davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (IL)

Follow up on " XXXX '' - the bank responded : " '' We've confirmed - no neew bank accounts or Dell Pay Credit Accounts were opened in your name. We're unable to find an account ending in XXXX, as referenced in your correspondence. '' It's ( XXXX ) - XXXX XXXX XXXX XXXX, learn how to read, if stealing money from people is what you do best- you should still know how to read. 


COMENITY CAPITAL BANK opened a new account ( XXXX ) under my name, without my consent or any involvement, which includes a charge with interest and fees under my name, which they keep increasing and submitting to Credit Bureaus ruining my credit score. The account I had opened with Dell Financial/bank was : XXXX It can clearly be seen from the Dell Financial Services email confirmation for {$150.00} Autopay setup here ( XXXX ) : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Momnt Technologies, Inc. (CA)

I attended XXXX session of an advertised treatment program. Unfortunately, the treatment did not produce the promised results by the unlicensed medical clinic. I was informed that unsecured credit would be extended for sessions. There was no clear information regarding cost per session, including cancellation policy as well as potential risks and downsides. 
Because of severe discomfort after the first session and the risks involved as I am XXXX XXXX XXXX at that time, I informed XXXX XXXX XXXX that I will discontinue. I offered them to pay for the first session but they never responded. 
My lawyer sent them a letter as well as Momnt XXXX who is sending me the bill of {$8500.00}.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

Fraud Complaint File # XXXX XXXX XXXX to Well Fargo XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to XXXX, XXXX XXXX : XXXX XXXX XXXX Fraud XX/XX/2023 - Initial fraud with cash advance to checking account. 
Credit Card XXXX Online cash advance {$500.00} - # XXXX Online cash advance {$500.00} - # XXXX Interest Charge {$5.00} These transactions were not authorized or initiated by me. 
No one has access to my credit card. 

XX/XX/2023 - Cash advance deposited into checking account and the following listed occurred. 

Checking Acount XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$250.00} REF # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$250.00} REF # XXXX XXXX XXXX XXXX XXXX {$500.00} REF # XXXX These transactions were not authorized or initiated by me. 
No one has access to my checking account. 
I have no knowledge of the above noted people. 
I always use the 2 step verification system for account access! 

Only XXXX XXXX is listed on my XXXX account list. There are no other recipients listed. 
I did not receive email transaction confirmations of the above noted transactions. 
Account ... XXXX is a new account transferred from ... XXXX on XX/XX/2023 due to fraud. Old account classified in Lost/Stolen status. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (NY)

As a XXXX XXXX customer, I sometimes see the page located at : XXXX XXXX XXXX  If you look toward the middle of the page there is an offer that states : " When you apply directly through your XXXX XXXX  agent , you can earn up to 5 % cash back on insurance premium payments for the first year with any of the XXXX XXXX XXXXXXXX XXXX XXXX cards . '' The issue with that is that my agent does not find a way to accomplish that, so I contacted XXXX XXXX  customer support, and they suggested I contact another agent and or the bank directly. The next agent I contacted stated they could not find a way to provide the special offer. I messaged US Bank on the platform formally known as XXXX, they gave me the phone number to cardmember services ( XXXX ), I pressed XXXX for people who did not have their card, and explained what I was trying to accomplish, she transferred me to a different " financial institution ''. I write it like that because they did not seem to want to identify themselves. Now I am here.
Consumer complaint received 2024-07-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (GA)

Through discovery of checking my consumer report, I found that IQ Data International Incorporated was listed as an alleged debt owed. 

I have no contractual obligation to pay any alleged debt from IQ Data International Incorporated. Please see attached refusal to pay and notice of lawful expression of consumer rights.
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

This company is report damaging inaccurate collection information on my credit report. I ask this company to provide me with original contract with my signature stating that I owed this debt. This company is reporting past due amount and late payment which is also damaging my credit monthly. I have also disputed this account via XXXX which was verified accurately. I have asked XXXX to provide with original contract and signature and the method of verification which they have failed to do as well. I just want it to be fair by removing this damaging account off my credit report
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I had fraud on my Wells Fargo check and credit card accounts totaling {$6000.00}. {$3000.00} of the funds were refunded XX/XX/XXXX and an additional {$2000.00} on XX/XX/XXXX however {$1000.00} remained outstanding as explained by the bank " refunding that amount would have caused my check account to become overdrawn ''. 

When reviewing my XX/XX/XXXX bank statements I noticed I was being charged interest for cash advances on my credit card and upon enquiry I was informed that was from the {$1000.00} that remained unsettled from the fraud in XX/XX/XXXX. 

