davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (KS)

I deposited a check on XX/XX/XXXX. My accounts were frozen on XX/XX/XXXX. I was not notified. On XX/XX/XXXX I was told the check is under review. I provided them with the check issuer information even though it's on the check. They will not verify the validity of the check. It's a perfectly good check. They are asking invasive questions like what is the check for which in none of their business. And I do not have access to my money for a full week. I can't pay bills, buy food, put gas in my car or take my child to the doctor because of this. This has to be illegal. This happens every single time I deposit a check. So it's discrimination at this point. This is not random. They referred my account for closure because they could not verify the check. However, the check had the business name, the business address, and the business telephone telephone number on it. They were able to verify the validity of the check as soon as I called however, they're saying that they couldn't verify it prior to which is why they took away my access and referred my account for closure. Now my debit card does not work anymore and they have to send me a new one. I won't have online access to my money for at least XXXX to XXXX hours. That means all the money that I have is not there. I have no clue where the money is how much money there is or what they're doing with my money. It seems like this is very unethical and possibly illegal.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

LexisNexis has placed a inaccurate and unverifiable bankruptcy on my credit report. I have proof from the courts stating that they don't give LexisNexis any information on a bankruptcy ever. If this bankruptcy is not removed from thier data base this will soon turn into a legal matter.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

Chase let a large amount of XXXX from XXXX be charged to my accounts and are refusing to refund my money as they claim my pin was used to allow the purchase. I was undergoing a brief XXXX  event that day and went straight home, and was home for my days after as I was incredibly sick, My primary doctor even prescribed meds for XXXX that day as I was XXXX. I have been in contact with them for over a month now and nothing as changed. They kept asking for more and more proof, which I gave them, and finally they just flat out said no because my pin was used or something.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (AZ)

I am writing to file a formal complaint regarding an unauthorized charge that occurred on XX/XX/2024, involving my Credit Karma Money checking account. On this date, an unauthorized charge of {$400.00} was debited from my account by XXXX. Upon contacting XXXX, they confirmed that the transaction did not originate from my personal account and suggested that my debit card may have been compromised and linked to another individual 's XXXX account for fraudulent purposes. 

Following XXXX 's acknowledgment of the unauthorized transaction, I immediately reached out to Credit Karma Money to dispute the charge. Despite providing detailed documentation and evidence to support the fraudulent nature of the transaction, including communication with XXXX confirming the unauthorized activity, my dispute was denied. 

I appealed the decision twice, investing significant time and effort into collecting and presenting additional evidence. However, both appeals were denied without proper consideration or review of the provided documentation. Notably, the final denial was issued less than XXXX minutes after submitting my appeal, indicating a lack of thorough examination. 

As a longtime user and customer of Credit Karma Money, I am deeply disappointed by their handling of this matter. Their failure to adequately investigate and address the unauthorized charge has left me financially vulnerable and feeling disregarded as a customer. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and intervene to ensure that Credit Karma Money upholds its responsibility to protect consumers from fraudulent activity and provides fair and transparent dispute resolution processes.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

In accordance with the fair credit reporting act this creditor has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX it also states that consumer reporting agency can not furnish an account without my written instructions. Under XXXX XXXX XXXX XXXX a XXXX XXXX not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

They put the account on my credit and XXXX when I disputed it through XXXX they put XXXX as collections but they didnt put it on my credit till XXXX so Inaccuracy of dates and they have provided any proof.
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (AZ)

On XX/XX/24 at approximately XXXX, I noticed unusual activity on my Robinhood XX/XX/XXXX. I got a notification that approximately {$8000.00} of my cryptocurrency in my brokerage account was sold, then saw another unauthorized sale. I was immediately alarmed as this wasn't executed by me. I went onto the app and changed my password immediately. As I was doing this I got another notification that a new bank account was linked to my account. I then contacted support via chat on the app and said " I think I got hacked. Someone made XXXX unauthorized purchases/buys and then tried to link their bank account to take the money out. Please help. '' Immediately after, I lost access to my account as I believe they changed my password and/or email associated with my account. I then had no way of immediately reaching someone as you can only get ahold of them through the app or email. I sent emails with the subject line " emergency my account has been hacked '' right away. My account was restricted at XXXX ( XXXX hours later ) and I didn't get a response from someone until approximately XXXX. I had also filed a local police report with the city of XXXX and a complaint with XXXX. During the XXXX hours my account was still active they were able to sell and withdraw all the crypto that I had in my account, totaling around {$10000.00}. Communication with Robinhood was infrequent and provided little support. I was able to regain access to my account days later, but on XX/XX/24 they informed me that they denied my case and will not be reimbursing me. They refused to tell me why they denied it. I filed an appeal on XX/XX/24. Robinhood claims to have a security guarantee saying that " they are committed to fully reimbursing direct losses caused by unauthorized activity that isn't your fault. A reimbursement can include cash, assets held through RobinhoodXX/XX/XXXX and crypto held through Robinhood XXXX. ''
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NY)

