davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I FILED A COMPLAINT ON XX/XX/year> TO XXXX, XXXX AND EXPERIAN REQUESTING THAT THEY VALIDATE A NUMBER OF ACCOUNTS THAT I BELIEVE ARE INACCURATE AND THESE COMPANIES ARE NOT COMPLYING WITH THEIR OWN POLICIES IN A TIMELY MANNER.
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MD)

This company has violated my consumer rights and has reported inaccurate information on my credit report which includes late payments, and now I am being threatened with the intent to repossess This account should be reported as ok on-time payments along with the current total loan balance remaining. I am requesting a fully investigation in regards to this dispute as well. 

These are the following consumer laws I know they are violating for sure : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( Permissible Purpose of Consumer Reports ) FCRA 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) ( Exclusions from Consumer Reports ) Truth in Lending Act ( TILA ), 15 U.S.C. 1601 Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n I attached a copy of the full complaint letter, and other information about this company.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (TX)

A job offer was rescinded due to criminal record showed up on background report which is more than 7 years old. This negative information is about 13 years old now and furthermore it is an outdated info which impacted my employment with the new company where I tried to get hired. Offer was taken away after background check did not sit well with their internal security team. This is not the first time where I lost the job because of this issue and I no longer can change my current job to newer one due to this roadblock. I need this old outdated criminal record to be removed from my report. Need assistance to proceed further or connect with right department. Please let me know what document will be required?
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

Today, XX/XX/year>, I received a letter from Experian regarding report # XXXX stating that I requested a permanent removal of my security freeze. I made no such request. I tried to contact experian at ( XXXX ) XXXX but their automated answering system would not transfer me to a real person. Instead, it kept making inappropriate recommendations. This is unacceptable.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Chase abruptly closed my savings account without disclosing why, and they are withholding {$1600.00} of my money for up to XXXX business days. -- - On XX/XX/XXXX ( around XXXX XXXX XXXX ), I opened a savings account on Chase.com. I then went to my local branch office and deposited {$1600.00} into the account ( through a teller at the branch office ). Later that day, I went on Chase.com, linked my checking account ( at another bank ) to my Chase savings account, and transferred {$1300.00} to my other account. At XXXXXXXX XXXX XXXX, I was notified by email that Chase canceled my transfer. Around XXXXXXXX XXXX XXXX, I attempted to log in to my Chase.com account and was informed that my account was restricted ( I could not log in ) and was instructed to call the Chase customer service line. 

I called the customer service line, was connected to a customer service representative, and was told that Chase had closed my account and that Chase was under no legal obligation to inform me why the account had been closed. I was told that my {$1600.00} would be held for up to XXXX business days until the closure was complete, at which time it would be mailed to the address on file as a cashier 's check. I called a second time ( immediately after the first call ) to have Chase unlock my account to access my Chase credit card ( which I have had for around XXXX  years ). I was told the same information ( Chase would not disclose why they closed my account and were withholding my {$1600.00} for up to XXXX business days ). In addition, I was told that my entire Chase online account ( including my credit card ) was restricted, and I would have to call back after my savings account was closed to unrestrict my account. 

I asked to speak to a supervisor and was told no supervisors were on staff then, but I could call back at XXXX XXXX XXXX the following morning to speak to a supervisor. I called back the following morning and was told by a supervisor that Chase was not legally obligated to inform me why my account was closed and that Chase would withhold my money for up to XXXX business days until the account was formally closed. I was told that I had no recourse and that the bank had made their decision. 

I called again on XX/XX/XXXX ( around XXXX XXXX  ) because I had not yet received my check and was told that the check had been sent through XXXX  and had been delivered on XX/XX/XXXX ( the check was dated XX/XX/XXXX ). I asked again for the reason for the account closure and was given no information.
Consumer complaint received 2024-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armada Corp. (NV)

I received a debt collection notice by mail from Armada Corp . The phone number listed on the letter is not in service. Nor is phone number that is listed on the letter XXXX. I attempted to call the number multiple times within the listed business hours ( XXXX - XXXX ). The number just disconnects. This is not good for business.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : 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 2023-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mankin Law Group (FL)

