davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (TX)

to whom it may concern, over the past few months I have been monitoring my credit profiles amongst all the three major credit reporting agencies, and it has come to my attention that there are multiple accounts reporting negatively to my personal credit report, The Credit Management Copany is a debt collection agency, attempting to collect on a debt I do not owe, I have no knowledge of this company, and I never received any notice about a debt. on XXXX of XX/XX/year> I sent said person " Notice to Cease and Desist '', followed by a " Notice of Violation '', per the new guidelines and the advisory opinion of the CFPB Via Certified Mail Receipt, the status of the delivery is as follows per XXXX ( Also see attachment ) Delivered, Front Desk/Reception/Mail Room XXXX, PA XXXX XX/XX/year>, XXXX XXXX
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXX please note that my documents were stole, the theft occurred on XX/XX/year> and it was reported to the police department and the bank. I withdrew money from Citibank account ending in XXXX via the IRA phone system earlier this month of XX/XX/year>, since the branch did not allow the money withdrawn at the branch, without proper identification or picture identification. I respected Citibank 's request and used the IRA branch phone system at Citibank to withdraw money from my IRA into my checking in the amount of XXXX. In the process of moving from New York to Pennsylvania the theft occurred.I was in the process of waiting for the clearance of an indemnity on my driver 's license when the documents were stolen. The documents that were stolen included all my pictures identification. The situation was explained to the bank on XX/XX/XXXX when I attempted to complete another withdrawal from my Citibank IRA account since there was not enough money in my Citibank checking account to complete the storage move from New York to Pennsylvania. I explained to Citibank that I'm on the street at the present time waiting for my identification from the XXXX to arrive at my mailbox or other documents that suffice identification such as my passport that was also stolen. However, I am in possession of the birth certificate, social security card and a temporary interim license paper that was provided by the XXXX. Please note that Citibank still refuses to complete the withdrawal today on the XXXX of XX/XX/year> on the premise that only one withdrawal could be made from the IRA account every 30 days. I explained to Citibank that this was an emergency, since I am in the present time attempting to complete my move in New York to Pennsylvania. 

This statement is written in the event that something happens to me while on the street, please note that I came in person to request the intervention of Citibank in terms of transferring funds from my IRA account into my checking account in order to help me in terms of arriving at my destination. 

Please note that I did communicate via the branch phone system to the IRA, which also agreed with the branch in terms of the XXXX policy. I also spoke to your supervisor XXXX who also requested a XXXX policy in terms of having the withdrawal completed. XXXX was also explained the present moving situation and that I as a customer am on the street. XXXX was also explained that there is money in my Citibank IRS account which is feasible and can be transferred from the IRA into the checking. I was also explained that they can not remove different types of amounts but only after the 30 days period policy. Therefore my request today XXXX, still did not meet the XXXX policy of the IRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

Assistance Required for Closed Account Hi, My name is XXXX XXXX, and I previously had an account with CHIME. Recently, this account was closed without any prior notice or warning. I have attempted to get answers through XXXX, email, and customer service, but I have not received any clear information regarding the closure. 

I did not receive any notification about the closure or an opportunity to comply with any requirements before the account was closed. This situation is very unusual, as I have checking accounts with XXXX XXXX, XXXX, and XXXX XXXX, and they always provide reasons and steps to reopen a closed account. 

Could you please assist me in understanding why my account was closed and what steps I need to take to have it reopened? Your help in resolving this matter would be greatly appreciated. 

Thank you for your attention to this issue. 

Best regards, XXXX XXXX
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I used my XXXX account to wire money to XXXX for a downpayment on a vehicle. The amount was {$9400.00}. The wire instructions were give, I put in all the information as shared the intermediary was Bank of America for further credit to XXXX Account XXXX. The money was pulled out and sent, then it came back to my account minus {$45.00} with no explanation of why it was sent back. 

I tried to contact bank of america by calling their wire dispute online but it is set up only for their customers : https : //www.bankofamerica.com/help/how-to-dispute-a-charge/ I tried to see if this is a common problem and it seems like Bank of America has been doing this to people for years. https : //www.bogleheads.org/forum/viewtopic.php? XXXX I then called Bank of America 's number to speak to someone : XXXX And again unless you have an account number or phone pin ( basically you have to be a customer ), the phone hangs up with no option to speak to anyone. 

So I got this fee taken from my money that I was not aware of nor did I agree to and I can not speak to Bank of America unless I am a customer. This is a blatant way to take advantage of people. I would like help getting my money back. {$45.00} is not a lot today but the principal that they took my money with out any notice, I still do not know why they sent back and now I am short on my down payment b/c I liquidated investments specifically for the down payments. I have also spent hours trying to get resolved. 

Info for the Wire to XXXX, XXXX : XXXX Acct # XXXX Bank of America, NA Acct : XXXX Routing : XXXX Sent : {$9400.00} Got back : {$9400.00}
Consumer complaint received 2024-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

My mortgage was recently transferred to this servicer and my second payment was increased over $ XXXX. I made two attempts to both get an escrow analysis to understand why it increased so much as well as asked to spread the increase out over time and neither request was followed up on or completed.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (IN)

On XX/XX/XXXX I logged onto my sofi account and saw charges on a crypto website that weren't mine. I went and filed a dispute about these charges. I then got a denial email after asking for why it was denied they said that because I've used this website before that it must of been mine. I told them I was at a get together I couldn't find my phone for hours I ended up finding it at the end of the night so when I went to log onto my sofi account and saw charges to this XXXX website that weren't mine I reported it. Once I reported it then I was told my account was restricted and that they would send Me a check in the mail with whatever money was left in my account but they had no XXXX. I have called numerous times and not a single person there is any help or knows anything. I asked what was the violation I violated they couldn't tell me they didn't know. This company is horrible. I have charges that aren't mine along with money that is mine that I can't even get out.
Consumer complaint received 2024-01-28
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. (FL)

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- The accounts below have violated my rights.

15 U, S.C 1681 section 602A. States ( have the right to privacy.

15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions.

P15 U.S. 1681g. ( 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 ) ( a ) 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.

Delete the accounts below : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have given Transunion numerous notices of the inaccurate information regarding the consumer file. Any person who is negligent in failing to comply with any requirement imposed under subchapter III Chapter 41 title 15 with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer because of the failure not less than {$100.00} and not more than {$1000.00}. ( see all attachments )
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANDY SPRING BANCORP, INC. (VA)

I opened a new account with Sandy Spring Bank. they accepted my direct deposits but when I tried to transfer the money out or use the debit card the account was frozen with no notification or warning. I tried to resolve through messages and chat but they said I had to come into a branch, which would be 2.5 hours away.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a XXXX account that needs to be removed from my credit file due to erroneous reporting which is a violation of the FCRA. I have the right to a fair an accurate credit report this account is not reporting accurately.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$94.00} XX/XX/2022 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-28
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Dear TransUnion Please, I am disputing the date of the last activity for account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX delete this item. 
It has been re-aged. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX - XXXX - Delete this item immediately. It is a public record that can not be verified and is incorrect. 

XXXX - XXXX- Delete this item immediately. It is a public record that can not be verified and is incorrect. 

XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Ive called and have written Equifax numerous times regarding the reporting of my personal information. The only response Im receiving are stall letters asking for personal identification that was already included in the letters that were sent ( See attached ) the letter was sent certified through XXXX  and it shows delivered. 

I havent been able to view my credit report with equifax since 2021 ( see attached ) XXXX, XXXX XXXX XXXX and XXXX have no history of my credit report with Equifax as they say something is reporting incorrectly. ( see attached ) Again, I have attached the required information so that this problem can be resolved. Please update my personal information using ONLY the provided information found on this letter.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account on my Experian RentBureau report that is the result of identity theft. Despite providing ample evidence to Experian RentBureau, they have unjustly refused to remove this fraudulent account from my report. This situation has caused significant distress and financial harm, and I am seeking your assistance in rectifying this matter promptly. 
In XX/XX/2020, I discovered that an account had been opened in my name without my consent, and it has since appeared on my Experian RentBureau report. I immediately took action by filing a police report and gathering the necessary documentation to prove my identity and address, including a copy of my ID, proof of address, and the aforementioned police report filed in 2020. 

