davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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. (NV)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 inaccurate.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

XXXX XX/XX/XXXX Chase Bank {$4300.00} was debited from our checking account. It was noted as a " Debit DDA Check Charge ''. 
I immediately called the bank and spent an hour or so being shuffled from one person to another. I received no answers to what the issue was due to their being an absence of any dialogue associated with the charge. 
I made several phone calls over the next few days. On XXXX, XX/XX/XXXX, I was informed an email was sent to the " compliance '' dept and that I would receive a response within 24 hours. That did not happen. 
XXXX XX/XX/XXXX I called this morning to follow up and was told, once again that an email will be sent to the " research '' dept and it will take 2-3 business days for them to even respond with what may have happened. I am not allowed to even be CC 'd on the correspondence.

There was never any correspondence stating that there would be a charge to our account. They just took it.

The only thing we think may have happened was my niece was recently scammed and filed a fraud complaint. There were 12 checks cashed within one week. The only connection we have to that is that my mother is on both accounts. 
My niece received a letter on the XXXX stating the situation was resolved and no further action would be taken. This is, however, only speculation as there are no notes associated with the {$4300.00} charge. 

We have excellent credit, no outstanding debt and have been in good standing with them for 20 years. 

I am worried that we will not get our money back.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

On the XXXX of XX/XX/2020 SunTrust now known as truist bank restricted my online banking and restricted me from withdrawing from my bank account because I initiated a XXXX  transfer of about XXXX $ to my family member... 
I called the customer service and was told to walk into a branch branch to resolve my bank issue .... 
I visited the local bank branch in XXXX GA where I live and I was told my account is closed because I violated the terms and condition and that my account will be closed and my funds mailed to me in 90 day over a {$10.00} XXXX transfer????? I was shocked .... 
I kept getting notification of my daily balance on my email address and still kept seeing my available balance, I had {$11000.00} in my account and they kept notifying me of it daily ... then on day I noticed the available balance was {$0.00} and finally I was excited my check had been mailed out and then I noticed at a point again my account balance was & XXXX, I was surprised the account I was told was closed was still active and still getting emails but then one day I stopped recieveing emails .... 
And after waiting for almost 2 years now I am still yet to get my {$11000.00} I had in my account when it was closed
Consumer complaint received 2022-11-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-11-28
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. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

They are incorrectly reporting as " Paid out of collateral ''. There was never any collateral and there was never any money lent to me. This was supposed to be a savings account- for which they kept the money ( I was told would be returned ) and never provided me with a loan or any kind of service. I made multiple written requests for them to validate the debt or provide evidence of the collateral in question for which they have ignored for more than 60 days now.
Consumer complaint received 2022-11-28
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: LEXISNEXIS (IL)

have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. Lexisnexis is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deleted.US BKPT CT XXXX XXXX XXXX XXXX. I will upload a letter from Lexisnexis that verifies that the bankrupcy should be deleted as they are a third-party and the courts don't provide any information and Lexisnexis has verified the information is not valid.
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CO)

I have tried XXXX times to move my due date. I finally spoke with a XXXX on XX/XX/XXXX who said he would process my request to move it somewhere between the XXXX of the XXXX This was to be completed by the XX/XX/XXXX ( on a recorded line ). I have been very up front with KIA finance with the fact that the due date change is to align with our paydays. If they do not change it, then we will always incur fees because we can not make it within the XXXX XXXX grace period. At no point did KIA say I could not change the date, just that I needed to wait until eligible, a date they did not provide, and no one at KIA finance will speak to it, and they change the qualifications for it every time I call. Below is there quoted language from a previous CFPB complaint about the same issue. As you can see there is no indication that I can not change the due date, or a definitive answer on when I am eligible. I called today XX/XX/XXXX to inquire about my due date update, they said it was denied, and that I was delinquent and needed to pay. I asked why it was denied, they transferred me XXXX times and no one would tell me why, and I have not recieved anything in writing both of which are illegal. I am asking KIA finance to update my due date XXXX last time before I seek legal representation, all their calls are recorded and there is ample evidence in those calls that I have recieved multiple answers, wrong info, and even been ignored, hung up on, and transferred without notice. KIA finance is giving me the runaround, and they are not being honest. I requested the due date change before my payment was due, and they are slow rolling the process until after my due date in order to deny my request, I am sure this is also illegal. 


