davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I became aware that approximately {$6300.00} was charged to my credit card account between XX/XX/XXXX and XX/XX/XXXX when I went online to make a payment on my Citi Flex Loan as I had not used the credit card in several months. I immediately contacted Citibank. I confirmed that none of these charges were authorized by me. I also confirmed I was always in possession of my card and had not authorized anyone else to use it. I was told they would open an investigation. Even after canceling my card, I noticed charges from XXXX. I called Citibank again and was told that I had to call XXXX to remove the card from their app, which I did. Those charges have since been credited. 
I received a letter dated XX/XX/XXXX stating that the investigation and dispute were closed. I called back to reopen the dispute. I then received an email from Citibank dated XX/XX/XXXX that they had heard back from a merchant asking me to confirm whether or not a transaction was authorized. It was a food and beverage charge in the amount of {$25.00} XXXX at the XXXX XXXX XXXX XXXX. I responded via email on XXXX XXXX. The receipt provided shows that it was charged to room XXXX with arrival date of XX/XX/XXXX through XX/XX/XXXX. The signature is clearly not mine. This charge was credited. I was also credited {$85.00} on XX/XX/XXXX, which I am guessing is the charge for that XXXX night. Then, he must have checked in again on XX/XX/XXXX through XX/XX/XXXX and there is a charge of {$390.00} which was not credited. On this same email, I included an Incident from the XXXX Police Department regarding a deceased person found at the XXXX XXXX XXXX. The case was still being investigated so they couldnt provide any further information at that time. I didnt hear anything further, so I sent an email to the attention of XXXX XXXX XXXX XXXX XXXX and XXXX. I included the above information/attachments as well as the incident number ( XXXX ) for the police report I filed with the XXXX XXXXXXXX Police Department . I received a phone call on XX/XX/XXXX from the XXXX office at Citibank ( phone number ( XXXX ). They were going to send the dispute back to the investigative team. On XX/XX/XXXX, I received a phone call from the same number stating that there wasnt anything further they could do for me. I asked to speak to the investigative team and was told that was not possible. To date, they have credited {$1400.00} but there are still outstanding charges of {$4800.00} plus interest and fees
Consumer complaint received 2024-05-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (TX)

I am writing to formally lodge a complaint concerning the mortgage on my property located at XXXX XXXX XXXX, XXXX, TX XXXX. This complaint is directed against XXXX XXXX XXXX XXXX XXXX, XXXX, and LoanCare regarding the ownership and servicing of my mortgage. 

In XXXX, XXXX XXXX XXXX XXXX XXXX notified me that my mortgage debt on the VA Loan for the aforementioned property was transferred to XXXX. However, to date, XXXX has not affirmed that they own this mortgage. 

According to public records, since XXXX, LoanCare has been the mortgage servicer for XXXX residential loans. Despite this, I have never received any notification or communication from LoanCare regarding this mortgage. See attached documents. 

I am requesting a response from LoanCare to confirm if XXXX actually owns my mortgage. If so, I require specific details including the date XXXX purchased the debt and an explanation for why this transaction is not recorded on my title deed. 

Additionally, I am requesting all documents supporting XXXX claim of debt ownership, including a certified copy of the promissory note for XXXX XXXX XXXX, XXXX, TX XXXX. 

This matter potentially involves misconduct, intentional false statements, racketeering, and other criminal acts. I urge the CFPB to investigate this issue thoroughly and ensure that my rights as a borrower are protected.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (NJ)

For the second time in 2 months, Square has opened a fraudulent account in my name without my permission. Today I received a Square Business Debit card in my name at my home address that I did not request or apply for. The same thing happened last month. And it happened a 3rd time to my husband as well.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (SC)

On XX/XX/XXXX I opened a HYSA with Marcus by Goldman Sacs. I funded the account by connecting my XXXX XXXX HYSA with Marcus. Marcus accepted an incoming {$17000.00} ( the balance of my entire savings account ) and credited it. On XX/XX/XXXX I connected my XXXX XXXX XXXX XXXX account to my Marcus account. I then processed a {$4000.00} transfer ( withdrawal from Marcus ). It claimed it would take two - three days. On Thursday the XXXX I received three calls, back-to-back, while on a XXXX  call. I called them back as soon as my meeting finished and it was Marcus. The person I spoke to said she needed to verify me but because my cell phone number showed ported ( I have had my number and XXXX account for over 20 years ) that she could not verify me that way, she would need my license number. I gave her that and she said that also would not work so she had no way to verify me and would connect me to someone else. That person asked if I have a second cell phone and like any other person said no. She said she also could not verify me and a special department would call me back. I have called in again to only be told again they can not help me. I contacted XXXX XXXX XXXX XXXX  on Friday the XXXX and asked if they show any incoming funds ( at this time the Marcus account showed a deduction of {$4000.00} ). They said nothing was incoming. Today is XX/XX/XXXX and thinking maybe the issue was somehow XXXX XXXX XXXX XXXXXXXX, I connected my XXXX account. I have also had my XXXX account for over 25 years. I attempted to do a smaller

