davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I have banked with XXXX XXXX XXXX for the past 16 years. I needed to withdraw {$600.00} cash for a construction project so I visited the branch at XXXX XXXX XXXX XXXX, NC XXXX United States. When I provided them my XXXX XXXX XXXX and they told me it was their policy to refuse the XXXX XXXX XXXX  card. I was unable to withdraw my money and the ATM is capped so I could not use my own money. 
If this is not illegal, it NEEDS to be. Banks should never be allowed to refuse a government issued photo ID, and I am currently working on changing to a new bank. But I would like to see the bank punished for what I consider theft of my funds. They accept my money with my XXXX ID, but wont give it back to me. PLEASE do something to keep them from withholding funds from America citizens.
Consumer complaint received 2024-07-04
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: Garrison Investment Group (DC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/XXXX, I discovered a total of {$3000.00} was transferred from my Sofi account to people I do not know. 

XX/XX/XXXX, XXXX transfers totaling {$3200.00} from my savings to my checking occurred without my authorization in the amounts of {$1500.00}, {$1000.00}, {$700.00}. 

XX/XX/XXXX, XXXX transfers were made to people I do not know totaling in {$3000.00} ( XXXX XXXX {$1400.00}, XXXX XXXX {$960.00}, XXXX XXXX again {$600.00} ). 

I called customer support on XX/XX/XXXX where they opened case XXXX for the dispute. I contacted sofi 2 times via chat for a status and they stated I must wait for an email. 

XX/XX/XXXX, I received an email stating, Based on our investigation, we do not find that an error has occurred. Therefore, no funds will be credited to your account as a result of your claim and this matter is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies, or if you have any further questions, please reply to this email or contact us at the number listed below. 

I called immediately on XX/XX/XXXX and was told that they will open an appeal. I received no email stating the appeal was opened so I replied to the original email on XX/XX/XXXX. The email included the details of how this was unauthorized. Also, if you tap on any of the transactions, the screen was blank. On legit transactions, there were details such as routing number, merchant, AHC ID, and transaction ID. This shows there was something wrong with these withdrawals. I also included a link and screenshot XXXX XXXX XXXXXXXX shows I am covered under the Mastercard Zero Liability policy. 

XX/XX/XXXX, I received the following email : We have received your request to appeal the decision on this dispute. You will need to provide documentation to support your claim that has not already been provided. Your dispute will remain closed until that information is received. Note : SoFi is unable to advise what is needed in order to appeal your claim. 

XX/XX/XXXX, I replied that I included the documentation in the XX/XX/XXXX email and requested a copy of the documents Sofi used in determining the final outcome of the investigation. 

On XX/XX/XXXX, I received an email stating my checking and savings accounts have been closed due to a violation. When I called, they stated I can look up the agreement online which was a very large document and I couldnt find what I did to violate the agreement. They transferred me to another department who said my appeal is still open. Now I can not see my past transactions. Fortunately I took some screenshots but this all seems suspicious. 

As of today, XX/XX/XXXX, I still have not received contact regarding this issue or the copy of the documentation.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Unknown inquiry from the company " XXXX XXXX '' on the date of XX/XX/2019, they have no proof of permissable purpose without a signature.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

On XX/XX/XXXX in the early morning, my car was broken into and my wallet was stolen from my center console. Inside my wallet was my debit card with chime. I woke up to XXXX charges for {$120.00} & {$10.00}. I immediately cancelled my card and reached out to chime in order to file a dispute. They assured me that once the dispute was filed, I would receive a provisional credit for the fraudulent charges. I filed a police report with my local station, as well as provided my phone records showing that I was at home at the time the charges were made. I received an email today stating that the fraudulent charges were not eligible for a provisional credit, and I reached out to chime for clarification, but they refuse to give me an answer. They keep wanting me to file a new dispute when I already have an active dispute.
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I had a reservation for XXXX XXXX XXXX located in XXXX XXXX. Upon checking in the clerk informed me that it would be twice as much as quoted from what I prepaid. I refused to pay anything additional than what I was quoted. Insurance was mandatory, and if I refused the insurance a {$2000.00} deposit plus a {$200.00} gps tracking fee would apply.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have recently discovered a collection for [ XXXX ] from [ Portfolio Recovery Associates ] on my credit report. I believe this debt is inaccurate because I have never done business with this company, This account is not mine, This debt is from someone else with a similar name .I have already contacted the debt collector, and informed them of the error. However, they have not taken any steps to correct my credit report.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