Company Response on due date change : " While Kia Finance America ( KFA ) is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to KFAs willingness to provide him a due date change for his XXXX payments. On XX/XX/XXXX, KFA spoke with XXXX XXXX, who inquired about a due date change for his XXXX payments. XXXX XXXX was advised that due to his previous due date change request, he would need to call back once his account was again eligible for a due date change. ''
Consumer complaint received 2022-11-28
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: I.C. System, Inc. (MO)

XX/XX/2022, I mailed a letter to the company above because I never received a dunning notice and I have no idea what this debt is or how it originated. 

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. 

Account name : I C SYSTEM XXXX has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 inaccurate.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TN)

On XX/XX/XXXX, I filed a chargeback dispute with my bank XXXX XXXX, for around {$3000.00}, for debit card transactions to XXXX XXXX fraudulently tricked me into believing it was a secure service to secure my assets. Under XX/XX/XXXX changes to Reg E that are documented on CFPB 's website here : https : //www.consumerfinance.govXXXX XXXX XXXX 

" A consumer who is fraudulently induced into providing account information has not furnished an access device under Regulation E. As explained above in Electronic Fund Transfers Error Resolution : Unauthorized EFTs 3, 4, and 5, EFTs initiated using account access information obtained through fraud or robbery fall within the Regulation E definition of unauthorized EFT. See Comment 1005.2 ( m ) -3. '' " Regulation E sets forth the conditions in which consumers may be held liable for unauthorized transfers, and its commentary expressly states that negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. 12 CFR 1005.6 '' " Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. 

I contacted the bank on XX/XX/XXXX, and they tried to use a loophole to decline my dispute ( that loophole was closed by the XX/XX/XXXX updates to Reg E ). I am currently pursuing all avenues to hold them accountable. The debit card dispute is from a card offering by BNY Mellon, and they are violating Reg E
Consumer complaint received 2022-11-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

I opened a Citi Accelerate High-Yield Savings on XX/XX/XXXX. I opened this account for a promotion that gives the consumer a cash bonus offer based on the amount of funds in the account. According to the confirmation email I received on XX/XX/XXXX for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer, the promotion provides a cash bonus based on depositing " New-to-Citibank Funds into your new savings account within 20 days of account opening. The balance on the XXXX calendar day after you open your account will determine your maximum cash bonus ''. My email confirmation for enrolling also states " your Cash Bonus will be paid to your Savings Account within 90 days after you successfully complete all required activities. '' After not receiving the cash bonus, I called Citibank customer service on XX/XX/XXXX and the representative ( XXXX ) confirmed that I am entitled to receive a {$500.00} cash bonus and confirmed that all the requirements have been met. He said I should receive the bonus no later than XX/XX/XXXX and if I do not receive the funds by then, they would file a promotional dispute. He also provided me with a promotional code. 

After not receiving the funds by XX/XX/XXXX I called again on XX/XX/XXXX. The representative notified me that the code the previous representative provided did not work on their end and there was nothing else they could do for me to receive my promotion. Please note that the confirmation email I received after enrolling did not have a code- the only code I had was provided by the CitiBank representative on XX/XX/XXXX. I then talked to an account supervisor ( XXXX ) who notified me that she sent in a request for the bonus, however I have received no confirmation information or timeframe on when this might be resolved. I have still not received the funds and would this matter is resolved as soon as possible, as I can not access all my funds in my account while this is in dispute.
Consumer complaint received 2022-11-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNIVERSAL COLLECTION SYSTEMS, INC (TN)

Upon reviewing my credit report in XX/XX/XXXX I discovered a " Derogatory Remark '' from a UNIVERSAL COLLECTION SYS concerning a {$530.00} balance owed to XXXX XXXX XXXX. I disputed this on XX/XX/XXXX through XXXX XXXX XXXX XXXX stating that I had no knowledge of the account. I was notified on XX/XX/XXXX from XXXX XXXX that the dispute was investigated but the information was verified as accurate. I disputed it again on XX/XX/XXXX through XXXX XXXX XXXX XXXX stating that I was not responsible for this account ( e.g. belongs to ex-spouse ). I was notified on XX/XX/XXXX from XXXX XXXX that the dispute was investigated but the information was verified as accurate. I was again notified on XX/XX/XXXX from XXXX XXXX that the dispute was investigated but the information was verified as accurate. After the second failed attempt to get this handled I discovered a new additional " Derogatory Remark '' from a UNIVERSAL COLLECTION SYS concerning a {$600.00} balance owed to XXXX XXXX XXXX. I have only been to this Place of Business once. That may have been in XXXX and there were no services rendered other than a referral to a XXXX. These charges are not owed by me in my opinion.
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc (FL)

BlockFi has frozen withdrawals from their platform since XX/XX/XXXX, citing their Terms of Service. While it may be the case that they have within their ToS that withdrawals can be paused, they are operating as a marketplace enforcing rules arbitrarily and to the benefit of their selected winners. 

