davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STATE EMPLOYEES CREDIT UNION (NC)

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint and Dispute Against XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally lodge a complaint and dispute against XXXX XXXX XXXX for their violations of federal consumer protection laws XXXX The agency has infringed upon my consumer rights in several ways, as outlined below : XXXX. Failure to Provide Validation Information : XXXX XXXX XXXX has failed to provide the necessary validation information required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my repeated requests, they have not furnished any documentation to substantiate the debt they claim I owe. This lack of validation is a clear violation of my rights as a consumer. 
XXXX. Reporting to Consumer Reporting Agencies : Despite their failure to validate the alleged debt, XXXX XXXX XXXX has unlawfully placed a collection account on my consumer report. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), they are prohibited from furnishing any account information to a consumer reporting agency without first providing all required disclosures and validation. This action has adversely affected my credit score and financial standing. 
XXXX. Denial of Dispute Opportunity : I have not been given the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The agency has not informed me of my right to dispute the debt within the specified period, further violating my rights under federal law. 
XXXX. Use of Deceptive Practices : XXXX XXXX XXXX has employed false, misleading, and deceptive means to collect the alleged debt. Their actions constitute a clear violation of consumer protection laws and have caused me undue stress and inconvenience. 
Given these violations, I hereby dispute owing any debts to XXXX XXXX XXXX. Furthermore, I revoke all rights for them to communicate with me through email, text, or calls. I request that they provide the following documentation within 30 days : * Debt validation and verification of the alleged debt. 
* The purchase agreement between XXXX XXXX XXXX and the original creditor. 
* Proof of XXXX XXXX XXXX 's licensure and bonding status. 
I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against XXXX XXXX XXXX to ensure compliance with federal laws. Additionally, I ask for the immediate removal of the collection account from my consumer report and any other appropriate remedies. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-13
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit information with your organization has been compromised. While reviewing my records, I found numerous files that do not belong to me. As I am thorough in my research, I discovered that under section 605b of the FCRA, you are legally required to remove any items found to be opened due to identity theft. The disputed items are not mine. I am attaching the necessary FTC Report and the bank 's records, as both parties require these documents. Please block and remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditor Advocates Inc (IA)

This debt was written off in XXXX, 8 years ago. It's a medical debt saying I owe {$90.00}. When I attempt to dispute the debt via their website, I get an error regarding their domain name. The website for requesting the name and address of the original creditor does not work. The domain to dispute the debt does not work. I called the office and there was no answer. I do not want any communication with this company, I dispute this debt.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

My XXXX check was deposited XX/XX/2023. These funds was put on hold and no valid explanation as to why. I explained to numerous supervisors that this was a government XXXX check and to this date I still have not had access to my funds
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2023 I saw the Wells Fargo advertisement about opening an Everyday Checking account and receive {$300.00} bonus if I follow the terms and conditions. There was a specific sign up bonus button to use, I was taken on the site and signed up. The requirement is I have to have {$1000.00} direct deposit with in 90 days upon opening the account, the deposits were from my work and not transferred money. After 90 days, I haven't received the bonus and when I googled, it says I have to wait another 30 days because the bank has to check if I qualify which I know I did. After the 30 days, still nothing and so I called WF and I was told there was no promotional code linked into my account. Because I know I followed the procedures and I qualify, I insisted and was transferred to a lady who gave me a request code, she talked to me making sure I understand the terms and conditions which she told me that clearly I did understand, she submitted a request for me to get that bonus. She said it'll take 10 days until I hear back from WF. After the 10th day still nothing, I called the bank and was told it was still denied because I don't have the promotional code. There was nothing on the site that says I should receive a promotional code, I clicked on the button they said I should use to sign up.
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BlockFi Inc (CA)

recently when I was yelling at kroll reps on the phone and i was told they didn't have any information about me, and I needed to submit XXXX  documents to them. now it comes out that they had information about me and were " hacked '' and leaked it. i have already been receiving threats due to the criminal conduct of XXXX/kroll/XXXX/XXXX etc . I demand to know what information they had, and who " hacked '' it. ( or more likely who sold it to whom ) I also want kroll to start paying me for a personal security force to defend myself from bodily harm due to their criminal actions and negligence. Was the information " hacked '' by a state actor?
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NC)

