davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (TX)

I am filing a complaint against XXXX XXXX for improper and unlawful debt collection practices in connection with an alleged debt from XXXX XXXX XXXX XXXX. 

Details of the Complaint : Debt in Question : XXXX XXXX has contacted me regarding a purported overdraft on an old XXXX XXXX XXXX XXXX checking account, claiming I owe a few hundred dollars. 

Dispute and Validation Request : On XX/XX/year>, I sent XXXX XXXX a debt validation letter requesting proper documentation to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, they responded by providing only a copy of an old bank statement, which does not meet the legal standard for debt validation under 15 U.S.C. 1692g. 

Current Situation : I have no open accounts with a negative balance with XXXX XXXX XXXX XXXX, and I dispute the validity of this debt in its entirety. Despite my request, XXXX XXXX  has failed to provide sufficient evidence of the debts legitimacy, such as the original signed contract, a detailed accounting of the debt, or verification that they have the legal right to collect this debt. 

Violation of FDCPA : I believe that XXXX XXXX is in violation of the FDCPA by continuing collection efforts without adequate validation and failing to provide the necessary documentation to support their claim. 

Military Status and Request for Extra Protections : I am currently serving in the military. As a servicemember, I am entitled to certain protections under the Servicemembers Civil Relief Act ( SCRA ) and related laws. I request that the CFPB consider any additional protections I may be entitled to under these laws and take appropriate action to ensure that XXXX XXXX is in full compliance.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (PA)

I was trying to open a business account with chase business, on XX/XX/XXXX online. 
I accidentally deposited the funds into an online checking account instead, I inform chase of my mistake, I was sent a link to open the correct account, in which I did. I told them to close the checking and put the funds in the new open business account I was told, it can not be done, they will refund the check, so I can put it in the business account, after about a month of waiting for the fund, I call chase to inquire about the funds I was told I can not get the funds until I provide a phone number of the employer, in which did chase rejected that number and continuously been doing the same with every phone number I sent, I went a chase branch to identify myself n was given the loss claim department I call kno result, it's been a roller-coaster ride since then, I even ask chase to speak to the employer n they refused, I would just like to get my check back...
Consumer complaint received 2023-09-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I want to dispute a check that wrote to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That is check # XXXX in the amount of {$95.00} that just cleared. This Complaint involves a switch and bait tactic by this merchant. 
================================= This complaint falls under compliance issues with the Magnuson-warranty Act of 1975 c/o the Federal Trade commission ============================= XXXX XXXX I bought a incinerator garbage disposal from XXXX XXXX for {$94.00} each On XXXX XXXX I called an authorized company to service an Incinerator garbage disposal which i bought from XXXX XXXX on XXXX because of performance issues and poor quality of Galvanized metal at the bottom oft he disposal which accumulated an abnormal quality of rust. Normally, because they are coated with Zinc Oxide this should not have happened. The service rep came out and spend 15 minutes servicing the unit adjusting the bolts. etc. with pliers. The day before, one of their consumer specialists told me that there would be no Problem possible replacing/servicing the unit. 
When the service rep was finished he said he had to charge me {$95.00}. I followed up with the merchant to no avail. If I refused to pay him it would have possible ended up in collections. affecting my credit. 

I just Called my bank- XXXX Bank of America dispute department and spoke with a XXXX. He told me that I could not dispute this because it was a check. However, the day before, i talked with a consumer specialist and was told that the Bank would back me up. It was annotated on my account. 

Could you please escalate this issue for me with Bank of America as soon as possible. 
I feel that this whole episode with the warranty and my Bank has been a bad experience.

BOFA- They were very nasty and abrupt when i followed up and hung up in my face. 
My current contact information is Phone XXXX *
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: H. Kent Hollins, Attorney at Law, P.A (KS)

Today I recieved a letter for Kent hollins for a account XXXX. For a XXXX account. Kent hollins has been informed that account has been shut down for a good amount of time. Kent hollins has also been repeatedly informed that my sole income is social security XXXX for an XXXX XXXX XXXX. Kent hollins tried to circumvent the fact they can not garnish from social security by trying to obtain an account XXXX that A. Has been closed for months. B. For funds they know they legally can not garnish. There also has been some payments made towards the account
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX-XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (OR)

This is a known scammer. I am sure because they scammed my geriatric mother last month with the same scam and my mom gave them money. 
I got a phone call from a girl saying she was with the delivery service and she was trying to deliver me certified mail. She needed to know if I would be home within an hour and left me a message to call a number and provide a file number. 
When I called the phone number the lady on the phone said the call was from their delivery department and that she could help me and give me all the information I need. She told me she was with XXXX XXXX XXXX in XXXX XXXX California. She said there was a lawsuit against me and I was being sued by US Bank for a bank account. I had in XXXX. I informed her I never had an account in XXXX and then she told me that it was for an account I had in XXXX that was charged off And delinquent {$2000.00}. She said that they were serving me with paperwork from the XXXX XXXX court today and I needed to be home to receive those papers. She said there was going to be a lien on my house and my cars. She said to stop that she could work out a payment plan with me right away. I told her that I knew this was a scam and she told me that she just got off the phone with a girl named XXXX at the XXXX XXXX XXXX and they would be here in an hour to serve me. I called the XXXX XXXX court, and they said they do not process business that way, and I do not have any lawsuits under my name. She confirmed that this was a scam. They called my mom last month and my mom fell for the scam. Do not give any mo ey or information to these people
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX-XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-15
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)

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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2023-08-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

On XXXX I sent letters due to inconsistencies and inaccurate information reporting on my account. I specifically requested for any accounts that were not reporting 100 % accurate to be deleted. I sent a description of each account and the item that was reporting incorrectly. To my surprise, when I reviewed my credit report again on XXXX, the incorrect items were continued to reflect on my credit report nor has anything on my credit report been updated to reflect the correction. I sent letters again on XXXX informing you that I had yet to receive a response informing me that these items were being investigated, updated or deleted. Since then, I continued to send letters to the bureau as well as the creditor requesting validation and proof that this information was reporting correctly, but nothing has been resolved or updated to date. This has been an ongoing issues. I just pulled my report again and it is now XX/XX/2023 and these errors are STILL showing on my credit report. This is a violation of my rights as a consumer and my concerns are not being addressed. The creditors do not have authorization to access the account nor authorization to attempt to collect on the account and the inaccurately reporting accounts continue to negatively affect me. Please remove the following accounts from my credit profile. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The information provided is NOT correct which goes against the FCRA.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

I am writing to file a formal complaint against Truist Bank and XXXX regarding the mishandling of my account closure, a substantial refund, and subsequent customer service issues. This situation has caused significant financial distress and appears to involve unfair and deceptive practices. Key issues : Truist Bank Account Closure : I requested that my Truist Bank account not be closed until I received a pending {$1800.00} refund from XXXX. 
Despite this request and a scheduled future appointment, a Truist employee closed my account prematurely. 
XXXX Refund Issues : XXXX attempted to refund {$1800.00} to my closed Truist account. 
XXXX 's customer service has provided inconsistent and potentially false information about the status of this refund. 
On XX/XX/XXXX, XXXX 's executive team confirmed receipt of the returned funds from Truist Bank and requested I choose a refund method, including XXXX XXXX. 
Despite this, XXXX continues to claim they've refunded the original form of payment, which is impossible due to the closed account. 
Truist Bank 's Handling of Returned Funds : Truist initially claimed they couldn't retrieve the funds from " limbo '' and forced me to open a merchant dispute. 
After promising to provide the funds directly to me, Truist instead returned the money to XXXX. 
Ongoing Dispute and Financial Distress : Both XXXX and Truist have ignored documented proof and facts, creating a false narrative. 
This situation has caused significant financial distress and has potentially impacted my standing with other financial institutions. 
Customer Service Issues : Both companies have provided poor customer service, with representatives ignoring facts and failing to resolve the issue. 
Truist 's executive team member, XXXX XXXX, has been particularly unhelpful and has ignored factual information. 



This situation has caused significant financial hardship and stress. I am prepared to provide any additional documentation you may need to assist in your investigation. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: JPMORGAN CHASE & CO. (RI)

Dear CFPB, I am writing to file a complaint against Chase Auto Finance due to their threat of repossession of my XXXX  XXXX XXXX and their failure to acknowledge important documentation regarding my financial situation. 

1. **Threat of Repossession : ** Despite being aware of my identity theft situation, Chase Auto Finance has threatened to repossess my vehicle. This threat has caused significant stress and financial instability. 

2. **Ignored Documentation : ** Chase Auto Finance has ignored official documentation from my bank explaining account mismanagement issues that are beyond my control. This negligence has further complicated my financial situation. 

I request a thorough investigation into Chase Auto Finance 's practices and appropriate action to prevent unwarranted repossession. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-29
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. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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/year>
Consumer complaint received 2024-08-15
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. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I received a text from phone XXXX XXXXXXXX, which appearedto be Citibank asking if I had used a card for {$1200.00} XXXX the XXXX XXXX & to reply yes or no. I replied no. I was thanked for confirming this activity & that customer rep would be contacting me soon. Shortly after, I did get a call from what appeared to be a citibank rep from XXXX ( this is the XXXX that is on the back of my citibank debit card ) offering to help secure my bank account to prevent any scams. Subsequently, I was directed to XXXX XXXX XXXX where I was manipulated & scammed into making a domestic wire transfer of {$17000.00} USC to perpetrater account number XXXX with wire number XXXX. I was told that money was placed in XXXX XXXX XXXXXXXX. This was done without my consent, knowledge & was not authorized. I did go to local Citibank branch XX/XX/XXXX & filed a report, spoke to fraud personnell via telephone. On the same day I went to XXXX police precinct & filed a report.As far as I know neither Citibank or XXXX XXXX XXXXXXXX questioned this transaction. I have banked with Citibank for years & never dealt with any huge transactions. I did contact executive team at Citibank, they claimed to done an investigation, but my claim was denied 3 times. I was advised to file a complaint with FTC & FBI internet fraud complaint center, which was done XX/XX/XXXX, Complaint was sent to XXXX XXXX XXXX XXXX XXXX XXXX. They could only act as mediator. 
I have heard from a few people that Citibank is known for denying claims. It is very hard to find an attorney. most dont want to deal with Citibank XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

Reference Equifax report number XXXX dated XX/XX/XXXX. In reviewing the report, I found XXXX accounts that were present that are no longer reflected on the report received on XX/XX/XXXX. Please ensure the accounts are added back immediately : XXXX ) XXXX XXXX XXXX CLOSED XX/XX/XXXX for {$2000.00} - Paid as Agreed XXXX ) XXXX XXXX XXXX CLOSED XX/XX/XXXX for {$500.00} - Paid as Agreed XXXX ) XXXX  XXXX  XXXX CLOSED XX/XX/XXXX for {$1500.00} - Paid as Agreed XXXX ) XXXX XXXX XXXX CLOSED XX/XX/XXXX for XXXX - Paid as Agreed My credit history is impacted, as well as my overall credit history. I have suffered harm and have dealt with Equifax with credit error issues for years. I need this fixed, as I know company 's have little control over ill-willed employees, but this issue is a legal in nature. Hoping that Equifax will correct immediately.