davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc. (AZ)

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-25
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IA)

Someone opened a Best Buy credit card in my name and charged {$3900.00} to it on XX/XX/XXXX. I received the Best Buy card in the mail on XX/XX/XXXX and closed the account on XX/XX/XXXX. I received the bill from Best Buy through the mail on XX/XX/XXXX. Prior to this I had not realized the card had actually been used.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (AL)

Okay this is unacceptable now. I have done EVERYTHING PayPal have asked me to do. Ive waited since XXXX to get this money. PayPal told me I am able to withdraw my money but every time I try to I keep getting a message saying the transaction can not be completed. I call PayPal and got told to wait XXXX hours and try again so I wait XXXX hours and same thing still cant get my money I call paypal again and get told to wait XXXX hours and I do just that and same thing still cant get my money. I call you again and again get told to wait another XXXX hours this is not right what kind of show are you running?!?! I have done everything you told me to do and still cant get my money.. this is XXXX ridiculous!XXXX I need my money!XXXX Its over $ XXXX its not just pocket change and when I call paypal they are so non chalant like if somebody took $ XXXX from them I bet they wouldnt be all calm like they dont give a XXXX!!!
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd. (NC)

I got a text message saying I had a debt of XXXX dollars from the XXXX  XXXX I called the XXXX XXXX customer service and I was told my account was in good standing. They texted me a link to pay a balance some how some way they had my account number for my XXXX XXXX account number. I didnt not pay any amount since I was told by XXXX XXXX customer service that the debt collection amount is a scam
Consumer complaint received 2024-04-02
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. (OH)

This is a company seeking money from me, we never agreed in no such contract there are sharing my personal information on different platforms without consent. I told the company that I will conditionally expect your offer upon proof of claim that if you can provide the original charging instrument for this account. Pursuant to the Uniform Commercial Code you must be holder and due course of the original charging instrument otherwise you may not make the presentment. If you you provide the original charging instrument I will gladly pay the said amount also I conditionally expect your offer upon proof of claim if you provide the XXXX OID that shows who the recipient of said funds. If this company can not provide this information its identity theft and must be removed off my credit report immediately and the cost of the violation XXXX XXXX dollars per penalty
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (NY)

I bought a camera from a woman on XXXX, she said that the app to use to send her the money was Remitly as shes from the XXXX. I went and tried to send her the money and Remitly told me the transaction did not go through but they STILL took money out of my account. Thats fraud and Ive never seen any money transfer service deny a transaction but still take money out of someones account. There is absolutely 0 reason why the transaction shouldnt have gone through. They refused to tell me why my transaction didnt go through and why my account was deleted. They said Id get my money back in up to 10 days but multiple other people had this same issue and said they never got their money back or waited up to 3 months. I contacted their customer service team and they were no help at all. Thats absolute ludicrous!!! They are a scam company and apparently they engage in money laundering!!!!
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CT)

Dear Consumer Financial Protection Bureau, I am writing to report a serious case of fraud and mismanagement by Wells Fargo Bank, which has left me feeling helpless and vulnerable. On XX/XX/2024 i deposited {$9100.00} in cash at a Wells Fargo in-person branch location. However, when I reviewed my account online, I was shocked to see that only {$7100.00} was reflected in my account. The remaining {$2000.00} is missing. 

I did not notice the discrepancy immediately because my online access was locked, and I had to visit the branch in person to resolve the issue. Unfortunately, when I went to the branch, I was told that there was no record of the discrepancy and that I would have to wait for the issue to be resolved. However, after multiple visits and phone calls, the issue was not resolved, and I was left with no explanation for the missing funds. 

I am not surprised by this outcome, given Wells Fargo 's reputation for engaging in fraudulent and illegal activities. As you are aware, the bank has been ordered to pay over {$2.00} XXXX in customer refunds due to its illegal practices, including over {$1.00} XXXX for auto lending tactics and over {$500.00} XXXX for surprise overdraft fees and other misconduct related to deposit accounts. 

I am writing to request your assistance in resolving this matter and recovering my stolen funds. I am a hardworking individual who is struggling to make ends meet, and I am finding it increasingly difficult to pay my rent and other essential expenses. The loss of my {$2000.00} is a significant financial burden for me, and I am unable to continue fighting this issue on my own. 

I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and hold Wells Fargo accountable for its actions. I also request that you provide guidance on how to recover my stolen funds and ensure that Wells Fargo takes steps to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Inaccurate Credit Reporting by SecurityCred ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by SecurityCred. The details of the account in question are as follows : - Original Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX - Account Type : Collection - Balance : {$7000.00} - Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) The issues with this account are as follows : 1. **No Contract with SecurityCred : ** I have no contractual relationship with SecurityCred. Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with SecurityCred invalidates the reporting of this debt on my credit report.

2. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for an extended period. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. Under the FCRA, information reported on my credit report must be accurate and not misleading.

3. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

4. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

I have previously disputed this matter with the credit bureaus ( XXXX, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I noticed a Bankruptcy XXXX XXXX XXXX XXXX XXXX on my credit report and disputed it with the credit bureaus in XXXX ( LATE ) which they stated was accurate. I began to look up the proper way in which it was reported because they stated they spoke with the " original creditor '', which would be the Court. I wrote the court a letter in XXXX XXXX XXXX asking that they verify the information. Being an XXXX, this is all new to me. The court said they do not report anything to the Credit bureaus ( this paper is uploaded ). Which lead me to being very confused. If they do not report it, why is it there...? 
After more time and research, I disputed it again with the credit bureaus XXXX, XXXX and XXXX XXXX in XXXX. They said it was accurate, but this time they changed and said it was reported by a company called LexisNexis, which I have never heard of. I guess they report public records. I submitted a request to them in XXXX and they responded with a generic letter stating they were looking into it, but also cited a company called XXXX This passing the buck never ends. 

I have attempted several more times the credit bureaus in XXXX and XXXX, and even did a dispute for XXXX because this inaccurate item is hurting me so much! I am not sure where to turn because I feel they are ignoring me.
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (CA)

XXXX, I have created the compliant XXXX XXXX XXXX XXXX with CFPB. This case is closed by US bank and the CFPB. Unfortunately, the issue NOT resolved. 

The issue was paying my property tax payment. US bank closed the case stating the property tax had been paid. Unfortunately, The taxes have NOT been paid by the US bank so far. 

The amount is taken from the XXXX account of {$14000.00} on XXXX. As of today it XXXX days over. The amount is not returned to me or payment is not received by XXXX. 

I closed the XXXX account on XXXX XXXX. 

I will pay property tax myself. I need US bank to return the {$14000.00} to me. 

Also, I need compensation for my efforts with US bank for the past XXXX days. During this time, I have called US bank XXXX times to resolve the issue. 

Thank you
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Social XXXX On my XXXX XXXX report there are4 negative items that are charged their under dispute my complaint I filed a federal trade commission identity theft report XXXX XXXX supposed to remove those items that are negative on my report in 24 hours can you please have XXXX XXXX  removed these four negative items that are charged off due to fraud theirs a federal trade commission identity theft report on file an on my equifax Credit report theirs one negative item that shows 60 days latest that account is a fraud account please have Equifax remove that one negative item that's 60 days late I filed a federal trade commission identity theft report on file
Consumer complaint received 2023-10-20
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. (TX)

in accordance with the fair credit reporting act. the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 list of accounts XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXX 15u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 204a section 2 also state a consumer reporting agency can not furnish an account with my written instructions 15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

On XX/XX/year>, I sent a cease and desist letter to Jefferson Capital Systems LLC regarding an alleged debt of {$2700.00} under account number XXXX and reference number XXXX. In this letter, I invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692c, to refuse payment of this debt. I demanded the following actions : Deletion of the tradeline from my consumer credit reports to all credit reporting agencies. 
Immediate cessation of all communication with me regarding this alleged debt. 
Provision of a detailed audit trail for the account showing all transactions and notations associated with it. 
Despite my clear and lawful requests, Jefferson Capital Systems LLC has failed to comply. They have neither ceased communication nor removed the tradeline from my credit reports. Additionally, I have not received the requested audit trail. This non-compliance constitutes a violation of the FDCPA and has caused me significant stress and emotional distress.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-09-28
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: Duvera Billing Services, LLC (NV)

I have requested XXXX XXXX to send me a copy of a master bill for this alleged debt that is reporting on my credit report. 

A purchase agreement Also, a signature showing I signed for this alleged debt. I have also request for the company a copy of your state license, including license number that give you rights to collect in my state. 

This company has failed to send any of my requested information causing me bad financial hardship on my credit report. 

XXXX/DVRA account XXXX
Consumer complaint received 2024-05-15
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: Chime Financial Inc (FL)

i requested a chargeback on an XXXX purchase that i was instructed to do by XXXX. 

I have asked twice and both time i have sent all the required information including emails from XXXX telling me to intiate a chargeback. 

Each time Chime has refused the chargeback, now i am unable to proceed a 3rd time as their systems will not allow it. 

Chime has also prevented any way of contact them directly for customer service on this matter.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXBalance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I had disputed charges due to fraud on my USAA checking account I received a provisional credit and then they reversed the credits leaving my account negative {$630.00} which is extremely upsetting because how can they just let these fraudsters get away with this kind of thing and XXXX me over when this is truly a fraud case
Consumer complaint received 2022-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

My cash app card was stolen yesterday and my grandma had sent me XXXX XXXX It was used at various places I've never even been to. Totaling about XXXX $ and some change. I reached out to company multiple times all yesterday and today and still have yet to be answered. When I called them they said the transactions are pending and or already went thru so it's not their problem and to report my card stolen which I already had done. I just want my money back.
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (OH)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXBalance : {$4100.00}