davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TX)

I am writing to demand the removal of Wells Fargo Account XXXX from my credit report. Wells Fargo informed me that they had been told the credit agencies to remove this account from My Credit report due to the inaccuracies ; however, it was never removed from XXXX or XXXX. This account must be disputed and removed from my credit report due to all inaccuracies.I have submitted multiple fraud reports for this account to be removed and disputes. XXXX customer service requested for me to turn in the full FTC report in order for this account to be removed due to Fraud. That has been done. I attached the full report to this letter. By law, an FTC works when fraud is involved and the account needs to be removed immediately. We go by the law. 
Previously, this account has been removed for fraud and re-added because Wells Fargo illegally changed the account number for this account. I contacted XXXX customer service on the phone and they thought this was a brand new account. Please review my Wells Fargo account history and you will see that this is the same account that was previously removed by XXXX, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. 
Secondly, THIS ACCOUNT IS REPORTING TWICE TO MY CREDIT REPORT AS I HAD PREVIOUSLY DISPUTED THAT AS WELL. THIS SAME ACCOUNT IS SHOWING TWICE ON MY CLOSED ACCOUNTS. 
I AM READY TO SUE AS I HAVE DONE MY BEST WITH BEING PATIENT WITH WELLS FARGO AND THE CREDIT BUREAUS. 
REMOVE THIS ACCOUNT FROM MY CREDIT, SHOWING IT TWICE IS A COMPLETE VIOLATION. THIS ACCOUNT HAS COSTED ME TOO MANY LOSSES
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: McCarthy, Burgess & Wolff, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX Re : Formal Complaint Against McCarthy, Burgess , & Wolff Inc. for Violation of Consumer Protection Laws Dear Sir/Madam, McCarthy, Burgess, & Wolff Inc. accused me of owing an alleged debt that is not even mine that they state that I owe. I was unaware of this alleged debt, and I didnt have an opportunity to dispute this information, as McCarthy , Burgess , & Wolff Inc. never provided me the proper notification of the alleged debt. If in fact they believe that they gave me the properly notification then please have them send me the certified return green card receipt with my name, address, and date on it. 

So then I wrote McCarthy, Burgess, & Wolff Inc. and requested debt validation pursuant to 15 USC 1692g including : *An Official Affidavit of Debt *The original contract on their company letter head with my wit ink signature on it *Proof of ownership AKA change of Custody collection *The full accounting records both Public and Private in accordance with General Accepted Accounting Principles ( GAAP ) and in accordance with 15 U.S.C. 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. 

They failed to provide me with proof of validation of the debt. So then I wrote them an affidavit of truth for Violation of Consumer Protection Laws and they failed to respond to the affidavit within 30 days. I am writing to file a formal complaint against McCarthy, Burgess , & Wolff Inc. for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, et seq. I have attached exhibits documenting the violations as follows : Exhibit A : Violation of 15 USC 1692 ( c ) ( a ) - Communication with Consumer I have proof that McCarthy, Burgess , & Wolff Inc. communicated with me in connection with the collection of a debt, which is a violation of 15 USC 1692 ( c ) ( a ).

Exhibit B : Violation of 15 USC 1692 ( b ) ( 2 ) - Communication with Third Parties I have evidence that McCarthy, Burgess , & Wolff Inc. communicated with third parties for the purpose of acquiring location information about me and stated that I owe a debt, which is a violation of 15 USC 1692 ( b ) ( 2 ).
Consumer complaint received 2024-08-29
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. (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 U.S.C. 1681. 
Office of the attorney general # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 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 1681 c. ( 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 2024-08-29
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX Balance : {$24000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  # XXXX - Balance : {$750.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX - Balance : {$350.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX - Balance : {$320.00} Date Opened : XX/XX/XXXX Unauthorized Inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens bank manipulated my transactions causing an overdraft fees in the amount of {$140.00} on separate occasions. On XX/XX/24 {$35.00}, XX/XX/24 {$70.00}, and on XX/XX/24 {$35.00}. They charged a {$35.00} overdraft which caused more overdraft fees to be accumulated when I had the funds to cover my transactions. Citizens gives a credit on my account when I deposited my check. I called the bank in regards to those transactions and put a complaint into the Office of the customer department and haven't heard anything. My case # XXXX.
Consumer complaint received 2024-06-09
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: TRANSWORLD SYSTEMS INC (SC)

Debt collection failed to provide debt validation with in 30 days. 

CRA failed to removed allleged debt. Requested debt verification with debt buyer on XX/XX/year>, they have not responded with stall letter and no proof this account belongs to me Amount requested is {$750.00}. Account shows inaccurate balance According to FCRA section 605B it is illegal to report information on my credit report without my permission. Please remove this from my credit report, thank you.
Consumer complaint received 2024-05-16
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (GA)

15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) " Consumer '' defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

I was Awarded XXXXXXXX XXXX XXXXXX/XX/year>. The funds were deposited into account number XXXX which isnt the correct number.The funds shouldve be deposited into account XXXX. The funds were deposited on XX/XX/XXXX {$13000.00} and XX/XX/XXXX {$2700.00}. I have been given a run around 6 times between Chase and Social Security regarding whos responsible for sending funds back vs recalling the funds. On Friday XX/XX/XXXX I hand delivered to the branch manager written documentation from Social Security indicating the error and a request for the funds to be returned to SSA so they can redeposit the funds into the correct account. This has been going on to long, I am heading toward financial ruin and now having XXXX XXXX. Can you please assist me with getting chase bank to send back the funds from account number XXXX to Social Security please? Thank you very much
Consumer complaint received 2024-06-08
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MI)

