davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
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. (PA)

15 USC 1681a Definitions ; RULES OF CONSTRUCTION ( XXXX ) Exclusions. -Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include ( A ) subject to section 1681s- 3 of this title, Any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Transactions should not be included on my consumer report if they are not accurate, verifiable, or complete. 

15 USC 1681 ( A ) ( i ) -exclusions- except as provided in paragraph ( XXXX ) the term consumer report does not included ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report, The late payment on my ( Dept of education/NetNet ) account should not be included in my consumer report because according to the consumer law they are transactions and transactions are excluded from a consumers file. Please update this late payment to PAANL ( PAID AS AGREED NEVER LATE ) and update my payment history " ok ''.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

On Monday XX/XX/XXXX of XXXX, I received a call from Wells Fargo reporting suspicious activity in my checking account. I confirmed the activity was fraudulent, ordered a new card and was reimbursed for the amount. The next day, the fraudulent charges continued. I talked to WF and found out that someone had cloned my card, had my pin number and was calling the automated system. In the automated system they were able to increase the atm withdrawal amount, move all of my savings to my checking, and order a cash advance from my credit card. I took several steps to stop this from happening, spending about four hours on the phone with wells Fargo and another two hours in a branch proving I was the owner. I changed my username, passwords, pins, ordered new cards, then cancelled all cards. I even closed the account and opened a whole new one. In the end Wells Fargo denied all my claims and refused to pull up video of the atm showing it wasn't me making the withdrawals. I had to file a complaint here in order to get reimbursed for the {$11000.00} stolen from my account due to their negligent phone security. They still denied my {$8000.00} claim on the credit card even after reimbursing me for the checking account fraud. I am now being charged huge interest fees and other charges on my credit card for money I never withdrew. I want all charges on my credit card cleared.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (MD)

Dear The Bureaus inc, I am writing to address the response I received from your office dated XX/XX/year>, regarding the alleged debt associated with my name. Upon reviewing your response, I find it necessary to bring to your attention several issues regarding the handling of this matter and the violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

In my previous correspondence, I explicitly requested validation of this alleged debt, as I was unaware of its existence. I also emphasized my rights under the FDCPA, which mandates that debt collectors provide validation of debts upon request. However, your response failed to provide any validation of the alleged debt, thereby violating my rights under the FDCPA.

Furthermore, in your response, you referenced a law that does not exist, namely " 15 USC 1692g Sec. 809 ( b ). '' This misleading reference raises concerns about the legitimacy and accuracy of your response. The actual law pertaining to debt validation is found in 15 USC 1692g, which outlines a debtor 's rights to request validation of a debt. This discrepancy further undermines the credibility of your response.

Under the FCRA, debt collectors are required to provide consumers with notice of a debt within five days of the initial communication. However, I received no such notice from your office. Additionally, you furnished this alleged debt to the three Credit Reporting Agencies ( CRAs ) without providing me with proper notice, thereby violating my rights under the FCRA.

In your response, you claimed to have verified this alleged debt and provided me with proper notice. If this is indeed the case, I demand that you provide me with the certified mail receipt with my signature on it, confirming that I received notification of this alleged debt. Furthermore, I request that you provide me with all signatures of individuals who verified the accuracy of this debt and details of the steps taken to verify its accuracy.

This letter serves as my final complaint to your office regarding this matter. I demand that this alleged debt be immediately deleted from my records. Failure to comply with my demands will result in legal action to ensure that my rights are upheld and that justice is served.

I expect a prompt response to this letter, confirming your acknowledgment of my demands and your commitment to resolving this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (GA)

I recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. 
Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.
Consumer complaint received 2024-05-23
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: Kikoff Inc. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (ME)