I have sought resolution from the bank to have the interest charged refunded as I do not feel it is fair business practice that I am : - A ) being charged 29.24 % on funds that were part of a fraud / theft - B ) compounded that I am being penalized for the various bank policies that prohibit the return of the final {$1000.00}. 

XX/XX/XXXX I received final notice from the bank that the bank has closed my case. 

What I am failing to understand is why I am being penalized in any way for funds that were fraudulently taken from my account - either with the lack of the full return of funds or interest charged on transactions I have not incurred.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MD)

Dear CFPB, I am writing to file a formal complaint regarding a dispute with Chime over XXXX fraudulent transactions on my account. The transactions in question are as follows : On XX/XX/year>, a transaction of {$50.00} was made at XXXX XXXX XXXX ( Transaction # XXXX ). 
On XX/XX/year>, a transaction of {$1700.00} was made at XXXX XXXX XXXX ( Transaction # XXXX ). 
I immediately contacted Chime upon noticing these unauthorized transactions and explained to them that I do not have an account with XXXX XXXX XXXX. Additionally, I reached out to XXXX XXXX XXXX, and they confirmed that I do not have an account with them. 

I requested that Chime provide evidence from the merchant showing that these transactions were processed with my authorization. Specifically, the merchant should be able to provide details of my account if, in fact, I have XXXX with them. Despite my request, Chime has refused to obtain or provide such evidence. 

This situation has caused me significant XXXX  and financial inconvenience. I am seeking your assistance in resolving this matter and ensuring that Chime complies with their obligations to investigate and resolve disputes involving unauthorized transactions. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Enterprise Systems, Inc. (GA)

I received a random phone call on my private home phone from a company called National Enterprise Systems at XXXX, when the woman came on the phone she demanded to know who I was and I expressed that I did not identify myself to a strange caller but if they want to ask for someone specifically, then I would let them know if " that '' person can be located at my number. When she would still not identify who she was calling, I asked for a supervisor and the supervisor came on the phone and tried the same tactic, refusing to say who they were calling at my number. I warned them that such a call is considered harassing when they can not identify who they are calling and demand my information without knowing who they are speaking with. This is not the first time they have called my number and refused to ask for a specific person, then claimed to take my number off their list. This is harassing and in my view, a harassing tactic to try to get consumer information without identifying who they are calling. I have had my number for over XXXX years and do not have ANY debt, but do have a verifiable Identity Theft on file so, not identifying who they are calling comes across as threatening and abusive... I have zero tolerance for this sort of harassment! I have recorded the call this time and fully intend to pursue harassment charges if this can not be settled reasonably.
Consumer complaint received 2024-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

Dear United Revenue, Thank you for your response dated XX/XX/XXXX, regarding my concerns submitted through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, case # XXXX. 

I appreciate your effort to address my complaint. However, I must insist that the issues I raised have not been resolved satisfactorily. 

You state that your initial letter containing legally required disclosures was mailed to me on XX/XX/XXXX, but it was not sent via certified mail. Without proof of delivery, there is no verification that I actually received this letter. As per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request verification and validation of the debt. This must include detailed accounting of the charges and any agreements or contracts that substantiate my responsibility for this debt.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies must provide accurate information and correct any inaccuracies. As I dispute the accuracy of this debt, I am formally requesting that you immediately delete the disputed account from my credit report until you can provide sufficient verification of the debt. Failure to do so is a violation of the FCRA and can result in legal penalties.

Your acknowledgment that the initial letter was not sent via certified mail further supports my claim that I did not receive the necessary notifications. Additionally, I require proof that the debt in question is valid. This includes a copy of the original signed agreement and a detailed account of all charges leading to the alleged debt.

If you can not provide the requested validation and proof of delivery, you are in violation of both the FDCPA and the FCRA. Continuing to report this disputed debt without proper validation constitutes defamation of character and a violation of my consumer rights under 15 U.S.C. 1681n and 1681o, which provide for civil liability for willful and negligent noncompliance.

The fair resolution for this matter is to have the disputed information deleted from my credit report immediately. If you fail to comply with this request, I will have no choice but to pursue all available legal remedies, including filing a lawsuit for damages under the FDCPA and FCRA, which could result in substantial penalties and damages awarded against you.