I had a card with Netspend and I had mine refunded money and included my benefits from social security came to the card they refused to give my money back and which was stolen out of the account and they closed without doing anything about it and I need all my money back so I can pay my bills please thats not fair I wake up all my money gone
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I performed a balance transfer onto my Bestbuy Citi Bank credit card. It was to be 0 % interest through XXXX of 2024. I have been making regular payments and large payments to ensure the balance is paid down. When making my most recent payment, I noticed that I was being charged a XXXX XXXX  monthly fee for some debt protection fee. I have never authorized a debt protection fee to be charged to my account, and I feel like I have been unfairly charged for something unnecessary and something I would have never agreed to. I looked back, and they charged me the same {$90.00} for the last five months, so I have racked up {$450.00} in protection fees that were never authorized. Why would something like this be hidden and charged to a cardholder without prior knowledge and something indicating that it would be required? I have contacted Bestbuy card services, which I believe is Citi Bank, and asked them to cancel and remove the charges or dispute them, and they told me they could not assist me. The lady just referred me back to the phone number provided on the line associated with the charge. I informed her that the phone number directed me to her and that if I called back, I would be directed to the same department. She apologized for being unable to assist me. Still, she said I needed to contact the XXXX XXXX company to resolve the issue, but there was no way to contact a company with no information on the bill. The phone number takes me back to Citi Bank/Best Buy . How do I go about removing these fraudulent charges from my account and ensuring myself and others don't become victims of fees and charges that they are not knowingly authorizing?
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NC)

I opened up a checking account with TD bank for a promotion bonus of {$400.00}, which was mailed-in to my mailing address. 

The mail-in offer sent to me by TD bank states the criteria of having a direct deposit totaling {$2500.00} in the first 60 days of account opening to obtaining a promotion bonus of {$400.00} within XXXX mo of account opening. 

I met the criteria and waited for XXXX mo as per the instructions from TD Bank Customer service. 

I repeatedly asked and confirmed if I have to wait for full XXXX mo and TD bank kept promising that account opening promotion bonus would be deposited as all the conditions have been met. 

Post recent conversation, the TD bank branch employee at XXXX XXXX, XXXX, XXXX named XXXX also confirmed the same that I should have received the bonus by this time. 

TD bank customer making falsified claims that there could be some issue with mail-in offer and thus the bonus not deposited. 

TD bank performing malpractices and making false advertisements to lure customers to open bank accounts with them and then not honoring bonus. 

TD bank should be penalized hefty monetary fines for cheating U.S. netizens and should not be allowed to operate on U.S. soil. We do not such financial institutions who cheat their customers.
Consumer complaint received 2024-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Massachusetts Educational Financing Authority (MA)

I wrote : " I am writing to request a XXXX XXXX XXXX XXXX. I attended a school that I believe engaged in fraudulent practices, and I am seeking to challenge my private student loans based on this misconduct. Please send me the application form and any relevant instructions to proceed. I appreciate your prompt attention to this matter. '' Their reply : " Thank you for contacting us. Your private loan does not offer a discharge for school misconduct. This is only offered for federal loans under specific circumstances. ''
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

I have 3 chase credits that all had automatic payments setup that's been consistent for a good year from the same institution ( hist9ry only goes back to early 2023 ). All 3 accounts automatic payments was changed without my knowledge and consent and without any notification to an old closed chase bank account. Due to this Issue I've not only had several late payments but also returned payments and fees that has caused me unessary financial harm but reputation harm because I've never had missed payments before and not to mention credit score harm.
Consumer complaint received 2024-06-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC (PA)

GreatPlains Finance , LLC d/b/a Cash Advance Now XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX Took on payday loan with this company in XXXX of the year For {$400.00} To my research app havent found looked at the statements of that year and I havent seen any money been taken out or havent gotten any notice or emails saying its late after 10 years as as of this week there they sent a collection company by phone to try to collect the money this company ask why get in write ask send what anount like who it good company This is a very urgent and time sensitivenmessage from XXXX. Please kindly return our call using the number on your caller ID as soon as possible to be connected with a live representative who may better assist you again please return our call at your earliest convenience thank you and have a wonderful wonderful day.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (CA)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/year> Walked into the bank deposited check with bank teller. A hold was placed on deposit. Teller informed me to call XXXX number to release hold. 

XX/XX/year> Called number verified myself 2x bank representative put me on hold told me that she needs to verify funds. She came back said she was still verifying funds. I told her that Ihve deposited checks from this account before. She placed me on hold again. This time for quite some time. I find out as she is coming back saying she has verified and released hold. She has called place of business where check was from and did not verify who she was speaking with. This is also on a recorded line. Spoke to one of my employees said my name and dollar amount of the check without verifying if this person was on the checking account. " She said my name was trying to cash a check with dollar amount to my employee. Giving my personal information out. She finally did get transferred to the person who wrote the check after she gave out my personal information. I told her I wanted to speak to her manager, because this has never happened before when there has ahold been placed, I have called they have released funds. Never calling place of business. I spoke to a manager told him what happened said they would look into it. I called back again 10 mins later wanting a dispute confirmation #. I received another manager named XXXX who said she sees that the representative needed to only see deposit history and should have never called place of employment. Speaking to a random person giving my personal information out and check amount out. I have heard nothing back from the bank either even though I was informed that I would.