davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc. (FL)

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to file a formal complaint against Bounce AI , Inc . I originally had an account with XXXX XXXX, where I was consistently current on my biweekly payments and had never missed a payment until recently. Unfortunately, I lost my job on XX/XX/28 and promptly informed XXXX XXXX about my situation. 

Despite my proactive communication, my account was reported to the credit agency, significantly impacting my credit score. Since then, I have been actively searching for a new job and facing severe financial difficulties, leading to delinquency on all my bills. 

I attempted to negotiate a settlement or find a solution to manage my debt under these challenging circumstances, but my requests were denied by XXXX XXXX. Additionally, I learned that my debt was sold to Bounce AI , Inc., further complicating my situation. I have also reached out to Bounce AI in an effort to negotiate, but to no avail. 

It is particularly distressing to note that, prior to my job loss, I maintained a good standing with XXXX XXXX and had never missed a payment. Despite this history, my situation has not been met with any flexibility or support from either company. 

In light of the lack of assistance, I have reported both XXXX XXXX and Bounce AI to several regulatory agencies, including the Federal Trade Commission ( FTC ), the Florida State Attorney Generals Office, and now the Consumer Financial Protection Bureau ( CFPB ). This was done to alert these agencies and potential customers about the business practices I have encountered. 

I strongly urge the CFPB to review my case and provide a fair and reasonable solution. I am seeking an adjustment of my loan terms to more manageable rates, as well as the removal of any negative remarks from my credit report. It is imperative that these issues be investigated thoroughly, as my attempts to resolve them through the companies ' customer service channels have been ignored or outright denied. 

I look forward to your assistance in resolving this matter and achieving a satisfactory resolution to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened a checking account with Truist Bank under this promo. It requires at least two direct deposits totaling {$1000.00}. The bank is saying that salary deposit and HSA disbursements are not valid direct deposits. They are refusing to pay the bonus because according to them, these are not valid direct deposits. 
( *A qualifying Direct Deposit is an electronic credit ( greater than {$0.00} ) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Offer Information : Earn {$400.00} for opening a new Truist One  Checking account online [ ... ] and completing at least 2 qualifying Direct Deposits* totaling {$1000.00} or more within 90 days of account opening. 

*A qualifying Direct Deposit is an electronic credit ( greater than {$0.00} ) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NJ)

Over the weekend, I received a text stating the following : AMEX ACCT STATUS - Free Msg : XXXX, did you get our email? Explore payment plans in your inbox or at XXXX Text STOP to unsubscribe. 

I texted STOP and this is what I received : m Amex Free Credit Msg : You will no longer receive Account Alerts text messages. You may still receive free Fraud alerts. Please call XXXX for Help I tried texting the New Owner of phone number no XXXX here -- no response. 

I have had this phone number for over 2 years and can not understand how American Express can send out with the account holders name, and indication that their account payment status is Late!

Isn't this an invasion of privacy, especially for a phone number that has not been verified in over 2 years! Furthermore, calling that number, American Express confirmed that the account was delinquent, yet stated that the number may be outdated. 

My concern, had that been my account, why are they giving the NAME and ACCOUNT STATUS VIA TEXT WITHOUT CONFIRMATION ON A PHONE NUMBER ( Confirmation within 6 mos. ).

Furthermore, there is no option to state, other than calling, wasting my time, money, etc. to opt completely out, as there is the threat of still receiving fraud alerts. 

I asked for ID 's of agents and was refused, I was hung up by agents saying I am not an account holder, I asked for confirmation ( in writing ) that I would not be bothered by this company with fraud alerts and was refused. 

