davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (VA)

On Thursday XX/XX/year>, while at work as a home nurse, I received a text from " Chime '' alerting me of a purchase for XXXX at a XXXX XXXX XXXX. The text asked me to confirm if I had made this purchase by responding to the message Yes or No ( text submitted for evidence ). I responded No and received a phone call from XXXX within several minutes. The caller identified herself as a " XXXX XXXX '' from Chime. She verified my name and the last digits of my SS #. She then told me that the XXXX purchase had occurred in Texas and that XXXX transfers were scheduled for XX/XX/year>. She asked me if I knew a " XXXX '' or someone with an XXXX named " XXXX ''. I responded that I do not. She then asked me about recent transactions, and had the list of my most recent transactions. At this point, my boss was standing near me and said " are you SURE that's your bank? ". I hung up on the call and proceeded to call Chime at XXXX. The representative informed me that there was no activity on my account and also Chime does not call customers. While on the phone with Chime, I received an alert that my {$1000.00} transfer to XXXX XXXX had gone through. I told the representative I was speaking to that i had not authorized a transfer, nor do I know this person and she created a dispute. On XX/XX/year> I was made aware that my dispute was denied, and I requested the case to be reopened. My case was again denied on XX/XX/year>.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (FL)

On XXXX XXXX I reached out to XXXX credit bureau at that time I disputed the following account. NATIONAL CREDIT SYSTEMS ACCOUNT NO XXXX. I requested a full validation of this account pursuant to Federal Law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt XXXX categories of validation information. 

XXXX. Debt collector communication Disclosure 12 CFR S 1006.34 C 1 2. Debt Related Information 12 cfr s 1006.34 c 2 i v 34 c 2 ix 3. Itemization Related information 12 cfr s 1006.34 c 2 vi viii 4. Consumer Response Information 12cfr s 1006.34 c 4 5. A copy of the originial contract with my signature for this debt. 
XXXX. Full payment history from the original creditor along with the name and address of the original creditor. 
XXXX.Proof that you now own or have been assigned this debt. 

Th e National credit system responed by sending me a copy of a XXXX XXXX XXXX lease in the name of XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The document they provided is XXXX pages long and does not bear any signature please review this document you will see that on page XXXX of XXXX there are XXXX names typed on this document and they are XXXX XXXX, and XXXX XXXX I have no knowledge of this information, also if you go to page XXXX of XXXX under Severability, Signatures, Originals and Attachments you will see there are no signatures on this document under paragraph XXXX this document states that you are legally bound by this document once you sign this document there are no signatures for anyone to be legally bound. this information is inaccurate and a Fraud and must be deleted under the Fair Credit Reporting Act. Furthermore after review the following company XXXX XXXX XXXX XXXX. I found that this company is in violation of Federal Law and State Law this company is not Licensed nor Registered to collect a debt nor report a debt in the state of Florida, this is FRAUD and must not go un punish this company should not be allowed these kind of Fraudulent practices against consumers.
Consumer complaint received 2023-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (CA)

In attempt to get solar panels my credit was hurt for project that was never started. XXXX took my information and signature from original meeting and used it to add a XXXX debt to my credit. In XX/XX/2023 I canceled the project and XXXX forever told it would be taken care of. Now, earlier this in this month of XX/XX/2023, I noticed the account was still on my credit. XXXX forever claims they've done their part in canceling the project but the debt collector mosaic is telling me XXXX forever is saying they're going to continue the project even though I made it clear I did not want the project to be done. I've had multiple conversations in between XXXX and XX/XX/2023 about having this resolved and I continue to be given the run around. Therefore I am filling this consumer complaint.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

This is my FIFTH validation notice about the alleged debt reporting on my consumer report that needs to be deleted. I requested for validation and verification of this alleged account which they failed to adequately provide me. This agency provided a statement which is a generalized accounting that is NOT accurate because it was NOT a record authenticated.

In my validation/verification letter, I demanded a request for accounting, pursuant to the Uniform Commercial Code ( UCC ) , which is recognized as commercial law. Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.

If this agency is having a hard time understanding the law, my request for an accounting means the request for an accounting you provide me must be signed by someone under authority in order to VALIDATE/VERIFY the information in the instrument ; this is the meaning of what a record authenticated means. A record CAN NOT be authenticated without being signed by someone under authority, therefore theyve not supplied me with adequate information and because its been over 30 days since Ive made my request theyve violated the Fair Credit Reporting Act ( FCRA ) by reporting INVALIDATED information!

