davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: ENOVA INTERNATIONAL, INC. (TX)

I keep getting emails, almost on a weekly basis, from cashnetusa to an email address I no longer provide to anyone claiming I applied for a loan and was declined.

I have not applied for any loan and I tell them I have not applied and have even submitted a police report to my local police for ID theft.

They reply saying they can not find my application but I am replying to an email they sent.

They claim they have blocked my email address yet I still keep getting these fraudulent application results.

none of the applications are showing up on my credit report and the names they are using for me are not my name but offensive terms.

Clearly there service is being used to harass me by someone who has been stalking me for years.

All of their continued emails despite me telling them to stop is also a can spam violation.

the email address they are sending this to is XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I hope this letter finds you well. I am writing to seek your urgent assistance in overturning a denied claim that I recently filed with Wells Fargo. As a consumer, I believe in the importance of accountability and fair treatment, and I am reaching out to you for guidance and intervention in this matter of utmost importance. 

Allow me to provide some background information on the situation. On XXXX, I filed a claim with Wells Fargo regarding fraudulent charges. I carefully followed all necessary procedures, submitted the required documentation, and provided a detailed account of the circumstances surrounding my claim. However, despite my sincere belief in the validity of my claim, I received notice from Wells Fargo on XXXX XXXX stating that my claim has been denied. 

This denial has left me feeling frustrated and helpless, as it directly impacts my financial well-being and undermines my trust in the consumer protection measures set in place. Recognizing the importance of accountability and justice, I am turning to the Consumer Financial Protection Bureau ( CFPB ) for assistance and guidance in overturning this denied claim. 

I firmly believe that the CFPB has the expertise and authority to objectively assess the matter and ensure that justice prevails. I kindly request your intervention to thoroughly review my claim, examine the evidence provided, and assess the actions and decision made by Wells Fargo. In doing so, I am optimistic that the CFPB can help overturn the denial, providing me with the rightful resolution I deserve. 

Enclosed with this letter, you will find all relevant documents supporting my claim, including correspondence, receipts, and any other pertinent information. I trust that these materials will assist in your review and evaluation of my case. 

Moreover, I kindly request regular updates on the progress of my case and any actions taken by the CFPB in response to my request. Please feel free to reach out to me at XXXX or XXXX if additional information or clarification is required. 

I am immensely grateful for your attention to this matter and your ongoing commitment to protecting consumers ' rights. I firmly believe in the mission of the CFPB and trust that, with your intervention, justice will ultimately be served. I eagerly await your response and the resolution of my claim. 

Thank you for your time and consideration.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (PA)

Opened a business account with Truist ( XXXX, PA branch ); received a wire transfer of approximately {$110000.00} into business account; had to wire transfer {$70000.00} grand to a cryptocurrency account since seller deals in XXXX; didn't transfer enough to cover medical equipment so made another appointment for XX/XX/23 to wire the rest ; bank called to tell me my account was locked based on suspicious activity ; bank didn't tell me what I needed to provide to unfreeze the account ; XXXX and XXXX are the XXXX employees involved in the erroneous freezing of my accounts ; neither of them have told me what to submit to ease " their '' suspicions. XXXX made a comment about my only using {$100.00} to open business account ; I explained all of that during the business account opening ; truly concerned that a bank can freeze my assets based on personal suspicions ; PLEASE HELP
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NJ)

I was contacted in XX/XX/XXXX about a debt owed from XXXX for XXXX from IC Systems. They did not verify the debt with me but told me the amount that I owed. When I spoke with them I told them that I was disputing the debt and that I owed nothing. Then there was a report on my credit report from them that has been for the past year. They have not furnished me with any ledgers or bills from XXXX and have been reporting for the past year. They are in violation of FDCPA 15 USC 1692 et seq., which requires that a debt collection agency use fair practices such as furnishing the correct information to a debtor if, in fact, they do owe the debt. XXXX can not furnish any documents of a past due bill either. I contacted them in XX/XX/XXXX and they could not furnish a ledger either. This has created a loss only credit reporting and there is not any accuracy of debt owed.
Consumer complaint received 2023-09-28
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Results Unlimited, Inc. (IN)

