davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (PR)

I currently verify the XXXX XXXX app to monitor changes in my score. Last week, I noticed there was a new account which I did not sign up for ( Sears/CBNA ). Since the amount charged was not major ( {$330.00} ), I waited to take action because I was working and also, my Uncle has been hospitalized since XXXX/XXXX/2017 ( today is XXXX/XXXX/2017 ) so I did n't have the time to investigate what to do in order to report this. Today, I finally had the time to report the situation so I logged in to XXXX XXXX to look up the lender that opened the fraudulent account but noticed that, once again, there was another fraudulent account ( Best Buy/CBNA ) but this time the amount is substantial and largely material ( {$2900.00} ). I will go to the authorities today to file a police complaint, but decided to report the identity theft online as soon as possible.
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo case numbers : XXXX, XXXX & XXXX Consumer Financial Protection Bureau, case number : XXXX The company keeps saying FALSELY that Wells Fargo is `` committed '' to helping/supporting its customers. However, they've done everything EXCEPT be committed OR help/support me. This is absolutely unacceptable.

Wells failed to completely respond to my complaint. I asked for one of two things : ( 1 ) {$1900.00} refund from Wells ; or ( 2 ) evidence I could use to file a DC OTR claim IF Wells can document they provided DC OTR my full {$6100.00} payment. Wells has documented : ( 1 ) Wells received my full {$6100.00} payment ; ( 2 ) the tellers drawer reconciled ; and ( 3 ) the branch kept no documentation. Wells requested documentation from me showing that DC OTR is disputing receipt of the {$6100.00} payment. On XX/XX/year>, I promptly forwarded Wells a DC OTR email stating just that AND resubmitted the DC OTR ledger that accompanied my CFPB complaint [ attached hereon this new complaint ]. Wells promised to do another round of investigation ( as also stated in Wells final response to CFPB complaint XXXX. Wells received {$6100.00} but only sent DC OTR {$4200.00} leaving an unaccounted for balance of {$1900.00}. I think my request is very reasonable and straight-forward : either ( 1 ) give me a {$1900.00} refund for the discrepancy ; or ( 2 ) give me indisputable proof that Wells forwarded DC OTR {$6100.00} so that I can direct my refund request from DC OTR. At this point, closure of any further cases would be a reckless disregard for ACKNOWLEDGED consumer deposits/funds provided to Wells. I want a full accounting of everything with any other complaint closures that do not end with a {$1900.00} refund or documentation that Wells provided DC OTR with the additional {$1900.00}.

Wells has OUTRIGHT REFUSED to fully investigate this case and is gaslighting me saying I failed to cooperate which is untrue. I feel harassed and that Wells is purposely attempting to further exacerbate my medical issues and cause me further undue mental and emotional distress. Wells has the info needed to either reimburse me or provide evidence I can use in a DC OTR claim for reimbursement. PLEASE ESCALATE THIS CASE PROMPTLY. Wells continues to revictimize me, and this is not fair. 

I am asking that CFPB open an investigation into my real property tax payment as well as every other tax payment collected by Wells on behalf of DC OTR to ensure no other DC government constituents were frauded the way that I feel I've been frauded. This could potentially amount to millions, at a minimum, in stolen/misappropriated funds.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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.

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 2024-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (DE)

A fraudulent account was opened without my knowledge. The IRS received a 1099-c stating that they forgave {$3900.00}. 

I never had an account with them. I filed a fraud complaint with the IRS and IRS fraud division. 

The customer service with XXXX is almost non-existent. Numerous times re-explained the issue, back and forth emails with a confusing misunderstanding of the issue at hand. 

I sent in the IRS letter. They wanted my SS #, DOB, and DMV. Furnished but now have regrets as if I never had an account why would they need this information? 