A debt collector may not communicate with a consumer in connection with the collection of any debtat any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. And a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

This company is harassing me by saying I owe a debt that is an ALLEGED OBLIGATION and also violated the law by communicating with me at an unusual place and time known by me, THE CONSUMER. I will begin to take legal action if this is not handled properly. CITI Account Number : XXXX
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit. 

I am not liable for this debt with MIDLAND CREDIT MANAGEMENT. I do not have a contract with MIDLAND CREDIT MANAGEMENT. They did not provide me with the original contract as requested.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HAWAIIAN, INC. (HI)

Payment was made from our account online on XX/XX/XXXX. Confirmation that transaction was processed on XX/XX/XXXX ( there is a statement in my payment history ). 

The transaction was never fulfilled despite the confirmation. They have no trace on their end of the payment. 

Weve had recurring issues with First Hawaiian Bank and their online services, and our trust in their investments towards proving safe and reliable services in the current technological environment is dangerously low.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

I got a notification that on my credit report & XXXX report are saying Im 30 days late on a payment for my bobs discount furniture credit card. That is not true. My last payment was made in XXXX & i already disputed this with the merchant. Its still on my report as i was never late on a payment. I also have two scheduled payments for this account that will be taken out in XXXX. I will appreciate the apparent late payment to be removed from my report. Thank you
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (CA)

I am a victim of identity theft. I have no connection or knowledge of the said accounts listed. Please help me with this serious matter. 

Back in 2015 my home was broken into when I came back home all my daughter and my things where scrabbled. All our sensitive information and over XXXX worth of jewelry and XXXX out my safe was stolen. 


Please help me I have no connections with this. 

A police report and identity theft has been filed.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : 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 Date of Birth : XX/XX/XXXX  Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida 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
Consumer complaint received 2024-06-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc. (TX)

on XX/XX/year> i went to buy some food from a supermarket and i added money to cover the bill but cash app declined my card 10 even i have put money to cover the cost on the same day i went to a nail shop and once again i added more money to cover my bill and cash app declined to cover my bill. so i text them to see what was going on and i call they they would not tell what was happening keep hang up on me and once time tolad that will contact me back to resolved i have not heard back and they are hold XXXX usd i try to put it back to my bank i try to upload the my id and try calling cash app seveal time with cash and they telling hanging up on me i have call to speak to a supervisor and they just hang up on me this the only thing i been told witch is a case # XXXX all i want is to get my money back
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX ATM malfunctioned when we deposited {$1600.00} into our checking account. The bank acknowledged the malfunction, but said it will take 2 weeks to return our funds, once they've completed their review. Meanwhile, we had to secure a loan to pay our bills and late charges and credit issues are arising.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (IN)

On Wednesday XX/XX/XXXX at XXXX, I received a text message stating the following : " This is TrueAccord, a debt collector. Resolve your outstanding balance with us : link. Reply STOP to opt out of SMS. '' I checked the link and it stated I had {$620.00} in DEBT?? and that the current creditor was the " XXXX XXXX XXXX, XXXX ''.. I do not have any debt and no one around me has ANY debt.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tower Loan of Mississippi, Inc. (GA)

I would like to file a complaint against XXXX and Towr Loan for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC (GA)

I would like to file a complaint against Sequuim and XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each XXXX was initially sent to all companies on XX/XX/2024
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ADP Inc. (VA)

I requested XXXX XXXX to stop including other individuals who are not a part of my company on written correspondences, which he has failed to do. I have also asked for the compliance regulations and privacy rights of debtors. He failed to provide this information. He continues to send emails to me addressing other individuals who I do not know and I have not authorized for him to contact these individuals. When I asked where did he get these individuals contact information and how are they related to my account he refused to provide this information. The collection company, XXXX XXXX, has not had anyone else contact me regarding this matter as I have requested. The collection representative provided my full name, information regarding my staff and information related to the debt owed to other parties who are not authorized or affiliated with my company without my authorization or consent.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

Complaint About Truist Bank Overdraft Fees To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX Date : XX/XX/year> Regarding : Truist Bank Overdraft Fees Account Information : Truist Bank Account XXXX : Checking XXXX & Checking XXXX Complaint : Dear Consumer Financial Protection Bureau, I am writing to formally complain about the overdraft fees that have been applied to my account by Truist Bank. Over the past few months, I have incurred several overdraft fees that I believe are unjustified. Below are the specific instances of the overdraft fees in question : - **Date : ** XX/XX/year> **Amount : ** - {$36.00} **Description : ** Overdraft Fee - **Date : ** XX/XX/year> **Amount : ** - {$36.00} **Description : ** Overdraft Fee - **Date : ** XX/XX/year> **Amount : ** - {$36.00} **Description : ** Overdraft Fee These fees have caused significant financial strain, and I am struggling to understand why they were applied to my account. I have always endeavored to maintain sufficient funds in my account, and these charges seem excessive and unfair. 

