davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (WV)

This is the THIRD CFPB complaint I have filed against LexisNexis to correct errors in my consumer file. In response to my last CFPB complaint, LexisNexis dubiously claimed that I failed to submit sufficient evidence of my identity. To prevent any further unfounded assertions by LexisNexis regarding proof of identity, I have attached my drivers license, birth certificate, passport, social security card and cell phone bill dated XX/XX/, with my current address. I have also attached the confirmation letter from LexisNexis in response to my most recent request for a copy of my consumer file. My consumer number is XXXX. My case number is XXXX. I have also attached the applicable pages of my consumer file containing the information I wish to dispute. My full legal name is XXXX XXXX XXXX XXXX, NOT XXXX XXXX as stated in Section 1 of my report. Please see the attached documentation. Please remove the name XXXX XXXX from Section 1 of my file. Additionally, my phone number is NOT XXXX as listed in Section 1 of the report. Please see the attached phone bill. I have NEVER used the number XXXX. LexisNexis falsely claimed that this number was not listed in my file in response to my last CFPB complaint. However, the attached evidence is irrefutable. I want this number to be removed from Section 1 of my file. Finally, as previously stated, my full legal name is XXXX XXXX XXXX XXXX. Section 8 of my file incorrectly states that my name is XXXX XXXX XXXX XXXX. Please remove this incorrect name from my file. It is my sincere hope that my file will at last be accurate as a result of this complaint.
Consumer complaint received 2023-09-01
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-01
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-16
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: Credit Systems International, Inc. (TX)

You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the date last active and the last date reported. CREDIT SYSTEMS INTL has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed within 7 days. Please see the attached dispute letter which is dated and time stamped and remove this account from my credit report.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX Notice some unauthorized inquiries appearing on my credit reports I have listed the inquiries below and some supporting documentation. 
1.XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3.XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX 4. XXXX XXXX XXXX of inquiry XX/XX/XXXX 5. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 6. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 7. XXXX XXXX Date of inquiry XX/XX/XXXX 8XXXX Date of inquiry XX/XX/XXXX 9. XXXX XXXX Date of inquiry XX/XX/XXXX 10. XXXX XXXX Date Of inquiry XX/XX/XXXX 11. XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (FL)

I have a credit card with American Express, that fell past due. I received at least 13 robo-calls regarding the delinquency where multiple robotic voicemails were left on my cell phone, from XXXX to XXXX of XXXX. This is a direct violation of The Florida Consumer Collection Practices Act ( FCCPA ). The FCCPA protects consumers from certain debt collection actions. Specifically, it prohibits debt collectors and telemarketers from making robo-calls to your cellular phone.
Consumer complaint received 2023-12-18
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. (NV)

We were vacationing in XXXX on XX/XX/XXXX. While purchasing gas at a gas station we attempted to use our Chase credit card to pay. The gas attendant used a wireless credit card reader to charge our card. She stated it " did not go through '' and called over another attendant with a second card reader who attempted to charge our card. They stated neither charge went through. We had to pay {$60.00} USD cash for the gas. 
We researched the gas station online ( via XXXX maps ) and found this fraud scam is very common at this particular gas station. 
Later that day when we arrived back in the XXXX, we checked our Chase account and saw two charges, one for {$59.00} for gas and one for {$1500.00} at a " sportsbar ''. We immediately contacted Chase to disputed the charges and report our card as compromised. Chase stated they would investigate the charges as fraud. 
The charges were removed from our account. On XX/XX/XXXX I received a message from Chase to return a call about an inquiry on our account. I was told they could not confirm the charge of {$1500.00} was fraud because we used our card before and after the charge. I was also told that because the charge was a " chip '' purchase and that I willingly gave my card to the gas attendant, that we are now responsible for the charge. 
Chase declined to remove the {$1500.00} charge. 
Chase did not flag the charge as suspicion even though it was a large purchase, out of country, and well outside of our normal purchase habits. They have also not offered any solution other than having to pay the bill.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

During the last 120 days, I have 3 complaints against US bank for their very confusing online banking system for credit card. I don't know why they just show 3 of my credit card? 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 even when I have overall more than XXXX credit cards with us bank. 
I have no idea why US Bank made it so complex for anybody to understand how to make the payment, autopay or change the bank account ( from which to make the payment ). I have called US Bank at least 5 times and conveyed the same but no impact. I am in Information technology for 27 years and worked for financial systems for around 15 years ( 8 years - credit card ). If somebody like me is not understanding their system - then there is something really wrong. there is no impact of feedback on US Bank. IT employees, customer service are inefficient and hopeless. 

Everybody I know working in IT for US Bank are the most in capable people. Support is good for nothing. I called them during last 4 days - they were clueless. What I want? Simple billing No fees if they are not telling me that i owe something to them consolidate all my rewards so that i can use them. In the end I want to close all these headache US Bank credit cards. I believe life is too short and i should not waste with US Bank customer service. 

Today I got another statement from US Bank for the credit card ending in XXXX. It says there is a {$39.00} late fees. I have been asking for US Bank for so many days. This credit card doesn't even appear in my online account. If i don't know I have a credit card and i need to pay then how come I can make the payment. Based on this statement when i called at XXXX at around XXXX to XXXX XXXX XXXX time, I talked to an old gentleman. This person took my routing # and account # - record 3 times and couldn't process my payment. Then he gave me another phone # XXXX to make the payment. It seems that number is for some business line for US Bank and they are closed on Saturday. Once again I called XXXX at around XXXX XXXX XXXX XXXX and payment was processed.
Consumer complaint received 2023-12-18
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc. (MD)

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Consumer Portfolio Services ( CPS ) for unauthorized contact and privacy breaches. Despite multiple requests to CPS account managers to refrain from such actions, on XX/XX/2023, my new account manager contacted individuals who are not listed as my references. This contact includes past co-workers, previous employees, and even children.