Please help!!!!
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

The TransUnion Credit Bureau is reporting XXXX adverse accounts reported by XXXX. These XXXX accounts were being reported previously by XXXX and XXXX XXXX XXXX at the same time. Case # XXXX cfpb TransUnion remove XXXX credit reports and let XXXX reports. 
Then, I applied to TransUnion live XXXX of the due credit report adverse accounts that by asking evidence of debts pointed out me that I convey to the XXXX collection agency to discuss the claim since it does not belong to. I understand that XXXX not debt owned him legally and still it they are reporting it to the credit bureaus.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (FL)

I have recently reviewed a copy of my consumer credit report and I noticed that I had fraudulent accounts on my profile. I am referring to the account from Spring Oaks Capital LLC with account number XXXX which is attempting to collect a debt from me. I have never entered into an agreement or a contract with Spring Oaks Capital LLC which makes this a fraudulent account. This also is inaccurately reporting to my consumer credit report and is a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is having a negative impact on my mode of living. I demand for all forms of communication from Spring Oaks Capital LLC to cease and for this account to be deleted immediately. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation (FL)

I was conned into opening a secondary account with this provider and was forced to hook my main account to it. 

In XX/XX/year>, this provider tapped into my main account and wiped my account out under the guise that it would be placed into the secondary account for my use. It is now XX/XX/XXXX and the money is not in my secondary account nor has it been returned to my main account. 

I confronted the provider and was met with lies and excuses why my money has been effectively stolen. I informed them that they had one hour to either credit my secondary account or return my money or I would be filing a complaint with CFPB for fraud because they have stolen my money. I was then ignored. 

I want my money either credited or returned immediately. If I do not get my money back I will pursue legal action against them for fraud!
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PR)

SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. 
HAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. 
That mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX )
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX XXXX FINANCE was never late! I have had exceptional payment history with 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2024-05-27
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FIRSTBANK PUERTO RICO (PR)

On XXXX XXXX, 2014 a complaint ( XXXX ) was opened against FirstBank of Puerto Rico. 
The case was closed, the company responded to the complaint on XXXX XXXX, 2014 at XXXX. During that day FirstBank did XXXX a Hard Inquiry ( without written consent ) and the a Soft Inquiry on the Credit Reports of my wife and mine. The purpose was to provide cfpb with evidence that the account was showing on the Credit Reports. Please refer to Exhibit XXXX of the complaint number XXXX. The same date we requested FirstBank to correct the Hard Inquiry. As of this date there has been no correction.
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc. (TX)

I placed an order with XXXX using afterpay on XXXX XXXX. XXXX sent an email stating that they canceled the order and refunded the total amount on XX/XX/XXXX. I contacted Afterpay on the XXXX of XXXX because I did not see a refund to my account. I disputed the transaction on my account as well. I also contacted afterpay on the XXXX and XXXX with pictures of the cancellation. The representative message back stating he couldnt assist me with out the screenshot of the cancellation from XXXX. Which the screenshot was attached when I sent the message. I have been trying to get assistance and no one is assisting me with the matter.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year> I opened a checking account with chase on line. Then today XXXX XXXX without notice they closed my account despite me receiving a message stating to call to avoid closure and I did call which they deny me the reason for the closure and then was informed I was blacklisted without any reason given. I had XXXX in the account. Ultimately I want to be removed from the list as I am able to provide ID verification if needed. I feel discriminated against as I'm not being told any information and they have my money. In the email I attached it's said to call to avoid closure and I did call and was given no information as to why
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NC)

This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Lexis Nexis credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consist of a apartment rental lease with XXXX XXXX XXXX XXXX ( previously or possibly also XXXX XXXX XXXX XXXX ). This account has resulted in fraudulent collections. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you was not opened, made or initiated by me. The aforementioned account is the result of identity, theft and fraud. I have attached a copy of my FTC identity theft criminal complaint, Police Affidavit of fraud, Drivers License and Social Security card as proof from the US federal trade commission that all of the aforementioned consumer, credit accounts, collections and hard inquiries are the results of identity, theft, and fraud I request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the Lexis Nexis credit reporting agency block all of the accounts collections and hard inquiries identified in this CFPB complaint from my consumer credit file within four business days of receiving said complaint I requested all written confirmation regarding this CFPB complaint be sent to me via email to the email address provided. The following addresses also have never belonged to me and are being reported erroneously. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX, NY XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX Silver XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX NC XXXX
Consumer complaint received 2024-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (ID)

I was at XXXX XXXX XXXX in XXXX, Idaho, on XX/XX/year>. I had either a XXXX XXXX or XXXX  done ( I think that's what it was ). I have never received a bill from them so I thought insurance covered it all. Then on Monday, XX/XX/XXXX, I received a letter from a collection agency saying I owed {$300.00} to XXXX XXXX. I called XXXX XXXX as I have never had a bill sent to me in XXXX months from XXXX. They stated that they send all their bills through email and they had sent it to my old email and not my new. The person in the hospital billing department said that both my old email and my current email were on file. I was told that, that was the only way they send bills. 