The company thinks it's GOD and has a GOD-LIKE complex they should be fined and policies changed to get to upper management!
Consumer complaint received 2023-11-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (OK)

On XXXX XXXX 2023 I received my direct deposit pension check from XXXX XXXX in the amt. of {$1600.00} to my Ally savings acct. I received a call from Ally Bank that they sent my XXXX XXXX pension check back to XXXX on XX/XX/2023 in error. They said they would compensate me for lost interest because of their mistake. As of today 's date XX/XX/2023 I have still have not received my XXXXXX/XX/2023pension check back to my Ally savings acct. in the amount of {$1600.00}. XXXX XXXX says they never received my pension check back in the amt. of {$1600.00}. Because of Ally Banks error in returning the deposit of {$1600.00} to XXXX I am still short my XXXX 2023 pension check. I am almost XXXX yrs old and need that money to pay my bills.I am requesting Ally Bank to redeposit my pension check of {$1600.00} to my Ally savings acct immediately plus interest due.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: We Collect Inc (WA)

I received a letter from Atlas Financial Services with a false debt on it, and all of the website info they have to learn more about the debt or dispute the debt is not functioning. They advised me to go to XXXX, which is a broken link. I can not find more information or how to dispute this charge.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report, I noticed I have XXXX late payments being reported by XXXX XXXX XXXX. I notice the late payment was reported in XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. These late payments were reported during XXXX XXXX, there was no grace given due to a pandemic happening. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( 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.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (OR)

I have been receiving weekly texts messages from various phone numbers with a message that reads : Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for XXXX XXXXXXXX, XXXX. MRS is a collection agency. If you want to opt out of future text messages reply with STOP. Visit us at : https : //portal.mrsbpo.com. To see important rights and information, click mrsbpo.com/disclosures I have replied STOP, I have reported it as junk, I have blocked the number and I still keep getting these texts every week. I have never had an account with XXXX XXXX and I don't have any debts, so I already knew this was a scam and will not attempt to visit their site or call them as I do not want them to have any more of my information than they already do.
Consumer complaint received 2024-05-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (MD)

The co-owner had took the car from me. I havent had a car in two years and she had text me and said they took the car and I had called the people and it was XXXX. Something dollars on the car that was backed up and the only way I got my car back was to pay that money and before I had called the people she was like you can have the car back so you can have transportation get to work, but you have to pay that money back to get it back so thats messing up my credit for me to get another car to have transportation to get to work and work more hours and take my kids to appointments only way for me to get another car is to pay {$5000.00} on it because of that and its hard to save that kind of money with XXXX kids and other bills. Ive been trying to find a way to get another car and pay XXXX down on it and just pay my payments cause I can forward my payments, but its hard so Im just trying to get that car off my credit and start over
Consumer complaint received 2017-12-12
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: EQUIFAX, INC. (IL)

I 've placed fraud alert on my credit report due to identity thief I 've reached out to, Equifax XXXX and XXXX informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

Equifax : Dispute # XXXX, XXXX, XXXX, XXXX XXXX Dispute # XXXX, XXXX, XXXX, XXXX, XXXX XXXX File #  XXXX - I 've sent 5 disputes and 4 pone calls
Consumer complaint received 2024-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

As I sit here, recounting the events that unfolded during my identity theft nightmare, I cant help but feel a mix of anger, frustration, and helplessness. It all began innocently enougha strange charge on my credit card, an unfamiliar XXXX Payment in my namebut little did I know that this would spiral into a financial catastrophe. 

And then came XXXX  month that forever etched itself into my memory. Right on my birthday, XX/XX/XXXX, everything unraveled. The thiefs actions escalated, and my life took a dark turn. My cards, once dormant, suddenly sprang to life. XXXX XXXX made, draining my accounts. But how? They were closed, inactive. The banks, impervious to logic, failed to protect me. 

On XX/XX/XXXX, I embarked on a marathon of phone calls. Claims, fraud departmentsI pleaded my case, adding new logins, fortifying security, and setting a seven-year fraud alert. Loss prevention listened, empathized, and stood by my side. But fate had other plans. On my birthday, as I sought cash, the unthinkable happened. Someone in fraud, without consulting their superior, canceled my cards. The moneyaround {$500.00} per withdrawalvanished, leaving me bewildered and betrayed. 

How could an account be closed, yet funds flow out? It defied reason. And so, here I am, clinging to hope, sharing my story. Not just for myself, but for no one else enduring this torment. 


Key Points : All Transaction will be identified in the reports attached Fraudulent Activity Concerns : I thoroughly addressed all concerns regarding fraudulent activities and unauthorized transactions in their bank accounts. 

Credit Bureau Report : On XX/XX/2024, a detailed report was submitted to major credit bureaus to mitigate negative impacts on credit history due to fraudulent transactions. 

Fraud Alert Activation : A seven-year fraud alert has been activated on my credit profile so that identity verification is needed before any credit requests are approved. 

Supporting Documents : Various documents have been gathered, including an FTC Identity Theft Report, a police report, and evidence of unauthorized account access, demonstrating the transactions were not authorized. 

I have expressed the utmost eagerness to resolve the matter promptly and trust in your expertise to do what is right and to handle the case with care. 

As Mentioned : Enclosures listed include the FTC Identity Theft Report, FTC Affidavit Form, Police Report, receipts, dates, and corresponding bank statements. I gladly consented to publishing my story to help others learn from my experience and that you can be attacked very easily when it comes to cyber-attacks.
Consumer complaint received 2024-07-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sherloq Group, Inc (FL)

My identity was stolen and someone rented an apartment with this company. The company is trying to force me to pay {$18000.00}. The company closed further attempts to get monies from me on XX/XX/XXXX. They have sent me a letter, dated XX/XX/XXXX to pay debt in full. I am 71 years of age fighting XXXX and XXXX XXXX. I had my XXXX XXXX XXXX of my XXXX removed at the time of the agreement they had with their tenants, XX/XX/XXXX. I was XXXX in XXXX XXXX at that time.
Consumer complaint received 2023-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (NJ)

Wakefield and associates, Inc is reporting 4 items in the amounts of {$130.00}, {$110.00}, {$130.00}, and {$120.00} to my XXXX. I do not owe any of these debts and I've never even seen them on my reports before. I regularly view my XXXX and XXXX through credit monitoring services provided by my bank.
Consumer complaint received 2023-11-21
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX  Balance : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$480.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX XXXX  ; XXXX XX/XX/XXXX
Consumer complaint received 2023-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I settled a credit card account with the XXXX XXXX  XXXX XXXX XXXX XXXX in XX/XX/2022. They are still reporting this debt as an active collection. I have filed numerous complaints about this through this portal and the credit bureaus are not making the appropriate changes to my report.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (ID)

Date : XX/XX/year> Claim # XXXX REFERENCE # XXXX This was another scam involving Wells Fargo and my checking account which I have been waiting for the funds of {$490.00} to be returned to my account. 
A letter dated XX/XX/year> from Wells Fargo bank indicated that this amount was being investigated with XXXX and I have yet to have the {$490.00} returned to my account. 

I would appreciate further research and investigation on the progress of this claim. 

Yet, another fail on Wells Fargo customer service. 

Thank you for your assistance in this matter. 

XXXX XXXX
Consumer complaint received 2024-05-07
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: SYNCHRONY FINANCIAL (TX)

I reviewed my credit report XX/XX/2024 and found unusual activity on my report. To my finding there were hard inquires. On XX/XX/2024 I contacted XXXX and spoke to an agent by the name of XXXX who told me that he could not support with removing the falsified inquires. That same day an FTC report was made for fraud, see attached file.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive reviewed my Consumer Reports and noticed one late payment on my account which has never been late. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late in any payment for this account ( XXXX XXXX XXXX XXXX  : XXXX on XX/XX/year>. Please investigation and provide proof with statements showing that this payment was late. In addition, if no proof can be provided I demand this payment status to be updated to on-time as they should be as I was NEVER LATE. Thank you in advance.