Fees** **Name** : XXXX XXXX **Account Routing** : XXXX **Account Number** : XXXX **Address** : [ Your Address ] **Phone Number** : [ Your Phone Number ] **Email** : [ Your Email ] -- - **Dear Sir/Madam, ** I am writing to file a formal complaint against JPMorgan Chase Bank regarding unauthorized overdraft fees applied to my account despite multiple requests for these transactions not to be approved.

I hold a checking account with Chase, identified by the routing number XXXX and account number XXXX. On [ specific date ], I contacted Chase 's customer service to request that no transactions be approved if there were insufficient funds in my account to cover them. Despite this request, Chase has continued to approve transactions, resulting in overdraft fees being charged to my account. 

The details of the unauthorized overdraft transactions and fees are as follows : - [ List specific transactions, dates, and fees ] I have made several attempts to resolve this issue directly with Chase 's customer service, but the problem persists. The bank 's actions are causing financial hardship and are contrary to my explicit instructions. I believe Chase is in violation of Regulation E, which requires banks to obtain affirmative consent before charging overdraft fees for ATM and one-time debit card transactions.

I request that the CFPB investigate this matter and take appropriate action to ensure that Chase adheres to the regulations and policies designed to protect consumers. I also seek a full refund of the unauthorized overdraft fees charged to my account and assurance that no further unauthorized overdraft fees will be applied. 

Thank you for your attention to this matter. Please feel free to contact me if you require any additional information. 

Sincerely,
Consumer complaint received 2024-07-06
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a single father with XXXX children, I got this credit card to buy school clothes, My original bill was less then {$80.00} and now its {$380.00}. 
I never received the bill. 
I drive for a living and am not able to call business or answer calls during the day. 
I lost my debit card and have not been able to stop into the bank and reorder one. 
My mother offered to help me pay the Kohl 's credit card, she attempted many times to pay my bill but they would not take her debit card. 
I can not pay {$380.00}, most of that amount is late charges. 
I can pay {$190.00} but that's it. I would not be in this situation if they would have taken my mother debit card.
Consumer complaint received 2023-08-25
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Capital One Walmart Credit card is the company. 
It started when our online account was hacked for over XXXX dollars. They made it horribly impossible to get it taken care of. 
I have requested payoffs that they say they never recieved. I got a loan through XXXX XXXX XXXX XXXX to pay off the Wal-Mart card with capital one. 
The check was mailed on XX/XX/2023 from XXXXXXXX XXXX to Capital one on 2 different accounts as well as other credit companies we had. Everyone recieved and cleared on the XXXX of XX/XX/2023. All except Wal-Mart capital one. 
I called again today to request another copy via email as well as paper. They still on this day the XXXX of XXXX claim they have not recieved the payoff check, at that time was for XXXX. 
I now have a missed payment, late fee as well as outrageous interest occurring totalling XXXX. 
We have been trying to get away from this company since our accounts was hacked from another state with people using our account to do in store pickups. How that was even possible without proper identification is beyond me. Made me think it is inside jobs going on. I feel they intentionally haven't sent that check through their system so they can occur more fees and interest at 27.99 % please help!
Consumer complaint received 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I saw an unknown credit card on my credit report from XXXX XXXX XXXX, which I did not apply for. I reached out to Transunion and filed a dispute on XX/XX/. They completed their investigation on XX/XX/XXXX  and said the account is verified as accurate. I reached back out to Transunion again explained that this credit card is not mine but I was told to file a second dispute. I tried to call the credit card company to cancel the card, and they asked me to provide the la