I had argued with them because I know that I've received past bills through the mail from them. Now they are telling me I owe a additional {$620.00} for my last test at their hospital last month. I don't know whats going on but this doesn't sound right. Seeing as they had my correct email on file, they should have tried that XXXX or mailed me directly in regards to the bill, before sending it to collections.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (NC)

Back in XX/XX/2024, I filed a fraud dispute with US BANK. I also mentioned to the agent that the XXXX XXXX XXXX is not fraudulent transactions. Let her know several times that XXXX XXXXXXXX XXXX is my childs daycare that I pay weekly, those transactions are fine. I called back and asked to speak to a supervisor who reassured me that this will be rectified. Here it is in XX/XX/2024, that US BANK has fraudulently added transactions to a claim that I did not request. Put a provisional credit in my account for it. I told them dont worry. Ill just repay with the credit that was given since they screwed up big time. The supervisor told me know she will expedite my request to a case processor and i will receive receive a call and documents in the mail. I never received both communications. After I noticed I didnt get anything, no call or mailings, I told them dont worry about it. Cancel the request and Ill pay it again. They said okay. Called back and they have no recollection of the call or interaction. Here it is XX/XX/2024 and my bank account and XXXX daycare account is negatively impacted tremendously. I called US BANK and they have the most non training individuals. NO ONE CAN GIVE ME ANSWER. This needs to be resolved immediately. Oh yeah, I forgot. The last agent I spoke too told me they submitted a reversal on XX/XX/2024 and XXXX  XXXX XXXX stated theres no payment being reversed back into my account. But the one I had to make in order for my child to attend.
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Fundo LLC (VA)

I accepted a loan in return for retention of earnings doing XXXX work from Fundo. I no longer do XXXX and no longer use the associated account. I attempted to change the account with fundo that they do the agreed withdrawal from. They did not change it and kept attempting to debit that account. We reached an agreement to pay 4 times what the amount of borrowed was. The agreement was if I had to change a payment date that was OK I am not paid XXXX XXXX. The agent insisted I take an arrangement with payments every 3rd week. She said I could change a payment date. In the process, they filed a XXXX XXXX and my electronic payment accounts with XXXX and XXXX, both of which have money on them, are frozen. 

I missed an agreed payment date and advised them I would be able to make that payment on XX/XX/XXXX. The agent tried to charge my debit card even after acknowledgement that we would change the date, daily beginning on XX/XX/XXXX. She now considered my account defaulted and is adding on fees and increasing the amount owed by XXXX
Consumer complaint received 2024-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (GA)

in accordance with the fair credit reporting Act this accoint SELF account number # XXXX is still reporting on my credit this account has violated my rights to privacy 15 U.S.C. 1681 section 604 A sections 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. please delete the account off my report.
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: Upgrade, Inc. (OH)

I recieved an alert from XXXX XXXX  about a new account that was opened. Opened my credit report and saw someone had opened a line of credit for {$65000.00} dollars of which {$14000.00} dollars had been used I immediately call XXXX XXXX  and reported to them that that line of credit was not mine or opened by me. Immediately put a freeze on with all XXXX credit bureaus. XXXX XXXX froze my account also. XXXX XXXX called the creditor, I was able to speak with XXXX an employee with Upgrade Inc. who the loan was thru. I said that was not me that opened the line of credit. Upgrade Inc locked the account and started to find where this money was. XXXX XXXX called them up I was able to XXXX from XXXX XXXX while The XXXX XXXX  person on the phone also. Upgrade Inc started the dispute process, they said it could take upto 30 days for this to be done. XXXX XXXX  said that it was a fraud case and XXXX XXXX  got things going on there end