davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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: CITIBANK, N.A. (FL)

Citibank , N.A . 
XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX VALIDATION REQUEST AND CEASE AND DESIST and IMPERMISSIBLE REASON FOR CONTACTING MY CREDIT Dear CitiBank and XXXX XXXX XXXX XXXX : I am following up because I have not received a response to my XX/XX/XXXX, debt validation letter to CitiBank and am requesting additional information as well. 

You are seeking money from me for a debt amount I dispute. Please send me proof I owe the debt and stop calling the above number until you do. 

PLEASE CEASE AND DESIST FROM CONTACTING ME AGAIN WITHOUT FIRST VALIDATING THE DEBT. STOP CONTACTING MY PHONE NUMBER, EMAIL OR TEXT ABOVE. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : $ THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR ; $ VERIFICATION OF THE DEBT ; AND $ A COPY OF ANY VERIFICATION OR JUDGMENT IF IT EXISTS ; Further, in addition, kindly provide me with the following additional information : PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT, SHOWING THAT A CONTRACT EXISTS TO CREATE THE AMOUNT THAT YOU CLAIM IS OWED ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR Once again, both CitiBank and XXXX XXXX XXXX XXXX have failed to validate this debt. 

PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute that I owe this debt amount to you, and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please state why you have a permissible reason for contacting my credit. I dispute this. Furthermore, XXXX XXXX XXXX has no legal authority to access my credit information from any and all credit bureaus, which they have illegally done, and must refrain from further doing so! 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I leased a XXXX from XXXX. At the end of the lease, I did the pre-inspection and was told that I could return the vehicle to any XXXX location. I brought the vehicle back to the XXXX XXXX location. I received a copy of the Lease Return Form, and they gave me my license plate. I later received notification from DMV that my license could be suspended for not having insurance on the XXXX. I contacted DMV and said that I had turned in the leased vehicle ; however I was told that I also had to surrender the plate. I went thru the " ordeal '' of returning the plate ; I then received my final statement from XXXX, and figured this story was over. But, NO! I received another letter from DMV showing the plate as surrender, but giving the warning that the vehicle should not be driven on the roadways without plates and insurance. I again called DMV because I had surrendered the car over a month before, and was awaiting the refund of my registration fee for the vehicle. I was informed that the vehicle was still registered to me!!! 
I immediately called XXXX to report this error. I was told basically that XXXX only collected the money and facilitated the return, but I would have to return to the dealer to have my name removed from the registration? I asked where the car was : they did not know. I explained that if that vehicle is involved in any type of accident, I could be sued because technically the car is registered to me and at my home address! I was basically told that it was not their problem because they were " Indirect Lenders '' and had nothing to do with registration, title, etc... I asked for someone to speak to ... and they gave me the run around ; an " XXXX XXXX '' ; XXXX XXXX XXXXXXXX. ; and the XXXX hours ended with me not being assured that the vehicle that was returned to XXXX would no longer show as registered to me ; no written release from obligation on the vehicle with a section to hold me harmless should anything happen to the returned vehicle ; no apology ; no credit return for the registration moneys I am loosing... just a question on how and when I was going to make the final payment for the Disposition Fee!
Consumer complaint received 2024-05-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Velocity Portfolio Group (TX)

In early XX/XX/XXXX I was contacted by a person representing themselves as a lawyer group telling me I owed XXXX. The original debt was XXXX and the lawyer told me this was for XXXX XXXX. I had this car repossessed by the bank in XXXX and told them this debt is past the statute of limitations. The lawyer yelled at me and told me its still my debt and there would be a sheriff at my house to XXXX me told me XXXX you and hung up. I also received a call from someone identifying themselves as a process server after who also called my daughter on her phone to harass her. I thought this was a scam. 3 days ago I got another call from a process server trying to deliver papers to my address. At this point I have cement online to every county clerk where I have lived and no court I do was available under my name. I then called XXXX XXXX clerks and asked them specifically if they had any information because I wanted to see if this was a scam. She put me on hold and came back with some information from Velocity Investments LLC. My original debt was XXXX and they are trying to sue me for over XXXX. The original lawyer misrepresented himself threatened a sheriff to come arrest me and didnt even identify the correct creditor for the debt. Would you want to call this company to work things out??
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