I have been a customer of Robinhood for a long time. Recently, after I lost my debit card, I began to use their Robinhood XXXX XXXX  as my primary debit card. After receiving a large sum of money to my bank account, I began transferring it in daily increments to my Robinhood account so I could use it. This worked fine for a few days, but then my XXXX XXXX began declining. When I reached out, I was told to generate ban k statements for both my main bank account, as well as the XXXX account I was using with Robinhood. Unfortunately, XXXX doesn't have statements, and when I told them this, they assured me that a photo of my debit card would suffice. After sending this documentation in, I was almost immediately told that my account had been closed and there would be no further action ( XXXX ). My funds were to be returned within 15 business days. On XX/XX/XXXX, Robinhood returned {$3200.00} of my {$4000.00} in the account. It has been nearly a month since then and they are still holding {$720.00} of my funds, and I have been blacklisted by their live chat, phone, and email support, only receiving the default email stating that Robinhood is " no longer able to maintain my account. ''
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (NY)

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 id 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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Braviant Holdings, LLC (MO)

Company : Balance Credit Product/Service : Personal Installment Loan Issue : Debt collection, Credit reporting Details : I am writing to submit a complaint against Balance Credit for their inaccurate credit reporting and debt collection practices. Despite my previous disputes and requests for validation, Balance Credit has failed to provide adequate evidence to support the debt. 

Balance Credit 's response on XXXX XXXX, 2024, failed to address my concerns and provided contradictory information. They claimed to have investigated the matter, but their investigation was inadequate. They failed to provide any evidence to support the debt, and their response raised new questions about the ownership and status of the loan. 

I dispute the debt reported by Balance Credit to the credit bureaus, as I do not owe this debt. Balance Credit has failed to investigate my dispute and has continued to report inaccurate information to the credit bureaus. I request that the CFPB take immediate action to : - Investigate Balance Credit 's credit reporting and debt collection practices- Require Balance Credit to correct the inaccurate information reported to the credit bureaus - Hold Balance Credit accountable for any violations of federal law Additional information : - Account Number : unknown - State : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Braviant Holdings, LLC (MO)

Company : Balance Credit Product/Service : Personal Installment Loan Issue : Debt collection, Credit reporting Details : I am writing to submit a complaint against Balance Credit for their inaccurate credit reporting and debt collection practices. Despite my previous disputes and requests for validation, Balance Credit has failed to provide adequate evidence to support the debt. 

Balance Credit 's response on XXXX XXXX, 2024, failed to address my concerns and provided contradictory information. They claimed to have investigated the matter, but their investigation was inadequate. They failed to provide any evidence to support the debt, and their response raised new questions about the ownership and status of the loan. 

I dispute the debt reported by Balance Credit to the credit bureaus, as I do not owe this debt. Balance Credit has failed to investigate my dispute and has continued to report inaccurate information to the credit bureaus. I request that the CFPB take immediate action to : - Investigate Balance Credit 's credit reporting and debt collection practices- Require Balance Credit to correct the inaccurate information reported to the credit bureaus - Hold Balance Credit accountable for any violations of federal law Additional information : - Account Number : unknown - State : XXXX  Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have a credit card with Capital One. My credit card due date is XX/XX/XXXX. I attempted to make my minimum payment on XX/XX/XXXX on their website. When I attempted to make the payment the website would not credit the payment for the due date and instead forced me to choose the next business day, XX/XX/XXXX. I went ahead and processed the minimum payment. 

I then called Capital One to find out why I could not process my payment for today ( XX/XX/XXXX ) even though the day was not over. I was given an excuse that it was past XXXX on the XXXX XXXX and because of that I could not credit the payment for my due date. This makes no sense since the day is not over and I live on the XXXX XXXX which is three hours earlier from the XXXX XXXX. I asked to speak with a supervisor and when I spoke with the supervisor he spoke in a condescending tone that I felt was disrespectful. 

I noticed that a late fee had been assessed to my account dated today ( XX/XX/XXXX ), even though the day was not over. I requested that the late fee be removed from my account and was told that they could not do so because it was after XXXX on my due date. Again this makes no sense.
Consumer complaint received 2024-05-22
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nexum Group Inc (WA)

On XX/XX/2023, Nexum Group Inc. attempted to collect a debt in the amount of {$13000.00} on behalf of their client. Nexum Group Inc. threatened to recommend legal action if unable to come to a resolution. Subsequently, Nexum Group Inc. reported the alleged debt to the credit bureau ( XXXX ) causing me financial harm. On XX/XX/2023, I sent a letter in writing and via email to Nexum Group Inc. stating that I am not responsible for this debt and request that if reported, the debt be reported as in dispute. The alleged debt is the result of a dispute between my landlord and I regarding a rental property for which I validly gave notice to vacate. The landlord is invalidly attempting to charge rent after I vacated and sent a claim to an out-of-state collection agency. The collector, Nexum Group Inc, is not licensed in Washington State, where I reside, as a debt collection agency. In addition, the collection agency failed to report the debt as disputed. Nexum Group Inc. failed to abide by Federal Statute requiring that, if notified in writing that the debt is disputed, the collector shall cease collection of the debt until the debt collector verifies the debt and mails a copy of the verification or judgement to me, the consumer. Nexum Group Inc. failed to follow Federal Statue and did not mail a copy of the verification or judgement to me as requested by me in writing.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Certegy Holdings, LLC (CA)

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, XXXX, Certegy, XXXX XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

My personal information and personal cell phone number were stolen by XXXX XXXX to open bank accounts and cards fraudulently since XXXX 2023. All other banks but CitiBank took my police report and other supporting evidence to resolve the related issues. Only CitiBank refused to take my supporting evidence and insisted the Citi Credit Card was opened by me. I filed complaints multi times, CitiBank used the false documents provided by XXXX XXXX when the XXXXXXXX  opened the credit card for the investigations and drew the conclusion. I don't understand how come CitiBank can properly investigate without reviewing the documents from a victim of XXXX XXXX?  One of those reasons CitiBank listed is that " payments to the credit card were made under my name ''. What's the total payment amount? It's less than {$200.00}, but the XXXX  spent more than $ XXXX with the credit card by using my personal info. fraudulently. Right now, I file a claim again and submit all evidence to support my position. Please have CitiBank reviewed my documents and solve this issue properly. 

Moreover, I reserve the right to take legal action.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX Consumer Financial Protection Bureau Dear Sir/Madam , Subject : Issue with Deposited Funds into Closed Bank Account through XXXX XXXX I am writing to bring to your attention a concerning issue regarding a recent financial transaction that has caused significant inconvenience and financial distress. The details of the matter are as follows : I recently started working with XXXX XXXX, a company that utilizes the XXXX XXXX for paying its employees. Due to an oversight, an old and closed Chase bank account and debit card were still associated with my Stripe account. Consequently, on XXXX XXXX, a paycheck of {$480.00} was mistakenly deposited into this closed Chase account ending in XXXX. 

Upon discovering the error, I promptly contacted both XXXX XXXX and XXXX to rectify the situation. However, I was directed to Chase Bank by both parties to resolve the issue of the misdirected funds. After extensive discussions with Chase Bank 's customer service representatives, including the collections department, it was confirmed that no funds were deposited into the closed account ending in XXXX. 

This discrepancy is causing confusion and financial hardship for me, as XXXX XXXX insists that the funds have been successfully deposited into the account ending in XXXX. I have provided all necessary information and evidence to Chase Bank to support my claim, but to no avail. 

I am seeking your assistance in resolving this matter promptly. I kindly request your intervention in facilitating the retrieval of the misplaced funds and ensuring that they are redirected to the correct bank account associated with my Stripe account. 

I have attached relevant documentation, including transaction records and correspondence with all parties involved, for your reference. Your prompt attention to this matter is greatly appreciated, as the funds are urgently needed for essential expenses. 

Thank you for your time and assistance in addressing this issue. I look forward to a swift resolution and the return of the funds to the correct account. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

I attended XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Tx. I completed the XXXX course. I never received my Certificate of completion. i tried to contact them but they are out of business. I don't know what to do at this time and i still have student loans.
Consumer complaint received 2024-05-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Remex, Inc. (NJ)

Hi! On XX/XX/20 I have XXXX  and was hospitalized for 2 months, my insurance on that date was XXXXXXXX XXXX XXXX and it was supposed to cover 100 % of my XXXX, but didnt, I spoke to them many times and they told me to forget it, because they were going to solve the problem, 4 years have passed and I received a debt collector letter that I have to pay {$500.00} I currently XXXX and I can not pay it due to an error of my health insurance