They are custodians of assets owned by me. These assets are virtual currencies that are liquid in other marketplaces. Their decision to limit my ability to withdraw my own assets is anti-market behavior. Meanwhile, news sources report that select individuals and organizations have been able to withdraw their assets. This is selective enforcement. 

I am unable to take possession of, transfer, and change the denomination of these assets owned by me solely because of BlockFi 's decision to pause these activities in the name of shoring up their own business. This is against the public interest.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

They are incorrectly reporting as " Paid out of collateral ''. There was never any collateral and there was never any money lent to me. This was supposed to be a savings account- for which they kept the money ( I was told would be returned ) and never provided me with a loan or any kind of service. I made multiple written requests for them to validate the debt or provide evidence of the collateral in question for which they have ignored for more than 60 days now.
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Stellantis Financial Services US Corp. (CA)

I did surrender my vehicle on XX/XX/2018. I thought if i surrendered my vehicle that was that. I've heard many people tell me that once it was repoed you don't have to worry about it.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CT)

On XXXXmy Citibank Account was closed XXXX I was told a check would be issued approximately 10-15 business days afterwards. The check is well over XXXX and the bank doesnt seem to know what going on or can tell me where my check is. I am back up in bills and pending eviction from when they ended their relationship with me on XX/XX/2022. Here we are XX/XX/2022 and I still do not have my funds and Citibank is refusing to give me any answer please help me
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (AL)

Hey Ive been a customer Grain technology for over a year everything was great my account was set up on auto pay payments were made on time every month then one day I got an email about verifying my ID I sent over the proper info but they denied my verification and close my account I still had to pay the remaining balance off money was still deducted out of my bank account up until this XXXX I notice they didnt take the money for the month Ive been trying to login into my account but I cant Ive reached out to customer service and never get a response Ive reach out the phone and email and cant get any help they reported a 30day late payment on my credit report I have no problem paying them but I cant pay them because they have disconnected my auto pay without letting me know and I cant reach out to anyone this is unfair
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (NC)

I had a vehicle loan with TD Auto back in XXXX. My vehicle was paid off around XXXX and I received the title for it. Unfortunately, it is now XXXX and I no longer have that title and am in the process of selling the vehicle. The XXXX has brought to my attention that there is a lien showing from TD Auto Finance which deters the DMV from providing me with a duplicate title. 
On XX/XX/XXXX, I made a call to customer service department and spoke with a gentleman ( He did not provide me with a name or employee id ) who assured me that a lien release or a letter of non-interest would be mailed out in 7-14 days. I called again approximately a week later to check the status and was told by another rep that the request was not put through and that she would put it through. I called back on Wednesday XX/XX/XXXX and spoke with XXXX XXXX ID XXXX who informed me that he saw no history of a request for the lien release but assured me that he would escalate the request to be processed within 3-5 days. I have called a total of three additional times and as of today the request supposedly shows that it has reached the title department and that the paperwork should be mailed by the end of this week. Naturally, I have no way of knowing whether this is true or if my lien release is ever going to be mailed at this point. It seems to me that each time I call I am getting nothing more than false information. I have spoken with two separate managers to no avail.
Consumer complaint received 2022-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collection Services, Inc. (OK, TX) (OK)

MEDICAL BEING REPORTED THAT I WAS UNAWARE OFF.. I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA. MEDICAL DEBT UNDER {$200.00} IS NOT TO BE LISTED ON MY CREDIT REPORT. I NEVER RECIEVED AN ITEMIZED STATEMENT PROVIING THIS DEBT IS IN FACT MINE. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, AMERICAN COLLECTIONS SVCS.INC. 
XXXX XXXX XXXX XXXX XXXX  XXXX OK XXXX ( XXXX ) XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately. 
This violated XXXX laws and all. My information should have not been sold. It is confidential information.