st 4 digits of the credit card which I do not have. The consumer credit report that I received from Transunion doesn't show the last four digits on the account. I also tried to log into the credit card 's website to cancel it that way, but their website kept rejecting my phone number as incorrect, although it is a number I have had for over a decade. Please help! Thank you! INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (FL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of account that does not belong to me or was opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$610.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was looking to my credit report and find out there are fraudulent inquires XXXX. XXXX XXXX XXXX - Transunion XXXX. XXXX XXXX XXXX XXXX XXXXTransunion XXXX. XXXX XXXX - XXXX XXXX Transunion XXXX. XXXX XXXX XX/XX/XXXX, XXXX Transunion And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (WA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Experian, XXXX XXXX XXXX Account XXXX As a natural person and provider for my family I have a request that inaccurate info inundating my consumer file be deleted and due to the time period also I be paid damages for willful noncompliance. 
Experian and XXXX credit reporting agencies have been reporting incorrect info on an account That was closed by the creditor. After a correspondence with this creditor it has been deemed that the reporting supplied by creditor XXXX XXXX XXXX is inaccurate. Due to these inaccuracies I have been forced to deal with sub par credit with late payments being reported and collection reported at the same time drastically hindering my ability to obtain credit and due to this fact impacting my mode of living and how I provide for my family. I have found through a letter provided by XXXX XXXX has written this debt off due to litigation so this account is now a legal matter and has nothing to do with credit at this point. But regardless my credit profile is showing payment status of collection/Chargeoff for Experian and just in a late 120 days with XXXX. These are not the same status hence inaccurate and should be removed from my credit profile due to serious damages and denials of credit for my business and personal sides simply due to reporting. My File even has good payments in XXXX and XXXX but Collection status for Experian for the same amount of time. I feel as mode of living has definitely been impacted by this gross reporting negligence.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/year>, I contacted Capital One Customer Service about submitting a Wire Transfer from my personal checking account to my personal account on XXXX XXXX, I was told by the Customer service Representative to go ahead and submit the transfer request through the bank 's website which I did. 

Later that day the bank 's Fraud and Customer Protection Department called me and asked several questions about the transfer.

At the end of the call, they informed they had a mad e decision to close the account. Also, that my " good funds '' would be returned 7-10 days after they complete their investigation and close the account. 

On XX/XX/year>, I called to determine the status on the return of my funds and they would not provide any further information. 
The banks ' arbitrary and capricious decision to hold my money for no valid reason is causing me significant financial and emotional duress. 
I am unable to pay my bills because of this fraud perpetrated by Capilal One.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Received a mailer with an bonus offer for switching to Citizens. 
It asked me to go to their website citizensbank.com/checkingoffer and enter offer code XXXX. I did that and it let me proceed. 
I chose Quest Checking and entered all my personal information, including Social Security Number. 

After all information was given to Citizens Bank, I received a message saying they could not validate the offer code, and asking me to continue without the bonus. 

I find this absurd that a bank sent an offer that doesn't work, and that it only tells me at the end after providing all my information even though the first input I provided was the offer code. 

See attached the mailer and the screen error.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

My loads were switched again, now to Mohela. I signed up for auto pay. They sent me missed payment notification. I logged in to find the issue. Assumed my own error on auto payment and paid the past due and the new payment. 

At the end of the month, I checked my bank account. The original payment has been processed by my bank AND the double payment. I made three payments and have not received any update and will not be credited for three.

Since I am counting down the payments from XXXX ( they have yet to produce a full number of payments left ) before my loans are discharged- I've been working as either a teacher or at a non profit since XXXX this is just money to them that I will never be credited. 

I've sat on hold from that time I get off work ( XXXX XXXX ) until the time they close ( XXXX XXXX ) multiple twice this week. Another XXXX days through my entire XXXX lunch break. 

They can't account for my payments. 
They can't accept payment. 
They can't remedy their issues. 
I can't even talk to someone about how to get it solved. 

If these were true for any type of financial services but student loans, we would get to report these as scams. Please begin treating them as such. These are known issues.