davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX : CapitalOne blocked my account for alleged fraud. I was the one making the charges and used their app, email and text security features to approve charges. They then asked me to call # on back of card as my account was blocked until reactivated. I did and they told me that I would need to upload a copy of the front/back of my govt issued ID to verify my identity. I objected as they have more than sufficient information to verify me with existing system and I did not want to now also add my image and likeness. I indicated I would be happy to verify any other way but didn't feel comfortable with them having a picture on file. They've now blocked me from transactions on my account -- except payments -- until I provide this. I am, in essence, being held hostage by the credit card company. 

ADDED DETAILS : If this was about MY security, they would recognize that IF my purse had been stolen, the thief would have my phone and wallet -- which would have both my card AND my ID. Asking the thief to upload, fax or email a copy of the ID would not ACTUALLY verify they are speaking to me. It would simply verify the person with possession of the ID is the one they're speaking to. 

Additionally, I offered the following : XXXX. to answer any number of security questions from info they have on file ; 2. to send them a signed, sworn Affidavit from a notary would would have seen me and my ID in person and attested and notarized to that effect ; 3. use of a 3rd party system like ID.me to verify my identity ; and/or 4. presenting myself in person at their local CapitalOne cafe with said ID.

They refused indicating that my sending them the image was the ONLY option.Again, they are holding me and my account hostage and there is no actual SECURITY reason for it.
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

1

5 USC 1681 ( a ) ( 4 ) : States I have the right to privacy. 15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate. Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2023-06-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. 
The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MA)

On Saturday XX/XX/2023 I received a welcome email regarding an account opening from Chime CEO XXXX XXXX. I responded to XXXX that I did not open this account and was just recently a victim of identity theft. Complaint one is that XXXX ' email is a no-reply email. Don't welcome me and not allow me the opportunity to respond back. 
I was able use the chat feature to report the fraud. Unfortunately the inexperienced staff only closed the savings account and not the associated checking account which brings me to complaint two. You, XXXX XXXX and Chime need to be diligent when receiving a fraud complaint. Speaking of utilizing due diligence, complaint three surrounds the opening of the accounts since it was done fraudulently. XXXX XXXX and Chime did not use the proper due diligence for account opening. The address provided by the fraudster did not match my address I've had for 27 years. That is red flag 101.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I have been trying to close my CHASE account for months. I withdrew all the money in there so that my bank balance is XXXX. Then i went into the app and requested via their secure messaging service to close the account. After a few back and forth messages they eventually said the account was closed. However, I received no official confirmation of its closure and I realised that my account was still open. So I messaged them a few more times until they again said it was closed. Now on my online profile it no longer showed the account. But it was clear that the profile was still active and had not been closed. They said it was closed. 

However I am still receiving emails from Chase. Even today, I received an email from Chase saying that my online statement for my account is ready for viewing. If my account is closed, why would I be receiving such an email? 

It seems to me that Chase is trying to retain my account and refusing to close it properly. Chase has no right to keep all this and keep my data when i close the account. I do not want any association with the bank and I want the account properly closed, my profile deleted and all my private information deleted from Chase 's servers.
Consumer complaint received 2023-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (UT)

Hi I am currently a student and am having issues with Nelnet. My original loan was through Great Lakes, and it was then transferred to Nelnet ( not by any choice of mine ). At Nelnet, they had my starting repayment due date incorrect. I reached out to them about my disappointment and the inconvenience it was to me, and this was the reply I received : " Dear XXXX, Thank you for contacting Nelnet. 

This message is to verify we have received your e-mail. We have updated your email. 

This change was effective on XX/XX/XXXX. 

You are currently signed up to receive communication from Nelnet electronically. If youd like to update your method of correspondence, please log in to your Nelnet.com account, select Settings, then Manage Paperless. 

Your updated information is vital for us to help you successfully repay your loan ( s ). If any of your contact information changes, please reply to this e-mail with your new address, phone number and/or e-mail address. 

Our records reflect that all loans on your account will have its six-month grace period for loans from XXXX XXXX XXXX  XXXX XXXX XXXX The grace period will end on XX/XX/XXXX. Your first scheduled payment due on XX/XX/XXXX. 

Please note that you are responsible for paying the interest that accrued while you were in school and interest that is accruing during your grace period on any unsubsidized loans and any subsidized loans first disbursed between XX/XX/XXXX and XX/XX/XXXX. 

If you choose, you may make payments while your account is in its grace period. Any unpaid interest at the end of the grace period will be capitalized ( added to the principal balance of the loan ). For more information on how interest capitalization can affect your current balance and the amount of interest you will pay over the life of a loan, visit Nelnet.com/Interest-Capitalization. '' After going to my Nelnet account, my student loan balances were all {$0.00}. I then received a random email from XXXX XXXX that my loans were transferred with them. Nelnet did not inform me that my loans were getting transferred. There still has not been any contact from Nelnet regarding the transfers of my loans. 