I have recently discovered a collection for [ XXXX ] from [ Midland Credit Management ] on my credit report. I believe this debt is inaccurate because I have never done business with this company, This account is not mine, This debt is from someone else with a similar name .I have already contacted the debt collector, and informed them of the error. However, they have not taken any steps to correct my credit report.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (AZ)

My Direct Deposit was not processed as per usual around XXXXXXXX XXXX. I called Chime Support to ask why that was, they said it was due to a bank holiday. I said I received my check on Wednesdays not Thursdays. They seemed to be holding my check. They said I would receive it on Friday. I felt harassed. The worker took no responsibility for the lack of adequate service and the look of fraud on his end.
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CT)

This is a Fraud account by this Fraudulent company. This company goes by the name of US BankXXXX . This is not the actual US Bank, this is a collection agency with an address that is listed with the credit bureaus however " permanently closed '' when you investigate it online. 

They are using an old legitimate account from XXXX that was paid off in XXXX and are trying to collect on it. There was no data available before or after and then they reported with no record of evidence that in XXXX that I was late, to make a debt. It is a scam! They have since resubmitted the debt every month as if it is current. The scam is that they fraudulently created a new debt and listed it as XXXX, XXXX, and XXXX day late payments in XXXX, XXXX, XX/XX/XXXX that NEVER OCCURRED. This is FRAUDULENT and I do not recognize this debt or US Bank/Elan XXXX 

They have shown no record of this account. We contacted them on XX/XX/XXXX, which we have those conversations recorded, when we spoke to several agents and managers who could not confirm any payment charges or histories in my name. I asked them, begged them to please send me something in writing and only XXXX XXXX said " I can only put in a request to send you something in writing. '' This is about me we are talking about and something that effects my credit report so intensely. I asked the last supervisor, " If I participate in your 'shake-down ' and just pay your ransom of {$690.00} just to make all of this go away, will you report it to the Credit Bureaus ''? 
Her response, " I can't guarantee that. '' I have disputed this through XXXX, showed them evidence of how they do not have even a legitimate address and they will not provide any proof of any kind of my ownership of this account and they do not show any evidence of their findings as to why they still allow this company to be on my credit report even though I have stated that I do not recognize this debt. 

XXXX  XXXX XXXX XXXX requires in Section CGS 52-576 XXXXix ( 6 ) years Statue of limitations for debt collection actions resulting from simple and implied contracts. Even on the Credit Reports it SHOWS PROOF my last payment was XXXX, not XXXX! The Fraud lies in the XXXX, there is no data thereafter XX/XX/XXXX of a payment.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.
Consumer complaint received 2023-08-31
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-08-20
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. (SC)

I am writing to formally dispute a collection account listed on my credit report. The account in question is being reported with late payments after the closure of the account, the documentation i have shows that company did not state any items will show late, nor did i sign anything given permission which I believe to be inaccurate and potentially unlawful. The details of the account are as follows : XXXX XXXX : XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> My dispute is based on the following federal statutes : 15 U.S.C. 6802 XXXX XXXX XXXXXXXX - Privacy Protections ) : This statute regulates the disclosure and handling of nonpublic personal information by financial institutions. The reporting of late payments after the closure of the account may involve unauthorized disclosure or improper handling of my personal financial data. The accuracy of this reporting suggests that there may have been a breach of privacy protections.

15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purpose ) : This section stipulates that a credit report can only be accessed and reported under specific permissible purposes. I question whether the collection agency had a valid and permissible reason to report late payments after the account was officially closed. Any such reporting without proper authorization or permissible purpose may be a violation of this provision.

18 U.S.C. 1028A ( Identity Theft - Aggravated Identity Theft ) : This statute addresses the use of another person 's identification to commit certain felonies. If the late payments being reported after account closure involve fraudulent or inaccurate information, this may suggest an issue of identity theft or misuse of my personal data.

Based on these concerns, I request that you conduct a thorough investigation into this account. Specifically, I seek the following : Verification and proof that the collection agency is authorized to report late payments after the account was closed.

Documentation demonstrating that the collection agency had a permissible purpose for accessing and reporting this information.

Evidence that my personal financial information has not been mishandled or improperly reported.

Until this matter is resolved and the account is verified, I request that the collection account be marked as Disputed on my credit report. Please provide written confirmation of the investigation results and any updates or corrections made to my credit report as necessary.