, {$2000.00} withdrawal and the system gave me an error and said call customer service. Who, can not verify I am me, even though they gladly accepted my {$17000.00} life savings! Currently Marcus is withholding my {$17000.00} and I can not access it or talk to anyone. I told the customer service person that was unacceptable and I would like to talk to a supervisor and she said " a supervisor can not help you, only someone from that department can help you and that may take a few days to call you, is this an emergency? '' I said " yes '' and she said " I will note that ''. That was Thursday. Today is Monday. As of this morning the full {$17000.00} balance again shows in my Marcus account. Please help me! They have my money and I can not talk to anyone!
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CA)

Hello I've been waiting for my economic Impact payment for two years now. XX/XX/2022 i contacted Consumer Financial Protection Bureau to resolce this issue with my deposit being returned to the originater. I still haven't received my federal tax return and im experiencing a hardship with financially stability. The amount of my failed deposit is XXXX i believe it's because the address associated with the tax return i filed was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX My current and updated address i currently live is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (WA)

I have excellent credit - I decided to get a Citi cards travel card for the admiral 's club benefit. The annual fee for this club is XXXX. They decided to close my account after 45 days due to having an investment into a XXXX company in WA state... .which is 100 % legal. They did not disclaim that I could not be invested in a XXXX company before approving my credit card application. They said I would no longer have my benefit to the lounges and would not refund me the {$590.00} charge. I paid off my balance other then the {$590.00} charge which I refuse to pay since I did not receive the benefits.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/2024 I was sent a text and emails saying to call Chase Bank because my accounts were at risk of closing. I called and was told my account is restricted and they made the decision to close my account ( with all my money in it ). They took the money. I had a direct deposit go in to my account ending in XXXX. And they are holding the direct deposit. I am a single mother with that being my only income to support my child. I need these funds released to me immediately. I tried going down to a branch. Tried calling multiple times. No one will help me.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (VA)

These collection agencies have affected my credit score with XXXX, XXXX and XXXX negatively adversely. Midland Credit Management, and XXXX XXXX XXXX. They are causing me economic hardship. In accordance with the Fair Reporting Credit Act, my rights been violated... 15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information. 15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report. 15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Consumer complaint received 2024-05-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (IL)

On XX/XX/2024 IQ data responded to a complaint about an unauthorized account on my credit report. I requested the company 's license and bond to operate in the state of Illinois. They refused to provide it and suggested I search them on the Illinois data base. I searched and they are not registered. I researched on the national database. They are licensed in 15 states. Illinois is not one of them. 
In addition, I am writing to request documentation pertaining to the alleged debt associated with the alleged account. Specifically, I request a copy of the contract between your agency and the original creditor related to the collection of this debt, as well as the original creditor 's 1099-C form for the alleged debt. 
Furthermore, I would like clarification on whether your company followed the requirements outlined below prior to reporting the alleged debt : 1. Did your company speak with me, XXXX, in person regarding this debt? 
2. Did your company speak with me, XXXX, by telephone regarding this debt? 
3. Was a letter mailed to me, XXXX, and was a reasonable amount of time,30 days given for a notice that the letter wasn't delivered? 
5. Was an electronic communication sent to me, XXXX, and was a reasonable amount of time ( 30 days ) given for a notice that the message wasn't delivered? 
6. Additionally, please provide information regarding who authorized the pulling of my credit report in relation to this alleged debt. Furthermore, I would like to inquire about if the alleged account is currently eligible to join in any lawsuits or class action lawsuits against the original creditor. If so how does that effect your company 's attempt to collect the alleged debt. Your prompt attention to this matter would be greatly appreciated
Consumer complaint received 2024-05-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: NCB Management Services Inc. (VA)

I have not received any valid proof where I owed NCB MANAGEMENT SERVICES INC .

All I received was a garnishment letter from a company that says I owe them. Where they are garnishing wages. I would like to receive Validation letter on NCB MANAGEMENT SERVICES letterhead saying I owe them a debt for what reason, when I defaulted with NCB MANAGEMENT SERVICES INC. And where is the documentation I signed to that I agree to the amount saying I owe NCB MANAGEMENT SERVICES INC .
Consumer complaint received 2024-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (AL)

Never received a notice to dispute the validity of the alleged debt Franklin Services has placed on my credit report! Under the FCRA law, it is mandatory to receive a letter to dispute the validity of a debt. Franklin services has no actual proof that this debt belongs to me and I never received a bill in this matter to even confirm that this medical debt is mine. The tradeline is reported to my credit profile illegally and I am requesting that it be removed.
Consumer complaint received 2024-05-20
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: REGIONS FINANCIAL CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, Missouri Laws Dear REGIONS BANK, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft fraud laws, specifically under Missouri Revised Statutes Chapter 570, Section 570.223. 

It has unequivocally come to my attention that REGIONS BANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223, emphasizes the severity of unauthorized access and misuse of personal information, underscoring the importance of protecting consumers from identity theft. 

I assert with unwavering certainty that I have not provided consent for REGIONS BANK to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that REGIONS BANK immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws under Missouri Revised Statutes Chapter 570, Section 570.223.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that REGIONS BANK will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have received a copy of my consumer reports, and I noticed XXXX is reporting transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a ( 2 ) ( A ) ( i ). I was not late because I never received a statement in the mail per 15 USC 1666B with the information required in it per 15 USC 1637B. I was not late on this account, and I want the late payment removed immediately.
Consumer complaint received 2023-05-02
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. (SC)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-05-20
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. (NY)

Early XX/XX/2024 Someone from Macy 's called me to inform me they notice some suspicious activities in my account when asked more details I noticed there's a lot purchases I never made nor authorized, I disputed those charges the same day She had told me Macy 's will investigate the matter after more than a month they send me a letter explaining to me because these transactions were made with my card even it wasn't me I'm responsible for those charges. The worst part about this matter they went above my credit limit, Macy 's let that slide I never have {$12000.00} credit limit with Macy 's, they let them buy {$9000.00} marchandises
Consumer complaint received 2024-05-20
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (MD)

The online account assess system will no longer accept login names that contain special characters. My login I've used for many years has a character in it. For 6 weeks I have been calling to get the issue resolved. They keep saying that others are having the issue and IT is working on it. I asked that they request to have my login information deleted so I can create a new one since doing so now prompts the system to state that there is already login information on file for the account. I need to get online so I can access XXXX. The payee I have does not accept debit card payments. 

All of the calls I have made has never prompted anyone from US Bank to call or email me. I just keep calling back, to no avail. 

Thank you.
Consumer complaint received 2023-11-17
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-05-20
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: Bread Financial Holdings, Inc. (LA)

Comenity BankXXXX XXXX XXXX  closed my account ( opened XX/XX/XXXX ; closed XX/XX/XXXX ) without any notice or ability for me to take action that would avoid the closure. I believe this is an example of unfair and deceptive business practices. My account was in good standing and open since XXXX. Comenity BankXXXX claimed that the account was closed due to inactivity. There is nothing in the card member agreement that addresses this topic, nor has Comenity Bank/XXXX XXXX XXXX disclosed their policies regarding card inactivity. I have asked them to make changes but nothing has been done. Because of the account closure and negative reporting, my credit score has been affected and it has caused me great stress. I would like this account to return to reporting a positive status or be removed from my report.
Consumer complaint received 2024-05-20
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (NY)

I am filing this complaint against Lockhart Morris & Montgomery for violating the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulation, 12 CFR Part 1006.

Specific Violations : 12 CFR 1006.34 ( b ) ( 5 ) : I dispute the validity of this debt. XXXX XXXX has failed to provide a proper validation notice as required by this regulation. The notice I received lacked the following information : : A statement that the debt will be reported to credit reporting agencies unless I dispute within 30 days. ( 12 CFR 1006.34 ( b ) ( 5 ) ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The validation notice did not contain the clear and conspicuous disclosure about my right to dispute the debt within 30 days and how to do so. ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) 12 CFR 1006.34 ( d ) : XXXX XXXX has continued to contact me after I disputed the debt and requested verification. ( 12 CFR 1006.34 ( d ) ) 15 USC 1681s-2 ( 7 ) ( A ) : XXXX XXXX communications have been harassing and misleading. [ Excessive calls, contacting me at inconvenient times, threats of legal action without justification ]. ( 15 USC 1681s-2 ( 7 ) ( A ) ) I Request for Relief : I request that the CFPB investigate Lockhart Morris & Montgomery 's practices and take appropriate action, including : Ordering XXXX XXXX to cease all communication with me regarding this debt. 

Ordering XXXX XXXX to correct any inaccurate information about the debt that has been reported to credit bureaus. 

Ordering XXXX XXXX to pay any damages caused by their violations.