davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (CT)

My personal information was used to open fraudulent accounts. I found out around XX/XX/2019, when trying to apply for school and being denied loans. I received a free copy of my credit report to find that I had been a victim of identity theft. I immediately contacted the companies listed and was required to file a FTC affidavit, a CFPB complaint and a police report from my local department. All of that information was retrieved and submitted to all companies of fraudulent accounts. I disputed these accounts with XXXX, XXXX and XXXX, because the companies denied giving me information on these accounts, for the reasons of the information that I gave did not match what was recorded within their system. These accounts in dispute were removed because I supplied all required documents. The accounts have now been inserted back into my credit report XXXX  years later as a charge off. I am being held accountable for fraudulent accounts. I am resubmitting required documents as well as an updated FTC affidavit, and the original police report that was submitted during the time of removal.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (OH)

I had wrote a check for XXXX for labor through my business account on XX/XX/2020. The check had been cleared on XX/XX/2020. The person to whom I had written the check originally, used the phone app to cash it then threw the check away. On XX/XX/2020 the same check had been cashed again with a forged signature in the endorsement box on back then in writing below signed over to another name with the last name scratched out and what appears to be a social security number beside it. I had filed a police report and signed all paperwork necessary for the chase bank in XXXX Ohio. Everyone agrees its definitely forgery. My problem is they are telling me to wait up to 60 days before I can see the monies returned. This is most certainly the banks problem for allowing a check to be cashed twice not to mention the endorsement was very sketchy and the check was 3 months old.
Consumer complaint received 2021-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (OH)

Notice for Proof of Claim Account : AMSHER COLLECTION SERV # XXXX To Whom it may concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts arenon-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (NV)

My 13th check that was deposited into my account from the same person was all of a suddenly flagged and put on a five day hold and they claim that is was put on hold because there is a lot of fraud from some of its ' members and all of the deposits are put on hold. This is a lie since the previous 12 checks were not placed on hold. Why was this 13th check put on hold and I do not buy the fact that there is wide spread fraud or bad check deposits from some of the members so all of the members are penalized. I think that deposits should be on a case by case basis and should be held for 5 days on the customers that have previous bad check deposits or have a negative balance with the bank. The security a hold on the deposit and there is a reason why that this check or at this point and time that they decided to place a five day hold and I have a right to know the reason. Also taking the deposit from my account gave me a temporary negative balance in my checking account that could have been a tragic out come.
Consumer complaint received 2022-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Simon's Agency, Inc. (NY)

I have a {$75.00} bill from XXXX XXXX from SIMONS AGENCY INC that is from XXXX. I live in XXXX and my parents live upstate where XXXX hospital is. I never received any mail or phone calls for this bill and neither did my parents. I will pay this {$75.00} bill but i would like to get it off the last 14 months of my credit.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I attempted to use my debit card for a charge less than {$30.00} and my card was declined. I have more than enough in my checking account to cover a {$30.00} transaction. I had to call the fraud department. I was on hold for more than 20 minutes. The rep mispronounced my name and asked me several personal questions. He claimed he was protecting my account. He then stated he would make a note on my account that I was traveling. I did not authorize him to make a note on my account. I did not authorize Union Bank to place a freeze on my account.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

XX/XX/XXXX i was scammed out of my direct deposit by being promised I was going to receive a large sum of money in order to get out of debt but it was a lie I had sent them XXXX but now I dont out of money and nothing to pay my rent or bills
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2022, my PayPal Account was Permanently Limited without any reason as I was delivering my digital items on time to my customers. They also canceled or reversed transactions because they thought they were fraudalent in which they were authorized and not fraudalent transactions whatsoever and was curious to find out the reason as to why my account was permanently limited as everything I did was under fair use and justification of the PayPal ToS.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I had submitted a complaint about XXXX XXXX XXXX XXXX about a month ago in regards to them listing a loan that is showing as a charge off on my credit reports. I've had multiple loans with them that have all been paid in full and never late. Approx 6 loans. Those loans were reporting current paid in full. There was 1 that was reporting as bad. ( which is incorrect ) all loans have been paid in full and this is also going back to XXXX. Today I was notified they removed 4 closed paid loans off my credit reports which caused my credit score to drop. I did not ask them to remove positive information that keeps my credit score in good standing. I had complained that this old loan which is over 7 years old be removed off my report as the information is outdated aside from that all the loans have been paid in full and satisfied. I don't know why they removed 4 loans off my credit reports.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have a loan with XXXX  XXXX. The current status should not be showing late because I paid it on time. Experian Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise udate this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$4800.00}
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: MAS FINANCIAL SERVICES, INC. (CA)

To Whom It XXXX Concern, I am writing to formally dispute an auto loan account that is inaccurately reported on my credit report. The details of the account are as follows : Creditor Name : M AS FINANCIAL SERVIC Account Number : XXXX Loan Amount : {$9600.00} This auto loan has been reported with incorrect and misleading information. I have previously contacted the lender regarding this issue, but they have failed to provide the requested documentation or resolve the matter. Specifically, the loan was financed at an illegal annual percentage rate ( APR ), and the terms of the loan were both abusive and unfair. Due to these predatory lending practices, the account has been reported inaccurately. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this inaccurate information from my credit report. 