On XX/XX/2023, I noticed two unauthorized transactions were taken from my bank account for {$120.00} and {$410.00}. I found out that the bank stated it said legal order Debit case on the history and to contact XXXX XXXX XXXX, ( XXXX ) XXXX in XXXX XXXX, Va XXXX Instead of speaking to XXXX XXXX the number goes to a collection agency in XXXX, Va. where I no longer live and where there the debt was originated. The company did not notify me about the debt before they took the debt amount out of my bank account. my bank is still holding the funds and the company is stating that I need to sign a release form for them to receive the funds but I want to make payment arrangements and they seem to be making it difficult for me to do so. The original debt is {$250.00} but I'm being charged 6 % interest, Attorney fees : {$63.00}, and court cost : {$78.00}. Not right! All of these fees were taken out of my account.
Consumer complaint received 2023-09-07
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. (NY)

I am writing to dispute certain information on my credit report that I believe to be the result of identity theft. I want to clarify that this letter and the accompanying supporting documents are genuinely from me, and I affirm the authenticity of the documents enclosed. I am aware of the seriousness of the matter and the importance of providing accurate information when disputing items on my credit report. Therefore, I want to confirm my identity and the legitimacy of the documents I am submitting for your review. I request that you promptly investigate these accounts and take the necessary steps to rectify the inaccuracies on my credit report. I also kindly ask that you provide me with updates on the progress of your investigation as required by law. XXXX XXXX XXXX  XXXX. Please delete this account immediately.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (LA)

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. I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from SECURITY FINANCE on my XXXX ACC Name/numberXXXX XXXXXXXX XXXX # XXXX on all 3 credit reports XXXX XXXX # XXXX # XXXX # XXXX on XXXX and XXXX report XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 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 has reasonable cause to believe that the information is accurate.
Consumer complaint received 2023-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IN)

My mortgage was transferred to Newrez on XXXX. I was setup on bi-monthly payments with the old mortgage. I switched to monthly payments with Newrez. However, I get two emails every month saying that they are going to withdraw my bi-monthly payment even though it was cancelled. I have called Newrez on XX/XX/XXXX, XX/XX/XXXX, and XXXX to get this resolved. Everyone has promised to get it resolved, but I am still getting these emails and I have to keep calling. Newrez says that I am not on the bi-weekly payment schedule, but during my phone calls with them, I will get a confirmation email saying that the bi-weekly payments have been cancelled. I believe that they are trying to double-bill me for my mortgage despite their reassurances that they are not. I want the double-billing and the emails to stop. But they won't stop them.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (LA)

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. 

I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from XXXX XXXX on my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit reports XXXX XXXX # XXXX # XXXX # XXXX on XXXX and XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-12-08
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: JPMORGAN CHASE & CO. (CO)

Got scammed by a business in XXXX XXXX pretending to be the USPS selling discontinued Forever stamps at a discount. I DID and initial transaction for {$71.00} on XX/XX/XXXX for stamps. The quantity was not clear, but thought it was for XXXX stamps. No confirmation email was received. 
Stamps came about 10 days later. Checked my XXXX  statement and there was a second charge for {$340.00} for the same day. 
Name on company on internet : foreverusps Name of company on printed statement : foreverusps XXXX Realized I'd been charged way more than the going rate for legit USPS forever stamps. 
Reported to USPS. Directed via their email response to return said stamps to my local post office, which I did on XX/XX/XXXX. 
Reported dispute with XXXX  company ( Amazon XXXX XXXX ). There was not a category that exactly fit the description of what happened so reported that I was dissatisfied with the product. 
The {$71.00} transaction dispute has been declined and closed by XXXX XXXX, because I received goods and did not have them to return to the seller. 
The {$340.00} charge is still open, but I suspect they'll not honor my dispute on that one either. 
I have not contacted the seller because I can not find this organization on the internet, nor listed at the address from which the " product '' was purportedly sent.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (FL)