The company has failed to provide proof that an account has ever existed between me and them. Because I have never had an account with them. I did a dispute with them directly and requested information on this debt that they have on my credit. I also did a dispute through XXXX XXXX which should have been concluded XX/XX/2024. The company will not respond and this debt is still on my credit. This falsely manufactured account is affecting my life and it needs to be removed immediately.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Someone accessed my information from my phone. I lost my phone and when I got it back, a week later funds were being transferred to another account without my knowledge. Wells Fargo will not give me my money back even though they see that someone besides myself was accessing my account.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

Details of the Transaction : On XX/XX/year>, I made a purchase through XXXX using my Wells Fargo ACH account to buy goods from a manufacturer in XXXX. The goods arrived severely damaged ; the print on the jackets weren't made according to the specifications provided, they were cut off at random positions making the prints look different for every jacket compared to the example provided to the manufacturer. On top of that the jackets came with black ink stains all over the print that can't be removed, the product is destroyed, manufacturer didn't want to provide images of the XXXX  jackets either. All the proof is in screenshots provided, and would provide anything else necessary. I immediately contacted both the manufacturer and XXXX to report the issue and seek reimbursement. 

Claim Denial : I filed a claim with XXXX on XX/XX/year> and provided all necessary documentation, including receipts, photos of the damaged goods, and email correspondence with the manufacturer. Despite this, my claim was denied on XX/XX/year> with XXXX stating that they do not provide protection for goods and services. XXXX representative said that I can create a claim with Wells Fargo at this point. 

I then filed a claim with Wells Fargo XX/XX/year>, provided the representative with the information of the event and told me to check back in around 10 days. Today, XX/XX/year> Wells Fargo notified me that the claim was denied, stating the same thing, that they don't provide protection for goods and services because of their policy. 

Consumer Protection Argument : As a customer, I expect my financial institution to protect me against fraudulent or defective transactions, especially when dealing with international purchases where it is difficult to seek redress from the manufacturer directly. Consumer protection laws are designed to safeguard customers in such situations, and I believe Wells Fargo 's decision contradicts these principles. 

Financial Impact : The cost of the damaged goods represents a significant financial loss to me, and Wells Fargo 's refusal to assist me in this matter exacerbates this loss. 

Request for Resolution : I am requesting that the CFPB review this case and assist in ensuring that Wells Fargo honors its responsibility to protect its customers from fraudulent or defective transactions. I seek reimbursement for the damaged goods or assistance in resolving this issue with XXXX and the manufacturer.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been using Bank of America credit card for more than 5 years and I am not able to setup autopay for my credit card using Bank of America checking account. I reached out to them a couple of times to fix this issue as due to this issue I missed to pay my XX/XX/2023 bill and had to pay late charges as well as the interest. 
On XX/XX/2023 when I called the customer care, initially they sent me a document with steps to setup autopay to follow but some of steps mentioned there were not in my profile. Next time when they checked through screen share and found autopay option is not available, the operator reached out to her supervisor and later setup one time payment by mentioning this is the autopay. As it was one time payment it worked for a month but for the next month again when it did not work I reached out to customer care telling the whole story and at the end they mentioned you might have tried to setup autopay through billpay with some other bank due to which this option is not available in Bank Of America site even though autopay was not setup for my Bank of America credit card through any bank.
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I was approved for a Loan Modification and Then it was dismissed due to the XXXX XXXX who abandon the property eten years ago was on loan. I provide a Quit claim and divorce XXXX  and my son who is military who also lives with me. We did not receive help or letter stating that the home was in foreclosure I had ask the foreclosure for the re entry team to call or send a new package for the to take to court so that courts can get XXXX XXXX to sign the loan modification. Please help with save my home. I do not want to lose my home. My son will who is XXXX live here in this home also
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (PA)

ive been locked out of my account since XX/XX/XXXX and cant access any of my money since that day ive received multiple verification codes to my phone and read them back to the operator on the phone each time they stated my account would be unlocked but it still hasnt now when i call they say they sent me a XXXX digit reference code i must read them that was sent out in the XXXX of XXXX and i still havent gotten the letter and cant access my money or account until i get the letter
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
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: Chime Financial Inc (IL)