Pursuant to the Fair Credit Reporting Act ( FCRA ), I revoke all Authorization, I may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per 15 USC 6802. I also opt out pursuant to 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974 and 16CFR313.7f which clearly states f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
Under 16CFR313.7g1 - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 

1 ) ALL HARD & SOFT INQUIRIES -must be removed as they are NOT open accounts per 15 USC 6801, I also invoke the PRIVACY ACT OF XXXX & 15 USC 1681 ( b ) - Permissible purposes. 
I also opt out of reporting all soft/ hard inquiries under 16CFR313.7f and further exercise my right to deletion. 

2 ) TRANSFERRED LOANS/SOLD DEBT/ CHARGE OFFS Per the IRS Any charge-off is a Certificate of Indebtedness and therefore considered income and income can not be reported. See Pg3, IRS pub- p4681 - XXXX : XXXX. 

XXXX ) Pursuant to 15 USC 6801-It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. 
ALL TRANSACTION HISTORY AND ANY INQUIRIES MUST BE DELTED FROM THE REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY/ NON-PUBLIC INFORMATION. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED/PAYMENT CURRENT AND ALL HARD/SOFT INQUIRIES MUST BE REMOVED. 
XXXX ) ALL OUTDATED AND INACCURATE INFORMATION AS DISPUTED IN REPORT WITH REF # XXXX. 

XXXX ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted. INDIVIDUL NAME SHOULD BE FULLY IDENTIFIED BY ONLY ONE NAME XXXX XXXX XXXX ( First, Middle, & Last ) AND ONE MAILABLE ADDRESS ONLY CAN BE ON FILE.
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. (PA)

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. Act Name : XXXX XXXX XXXX, XXXX Name : XXXX XXXX XXXX, XXXX Name : Fair Collections Act Name : XXXX XXXX XXXX, XXXX Name XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX
Consumer complaint received 2023-09-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Reel Time Capital LLC (TX)

Im filing a complaint about the voicemail and calls Ive been receiving and a close relative of mines received. In regards to a debt I overlooked months ago. I havent received and follow up collection effort from the company XXXX XXXX sold my loan to. Reel time Llc. The calls are threatening and misleading a company name wasnt even left on my voicemail but you threaten action.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP (CA)

On XX/XX/year> a call was made to my cellphone that was from XXXX, AL, ( XXXX ) XXXX, and from a name I didnt recognize. The name was written CAWLEYBERGMANN in all upper case. I, like most people are bombarded with Robocalls, so if its some business or person with which Im not familiar, I let it ring. The caller is then given the opportunity to leave a message, or simply hangs-up. No message was left, and I ignored it. On XX/XX/year> a second call identified as being from CAWLEYBERGMANN, this time from XXXX XXXX, MO, ( XXXX ) XXXX, was made to my cellphone. Again, no message was left. On XX/XX/year>, a third call from CAWLEYBERGMANN was made to my cellphone, this time from XXXX, CA, ( XXXX ) XXXX. Again, no message was left. I decided to see who CAWLEYBERGMANN was. I was surprised to find out that Cawley and Bergmann is the name of a debt collection company, headquartered in XXXX, New Jersey. From what I read online, its a company that isnt always the most ethical in its business practices. 
Last XXXX, I was notified by the company that holds my mortgage that a security breach had occurred and that my name, address, email and social security number had been accessed. So, it naturally occurred to me that I might be the victim of Identity Theft. My mortgage company offered free credit monitoring for a year, and a service called My True Identity that reports any unusual or suspect activity in my name. 
I always pay my bills fully and in a timely way. I never make late payments. I have never been contacted by a person or business, either by phone, email or mail, saying that any payment was past due. I went to the CAWLEYBERGMANN website and emailed them explaining my concern. I never heard back from them. A couple days after emailing them, I decided to call them. Per their website instructions I called XXXX of their numbers that would supposedly connect me to someone who could help me clarify exactly why they were calling me. Each time I called, after about XXXX or XXXX minutes of being told that someone would be with me shortly, a recorded message was played that instructed me to leave a short, detailed message regarding why I was calling. I have never heard back from anyone ; either through regular mail, email or by phone. 
Yesterday, XX/XX/year>, I received the fourth call on my cellphone from CAWLEYBERGMANN, this time from Oklahoma XXXX, OK, ( XXXX ) XXXX. Again, no message was left. 
I dont know what to make of it. I always pay my bills in full and on time. Ive never been notified by any person or business that I have any delinquent debt, and though its possible that Im a victim of Identity Theft, I have no real indication that thats the case.
Consumer complaint received 2023-04-27
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. (SC)