These actions have not only breached my privacy but also appear to be an attempt to shame and discredit me, potentially impacting my employment opportunities and legal standing due to my debt situation.

This behavior by CPS is a severe violation of ethical standards and privacy rights. I have maintained open communication through email with CPS, yet they have chosen to disregard my requests and continue with these invasive practices. I believe this to be a deliberate strategy to use my personal information against me.

I urge the CFPB to investigate these practices by CPS and take appropriate action to prevent further privacy violations and harassment.

Thank you for your attention to this serious matter.
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (NC)

I want to be on the XXXX plan. Nelnet will not put me on the XXXX plan. My XXXX XXXX application was successfully submitted on XX/XX/2023 according to studentaid.gov.
Consumer complaint received 2023-12-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Transform Credit Inc. (GA)

On XX/XX/2023, I applied for a loan for {$6000.00} with Transform Credit Inc . I was told I was denied the loan so i responded to the denial asking them to retract my application. The company stated that the application was canceled, which I am aware can not happen after they placed a signature on the Note. After i informed them that I wanted my application back, they continued to state that the application was canceled and there was no signature so it wasnt anything they could do other than cancel the application. I informed them that they were committing securities fraud and are obligated to disburse funds due to the signature being on the Note and having access to my securities. They have yet to disburse funds and have not responded to my last email. Im not sure whether or not they are aware that they have sent me a copy of the promissory note and it clearly states " signature of borrower '' with my name beside it. They have not sent any funds to my account as they were supposed to.
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (MD)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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. (CT)

I recently sent you a request to reinvestigate the information previously disputed as I noticed many inaccurate items remain. I haven't received the results insisted upon although I know that you've been receiving the letters sent.
Consumer complaint received 2020-04-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-04-27
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)

Upon reviewing my current credit report from Experian, and XXXX  are both in violation of FCRA rules section 1681. 

Disputed account : XXXX XXXX XXXX XXXX  Please see attachment ; : Violations ; for currently reporting inaccurate balance, high balance, payment amount, & payment history after account has been closed.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

on XX/XX/XXXX was the 1st attempt to wire transfer the amount of {$20000.00} to a family member for financial support. ( Account restriction placed ) On XX/XX/XXXX Account restriction lifted ( advised by the CSR at Capital One to initiate a 2nd attempt ) on XX/XX/XXXX was the 2nd attempt to wire the amount of {$20000.00} to the same family member for financial support. ( account restriction placed ) After making contact and disclosing all the necessary information and proof of validation, It was determined the restriction could be lifted and I could proceed with another transaction. 

I made the 2nd attempt to wire the same amount to the same family member. I called Capital One to make sure there would be no issue. Capital One assured me that there would not be an issue and to go ahead and proceed. After several hours I get a notification that the restriction was placed a 2nd time.

At this point, I contacted Capital One to see what the issue was again. They then told me my account would be closed and the investigation would be launched a 2nd time for the wire transfer.

My funds are unavailable until the investigation is complete. I was not given an estimate as to when it would be or who the active investigator is. They said this was not something they provided.

They questioned my source of income and the source of the added deposit to the account from a friend. which I provided. No fraudulent activity. All digital currency was converted to USD and deposited into my account.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX XXXX I received an alert that a collection account had been posted to my trans-union account. I went onto my trans-union account to find that a debt collection company called XXXX XXXX XXXX XXXX XXXX had posted an account for an auto loan I had co signed on a couple years ago. The orig. Lender had posted info as to balance, type and responsibility, But the debt collector gave false information. Listed type as EDUCATIONAL, Responsibility as INDIVIDUAL, Balance XXXX HIGHER than posted the day before from original. This debt collector, to date has not contacted me by any means, so I disputed this information and supplied documents to Trans union to prove BALANCE, TYPE and RESPONSIBILITY. To my surprise within a couple days transunion had posted their findings without even receiving the documents I had mailed yet. The finding was " meets FCRA requirements '', case closed. Then along came XXXX and disputed with the same outcome. I provided copies from original creditor as well as copies of credit reports showing what original creditor put on credit reports up to the week of the change from original creditor to XXXX XXXX XXXX XXXX.to both CRA 's. This collection is totally believed by CRA 's and they can list anything they want to. Due to type of income I have I am worried that this collection agency used EDUCATIONAL as type of loan to try and freeze my bank account. The findings leave me to believe that this collection agency can pretty much lie and its okay.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Since filing my last complaint against XXXX XXXX which was allowing a person too retrieve a loan under my credentials and one of my credit and my good name since then I have a litigation attorney dealing with it and we sent dispute letters to all three credit reporting agencies they fixed some of the things but they have a whole lot of inaccurate items that there phone on my credit report even after I sent the dispute letters and had items that wouldn't fix and corrected causing me to not to obtain credit and financial hardship because I can't get obtain my credit report and there are still a lot of hard inquiries and soft showing even after I sent and dispute letters for my attorney I really ask that all three credit reporting agencies fix all those inaccurate things and compensate me for all the struggle because I can't obtain the credit because of these things I ask that they fix these things immediately before I become homeless because I really need to apply for credit on my own so I can come stable again and regain my good name these agencies are XXXX XXXX and Experian
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX APPLE CARD - GS BANK USA XXXX XXXX  Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 15 U.S. Code 1681 ( E ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 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 those customers ' nonpublic person 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 your reporting services. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ''