davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
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: NAVY FEDERAL CREDIT UNION (NJ)

Please perform a full investigation. Navy Federal denied my fraud application without even receiving an Affidavit form on file. I want Navy Federal to perform an honest full investigation on this identity theft crime, as soon as possible. I contacted the police, Ive made police reports, I sent forms and letters to Navy Federal po box .

I want Navy FCU fraud department to rewind the cameras of the inside to the bank the day the crime was committed. I want the names to the Navy FCU representative who gave away {$50000.00} unauthorized.

I would like a full investigation as soon as possible.

I have NOT received cash from the persoanl loan. This persoanl loan is a crime of Identify Theft and should be taking serious. Navy Federal did NOT rewind the cameras inside of the bank, Navy Federal did NOT have an affidavit on file before making a decision to decline my request to investigate, also Navy federal did NOT have an police report on file. This is completely illegal. I want to appeal my investigation application, {$50000.00} fraudulent persoanl loan.

My ID and SSN had been copied and used to perform fraud in my name. Im 100 % sure someone from XXXX marketplace have stole my identity. XXXX have a service on the platform where as anyone can sell items. I sold my cellar device on XXXX marketplace platform days before this incident occurred. Since then Im now experiencing fraudulent activities in my name. I did not reset my cellar device which had my information inside my notes. A picture of my debit card, ID and SSN were left inside my old cellphone files. Im 100 % sure a criminal have stolen my full identity and used it to commit fraud. 

Please close this fraudulent account. {$50000.00} persoanl loan is unverified and unauthorized. Someone has stolen my full identity.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: RentDebt Automated Collections, LLC (MI)

I XXXX XXXX is a victim of fraud and I was robbed at XXXX XXXX a couple years ago by XXXX XXXX and XXXX was only caught and I have a police report for proof and the case is still on going the guys who XXXX  me had everything from my social security card Drivers license debit cards my passport and more they took everything. I also have proof from irs that I am a victim of fraud where the person tried to file my taxes got apartments, phones etc in my name and I am trying to get these accounts removed from my report ASAP. XXXX. XXXX XXXX XXXX for {$530.00} XXXX XXXX  for {$2000.00} XXXX. XXXX XXXX XXXX for {$8200.00}. I also need the FRAUD ALERT REMOVED FROM MY ACCOUNT I CANT apply for anything and i stay getting denied. I just ask that I get this resolved and removed and move on with my life I would greatly appreciate it. Even on my social security card the date it was issued is on there because it was a replacement!
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I used Cashapp to make a purchase and it was a scam so the person never mailed the goods. I put in a dispute with Cashapp and they said they can't reverse the transaction because it was marked complete and i disputed it with chase and they said it was an authorized transaction so they wouldn't refund me.
Consumer complaint received 2024-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I Saw XXXX credit inquiry on my credit profile and I reported it to XXXX, XXXX and XXXX the company 's told me to report it to FTC and return the report to them for verification to enable them take it off my credit
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Have told company via phone to only contact by mail ( have not received anything ) x5 times now, also have requested verification of debt letter have not received anything. Callers are abusive and once I informed them this is the 6th violation they have me on mute for 20 minutes now. Last call was today XX/XX/24
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2023, XXXX XXXX XXXX issued me a check in the amount of {$9700.00}, representing the funds from an account they closed on my behalf. Unfortunately, XXXX did not inform me of the account closure or the issuance of the check during the entire process. The check was dispatched on XX/XX/2023, and it arrived on XX/XX/2023. However, the delivery by XXXX went awry as the check was sent to an incorrect address. 

Regrettably, someone intercepted the check and successfully cashed it on XX/XX/2023, at TD Bank, under the name XXXX XXXX XXXX. This individual forged the check by adding " and XXXX XXXX XXXX '' after my name in the " pay to the order of '' section, and subsequently signed it for cashing ( A copy of the fake check as in item XXXX ) On XX/XX/2023, I called XXXX to ask them where my check is and they told me someone has cashed it by faking the check. 

On XX/XX/2023, I went to the XXXX  branch at XXXX, NY and spoke to XXXX XXXX. He informed me of the procedure for correcting such mistakes. I have also sent the declaration of unauthorized endorsement or altered item form ( A copy as in item 2 ) and unauthorized signature or forged item declaration ( A copy as in item 3 ) .I also have reported this incident to both XXXX  ( tracking number XXXX ) and the local police ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX Detective XXXX, report number XXXX ), and they are currently conducting investigations into the matter. 

On XX/XX/XXXX, I contacted XXXX and the customer service told me they can be responsible for the loss and they were waiting for XXXX to conduct the verification on their end. However, XXXX hadn't done that to this date ( XX/XX/2023 ). 

From XX/XX/XXXX to XX/XX/2023, I kept contacting the XXXX claim team ( phone number XXXX ), they kept telling me that they hadn't received my documents, even if it's been a week from the day I filed it. They also kept giving me different responses regarding my situation, some said they received the verification request from XXXX, some said not. 

On XX/XX/XXXX, XXXX told me they have sent a request to TD Bank to issue a refund about this case. However, they told me it would take up to 90 to 120 days for TD Bank to respond. Unfortunately, I can't wait that long since I am leaving the States in this month. I sincerely asked TD Bank to reply to this request as soon as possible and refund me the money.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank closed my account for reason ( s ) I do not know. I believe it is because the bank suspected me of fraudulent activity, after I attempted to send my other bank accounts ( owned by myself ) money via XXXX repeatedly ( unfortunately all attempts failed ) .The only reason why I made repeated attempts was because the money would not go through. I talked to numerous customer service agents and said that all activity was mine and I did not want my account to be closed. Citizens Bank is among the banks closest to me and I really wanted to keep my account ; I was even attempting to do a promotional offer so it was even more upsetting since I almost completed what needed to be done for the offer. I asked customer service and several branch managers to appeal or put in a request to kindly re-open my accounts, as I believe they have been unfairly closed but they said they could not cause they do not know why my account was closed, and also because that is beyond their power. I am also aware that a bank 's involuntary closure of a bank account may affect my ability to maintain my other bank accounts. As such, the gravity of this issue can not be understated to me. I am hoping this can be amicably resolved through a CFPB complaint. I am more than willing to work with Citizens Bank and their XXXX Department to discuss any perceived discrepancies with my activity.
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IA)

I Called Nelnet on XX/XX/2024 at XXXX AM. I was on hold for XXXX hours and XXXX minutes. When I spoke to a representative I asked that loan group XXXX  be separated into XXXX separate loans so I could pay XXXX of them off. Their website and billing statements say that this is possible. The representative did not know how to do this and was going to transfer me to a superior. While waiting on hold again I was hung up on. The total time on the phone for the first call was XXXX hours and XXXX minutes without a resolution. I called back at XXXX and was on hold for XXXX hour and XXXX minutes. This time I asked to specifically pay off loan XXXX in group XXXX, since ungrouping them seemed like a hassle. The representative said it would be no problem. I verbally confirmed that the payment would apply to and pay off only loan XXXX and not be split between both loans. After being put on hold again the representative confirmed that the payment would only be applied to loan XXXX. This was not the case. When checking my account today ( XX/XX/2024 ) the payment had been split between loans XXXX and XXXX and group XXXX.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC (TX)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my CoreLogic Credco consumer credit report sent to me via mail.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WorldRemit Corp. (MD)

I am a customer of WorldRemit Money Transfer Company. 

On XX/XX/XXXX they requested I provide them with the following information and I did so : XX/XX/XXXX bank statement that shows your name, address, and deposits on the account as well as the WorldRemit transactions An explanation for all of the deposits on the bank statement ( proof of the deposits may be required ) Current photo ID ( front and back ). 




Then on XX/XX/XXXX, they requested the following information and documents and I provided them the same day : - XX/XX/XXXX bank statement from your checking account ending in XXXX ( all pages ) that shows your name, address, and deposits on the account -An explanation for the multiple cash deposits on the bank statement -Proof of small business loan -Proof of check deposits on the business bank statement -Are your transactions business related? If not, please provide an explanation as to why you are using a business bank account to send transfers through WorldRemit * All answers/responses/documents were provided to Worldremit as stated below XX/XX/XXXX bank statement from your checking account ending in XXXX ( all pages ) that shows your name, address, and deposits on the account =============================================================== -- Attached An explanation for the multiple cash deposits on the bank statement ===================================================== -- The multiple cash deposits are from my XXXX  account, my business account and personal loans ( Including XXXX, XXXX XXXX  and XXXX XXXX etc ) Proof of small business loan ============================= -- Attached Proof of check deposits on the business bank statement =========================================== -- N/A : There are no check deposits Are your transactions business related? If not, please provide an explanation as to why you are using a business bank account to send transfers through WorldRemit ================================================================== I am a CXXXX XXXX XXXX. My business is XXXX XXXX XXXX. The name of my business is " XXXX XXXX XXXX '' which is essentially my name. 
I earn my living and earn my income through my business. My household income " is '' from my business. 
Thus, I have no choice but to spend the income from my business for my living expenses and personal transactions. 
Thus, I use my income from my Business account to spend on all my expenses whether personal or business. 
Sometimes I also send funds to family or friends for large purchases or large expenses including weddings or large purchases such as property which is an asset. 


However after providing all these to WorldRemit they still UNFAIRLY and ILLEGALLY closed my account.
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NV)

I am writing to file a formal complaint against Caine & Werner for multiple violations of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable laws. 