I have contacted Truist Banks customer service department to dispute these charges and seek clarification on their overdraft policies. However, their responses have been unsatisfactory, and I have not received a resolution to my concerns. 

I request that the CFPB investigates Truist Banks overdraft fee practices, specifically how these fees are applied and whether they comply with federal regulations. Additionally, I would like to request a review of my account and a refund of the overdraft fees that have been unjustly charged. 

I believe that these fees are indicative of broader issues with Truist Banks overdraft policies, which may be impacting other consumers as well. Your assistance in resolving this matter and preventing similar issues in the future would be greatly appreciated. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

I am writing to express my concern regarding a recent interaction with my current loan servicer, Mohela, which has left me in a difficult situation as I attempted to apply for the SAVE program. 

On XX/XX/XXXX, I spoke with a representative at XXXX XXXX who advised me to consolidate all of my student loans, including Parent PLUS loans, under the Department of Education. I was informed that this was the only way I could qualify for the XXXX XXXX XXXX program. Following this advice, I proceeded with the consolidation as instructed. 

However, during a conversation with a Mohela representative on XX/XX/XXXX, I was informed that my consolidation of XXXX XXXX XXXX disqualifies me from the SAVE program. I was advised that I should have consolidated only my XXXX  loans, not the XXXX XXXX XXXX. The erroneous information received from XXXX has put me in a challenging financial position. 

As it stands, my current take-home income and family size do not allow me to afford the payment now required by Mohela. Despite having incurred a significant amount of student loan debt with the expectation that a XXXX  would enhance my XXXX XXXX I have been unable to secure a higher-paying job that recognizes the value of my XXXX  and would help alleviate this financial burden. 

Additionally, I have submitted a borrowers defense application due to my attendance at the XXXX  XXXX XXXX, a predatory institution. I completed this application in XX/XX/XXXX, and it has yet to be reviewed. I was informed that the review process could take anywhere from XXXX XXXX XXXX XXXX 

I have had deferments and forbearances over the years, including income-based repayments of {$0.00} per month. I am just learning that these may not be counted toward the Public Service Loan Forgiveness ( PSLF ) program, for which I am eligible. 

The method of basing repayment on gross income rather than net income is problematic. With the rising costs of essential expenses such as mortgage payments, utilities, transportation, insurance, medical and dental care, groceries, etc., it becomes exceedingly difficult to manage additional financial obligations. Taking on a second job to meet my student loan payments is not a feasible solution for me. Under the SAVE program, there was the chance my payments would have been more manageable. 

I am reaching out in hopes of finding a resolution to this issue. The conflicting advice I received stemming from XXXX, has significantly impacted my financial stability, and I am seeking guidance on how to rectify this situation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

XXXX
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

With zero notice they no longer allow debit card payments. I tried using my linked bank account and it took 5 days for the payment to process and customer service stated it would be another 2 days before my available balance would update. No place to physically go in and make a payment. This is now my only option to pay, and they have the guts to be charging over 30 % interest on top of all of this.
Consumer complaint received 2024-06-06
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

I had an old navy credit card issued by Barclay 's bank. 
To my surprise I saw on my credit card that account is closed and I thought for a while that it might be an error but when it stayed like that for a while I decided to call them and when I asked them about what is reason for closure of my account they said I didn't use my card for a while so they went ahead and closed my account which isn't fair. 
My account is in good standing, I never missed a payment and have had this card for over 4 years and there was no balance due on card either. 
They just closed my account because I didn't buy anything from them for a while.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (MI)

I paid off a debt through a collections agency True Accord. XXXX is saying I didn't which is where I use to owe the debt to. I showed proof that I did and XXXX the credit company still will not change the amount and status as paid.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (TX)

XX/XX/XXXX or XX/XX/XXXX of 2023 I went to a time share presentation with Wyndham. They asked for my social just to make sure I could watch the presentation is what I was told. Yesterday, XX/XX/XXXX I received a notice from XXXX  and XXXX XXXX that I was signed up for a new credit card for XXXX with wyndham and it dropped my credit score. I never signed up for a new card. I reached out to wyndham over the phone and they said I did not have a record of that. I did some research online and there are loads of incidents of this exact thing occurring. This is fradulent activity and I did not sign up for a credit card and now my credit score has significantly dropped and I have no way of fixing this.