I closed my aspire credit card back in XX/XX/2023! The account has been reporting OPEN for the last 4 months on my XXXX credit report and is continuing to damaged my credit! The card is closed. I dont have it in my possession and its not able to be used! I have contacted both aspire customer service and XXXX 10 times in the last 4 months and I keep getting pushed off and empty promises that they have sent the information that it is closed to XXXX. Yet, when I dispute with XXXX and upload the documents showing its closed XXXX is saying that aspire says its open. So I am constantly being run around in circles! Nobody wants to help me! There is no issues with any of the other credit bureaus its just XXXX. This account needs to be reported closed on XXXX immediately!
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am unable to obtain a accurate score or to have the information updated. with XXXX XXXX or Transunion they are violating several U.S.C. codes as well as Metro 2 compliance and the FDCPA. I have made multiple attempts as well as phone calls with no resolution or resolve in these matters. I will not tolerate the level of unfairness in regards to these multiple violations this results in damages that I will seek to recover through litigation.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc (LA)

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 XXXX XXXX XXXX. I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from XXXX XXXX on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
15 U.S.C. 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 has reasonable cause to believe that the information is accurate.
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (OH)

I am currently facing an issue wherein Chase Bank has placed a hold on my funds for a duration exceeding three months. Their stated reason is the need to verify the funds deposited through a check into my account. However, they are encountering difficulty in verifying the check due to their inability to establish contact with the deposit makers.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

Subject : Urgent Appeal : Request for PayPal Account Restoration Dear PayPal Support Team, I hope this message finds you well. I am writing to you with an urgent appeal to restore access to my PayPal account. I recently discovered that my account has been restricted due to what I assume is suspicious activity, and I am deeply concerned about the inconvenience this has caused.

I understand the importance of account security, and I appreciate the measures in place to protect users. However, I believe that there might be a misunderstanding or an error in my case. I rely on my PayPal account for various transactions and financial activities, and the current restriction is causing significant disruption to my routine.

I am committed to cooperating fully in any verification process necessary to confirm my identity and ensure the security of my account. Please guide me through the required steps to restore access at the earliest convenience. I value the services PayPal provides, and I am eager to continue using the platform responsibly. 

I kindly request your prompt assistance in resolving this matter and appreciate your understanding of the urgency involved. If there are any specific documents or information required, please let me know, and I will provide them promptly.

Thank you for your attention to this appeal. I look forward to a swift resolution and the restoration of my PayPal account. 

Sincerely,
Consumer complaint received 2023-11-10
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

I applied for a Rooms to Go credit card. Was approved for 0 % interest for 24 months. When I looked at the breakdown of my payments because the balance was not reduced by payment amounts. It turns out they have been applying a big portion of my payment to some payment card security. My 1st payment I paid {$150.00} and {$54.00} of my payment was applied to payment card security. Apparently its a percentage of my balance because every month its a few dollars less being applied to this security card. When I called they offered to cancel but, said they couldnt retro to date of inception because I supposedly checked it off when I applied on line in XX/XX/2023. Which is not the case but, if I did it was unknowingly and must have been hidden in the fine print is my guess. This is not something I would have purchased as this would defeat the purpose of me taking advantage of the 24 months interest free promotion.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Dear CFPB, I am a XXXX XXXX  in the state of Florida And I am currently the victim of a scam and fraud committed by synchrony bank care credit. I have asked this company for 10 months to send me paper statements and they have never complied. When they finally sent one statement for XX/XX/2023 I noticed they were automatically charging me a late fee of {$41.00} a month when in fact my payment was never late. They are also in violation of refusing to send me my statement probably knowing I would see the scam. When I call their customer service they said they could only remove XXXX late fees of the XXXX fees they charged me. I am asking for all late fees to be removed and that I begin receiving a paper statement every month. Acct ends XXXX
Consumer complaint received 2023-12-18
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most non affiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.