Thanks, XXXX
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (GA)

XXXX account that was closed on XX/XX/XXXXXXXX  is saying I owe XXXX  on XX/XX/XXXX. I asked the debt collector to show proof of notice because I was unaware they gave me false address. And they wanted my social Security number.
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (MO)

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. 
DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX Page XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PER XXXX XXXX 15 USC 1681 section 602 A states i have the right to privacy . 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( a ) ( 5 ) 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 seven years.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Ok I pay bank of America XXXX a month on auto pay so i never forget to pay it. its been XXXX a month I can't remember how long, but they raised the fee XXXX dollars a month. they said they sent me emails, I only received XXXX email and that said i had to pay XXXX because I haven't made a payment in 2 months making the email i opened 3 months. So, I called them up and spoke to a woman i think her name was XXXX. She was rude and told me when make the payment she will go over the acct, so I ask her for a supervisor which a guy named XXXX came on the phone. i ask him to help me and look at my acct I have never been late and if you would of called me i would of had no problem paying the extra XXXX a month. he would not help me and i have never seen a credit card company not wanting to get to the bottom of a problem. I was AL reading having problems with an old checking account that was never getting resolved. All I wanted was to know how I owed XXXX for 3 months when I was paying XXXX a month. and i wanted the later charges removed since auto pay paid it on time. I'm not receiving any help. CFPB sent my banking problem to XXXX and i was telling her about the bank of America credit card. how unprofessionally and nasty they were. she said she would look into it and get back to me. So, I still haven't heard back from her so i am filing my complaint. I received a letter in the mail today XX/XX/2023. It has my name and my husband 's name and address on it and bank of America at the top, the date, my last XXXX of my credit cards. no name who sent it, who it's from. I don't know if someone hacked my acct or my name, I will send this to you. i am taking it to a lawyer because I don't know who sent this. I'm scared bank of America gave out my info. On a letter it is supposed to have who its from and contact information. i don't know who sent this. Please help me
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (IN)

I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausEquifax, XXXX, and XXXXregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness.
Consumer complaint received 2023-06-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX states that I was late for XXXX days in my file but I got proof that shows that I was never late the account was charged off in XXXX if the car was charged off where is my XXXX form at I never got that in the mail. Thats very illegal to hold funds that should have been on my XXXX taxes and I couldnt because this company never sent. They are colllecting a debt which I dont owe either. The car was paid off already. I demand that Experian, XXXX, and XXXX to review and remove negative informations that is hurting my report.
Consumer complaint received 2023-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NY)

On XX/XX/XXXX I sent a letter to JEFFERY CAPITAL SYSTEMS LLC. I never got an response from them. I never received a notice from this company. I just saw that they were reporting on my report. 
Per the FCRA as a federally protected customer. I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal nonverbal as per 15 USC 6802. This is effective immediately and indefinitely. Also the account mentioned above that you are trying to collect on has been charged off and according to the Internal revenue service, charge offs is considered a certificate of indebtedness which means it is now income. Income is not to be reported on a credit report please remove. You are in violation of my privacy right under the Privacy Act of XXXX. JEFFERY CAPITAL SYSTEMS LLC you are committing security fraud PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF XXXX. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction Exclusions.-Except as provided in paragraph the term " consumer report '' does not including any report containing information solely as transactions or experiences between the consumer and the person making the report
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I have contacted Equifax on multiple occasions and notified them that the bankruptcy that they are reporting is not mine ( it has been deleted by XXXX already ) and they continue to report it which is an FCRA violation and is damaging my credit report. I demand that they remove it immediately before I sue.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Accounts considered charged off/Collections. These accounts are still on my consumer report and should not be. Wrongfully garnished wages with XXXX XXXX XXXX and I want my money back. Was never given XXXX for any of these debts. I believe these companies are committing tax fraud.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MO)

Accounts considered charged off/Collections. These accounts are still on my consumer report and should not be. Wrongfully garnished wages with LVNV funding LLC  and I want my money back. Was never given XXXX099-C for any of these debts. I believe these companies are committing tax fraud.
Consumer complaint received 2023-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TN)

On XX/XX/XXXX, I received alerts from several " credit monitoring services '' regarding a new item that had appeared on my credit report. This was something saying " Collection/Charge-off '' from a company called Sunrise Credit Services. It allegedly had to do with an account with XXXX XXXX XXXX. 

I had had a cell phone account with XXXX XXXX XXXX at some time in the past, but I closed it almost exactly a year ago, and even successfully transferred the phone number to another carrier. 

There was some matter of an outstanding balance, matching the allegedly " delinquent '' amount. However, on XX/XX/XXXX, after communication with the XXXX XXXX XXXX, I received a letter saying that this would be refunded to me, which in fact that amount in question did, shortly thereafter, appear in my bank account : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hello XXXX XXXX, I am with the XXXX XXXX XXXX Office of the President. We have received your complaint, investigated it, and provided the relief you requested. 

This will be available to you within 3-5 business days. 

If you have any questions, contact me at the telephone number below. Please reference our file number XXXX when calling. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
p ( XXXX ) XXXX | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - As such, I think we can agree that I did not nor do not owe any outstanding amount to XXXX XXXX XXXX, and I certainly do not owe a cent to whatever " Sunrise Credit Services '' purports to be. 

Please instruct that firm to leave me alone in every respect. 

Thank you.
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX and I checked my credit report and I noticed some fraudulent and inaccurate accounts and Inquiries on my credit report I reached out to the credit reporting agencies about these fraudulent accounts but they did not fix the issues.