davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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: JPMORGAN CHASE & CO. (SC)

I am in a divorce and my soon to be ex-wife has been changing all my personal information to her email and address on various credit cards using the below information. 

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX and various email addresses ending XXXX I have not autorized her to use any of my accounts and she is using the cards in my name.
Consumer complaint received 2024-05-15
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. (NY)

In adherence to the mandates delineated within the Fair Credit Reporting Act ( FCRA ), I hereby submit this formal communication to revoke any and all authorizations, whether consciously or unwittingly conveyed, whether manifest in written or unwritten form, verbal or non-verbal. Consequently, I exercise my prerogative to opt out of the disclosure of certain information, as sanctioned by 15 USC 6802. Furthermore, my decision to opt out finds legal foundation in 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974, and 16CFR313.7f, wherein it unequivocally delineates the continuing entitlement to opt out, underscoring the autonomy vested in consumers to exercise this right at any juncture. 

Per the purview of 16CFR313.7g1, the efficacy of my direction to opt out remains steadfast until such time that I formally rescind it in writing, or, upon mutual agreement, electronically. 

It is imperative that ALL HARD & SOFT INQUIRIES be expunged forthwith, given their classification as non-open accounts pursuant to the statutory provisions of 15 USC 6801. In tandem with the invocation of the PRIVACY ACT OF 1974 and 15 USC 1681 ( b ), under the rubric of permissible purposes, I also choose to opt out of the reporting of all soft/hard inquiries in consonance with 16 CFR 313.7 ( f ). Moreover, I assert my entitlement to the " right to deletion. '' The characterization of any charge-off as a Certificate of Indebtedness merits meticulous scrutiny, as such instances are deemed tantamount to income and, by extension, are ineligible for reporting. This assertion is bolstered by the elucidations delineated in IRS publication XXXX, accessible via the following link : [ XXXX XXXX ]. 

In concordance with the mandates enshrined in 15 USC 6801, it is incumbent upon financial institutions to embrace a policy framework that upholds the sanctity of customer privacy, ensuring the safeguarding of non-public information in a secure and confidential milieu. Consequently, I demand the expurgation of all transaction history and inquiries from my credit report, for it is a flagrant transgression to disseminate any such information. In lieu thereof, I assert that all account balances be accurately reflected as " PAID IN FULL '' or " PAID AS AGREED, '' whilst simultaneously insisting on the obliteration of all hard/soft inquiries. 

The rectification of all duplicate names and misspellings, alongside the removal of non-mailable addresses, stands imperative. It is incumbent upon all entities concerned to ensure that my nomenclature is articulated in its entirety, encompassing solely the first, middle, and last names, devoid of any aberrations.
Consumer complaint received 2024-08-30
Product: Prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: PayActiv, Inc. (VA)

XXXX XXXX : XXXX for XXXX hours worked @ {$1300.00} " Gross income '' Earned Wage XXXX : XX/XX/XXXX @ {$1300.00} minus the {$500.00} E.W.A. deduction with other taxes and deductions = Pay Date : XX/XX/XXXX @ {$580.00} " Net income '' Now the only problem I'm having is transferring it to my linked bank account. 

I can see the {$500.00} direct deposit is in my Payactiv account but it says {$180.00} is available only. 

The {$180.00} is what I've currently earned since XX/XX/XXXX. 

The {$500.00} was earned before XX/XX/XXXX. 

What it means is that Payactiv is charging me {$500.00} to get {$500.00} or that it's using it as some sort of buffer to make sure I don't overdraft. 

That makes no sense! 

Please advise, XXXX XXXX
Consumer complaint received 2024-05-30
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

I was robbed totally outta of my savings and checking account my XXXX INCOME TAXES PAYROLL CHECKS AND CHILD REBATE CHECKS NEVER RECEIVED BUT IS POSTED ON MY TRANSACTIONS AND SETTINGS IN MY APP AND ONLINE BANKING NOBODY WOULD NOT HELP ME I KEPT CLOSING MY ACCOUNTS THEY WERE STILL OPENED AND REOPENED BY THE SCAMMERS HELP ME AND MY XXXX XXXX I work XXXX HRS SHIFTS XXXX AT XXXX XXXX $ just this month again on the XXXX of XXXX {$790.00} {$500.00} {$500.00} never saw NOTHING IM HURTING AND MY MENTAL STATE AND KIDS MENTAL STATE IS DEMOLISHED PLEASE HELP US
Consumer complaint received 2024-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (OH)

I received a letter to collect debt from a company called Transworld Systems IncXXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that belongs to account number XXXX at the amount of {$92.00}. I confirmed and paid the amount using XXXX XXXX XXXX 

Issue # XXXX : I never received a letter that I owe that amount to XXXX XXXX XXXX, not once or twice. I checked XXXX XXXXXXXX XXXX web site and I still show no amount is owed before payment. 
Issue # XXXX : Even I checked and received the letter from mailbox on XX/XX/year>, the letter mentions that I have XX/XX/year> to dispute the debt. I checked and confirmed yesterday ( XX/XX/year> for my wife 's medicine ) and there was no such letter in my mailbox and I subscribed to USPS Informed delivery and I didn't notice that mail on earlier days. 

Thanks XXXX XXXX
Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC (TN)

Dear Sir/Madam, Subject : Formal Complaint Against TitleMax for Harassment and Potential FDCPA Violation I am writing to formally lodge a complaint against TitleMax due to their recent actions which I believe violate the Fair Debt Collection Practices Act ( FDCPA ). After initially reporting TitleMax to the CFPB for charging exorbitantly high additional rates, I have begun receiving multiple pieces of mail from them each day. 

The excessive and repetitive mailing, which began shortly after my initial complaint, seems to be a form of harassment and retaliation for my previous actions. This persistent contact is causing me considerable distress and XXXX, and I believe it is intended to intimidate and pressure me unfairly. I am also awaiting important pieces of mail via paper and email regarding my daughters XXXX XXXX enrollment, and XXXX benefits. Due to the excessive amount of mail I am receiving daily from TitleMax, I have already missed a important outreach via email and I am worried that more these critical documents may be overlooked or lost by the mail carrier. 

This volume of correspondence is unreasonable and I believe it is in violation of the FDCPA 's provisions against harassment and unfair practices. 

I request the CFPB please investigate this matter and take appropriate action to ensure that TitleMax ceases these harassing practices. Additionally, I would appreciate guidance on any further steps I should take to protect myself from such behavior. 

Enclosed are copies of the correspondence I have received from TitleMax as evidence of this harassment. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I charged my Costco Citi Visa card for {$7500.00} as part of an agreement I had with XXXX  XXXX ( XXXX ) to provide architectural drawings and engineering design for my home remodeling project. XXXX kept the fact from me that it went into bankruptcy before I made the payment. I am not able to recover the fund from DE after making several attempts, despite the fact that XXXX has not fulfilled its obligation per the contract terms. Therefore, I turned to Citi Visa to open the dispute in XX/XX/XXXX. After several months of back and forth responding to document requests, on XX/XX/XXXX, I learned from talking to the Dispute line that the case was denied. I was told that Citi has no way of reopening the case and that XXXX made the decision, not Citi. Clearly, the services were not provided and I was denied a refund/billing adjustment of the full amount. Citi could not provide me with a contact at XXXX in order for me to inquire a specific reason other than not sufficient information to arrive at a favorable decision. I have provided all the documents requested of me with explanations.
Consumer complaint received 2024-08-01
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (FL)

Date : XXXX XXXX XXXX Amount XXXX Company : Money network XXXX keep denying my appeal with providing any information on my dispute appeal. I notified them immediately after the transfer that I dont know who got the money and they asked me to wait for XXXX business days before calling again. Next time I saw the money was transferred to an external account which isnt mine and I dont even know the account name or number where the money was sent. I complained them many times to provide me the denial details but they never did. I want to know how an external account got added to my account without my approval. All my previous transactions made to my account with my name and the last transaction all of a sudden it went to an account which doesnt even have my name. I wanted money network to take responsibility for their software issues and give my money back
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Greetings, On XX/XX/2023 I sent a personal information letter to Experian to correct the incorrect information displayed on my consumer report. I informed them that my name and address was incorrect. I also that I wanted my employment information removed. I also included 15 USC 1681 ( a ) ( 4 ) as well to inform them of my privacy rights. 
They sent me an updated report with my name still wrong and old addresses are still on my consumer report. As well as my employment information is also still on my report. 
I sent a second personal information letter on XX/XX/2023 to once again demand that my personal information be corrected.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Subject : Complaint Regarding Unresolved Fraud Claim with Bank of America Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Bank of America regarding their handling of a fraud claim I filed in XX/XX/2023. My account was hacked, resulting in an unauthorized transaction of {$500.00}. I reported the incident promptly and provided all necessary documentation, including a police report and a phone report from XXXX. 

Despite submitting these documents promptly, Bank of America has repeatedly denied my claim. Each time I reapply, they request additional documentation, making it increasingly difficult to prove my case. As a person on a strict income due to my XXXX, this situation has caused significant financial and emotional distress. 