On XX/XX/year>. Somebody hacked my Chime account and withdrew all of my money from my account. I contacted Chime about my problem, I was told that they have a high tolerance for people hacking into other people 's accounts and taking money and they will fix the problem. I was told I had to send in proof and the amount was stolen from my account. I was told that I had to wait XXXX days for an update. The next day, chime canceled my request to fix the problem. I called and Chime said they didn't get any of the pictures I sent in and that they didn't see anything wrong with somebody hacking my account and taking money out. also, Im having problems with them about receiving refunds back into my account or a glitch with my money or anything. I always get told I have to wait XXXX to XXXX  days to receive documents on the reason why they are refusing to put any of my money back into my account. Also on XX/XX/XXXX someone took my train card and withdrew {$600.00} from my account. I contacted Chime they told me I have to go out and find that person and make that person return the money because they are not going to fix the problem because it doesnt have anything to do with them, it has to do with the person who took my card the money. The only thing they said they could do was send in a new Chime card and I kept asking can I please just get the money back instead of a new card or do both and they said no the only thing theyre gon na do is send back a card. Also, Chime owes me a lot of money and I know for a fact I would not be seeing that again. The amount is close to {$3000.00}. I have called them multiple times to talk and they are refusing to talk or send in documents of what I have called for and never received it in the mail or my emails after I was told I was supposed to get received by email and mailed. I ask about that I keep getting told I have to wait XXXX to XXXX business days or XXXX to XXXX business days.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (DC)

On XX/XX/year>, I made a purchase from XXXX ( XXXX XXXX XXXX XXXX ) totaling {$160.00}. Upon receiving the order, I found that the produce, specifically mandarins and apples, were defective and damaged. The mandarins were moldy, and the apples were severely bruised and unfit for consumption. 

Actions Taken : XX/XX/year> : Reported the issue to Instacart promptly and initiated a dispute with XXXX XXXX ( XXXX XXXX ) for the transaction. 
XX/XX/year> : Received an email from XXXX XXXX XXXXXXXX indicating that the merchant had responded to the dispute, and the case was under review. 
XX/XX/year> : Multiple communications with XXXX XXXX XXXX, providing comprehensive photographic evidence and detailed explanations of the defective items. 
Company 's Response : Historically, XXXX XXXX  has sided with the merchant if they provide their return policy, often disregarding the evidence provided by me. This has led to frustrations and concerns about the fair handling of my disputes.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to renort Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX garnished my wages for a Bank of America Credit Card that I had in XXXX. ( Judgement ) in XXXX. They canceled the garnishment once it was paid in full. Then turned around and garnished my wages again. Now, 10 years later they are trying to garnish my wages once again. That is 3 times now for the same debt. I have all of the documents that were provided to my past employer and my current employer. The address that they put for me on all the documentation was wrong, always has been and I have never been sent any notices or invoices since the card went into default. I lived in the same house for XXXX  years and they never notified me of anything. They keep going and getting judgements against me and I have no way of knowing that they are getting them because no one is notifying me so that I can dispute the judgement and then they get garnishments for the same debt that has already been paid.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NJ)

I have/had a CC account with Discover bank and due to my Financial Hardship in XXXX  I felt behind on this CC account, Apparently Discover Bank write-off this account and SOLD it together with all my personal and Federal information to another company aka XXXX XXXX XXXX. 

I'm trying to contact Discover Bank by phone to get more details about this account and they gave me random information and are hanging up on me
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 2024-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TN)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-05-05
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. (CA)

I do not recognize these credit inquiries and asked the bureaus to remove them, but they did not comply with my request. In confirmation, I provide a report of identity theft, which I will attach to this letter. Here is a list of credit requests that I do not approve : XXXX XXXX XXXXXXXX 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 XX/XX/XXXX
Consumer complaint received 2023-12-01
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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