There is a hard inquiry on my report from XXXX XXXX where it looks like someone attempted to obtain a credit card in my name. This action dropped my credit score XXXX points, I did not authorize this inquiry because I do not wish to ever obtain a credit card.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

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 XXXX A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC (NJ)

I am a XXXX yr old XXXX XXXX a company called Spring Oaks Capital LLC. Has been harassing me with unsolicited phone calls throughout my day on a daily basis. They showed up on my credit report negatively impacting my credit and my life. This started on XX/XX/2024 that I could remember. I do not recognize this company at all, and I do not recall doing any such business with them. They claimed I owe them {$3000.00}. I reached out to them for more information and met with no successful respond from them. Please assist me with this urgent matter. Thank you
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DIGITAL FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX, I initiated a wire transfer from my account with Digital Federal Credit Union ( XXXX ) to my daughter 's IRA account before the XXXX XXXX XXXX deadline for same-day processing. The time of the transaction was XXXX XXXX XXXX. Despite multiple verbal confirmations from XXXX that the transfer would be processed the same day, it was not completed until XX/XX/XXXX. This delay caused the IRA contribution to miss the tax deadline, rendering the contribution ineligible for tax year XXXX benefits. 

Despite numerous calls to XXXX requesting a written statement explaining the delay was due to their error, all attempts were dismissed. XXXX only provided a log of the date and time without acknowledging their fault in writing. We needed a formal acknowledgment that the delay was XXXX 's responsibility to assist with an IRA administrator 's exception request but did not receive it.
Consumer complaint received 2024-05-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I called to get the following information below but the representative I spoke with was unable to give me the information I asked for. I am contacting you again for the following information below. 

When was the account opened? 
When was the account closed? 
When was the account sold? 
What date was the account charged-off? 
What was the date of first delinquency? 
When was the last payment? 
What is the balance?
Consumer complaint received 2024-05-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

THE COLLECTION COMPANY PORTFOLIO RECOVERY ASSOCIATES AGENCY HAS ENGAGED IN FALSE AND MISLEADING PRACTICES VIOLATING FDCPA 807 AND ALSO PER MY CREDIT REPORT THEY HAVE REMOVED THE CREDIT INQUIRES FROM PORTFOLIO RECOVERY BUT NOT THE COLLECTION DEBT ITSELF THIS COMPANY IS REPORTING FRUDULENT AND INACCURATE INFORMATION ON MY XXXX REPORT. PLEASE SEE ATTACHED DOCUMENTS
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have been disputing these items thats on my credit profile for the last year. Some how my father accounts are reporting to my profile. Hes XXXX XXXX XXXX and im XXXX XXXX the XXXX. The accounts listed below do not belong to me. 

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
Consumer complaint received 2024-05-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (AZ)

I recently discovered an unauthorized debt collection on my credit report from IQ DATA INTERNATIONAL INC. Upon receiving notification of the debt, I immediately disputed its validity by sending a formal dispute letter to IQ DATA INTERNATIONAL INC on XX/XX/year>. In the dispute letter, I clearly stated that I did not authorize the debt and provided evidence supporting my claim, including documentation of identity theft and residency at a different address during the period the alleged debt was incurred. 

Despite my efforts to dispute the debt and provide evidence of identity theft, IQ DATA INTERNATIONAL INC proceeded to place the collection on my credit report, which has negatively impacted my XXXX XXXX. This action occurred even after I invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demanded that all collection activities related to the debt cease immediately. 

I believe that IQ DATA INTERNATIONAL INC has violated my rights under the FDCPA by continuing to pursue collection activities without providing adequate proof of the debt 's validity and authenticity, and despite my efforts to dispute the debt and provide evidence of identity theft. This has caused me undue stress and financial harm. 

I request that the CFPB investigate this matter and take appropriate action to ensure that IQ DATA INTERNATIONAL INC complies with the law and rectifies the inaccurate reporting on my credit file. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have