Your prompt attention to this matter is required to avoid further legal action. I expect a response confirming the removal of this disputed information from my credit report within 15 days of receiving this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MI)

On XX/XX/year> I XXXX XXXX contacted PNC bank regarding my checking account being overdraft due to unauthorized charges. I was told that I would receive a provisional credit and will be notified once the investigation was over and if charges were going to be reversed I will be notified of a date prior to. I never received anything from the financial institution but on XX/XX/year> one of the many credits for XXXX was reversed. According to 15 usc 1693f ( 3 ) the financial institution has 10 days to investigate and get back to me yet I havent heard anything and its XX/XX/year>.
Consumer complaint received 2024-07-03
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: LEXISNEXIS (NY)

I request that you investigate and remove these two fraudulent Claims from my client 's lexisneixs CLUE report immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide us with all relevant documentation related to these in LexisNexis. Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. My privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. List of claims that needs to be removed : XXXX Records Date of claim XX/XX/XXXX XXXX of Claim : XX/XX/XXXX XXXX Date of Claim : XX/XX/XXXX
Consumer complaint received 2023-12-03
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I submitted all pay stubs they asked for for 30 days. It was XXXX dollars earned for 30 days of work they claim they never got the other pay stubs. I have submitted everything they asked for. I get a letter they didnt get it XXXX so sick of this with this company I am about ready to refinance my mortgage with another company.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the 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 2024-07-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

The company is repeatedly calling me for a debt that I do not owe. I called in and asked if I owe a debt, they asked for my name, I provided it. The lady on the phone ( her name started with XXXX  ) from Portfolio Recovery Associates said she did not see any debts in my name. I asked her for the information for the debt as it was connected to my phone number, she declined to answer that information. I informed her that now that we know the debt is not owed by me, I WILL not be receiving any more calls from their debt collection agency. She said 'hopefully you won't! '. No, I will NOT be receiving any more calls regarding debt I do not owe. If I receive even one more call, I will reserve my right to reach out to my attorney and sue in XXXX XXXX. It is federal law that you stop calling me once you declare that I do not owe you anything.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

my account was closed on XX/XX/XXXX by chase bank they said they would mail out my funds in XXXX business days after that and they never did they said they are checking for fraud and all my money was from investments and my jobs direct deposit along with a business I just started someone gave me some startup money to start my business directly into my account so I was investing in bitcoin and other things as well I called on XX/XX/year>, they said that on XX/XX/year>, they would have my check ready to mail out for over {$52000.00} dollars XXXX debit account letter was sent to me on XX/XX/year>, they are still looking into my account for more information since then I can hardly pay my bills and my chase credit card balance couldn't be payed on time because they have my money held up
Consumer complaint received 2024-07-04
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: AMERICAN HONDA FINANCE CORP (MD)

I am writing to bring to your attention the issue of unauthorized hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act, any hard inquiries that were made without my request are eligible for removal from my credit report. 

I kindly request your prompt assistance in removing this unauthorized hard inquiry to restore the accuracy and integrity of my credit report. Your cooperation in resolving this matter expediently would be greatly appreciated.
Consumer complaint received 2024-07-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: VEROS CREDIT, LLC. (FL)

I am writing to respond to your recent letter and to further investigate this matter. Upon reviewing the documents you provided, I am convinced that this is a clear case of identity theft. I can categorically state that : - I never owned the vehicle in question - I never registered the vehicle under my name- I never resided in the city mentioned To support my claim, I have attached my identity theft report. 

Furthermore, I have been disappointed with the unprofessional and rude manner in which your team has handled this matter. I expect a higher level of service and respect, particularly when dealing with sensitive and stressful issues like identity theft. 

Please investigate this matter further and take immediate action to correct my credit report and remove any associated fraudulent activity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-07-03
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Selene Holdings LLC (FL)

Hello, my name is XXXX XXXX, I had a loan with XXXX XXXX, they promised to modify my property and they did not do it, they transferred it to XXXX XXXX and they did not comply with it, they transferred it to Selene and they want to put the property in court, they do not assert payments, please, I need help lr I want to pay and they don't confirm payments thanks
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Greetings, I have reached out to Equifax and have asked them could they report missing credit cards to my report and have not gotten a response. By adding these credit card accounts would greatly help my credit score that will enable me to purchase my first house. I really do appreciate the hard work that comes from the employees at Equifax and from the CFPB. I really look forward to getting this small but impactful issue resolved. Thank you very much for your love and consideration. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC (GA)

Company/date - XXXX XXXX XXXX XX/XX/XXXX Company/date- Global lending Service XX/XX/XXXX Company/date- XXXX XXXX XXXX XX/XX/XXXX The fraudulent accounts listed above is not mine. 
I have not supplied proof under the doctrine of estoppel silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (GA)

Company/date - Midland Credit Manag XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The fraudulent accounts listed above is not mine.

I have not supplied proof under the doctrine of estoppel silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists