davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MS)

I am writing to seek your assistance in addressing a concerning issue related to identity theft and erroneous debt reporting by the National Credit System. On XX/XX/year>, my vehicle was unlawfully broken into, resulting in the theft of my purse, which contained sensitive personal information. Subsequently, I became a victim of identity theft, with unauthorized individuals misusing my personal data for fraudulent activities.

Recently, I discovered that the National Credit System has reported that I owe them for XXXX apartment rentals totaling {$4800.00}. However, I have never rented any apartments nor incurred such debt. It has become apparent that these fraudulent accounts have been opened in my name by the perpetrators of the identity theft. 

Despite my repeated attempts to dispute these claims and provide evidence of the identity theft, the National Credit System has failed to rectify the situation, causing undue distress and financial harm. I have diligently followed the prescribed procedures for disputing fraudulent accounts, including submitting identity theft affidavits and supporting documentation, yet the erroneous debts remain on my credit report.

This wrongful reporting by the National Credit System is not only damaging my credit standing but also impeding my ability to secure loans, housing, and employment opportunities. The gravity of this situation can not be overstated, and I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to request your intervention in resolving this matter swiftly and justly.

I have enclosed copies of relevant documents, including police reports, identity theft affidavits, and correspondence with the National Credit System, to support my claim. I am fully committed to cooperating with any investigation or inquiry conducted by the CFPB to bring about a resolution.

Your urgent attention to this matter would be greatly appreciated. Please do not hesitate to contact me if further information is required. 

Thank you for your understanding and assistance in this challenging ordeal.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (IN)

I transferred my account from XXXX to Robinhood by using an ACATS transfer. XXXX charged me a {$75.00} transfer fee. 

This transfer request was submitted to Robinhood on XX/XX/2023. Robinhood clearly states that ACAT transfer fee is reimbursed. On the Robinhood transfer " Terms and Conditions '', I do not see any limitations about reimbursing the transfer fee. Please see the screenshots attached ( 1-3 ). 

The limitation of reimbursing transfer fee was not clearly mention in the transfer request. Had I known of such limitations, I would not have transferred my stocks to Robinhood. 

I talked to numerous Robinhood representative on XX/XX/2023. Until that day, the ACAT transfer has not been completed. The representative I talked to did not mention anything about the ACAT transfer fee reimbursement as well. Please see the screenshots attached ( 7-8 ). 

This seems dishonest disclosure from Robinhood about the ACAT transfer fee. They mention the transfer fee on this link : https : //robinhood.com/us/en/support/articles/transfer-your-assets-in/ However, that link is not public and could not be viewed properly without having a Robinhood Account. Please see the screenshots attached ( 5-6 ).
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (DC)

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 2024-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (NJ)

Dear The Receivable Management Services LLC, I am writing to dispute the validity of the debt referenced in your recent communication dated on XX/XX/year>, which I received via CFPB. It has come to my attention that the initial communication did not comply with the requirements set forth in Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

According to Section 809 ( b ), within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall send the consumer a written notice containing the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

4. A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
5. A statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor. 

I did not receive a written notice that adheres to the requirements mentioned above within the specified timeframe, thereby violating my rights under the FDCPA. This violation is considered a serious matter under the law. The bill is not proof of a debt validation letter and unfortunately that is not my current mailing address. Therefore, that is not a debt validation letter because I never received it. I also have proof that I do not live at that address. I have updated my current address with all three major creditors as well.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (IL)

where and what account # it was refunded, i also would like to clarify that this trasaction was ( PAID using CASH that is why there is no record of purchased, But merchant Did a MANUAL refund on ( XX/XX/XXXX, XXXX ) time XXXX employee 's Name that initiated th refund was ( XXXX on the debit ( XXXX ) ACCt ( XXXX ) Refund Authorization # XXXX additional proof below will be attached i also have the email From BMO bank in XXXX XXXX XXXX XXXX  XXXX XXXX proof that he had work with the back office to check on this matter, and confirmed that there is a refund but it was iniated as pending refunding ( All additional proof below will be attached, kindly pls check, hope you can assist me with this matter, as this bank take 's months to resolved issue, it is only now that i got CFPB involved that they are quick to response.
Consumer complaint received 2024-05-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Onity Group Inc. (FL)

On XX/XX/2024 I submitted the reinstatement amount requested {$6100.00}. The payment was due no later the XXXX noon XX/XX/2024. The payment was wire to the information listed on the reinstatement letter. PHH Mortgage confirmed the payment was received but did not apply it and continued to tell me they didnt know why. After 1 month they said the payment was not applied and on XX/XX/XXXX I was told the payment was returned due to a clerical era on their part. My financial institution never received the funds back and provided an email confirmation from the branch manager stating the funds were never returned. The bank requested confirmation of the wire refund from PHH Mortgage but they never responded. On XX/XX/XXXX they told me the funds were applied but the payment was not enough to bring my account current and they wanted an additional XXXX due to the clerical error they made. I have the original reinstatement letter provided requesting the amount of XXXX which was submitted within the timeframe requested and the XXXX dollars they are now requesting was not included.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (NY)

These companies broke the law and violated XXXX XXXX XXXX ( a ) ( XXXX ) & XXXX XXXX XXXX ( XXXX ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <XXXX  XXXX > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX  XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX ) ( XXXX, CLOSED ACCOUNTS <XXXX  XXXX > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. following the Fair Credit Reporting Act convergent XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (GA)

Tried paying notes on vehicle around XXXX XXXX but website was down and no responses back from company. Car was cutoff from a switch and then I here company went out of business.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (NE)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CA)

We live in XXXX and had a lapse in coverage for approx. XXXX days. I paid the forced place coverage premium and was able to get a new policy with XXXX XXXX XXXX. We have never missed a payment, have perfect credit and owe $ XXXX on a $ XXXX home My servicer has mandated an impound account which I do not want, need and do not appear to be contractually obligated to maintain provided we evidence payment of our taxes and insurance which I have done. 

I would request that they drop the escrow requirement in accord with our loan documents.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (IL)

XX/XX/2023 I received a late payment report with American First Financial my last Payment was XX/XX/2023 as shown on my report. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( AFF ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and the company. 

Furthermore, I am requesting that according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Consumer complaint received 2024-05-15
Product: Prepaid card — Student prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MI)

To : NetSpend Debit card, I submitted for a student Loan back XXXX of XXXX and I was approved for Loan. The same year XXXX of XXXX I was admitted into the hospital till XXXX of XXXX. During that time NetSpend customer service said my account is being closed, Not knowing my student XXXX would arrive to the same account XXXX XXXX XXXX XXXX, I cancelled my Direct Deposit due to my account was closed, and when my student loan came to the same account you'll ( customer service ), began telling me the account is restricted. I said for what, they see you need to prove verification. I submitted a valid Driver 's License, My Student I.d with my picture, XXXX NetSpend debit card with my name, my Insurance card, One piece of mail with my old address XXXX XXXX XXXX XXXX, MI. XXXX I no longer live there since being evicted in XXXX because I was admitted into the hospital and come XXXX you will not give me my funds even after passing your security Questions and submitted, my verification with also XXXX Bank XXXX with my Driver 's License, student ID, NetSpend debit card XXXX pieces of mail. Please, correct this matter and I suffered Great collateral damage medically, financially and mentally. Please correct this Matter.
Consumer complaint received 2023-04-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My wife and I are elderly consumers ( XXXX and XXXX  years of age ) selling our primary property which is currently under contract for sale. Upon receiving notice of the Title Commitment search from the buyers title company, It was discovered that my title had an open Lien for a Home Equity Line of credit which was never used. Said lien was with Suntrust Bank f/k/a BB & T and n/k/a TRUIST XXXX My wife and I Immediately contacted Truist Bank and personally went to the branch on XX/XX/2023, and Spoke to XXXX XXXX XXXXBranch Leader at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX On that date XXXX XXXX assured us that he will request a Lien release with the appropriate Dept to resolve the issue affecting my title. On XX/XX/2023, we visited the branch this time with my realtor and Legal representative to help us and assist us with the pending title issue, and again met with XXXX XXXX who further assured us the bank was processing our request. Every week since my last visit ( on XX/XX/2023 ), I have been following up with XXXX with no valid answers. On XX/XX/2023, my attorneys office Email XXXX XXXX for a follow up with no replies to my attorney. Furthermore, on XX/XX/2023, we called customer service and after being transferred too many times to count, we finally spoke to someone in the Lien Dept XXXX XXXX ) who advised us our request was never made from the date we first visited the branch on XX/XX/2023. The negligence of XXXX XXXX on behalf of this Financial Institution has caused us a great deal of Inconvenience to my wife and I whose health is in a decline status. This issue has debilitated us every day we dont receive a valid response from TRUIST or Its Employees. 

Liability is clear in this matter. Truist Bank must CLOSE OUT the LINE OF CREDIT under Suntrust Bank and issue us a SATISFACTION OF MORTGAGE Immediately as a full month has passed us by to no avail. 

I am disappointed, frustrated, and lied to by Truist, XXXX XXXX and TRUIST employees. 

I demand an Immediate response before I seek legal action. 

Respectfully, XXXX XXXX XXXX XXXX XXXX Truist Client
Consumer complaint received 2024-05-22
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I arrived in the XXXX for a vacation trip and I needed to check my CitiBank account statement online to view how much income I had in my checking account. Prior to arriving, I was able to view my statements online on XX/XX/XXXX via Citibank APP. I received an error saying a new card was to be shipped to my address, however it worried me because I did not request a new card. On XX/XX/XXXX I called my mother in XXXX XXXX to check if the card had arrived at the house and she replied that it did not. As I was low on funds in another country, and I needed to withdraw money at a local ATM- I called Citibank customer service at XXXX. I have had my Citibank Priority account for over 15 years and this has never been an issue. The customer service representative upon checking the status of my account informed me that Citibank has arbritrarily decided to close my account and that no further details were provided. The customer representative then further informed me that it was the back off Security department 's decision to close the account as there was no longer a need for the relationship. She further commented that because the account is close, they will withold and keep my entire savings and checking account. At this point I panicked as I had over {$15000.00} saved in the account and the account was tied with my Direct Deposit for my employer. The day I had called was my salary day and I needed the money to pay for my wifes Hospital bills because she is XXXX. I asked to speak with a manager and the customer service refused, I threatened law suit and that is a recorded line and I am requesting to escalate to a manger. The representative then connected me to a supervisor who further explained that the bank decided to close the account and that nothing can be done at this point for me to withdraw my funds. I have a pregant wife who is XXXX XXXX XXXX  and this is the only source of my funds, I need assistance to get my money back which I have saved and earned to help pay and support for the medical bills. Please assist as I am in panic overseas.