It is imperative to note that according to Section 623 ( a ) ( 6 ) of the Fair Credit Reporting Act, all furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. Furthermore, a furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. 

Despite my repeated attempts and the provision of all necessary documentation, Experian RentBureau has failed to adhere to these legal requirements. This not only violates my rights as a consumer but also exacerbates the harm caused by this fraudulent account.

Furthermore, under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act, when a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Experian RentBureau 's failure to comply with these regulations is unacceptable and requires immediate intervention. 

Moreover, according to Section 615 ( f ) of the Fair Credit Reporting Act, when any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. 
I demand that the Consumer Financial Protection Bureau intervenes in this matter immediately and ensures that Experian RentBureau removes the fraudulent account from my report without further delay. If necessary, I am prepared to pursue legal action against Experian RentBureau to rectify this situation and seek compensation for the damages incurred. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution and assistance in resolving this distressing situation.
Consumer complaint received 2024-05-30
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Chainlink Services LLC (VA)

It originally started with my mother calling me because XXXX XXXX called her and indicated she was looking for her daughter in reference to a debt she owed. This immediately made me call the number back and advise XXXX to take my mother 's number off the call list, and inform XXXX that she had violated my rights by telling my mother i owed a debt. XXXX than begin to say she would now place my work phone number up there and XXXX hung up the phone. I then began to receive over 3 voicemails from this company at my shared office phone number. My manager forwarded them to me. I called and spoke to a " XXXX '' he refused to give me his full name or spell what he was saying so I dont even know if that name is correct. He also refused to give me XXXX XXXX XXXX, and he refused to let me speak to a manager or disclose the name of the owner to me when I asked for corporate information or supervisor information. Also XXXX lied to me, I asked him how did they even get my work number, he says you put it in on the application when you applied for this loan. XXXX told a flat out lie, as I have only been in this new job for less than 30 days, so it is no way I would have placed this number on the application as i didnt even have this job when i took out that loan. I told XXXX that although I owe a debt him and XXXX are using the wrong tactics to collect it and that I know my rights, as I did debt collection before when i was younger. XXXX then tells me he has been doing debt collections older than my age. I told him he was not supposed to be using personal information like my age, he then reads the credit file and tells me that I am XXXX and he has been doing this for 30 years. I have to file a complaint this company is not doing right and is violating peoples rights. THe email address is XXXX the phone numbers they have called me, my mother and now my workplace at are : XXXX and XXXX. Someone please help me this experience was horrible and they are violating so many rights.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

These accounts represents a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding these fraudulent accounts, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-28
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)

TO WHOM THIS MAY CONCERN, THESE ACCOUNTS ARE NEGATIVELY REPORTING ON MY CREDIT AND THEY ARE NEGATIVELY AFFECTING ME. I WOULD LOVE FOR THEM TO BE REMOVED AS SOON AS POSSIBLE. PLEASE AND THANK YOU!
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX I contacted both TransUnion and XXXX by phone to remove inaccurate & non approved hard inquiries as well as inaccurate information & addresses. Both companies refused to investigate, Validate or remove these inaccurate items.
Consumer complaint received 2024-07-01
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (VA)

Previous Complaint Ref # : XXXX On XX/XX/2024, I received an email notice re an application for a line of credit which I did NOT request. This same company previously accepted applications ( see above ref number ) under my old address and last name ( note : last name has been legally changed ). This company was instructed to stop accepting applications for name XXXX XXXX. Yet they continue to do so. They previously told me that I need to prove fraud for them to even investigate. There is already a credit freeze on my account. The email address at which they are contacting me is not inactive. I have attached a fraud letter concerning another incident of identity theft from the IRS.