davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am in complete disbelief, as a XXXX citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OPTUM BANK, INC. (TX)

I hold a health savings account with Optum Bank. As part of the product offering, I am able to direct my funds into mutual funds investments offered by third party providers and administered by Optum Bank. 

Over the course of my time having this account, I have been invested in accounts with expense ratios of between XXXX XXXX and XXXX XXXX with XXXX. These expense ratios charged by XXXX are quoted as a percentage of the invested amount and charged annually. However, Optum Bank has been charging XXXX XXXX XXXX % as a monthly rate and deducting monthly. As an example, the most recent charge on my account was on XX/XX/XXXX and on a balance of {$13000.00} with a fee of XXXX XXXX, I was charged {$4.00}. If the XXXX XXXX number had been divided by XXXX to convert the annual fee rate to a monthly one, then I should have been charged by a factor of XXXX XXXX and should have been charged {$0.00}. 

Indeed, in the prospectus for my XXXX mutual funds, XXXX provides examples of the annual expense ratio fees that will be charged on certain hypothetical amounts. On a hypothetical {$10000.00} account, I should pay {$4.00} annually in fees. Under Optum Banks fee deduction, I would instead pay {$48.00} annually on that hypothetical portfolio.

This bank, Optum Bank, is overcharging me and probably other customers on expense ratios in a manner not consistent with the prospectus provided by the mutual fund provider. 

On my online account, I am able to observe transactions back to XX/XX/XXXX and this incorrect charging of fees dates back till at least then. I have been overcharged by XXXX times the correct amount for every month going back to at least XX/XX/XXXX. I have had this account since XX/XX/XXXX, so it is reasonable to believe that overcharging dates back to then in my case. 

I attach an example of this charging scheme from the most recent charges.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (FL)

Robinhood closed my Investment Account. Account No. ( XXXX ) XXXX. They closed all trading positions and returned {$100.00} of my funds. However, there is still {$170.00} remaining in the account. 
I contacted Robinhood and they informed me that I would need to " upload '' my bank statements to their site to confirm funds. I contacted my bank and obtained such bank statements, however, Robinhood 's instructions are not actionable in their phone app or their desktop application. Perhaps it is because my account is closed.

I have repeatedly contacted Robinhood for updated instructions or other way to upload my bank statements to close the account, but have been sent duplicate erroneous instructions, and therefore I have been unable to upload the information requested. 
I'm perfectly willing to provide Robinhood any information they require, however, they are not assisting in an actionable way to finalize this matter. They keep sending me emails that do not resolve the issue in any way, and it is frustrating that they do not even know their own app enough to solve and finalize this small issue. 
Please help! Any assistance from CFPB would be greatly appreciated.
Consumer complaint received 2023-11-03
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. (FL)

XXXXXXXX XXXX XXXX XXXXXXXX This is completely inaccurate. 
XXXX XXXX XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc. (NC)

In XXXX XXXX, I paid my Prosper credit card off. In XX/XX/year>, my card was hacked. I called the Prosper customer service number and they finally gave me the number to call the Prosper Fraud Department. Upon their ( fraud ) completion they did in fact said it was fraud. 

I then was charged by Prosper a {$39.00} fee for a credit card which was deemed fraudulent. I ended up paying the {$39.00} fee due to Prosper since they were putting later charges on my credit files/
Consumer complaint received 2024-09-04
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. (CA)

In accoraance WiItn tne Fair Crealr Reporting acr. The List or accounts XXXX XXXX XXXX XXXX XXXX XXXX consumer rignts XXXX  privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # N/A, has violated my rights. 


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 2024-06-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Georgia Student Finance Authority (GA)

This company is hurting many people with their bad practices. I am unable to defer this loan or ask for forbearance on this loan. This economy is horrible enough and Georgia Student Finance has continued reporting late payments on the account for over a decade. They wont close the account or allow me enter into a payment plan. The loan was XXXX dollars and it now at over XXXX dollars. If you check reviews for this company, a lot of them will reflect my same sentiments. This is truly a horrible lender that should stop reporting to our credit reports.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I mistakenly sent via XXXX a XXXX dollar rent payment to my previous landlord. When the landlord received the payment, not knowing why she got it, she went to her bank, B of A and they withdrew the funds from the land lords account. A few days later when I discovered the error, neither myself or my previous landlord could get any information from Bank of America on where or how to get my money back. I bank with XXXX and neither XXXX or XXXX have been any help.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NV)

I have been trying to modify my loan with the XXXX/Nationstar for the past 4 years. I have attended 3 mediations where they have participated in bad faith. They have never proved ownership of the note. The note was securitized into a trust then sold as certificates to investors with NO RECOURSE. XXXX has recorded an assignment in my county recorders office that they are acting on behalf of their investors. They are a Trustee and only a trustee, they do not have any beneficial ownership rights to my property and since the investors have no recourse they should not be allowed to foreclose on my home. Since the 3 failed attempts at mediation I have filed a petition for judicial review. The judge ordered us back into a 4th mediation. Four years ago I tried to negotiate a principal reduction with the help of the TARP funds. Nationstar is a participant of the TARP funds however never offered me any help or assistance with not losing my home. From day 1 it was their sole attempt to foreclose for the cash funds. I wish I would have let them get the {$60000.00} my home was worth then compared to the {$180000.00} it is worth now along with my arrears now of {$43000.00}. I have basically maintained the home for their benefit. I am sick to death of their extreme unprofessional behavior as well as no care or concern of helping me through this situation that has drug on for 4 years now.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

BankMobile allowed a debit card to FRAUDULENTLY be issued under my name. After several calls and complaints BankMobile refuses to resolve the issue by canceling the card. 

XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of Birth : XX/XX/XXXXXX/XX/XXXXSS # : XXXX To Whom It XXXX Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXXXXXX XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Consumer complaint received 2024-06-03
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: Affirm Holdings, Inc (DE)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (CT)

At the present I'm on a fixed income and I asked the bank if they can help me by reversing XXXX overdraft fees applied to my acct that took place in the month of XXXX, 2024. 4 of the overdraft fees were for {$70.00} each and then the remaining XXXX were for {$35.00}. The bank rep XXXX that I spoke to said he could only reverse {$35.00}. My youngest gets his {$940.00} XXXX benefits deposited in this acct every month and I can't have the bank taking almost half his benefits just on overdraft fees alone. Also I requested Overdraft protection but this is only given per a flawless credit score.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Chime Financial Inc (OH)

I, XXXX XXXX respectfully send email message to CFPB and report incident. 
It was occured on XXXX, Found my name in Chime through XXXX XXXX XXXX carrier Which I have not had created Chime Account as Bank Card. 
Hackers and scammers have created new Chime Account. 
When they have known that It was deleted or canceled by me. 
Ongoing now and massively outage and Data breached
Consumer complaint received 2024-01-18
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. (VA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

You have multiple address and names on my credit profile. You should only be reporting my only one and only verifiable address and real name. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NC Under the FCRA, you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by NCB Management Services , Inc., breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by NCB Management Services , Inc. , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand NCB Management Services , Inc., furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that NCB Management Services , Inc. , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (LA)

I opened an American Express Gold Account back in XXXX and have paid that card off at LEAST ten times yet AmEx just now reported that card as being opened on XX/XX/XXXX! SHAME! I will be closing this card out TODAY!
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I have had two erroneous charges from a hotel in the XXXX. This hotel was paid for in advance by XXXX XXXX XXXX XXXX has confirmed this. 
The merchant XXXX XXXX XXXX XXXX XXXX XXXX said they have processed refund but instead they have erroneously charged the bank card twice for the prepaid stay. They are saying they have processed refund but that my Bank is not refunding. there was a charge on XX/XX/XXXX and Pending also charge on XX/XX/XXXX I have two erroneous charges now totaling over XXXX dollars combined. 
Wells Fargo is no help they have refused to provide me with the foreign currency purchases. Wells Fargo Bank refuses to give any information on the actual foreign currency amount. I have had transactions in foreign  currency submitted by foreign merchants and Wells Fargo refuses to gives the foreign currency amount charged by the merchant and what Wells Fargo currency conversion rate is they will ONLY provide US dollar amount that does not correlate with foreign merchant purchase in local currency. I have no way to check with any foreign transaction if I have been charged the correct amount. The agents are rude and obstructive and hang up on customers. I have no way to get this issue with the erroneous charges resolved because the merchant charged in XXXX XXXX XXXXXXXX and Wells Fargo is only saying they have information in dollars. How can Wells Fargo be denying me access to the foreign currency amount charged by the merchants. These transactions were processed in a foreign currency. Wells Fargo is deliberately hiding the exchange rate and denying customer ability to see actual transaction. I need these erroneous charges disputed. Wells Fargo is making this impossible.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has two accounts reporting that are not mine. After disputing this inaccurate information with the CFPB, XXXX XXXX XXXX has increased my balance by {$46000.00} from {$5100.00} to {$51000.00}. 

This is outrageous, because the account is not mine as I have been incarcerated and proof has been submitted, however increasing the limit to report by XXXX is unreal and has caused my score to drop over XXXX points. 

Please remove this invalid and inaccurate information from my credit report.
Consumer complaint received 2023-04-17
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a formal complaint against XXXX. I asked XXXX for a human review of the late credit card payments placed in my credit file from companies : XXXX XXXX XXXX ; and XXXX XXXX XXXX, to provide me with written proof of their compliance with Law 16 USC 1666B. I want XXXX ; and XXXX XXXX XXXX to remove the credit card late fees reported on closed accounts with XXXX balances. The late payment reports are with XXXX XXXX and TransUnion. This credit card accounts are closed. Additionally, the date of the late payments are not accurate. I mailed certified letters to XXXX on XX/XX/2023. After 30 days I did NOT receive communications from XXXX regarding my written request. On XX/XX/2023, I mailed second notices to XXXX via certified mail. I requested XXXX to show me written proof of their manual human investigation XXXX, and XXXX XXXX XXXX credit cards. On XX/XX/2023 XXXX notified me via email. The email notification informed me that the results of my disputes are ready to view online. In order to review the results I had to log on to my XXXX account online. Unfortunately, XXXX did not complete a manual investigation. XXXX did not respond to my written request within 30 days nor did they provide written proof of the investigation nor did they provide me with proof of the creditors compliance to Law 16 USC 1666B. I want XXXX XXXX XXXX to remove the late payment report they reported to my credit reports with XXXX XXXX and TransUnion.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.