davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UMB FINANCIAL CORPORATION (PA)

This is a continuation of the following complaint from XXXX on XX/XX/XXXX Date of Last Balance Reported Update Amount Amount Past Due Date of Last Payment Actual Payment Scheduled Payment Date of 1st Date of Last Date Maj Del. Charge Off Amount Amount Delinquency Activity 1st Rptd Amount Deferred Pay Balloon Pay Start Date Amount Balloon Pay Date Date Closed XX/XX/XXXX {$5400.00} {$5400.00} XX/XX/XXXX XX/XX/XXXX {$6100.00} XX/XX/XXXX Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Charge Off Revolving Credit Card Individual Account 1. The creditor is manipulating dates on the credit bureau so that it will stay on longer. 

2. I am requesting Historical Data ( Payments Date and Amount 3. I have not made any payments since XXXX because UMB sent the account to XXXX XXXX XXXXThe terms and conditions were not Honor by XXXX XXXX XXXX XXXX XXXX 
UMB advise that thee was nothing that could be done, XXXX XXXX was responsible
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (CA)

Since the recent XXXX XXXX XXXX security breach, during which my full name, address, phone number, e-mail address, social security number and date of birth were all stolen and made available on the dark web, I have asked SoFi to add additional security verification questions to my account. Specifically, Ive asked SoFi to require a one-time passcode or a verbal password, or to identify me by voice ( using a voice verification system ) on initial contact every time I call into SoFi for account inquiries or servicing. However, SoFi was not able to add any of these additional verification steps to my accounts, and is instead using the information that was stolen in XXXX XXXX XXXX breach ( last XXXX digits of SSN, date of birth, address, e-mail address ) to authenticate me when I call in. As a result, I no longer feel safe that some fraudster would not call into SoFi with my stolen identification information to inquire on and transact on my SoFi accounts.
Consumer complaint received 2024-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date opened : XX/XX/XXXX Date Paid and Closed : XX/XX/XXXX Original Debt amount : {$2000.00} Current Balance : {$3800.00} Paid by XXXX XXXXXXXX Discharge Loan Type : XXXX XXXX I have reached out the the company several times about having the account removed and marked as paid and closed. I have reached out to transition about having the account marked as paid and closed! 
I keep getting nothing done about it. This is affecting my credit score as I am trying to buy a house! 
Please help me get this situation fixed!
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (MA)

I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (MD)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CO)

Hacker had me open a Robinhood cryptocurrency account and uses this as a source for a refund scam from tv streaming service XXXX. The hacker then takes about XXXX XXXX through cryptocurrency at Robinhood. I have disputed this with my bank and Robinhood, I reported this as fraudulent and unauthorized transactions. They still havent refunded me.
Consumer complaint received 2023-09-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (DC)

I am not liable for this debt with XXXX XXXX, I do not have a contract with Diversified Adjustment Services , they did not provide me with the original contract as I requested. 

Company Diversified Adjustment Services Opened XX/XX/2023 XXXX {$230.00}
Consumer complaint received 2024-09-07
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/year>, I discovered more than {$50000.00} in fraudulent ACH charges to a little-used account. Citibank could not provide any verifying information other than claiming that the chargers knew my name and account number. ( Such information is on every check. ) Citibank randomly credited some but not all of the charges and recommended that I open a new account. I opened a new account, and Citibank subsequently reversed the credits to my old account by debiting my new account. I have lost more than {$18000.00} due to this unauthorized fraud and Citibank refuses to return the funds.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

Someone tried opening a credit card with my information from JPMCP. I called them and they agreed that it was fraud and they sent me a letter. I asked them to remove the hard inquiry 's and they have not as of today. I will upload the dates. Thanks for the help..
Consumer complaint received 2024-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I recertification my income and family size early at the behest of Mohela. My payment went up as a result. 

Per Ed Department it should go down since the deadline was extended. https : //studentaid.gov/announcements-events/idr-recertification-extended Mohela had not done this and now says they will not unless they are ordered to by FAFSA. 

I spoke with XXXX at Mohela on XXXX and he said they would return me to my old payment and then repay any overage. 

I spoke with XXXX today ( XXXX ) and she said not only will they not repay the overages, they will not follow the guidance put out by the Ed Department .
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I have received no response whatsoever from JPMorgan Chase Bank in response to my complaint made on XX/XX/year> that closed my consumer deposit account in retaliation for my social media posts and have NOT RETURNED MY MONEY. 

There is no excuse, justification or reason for a bank to seize a consumer depositors funds. The bank has not communicated with me to explain or defend their illegal action. The bank maintains in effect their illegal XXXX of my money and they have done so since XX/XX/year>. 

The bank has my money. I do not have it.
Consumer complaint received 2024-08-13
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX an advertisement on Bass Pro shop website regarding a credit card offer that is not clear especially regarding the five orders which have to be made before you get {$20.00} dollars to apply to your check out order.

after getting approved and the {$20.00} showing under by profile, you are not notified of the 5 purchases except in an email you receive later. 

clearly playing games. i would never have applied for a whopping XXXX dollar credit if i new i had to make 5 purchases. 

the CFPB was created to stop XXXX like this. 



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Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ Data is attempting to collect a debt not owed. It is illegal to sale and purchase fictitious debts for profit. The company that they are attempting to collect a debt from is XXXX XXXX XXXX whom I have experienced multiple accounting errors with prior to being released from my rental agreement which I have proof of. I paid a {$1500.00} deposit which I was told I would forfeit. However the leasing consultant XXXX XXXX gave false account on my move out summary and did not apply my deposit. I contacted XXXX XXXX XXXX  to discuss the matter and to my surprise I was blocked from communicating with them. How can you can one make claims that a consumer owes a debt but refuses to discuss the matter with the consumer? The reason why I was blocked from contacting corporate is because the account statement turned over to IQ Data was both fraudulent and fictitious. In addition, as I mentioned previously I was released from my lease agreement with XXXX XXXX XXXX and after signing a release form which I never received the countersigned form back from XXXX XXXX who is head of the legal department with XXXX XXXX XXXX.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

Please reopen this claim Claim number XXXX because I didn't get my service I was scammed I want them to be reopen or reinvestigated or investigate again or make into a new dispute and investigate again or give me a onetime credit for all the amounts because XXXX wont help me recover my money back from it they keeping rejecting my disputes status saying I authorized the payments but I didnt etc.send my issue to a supervisor etc. My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I deposited a check from my client, XXXX XXXX XXXX XXXX in XXXX XXXX, and presented the check to Chase Bank NA in XXXX at an ATM. The bank initially deposited the funds for {$2000.00} on XXXX XX/XX/2024 and then turned around and debited the funds early on XX/XX/2024. The online message I received states that there was an improper endorsement yet they do not allow me to see the check image. Instead, when I go online it just states that they are unable to display the check image at this time and they are trying to " fix it ''. This is unacceptable and it has left me with a financial debacle. Other payments must be made and I have not had this problem before. I was not given any phone call or further correspondence. I do not know what to do about the check and it has not been returned to me. I fear I have lost the deposited fund and the check and I have no explanation from XXXX to fix this problem. I want XXXX to pay me the debited funds or return the check pronto. I also want them to pay any penalties for leaving me in this dire situation.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX 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. 

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 XXXX  days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL INC (WA)

I received a moving violation ticket in XXXX of 1997. I went to court and paid the ticket. I don't have specific proof, as this was 27 years ago before everything went online. I was contacted today by a debt collection agency, Coast Professional Inc, telling me I still owed on this ticket. I honestly thought this was a scam. I called the City of XXXX in Colorado and asked them about it. I was told last month the city attorney 's office sent all supposed unpaid debts to this collection agency, even though this far surpasses the 20-year statute of limitations on collecting debt in Colorado ( from my understanding ). First of all, I paid this ticket 27 years ago and they are claiming I still owe it. Secondly, this seems unethical and potentially illegal for a city attorney to submit supposed debt this old with insufficient records to a collection agency this many years later.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NC)

On Thursday XXXX XXXX I deposited my United States Treasury, VA XXXX XXXX XXXX, in the amount of {$2000.00}, in my Ally bank checking account # XXXX I got home I went online to make sure the deposit was correct, I found out my funds would not be available for XXXX XXXX, until XX/XX/year>. I can't live for a week without money, I called the bank and asked if they would release the funds sooner, they refused.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

Over drafts were charged at various times and not a standard time as stated in documentation, or fees were charged without notice and not within the times or days. Many times money was placed in the account before the overdraft was issued and still the overdrafts happened.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MO)

When purchasing a computer at the Best Buy XXXX XXXX store in XXXX XXXX, Kansas on XX/XX/year>, the sales agent told me that I could save {$45.00} if I signed up for a Best Buy credit card. It was not until after completing the purchase that I was provided with any information about the terms and agreements for the card. At that point, I realized that I was not saving {$45.00} but rather would receive {$45.00} in rewards that can only be redeemed at Best Buy. When these rewards finally posted to my account on XX/XX/XXXX, I saw that the points expire on XXXX XXXX, 2024. I have no immediate needs for additional technology purchases, and so in no sense have I " saved '' {$45.00}. Rather, this is a scheme to force me to spend even more money at Best Buy. The sales agent did not disclose, and in fact misrepresented, the terms of the credit card agreement. On XX/XX/XXXX I called Citibank who is the card issuer because of problems with activating the card. The agent at Citibank acknowledged the fraudulent nature in which Best Buy had issued the card, and encouraged me to call the manager at the Best Buy store. I immediately did so. On the first attempt, XXXX hung up on me. On the second attempt, XXXX told me that rather than putting me through to a manager he would request a call back that I would receive in XXXX to XXXX hours. When 24 hrs later I was still waiting for a call I called ( XXXX ) XXXX again only to discover that I was NOT talking to someone at the store as I thought but that the calls had been routed to a call center. I spoke with XXXX who indicated that my case had been marked closed, and routed my call back to Citibank -- who I already had talked to yesterday thereby being thrown into a hopeless circle with Best Buy refusing to acknowledge or take responsibility for its fraudulent actions.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (GA)

CHASE AUTO ATTN : CHASE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Date : XXXX XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate.This letter serves as a DEMAND to validate this account Account Name & Account Number : XXXX  Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( XXXX XXXX XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.