Details of the Complaint : 1. Unfamiliar Debt Collection Entry : On XX/XX/year> I noticed a sudden and unexpected collection entry for {$170.00} from Caine & Werner on my credit report. 
I have never conducted any business with Caine & Werner. 
I was never notified of any debt allegedly owed to Caine & Werner. 
2. Failure to Verify Debt : Caine & Werner made no attempt to verify the alleged debt in accordance with the FDCPA, specifically 15 U.S.C. 1692g ( b ). 
There was no communication from Caine & Werner regarding this debt before it appeared on my credit report. 
3. Negative Impact on Credit : This erroneous collection entry has negatively affected my credit score. 
The presence of this unverified debt on my credit report has caused financial and reputational harm. 
4. Violation of Privacy : If Caine & Werner purchased this debt from another party, it constitutes a violation of my privacy. 
According to 15 U.S.C. 1692c ( b ), I did not give permission for my personal information to be shared or sold to a third party. 
5. No Contractual Obligation : I have no contractual obligation to pay any debt to Caine & Werner. 
As I have no agreement with this company, their actions are both unfounded and illegal. 

Laws Violated : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Violation of 15 U.S.C. 1692g ( b ) for failing to verify the debt.

Violation of 15 U.S.C. 1692c ( b ) for unauthorized sharing of personal information.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : Violation of 15 U.S.C. 1681s-2 ( b ) for furnishing inaccurate information to credit reporting agencies without proper verification.
Consumer complaint received 2024-01-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (NY)

XXXX XXXX XXXX XXXX and their debt collecting agencies credit control llc dba credit control and XXXX XXXX keep sending me letters stating that the debt is not paid when they acknowledged it was paid and even took the money out my account. I received another letter today for a debt that I do not owe.
Consumer complaint received 2024-07-02
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: NAVY FEDERAL CREDIT UNION (NJ)

I have NOT received cash from the persoanl loan. This persoanl loan is a crime of Identify Theft and should be taking serious. Navy Federal did NOT rewind the cameras inside of the bank, Navy Federal did NOT have an affidavit on file before making a decision to decline my request to investigate, also Navy federal did NOT have an police report on file. This is completely illegal. I want to appeal my investigation application, {$50000.00} fraudulent persoanl loan.

My ID and SSN had been copied and used to perform fraud in my name. Im 100 % sure someone from XXXX XXXX  have stole my identity. XXXX have a service on the platform where as anyone can sell items. I sold my cellar device on XXXX XXXX  platform days before this incident occurred. Since then Im now experiencing fraudulent activities in my name. I did not reset my cellar device which had my information inside my notes. A picture of my debit card, ID and SSN were left inside my old cellphone files. Im 100 % sure a criminal have stolen my full identity and used it to commit fraud. 

Please close this fraudulent account. {$50000.00} persoanl loan is unverified and unauthorized. Someone has stolen my full identity.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Capital one 360 checking account had my account restricted for use. XXXX settlements made 2 deposits on XX/XX/2024 into this account based off information I had submitted 2 years ago. I called capital one 360 checking on XX/XX/2024 asking for them to return the funds either to me or to XXXX settlement. XXXX settlement paid me for a claim from 2 years ago that was going thru the legal system. I won the settlement against XXXX. So they deposited 2 payments in the amount of {$92.00} into the capital 360 checking not knowing that my account had been restricted/closed. Capital one says they are entitled to keep those funds because my account was negative, however I had a payment plan in place for that already. XXXX settlements said I had to go thru capital one in order to get those funds either returned to them or to me. Which Im going in circles and no one can help me. Can someone please advise me on this situation. I could have fed my family or had my car repaired. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (NY)

I had a one year CD account with Citi Bank, that matured on XX/XX/XX/XX/XXXX After it matured, Citibank said that I have a seven day grace period to make any changes to the account. Otherwise it would automatically renew on XX/XX/XXXX, it stated that in order to close the account I could withdraw the funds. I did not wish to renew the account so I set up an external transfer on XX/XX/XXXX, due to the holidays the transfer would not have been finalized till XX/XX/XXXX which would be two days after the account would be renewed on XX/XX/XXXX. As a result, I called Citibank on XX/XX/XXXX to inform them that I would be making a transferred to an external bank. They offered me to close it on the phone and mail me a check. I stated that I already started the transfer, so I did not wish to have it mailed. I then asked if the transfer would occur after the account was renewed would there be any penalties as a result the agent assured me that there would not be any. I then again confirmed this with the agent a second time. The next day I see that the transfer did not go through. I called Citibank to close the account but they said that there would be a {$220.00} penalty. I tried to make several complaints to get this waived as I was misinformed by the representative, however, the penalty was not waived. I was also informed that the reason the transfer did not go through was because Citibank only allows you to transfer the funds out of a CD into a Citibank account or to mail a check. This was also not disclosed to me by the original agent, either as I did inform them, it would be in an external bank account. This is now two pieces of crucial, misinformation that I was given by that representative it is not fair for me to pay a penalty when I was assured I would not be and also misinformed that my external transfer would be an option to close my account.