Here is a summary of the events : Incident Date : XX/XX/2023 Unauthorized Transaction Amount : {$500.00} Documentation Provided : Police Report Phone Report from XXXX Bank of America 's Response : The claim was denied multiple times, with escalating requests for additional documentation. 
I have exhausted all means to resolve this issue directly with Bank of America, but their response needs to be more adequate and supportive. Given my limited income and the undue stress this situation has caused, I would like your help resolving this matter quickly and fairly. 

I appreciate your attention to this serious issue and am waiting for your guidance on the next steps. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX Attachments : Police Report Phone Report from XXXX Letter I submitted to Bank of America CEO
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

Before federal student loan repayments resumed post-covid, I applied for the SAVE program, and was accepted with a monthly payment of {$0.00} due to my financial circumstances and birth of my child ( dependent ). 

I have repeatedly been emailed about missing payments. I called several times and asked them to adjust my payments to reflect my SAVE program, and was told that MOHELA was evaluating the plan. 

In XX/XX/2024, they called me due to missed payments, and I explained the situation again, and the rep put me in administrative forbearance, yet I still continued to receive emails about missed payments. 

I should have {$0.00} payments now, and be working towards forgiveness, but MOHELA is not processing my new payment plan.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I did not receive a notice of my right to dispute this debt, and no information has been provided to verify that this debt actually belongs to me. 

To ensure that this debt is valid and does indeed belong to me, I am requesting that you provide proof of an agreement, including a copy of a document bearing my handwritten signature. Without this verification, I believe that this debt has been reported in error.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (IL)

Complaint against Mohela Department of Ed. 

1. My loans have been forgiven.

2. I have contacted them 8 times and sent proof.

3. Additionally on the statements they send me the loan distribution dates don't even coincide with the classes or degrees I have.

4. My last Graduation was in XXXX. They have loans being distributed in XXXX, XXXX, and XXXX, not my information. 
5. I filed a complaint with The Federal Student Aid, and never heard anything back.

I will upload all the data I have.
Consumer complaint received 2024-05-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (FL)

Purchased home on XX/XX/XXXX, assuming an existing VA Mortgage. 

Started application with Mr. Cooper to assume existing mortgage, for release of liability for the Seller of the property, on XX/XX/XXXX. 

Denied Mortgage by Mr. Cooper on XX/XX/XXXX, and advised I could appeal to the VA From this date on thru to XX/XX/XXXX we have been requesting our file to be transferred to the VA, by way of E-Mails and phone calls. 

VA has also sent emails to Mr Cooper requesting my file. 

I am enclosing copies of my emails with Mr. Cooper and the VA requesting the file to be uploaded.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

My student loan provider is MOHELA. There is no way to make an additional payment towards the principal balance. In order for funds in excess to the minimum payment to be applied to the principal balance, you must fax written instructions to MOHELA. They do not provide a template for language to ensure this is handled properly, nor do they provide confirmation the instructions were received. There is no indication on your account that the rules requested have been applied. They also omit the word " principal '' in the instructions. The only option when paying through their portal is to advance the payment. The language they include in the FAQ regarding this matter is as follows : " To never pay loan ( s ) ahead when you make additional payments greater than the total amount due ... '' In multiple places on the website you can find instructions that contradict other instructions on the same website about the same process. This is deceptive and predatory practice.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA 605B necessitates the removal of any erroneous accounts from my credit report. These accounts inaccurately represent the reporting. I should be compensated {$1000.00} for each mistaken report on my credit file.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (CA)

15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines the acceptable reasons for obtaining a consumer report. The unauthorized inquiries do not fall under any permissible purpose.

15 U.S.C. 1681q - Obtaining Information Under False Pretenses : Obtaining a consumer report under false pretenses is illegal.

15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : I am disputing the accuracy of these inquiries and requesting their removal.
Consumer complaint received 2023-08-22
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. (TN)

XXXX XXXX has failed to verify the debt reporting to Experian under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One opened a credit card in my name without my knowledge or consent. I reported this to Capital One. I also several times asked Capital One to give me any information that they might have that would help me to find out how this credit card was applied for and who might have fraudulently opened this card in my name. They have not done so. I have not received any follow ups from Capital One. I was asked to send documentation proving my identity and a letter asking for more information. Twice I was given the wrong fax number to send it to by Capital One representatives. I had to speak to a supervisor and spent almost an hour on the phone to get the supervisor to cooperate with me to help locate the documents I sent in and get them to the right department. Now the supervisor told me the right department should be able to process my request and will be in touch. But he would not tell me when that would happen. Or if it would happen via telephone or mail.