I appreciate your prompt attention to this matter and look forward to your response within the timeframe required by law.

Thank you.
Consumer complaint received 2024-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

XXXX XXXX sent a debt that I did not owe to National Recovery Agency and it dinged my credit report by over XXXXXXXX XXXX. The debt is not mine, I have not used XXXX XXXX since XXXX  when I CLOSED my account. I filed an identity theft report with the FTC as well as this is not my account and the phone number associated with the account is not mine.
Consumer complaint received 2024-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NV)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ XXXX ACCT : XXXX ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity.

* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX : * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2024-07-06
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (KY)

Amazon store card was in excellent standing, i started it in XX/XX/year> at {$300.00} limit... I was increased to {$500.00} limit and never was late on my payment... Everytime I made a payment it took minimum of 5 days to post i did nothing wrong and was building my credit to have them take it from me and diminish my score not fair and not acceptable i wish to seek legal action if it's something i can pursue... They also said i had a rejected payment and the same day it was rejected it was also accepted ( enclosed is a screenshot ) that is their reason for canceling my account.. i don't understand why they can do that they really screwed me up
Consumer complaint received 2023-04-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (WA)

I have Private student loans through Navient which currently sit at a loan balance of {$66000.00} I am having several issues with this company. I have gone bankrupt twice. First time in XXXX and the second in XXXX. Both times I was told that my student loans could not be discharged without an adversary proceeding and proving undue hardship which I know to be almost impossible to do. I have a private consolidation loan that Navient has continued to collect on even though I went bankrupt. My dad is my cosigner on the loan who has also gone bankrupt in XXXX. I have continued to pay because I dont my dads credit report to be ruined. I have sent Navient my discharge papers and they wont respond. I have also requested all the information they have on the loan and they sent me the promissory note and the application which I had a lawyer look over and the lawyer said that it doesnt make any sense and that there is a lot of information missing. The lawyer called Navient with me on the line and requested that they send more info so we can figure out the origination of the loan. We spoke to a supervisor who seem very helpful and said that he assured me that he said a very large Manila envelope and I should be receiving it in the mail within the week. About a month has passed and I havent received anything and when I ask they are clueless. I am also a full class member of the Sweet v. Cardona lawsuit and my federal student loans are in the process of getting discharged. The school that I went to are XXXX XXXX  and XXXX XXXX XXXX both of which are on the list of schools in the lawsuit. I have seen an article the CFPB has written about heightening its scrutiny against private student loan servicer on people who have gone bankrupt. I need help in figuring this all out. I am not sure if I am allowed to attach bankruptcy discharge papers which person info on it but will send upon request.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. 

The details of these accounts are as follows : XXXX XXXX XXXX, Acct # XXXX, XXXX XXXX, Acct # XXXX & Acct # XXXX, Jefferson Capital, Acct # XXXX, XXXX XXXX, Acct # XXXX and XXXX XXXX, Acct # XXXX These companies are 3rd party debt collectors. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and CAN NOT be reported to your credit report. It is important to have these accounts removed immediately. 

I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

XXXX, XXXX, and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by XXXX XXXX XXXX, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. Section XXXX ( a ) ( XXXX ) of XXXX XXXX XXXX states that a consumer reporting agency XXXX furnish a consumer report only in accordance with the written instructions of the consumer. 

Neither the financial institutions, XXXX XXXX XXXX, XXXX XXXX, Jefferson Capital, XXXX XXXX, and XXXX XXXX nor the consumer reporting agencies, XXXX, XXXX, and XXXX, have my consent to furnish this information, and they certainly do not have my expressed written consent. Any previous consent given to, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now REVOKED. 

The Furnishers of Information to credit agencies including : XXXX XXXX XXXX, XXXX XXXX, Jefferson Capital, XXXX XXXX, and XXXX XXXX  did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Accounts that are being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX XXXX XXXX, XXXX XXXX, Jefferson Capital, XXXX XXXX, and XXXX XXXX are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services.
Consumer complaint received 2023-07-28
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: AFNI INC. (MI)

AS OF XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT AFNI , INC . Original creditor : XXXX XXXX XXXX XXXX Contact info Name AFNI , INC . Address : DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT. 

A police report was filed back in XXXX for this fraudulent account. I submitted all required documentation to the FTC, Michigan Attorneys General office and the XXXX. Yet, this fraudulent accounting is still being reported by afni. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b.