Please conduct an investigation and take the necessary steps to correct my credit report. I expect written confirmation of the outcome of this dispute and prompt resolution. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (FL)

on XXXX-I spoke with SW Credit Systems in XXXX TX and agreed to pay the reduced amount of {$80.00} for the so-called money I owed to XXXX for {$120.00}. My XXXX XXXX has dropped to XXXX. I have never had XXXX XXXX. I appreciate any assistance that you can assist with. The collection is still on my account for all 3 Credit Bueraus.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been a customer of Capital One since XXXX. Have had my oldest credit card since XXXX. Over 5 years I have saved up XXXX $ in cash-back rewards on the account. I have always paid on time. 

XX/XX/XXXX I received a letter from Capital One saying that my account usage was not in accordance with their expectation, that my account was closed, and that the rewards I had saved was forfeited. No further explanation. 

I was completely confused by this. After calling them it turns out that there was a returned payment on another other card that I use for expenses shared with my girlfriend. This card is also with Capital One. One day I had tried to make an early payment on that card - however, there was insufficient funds on our shared account and the money was returned. I rectified the error, made sure there was enough money and redid the transfer. 

However, this single returned transfer on another card is Capital One 's explanation for why they suddenly closed down my personal credit card and forfeited all the rewards I had carefully saved up without giving me even a warning. The shared credit card that I had tried to do the transfer to was not closed. 

I have a hard time imagining that this is legal. I hope CFPB can help me.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/XXXX I was alerted that a frivolous collection agency GENESIS CREDIT MANAGEMENT & COLUMBIA DEBT RECOVERY placed an account for collection on all credit bureaus for the amount of {$170.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. The agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statute that the collection agency can collect legally on this debt. On XX/XX/XXXX GENESIS CREDIT MANAGEMENT & COLUMBIA DEBT RECOVERY wrote and informed me they have investigated and responded yet I have not been provided any legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX needs to be held accountable for its unlawful actions.
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-01-14
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I have a student Loan from U.S. DEPARTMENT OF EDUCATION XXXX that is not reporting correctly. My loan was in federal deferment and was not in collections during the Pandemic Shutdown I am trying to protect the integrity of my credit profile Ineed the collection status remove asap. My loan should not be reporting in collection for over a year. Plus we are still under the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), XXXX. XXXX XXXX,.
Consumer complaint received 2022-07-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I have a checking and savings account with Bank of America. There was apparently some fraud on the account and my checking account balance, online, showed a negative balance of {$880000.00} -- this goes back to XX/XX/XXXX ( see attached ). I have some medical issues and was in an out of the hospital and when I was finally discharged for good XX/XX/XXXX, I was unable to access any funds on all, despite having a monthly direct deposit from SSA for {$1200.00}. I called Bank of America and filed a fraud claim. And waited, unable to access any funds. And waited and waited and waited, and am still waiting ; to my knowledge, that remains unresolved. In the interim, two SSA direct deposits have been deposited into my account and I have been unable ANY FUNDS. THIS IS MY ONLY INCOME! My bills are backed up ( including a Bank of America credit card payment which I've been receiving letters about despite their error, limiting my ability to pay anything ), and I have been unable to even buy groceries. On XX/XX/XXXX, I called Bank of America to check on the status of my fraud claim, desperately hoping I could sort out the issue so I could access my funds. After nearly an hour on the phone ( see attached ), most of it on hold, I spoke with a representative who said she could transfer the funds to my savings account so I could my money that way. As far as the fraud claim, I was told " they are working on it. '' I was relieved regardless, thinking the problem would at least be manageable if I could withdraw money from my savings account. As soon as I hung up the phone, and checked my bank account -- now it shows a negative {$880000.00} on my savings account! ( see attached ). I am so frustrated and feel hopeless, I can not for the life of me figure out how my bank, which can clearly see I'm on a limited fixed income, would prevent access to my only funds. Please help!!!
Consumer complaint received 2022-01-14
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: Experian Information Solutions Inc. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.