collection account instead of closed, provide documentation showing this was or is a collection account, provide proof that this account was late or owed a balance ) - delete account I do not want Experian to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 

4. Dept of Education - delete account I do not want Experian to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 
- Provide proof showing there was no payment made on XX/XX/XXXX, the report shows previous month to be on time yet the following month shows 90 days past due. 
delete immediately.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NV)

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. Account name : Account name : XXXX XXXX account # XXXX 15 u.s.c 1681 SECTION 602 a. States i have a right to privacy XXXX U.S.C 1681 SECTION 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Chase bank has refused to resolve an issue regarding my debit card not being able to be added to XXXX XXXX. Ive contacted XXXX and the issue is the token that is assigned to my debit card to be added to digital wallets needs to be deleted by the card facilitator by the request of Chase bank so a new token can be authorized. Ive tried to resolve this with Chase for over a week and have spent hours on the phone to get nasty XXXX customer service and attitudes from unqualified nasty XXXX representatives and supervisors on these recorded lines, a XXXX XXXX joke. I even requested the supervisor from one of the several wrong departments I was transferred to, I requested if we could do a conference call with XXXX and XXXX to resolve the issue since it is being flagged by XXXX as why the card cant be added and had to argue with some nasty XXXX lady supervisor on the XXXX phone and the issue still isnt resolved. XXXX doesnt give a flying XXXX about customer service on their phone support.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NV)

Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 15 USC 1692g,15 USC 1666b,15 USC 6801,15 USC 1681A2 , 15 USC 1681S-2 . 
This is not my account. This is being reported in error. FCRA requirements met and pursuing litigation. All data furnished, inconclusive and not accurate. Past the XXXX days to acknowledge the violations of FCRA, therefore immediately remove. 
Under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation into disputed items within 30 days of receiving notice of the dispute. The failure to comply with this provision constitutes direct removal. 
15 USC 1681S-2, 15 USC 6802 , 15 USC 1681 ( a ) ( c ), 15 USC 1681C-2 , 15 USC 1681A2 ( ai ), 15 USC 1681 Section 602 , 15 USC 1681 Section 604A ( 2 ), 15 USC 1681a, 15 USC 1666B I dispute inaccuracies on my credit report citing FCRA Sections 611 & 607 ( b ). Request prompt investigation and correction. Provide written investigation results and updated report. Prepared to seek compensation for non-compliance. Ensure FCRA adherence.
Consumer complaint received 2024-07-09
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: WELLS FARGO & COMPANY (NV)

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. Account name : Account name : XXXX XXXX account # XXXX 15 u.s.c 1681 SECTION 602 a. States i have a right to privacy 15 U.S.C 1681 SECTION 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-12
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. (AR)

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. 

XXXX XXXX XXXX {$12000.00}
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

Sometime last year I was sent a letter from child support, that they would have leans on my accounts and wages to pay off the debt. Since then Ive seen money leave my account, and taken from my wages. There were even times money would leave my back account, and then post back to it. So I didnt think much of it. This year while doing my taxes I came to find out my entire return went to child support, and that didnt make sense because of the leans. That prompted me to look through my account and its transactions. Come to find out there were a lot of unauthorized purchases. I reported them, talked with the bank, answered questions, and explained the whole situation. They have since denied my claim, and told me that an appeal was out of the question. I felt that was highly unacceptable, and not right seeing as how they have a XXXX liability policy regarding unauthorized purchases. Ive done my own research and seen a common tactic of people stealing, or committing identity theft is to intercept the packages before theyre delivered to the door, or snatch them up before anyone in the house realizes theres a package outside.
Consumer complaint received 2024-08-21
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. (FL)

hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX XXXX XXXX XXXX there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report according to the FCRA, that is illegal.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (OH)

I was a victim of a scam on XX/XX/XXXX for XXXX dollars. I transferred a deposit to an individual for a couch as the person said they were moving and didn't need it. I never received the couch. I filed a complaint through Zelles website on XX/XX/XXXX after my bank denied the claim and advised that I reach out to Zelle directly. I received an automated response that they take these situations very seriously and found that my account was closed without notice or information on XX/XX/XXXX. I reached out by phone on XX/XX/XXXX. The first representative I spoke with stated that I was a participant to a scam after I repetitively told her what happened. I left the call in tears. I called back and spoke with a wonderful representative who reinstated my account, explained that she could tell that I didn't use my account for any suspicious activity and only send to 2 people. She resubmitted my claim on my behalf to try to assist in return of my funds and stated that this stuff happens and that they may be able to get my money back. I tried to log in again on XX/XX/XXXX to find that my account was closed again without any notice or explanation. I called Zelle again today, XX/XX/XXXX, and was told that they suspected fraud and that they have no protection against the funds and they can't tell why anything was closed and just to get a new phone and a new number. I called again because I was baffled because I was a victim of a scam. The second person I spoke with told me again that they can't see why it was flagged but that it was fraud. I asked if because I filed a claim against the person who scammed me and they closed my account she said, well I never said that but it was closed again and that could be. I asked for a supervisor and she refused to transfer me and said she would have someone call me. This is not the first time I was told someone would contact me and it never happens. I have tried multiple times to get this issue fixed and I'm blown away that I can't get answers on why they are closing my account when I was the victim to a scam. I also can not access any history of what number I sent money to as my account was closed and with it goes all of my information.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPORTUN FINANCIAL CORPORATION (GA)

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 2024-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION (UT)

Industrial and Commercial Bank of China earlier demostrated they won't charge any service fee if I keep my balance above {$1000.00}. However they recently changed their rule, and secretly made it to be {$1500.00} but never officially notified me or never let me to sign any new agreement. And then they chraged me {$15.00} * XXXX because I only had {$1000.00} in my account on XX/XX/XXXX and XX/XX/XXXX. 

Please see the attached of my email box, there is not any official notification from them except the monthly statements.