My XXXX ( XXXX XXXX ) acquired a Property Management Collections ( XXXX ) to collect XXXX fees. I spoke to XXXX in the XXXX and they advised they would place collections on hold after I sustained a XXXX XXXX  and subsequent defrauding in the last year. For the first time in my life, I was facing a financial hardship and have had until that point zero negative marks on my credit or payment history. Unfortunately, not only did XXXX not pause the collections as promised, they continued to flood me with notices and mailmen collectors knocking at my door with lien notices, even though the balance was so low they could not place a lien. As you know, this is a violation of FCDPA and FCCPA ( Florida Law ), for making threats of legal action that are not allowed. Ultimately, they added some fees after a few months to get the balance above the threshold and filed the lien anyways even though the true assessment balance was under $ XXXX. I will be seeking damages from XXXX, but to make matter worse, they brought in Mankin Law Group ( I guess you'd call them a 4th party collector given XXXX is the 3rd party collector *sarcasm* ). Mankin doubled down on this invalid debt and illegal lien that was manipulated with arbitrary fees to raise the balance above the Florida Law limit of $ XXXX. Now they've piled on fees, refuse to take telephonic payments and refuse to speak to me saying I need to have an attorney. I imagine this is to toll the case past the 45 days so they can add on even more invalid fees.
Consumer complaint received 2024-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

Edfinancial services has been claiming I owe student loan payment to them, even though all of my student loans have been paid off for over 5+ years and I have never used Edfinancial . I contacted them to try and fix the situation but they simply responded I have to pay back the loans. The loans were for a college I did not attend and says that payments have been made to them, even though I never made a payment and did not even have an account with Edfinancial. After several months of explaining that there must be some mistake they continue to send me charges and late fees for students loans I never took out
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (MO)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

Monday XX/XX/year> US Bank has frozen my checking account without warning, or resolution. Multiple phone calls and a visit to my branch the next day and I still have no access to my money. This has caused transportation issues when I couldn't load money onto my bus card, and I've lost my job as a result. I don't know how I'm going to pay rent or feed myself because they are holding my money hostage " pending closure ''. I did NOT request account closure, and US Bank is refusing to issue me a check for the remaining balance at the branch. Help!
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

To Whom It May Concern : I am writing to report a series of unauthorized charges on my Chase Sapphire credit card linked to the XXXX payment app, XXXX XXXX and to raise concerns over Chases mishandling of my fraud claim. 

While traveling in XXXX, I linked my Chase Sapphire credit card to XXXX to make transactions locally. To complete this setup, I was required to submit extensive personal information, including a selfie, a photo of my credit card, a statement, and my drivers license. 

During my travels, my phone and wallet were pickpocketed. After returning home, I discovered over XXXX unauthorized transactions made through XXXX. I promptly reported these charges as fraudulent to Chase. However, despite my documentation and report, Chase concluded that these charges were valid, stating that since I had provided my information to XXXX, all subsequent transactions were considered authorized. Additionally, they justified their decision by referencing that some legitimate charges were made on my laptop in between these fraudulent transactions. Chase customer service also erroneously underreported my fraudulent transactions while I was over the phone. As a result, they said it was because I did not report all XXXX charges are fraud, therefore it does not match the guidelines of fraud. 

I believe Chases refusal to reimburse these charges is unreasonable and lacks adequate consumer protection. Although I provided initial information to XXXX for legitimate use, I did not authorize or intend for my information to be used for fraudulent purchases following the theft of my devices. I am requesting an investigation into Chases practices regarding fraud claims in cases of international data breaches and unauthorized transactions. 

Thank you for your attention to this matter. I look forward to your support in ensuring proper consumer protections are upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc. (DE)

I opened my account on XX/XX/XXXX and funded my account with {$750.00} on XX/XX/XXXX. Within hours, my account was locked, and I was sent an email asking my purpose for having a Skrill account. I responded to immediately, telling them that XXXX setup the account to store/send/receive money from family. 

On the morning of XX/XX/XXXX, I received an email saying my request was being escalated, and hours later, I received a notification telling me my account was permanently shut down, WITHOUT EXPLANATION. Furthermore, Skrill also has not provided an explanation or process for me to get my deposit back. I'm pretty sure it's illegal for Skrill to just take and hold {$750.00} from me without my consent.
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/year> at XXXX a.m I received an email notification from PayPal Service Official email, in the email it stated " We noticed you've been using your PayPal account in a questionable manner. '' and after reading through this I immediately logged in to see a large red banner on top of my screen informing me that I have been limited from using PayPal 's services [ Sending, Requesting, Withdrawing etc. ] and I must give PayPal information such as ID, credit card statements, proof of address, and detailing certain transactions. After finishing these steps it informed me that it would be reviewed in 1 day. After 2 minutes I refreshed my PayPal account and saw that the red banner now said that I was PERMANENTLY limited from using PayPal 's services. I throughly looked through every transaction, checked my withdraws and transfers and see no unusual activity. After which I called PayPal 's support line. The representative informed me that my account was blocked from using PayPal 's service and that I Agreed to the User 's Agreement Policy which shows a section under restrictions of ways my account could be restricted. After analyzing these policies I noticed that my account did not violate any of the User Agreements and The Representative refused to disclose to me what exactly was the reasoning behind this account closure. The call lasted 15 minutes. I was informed that it was a final choice that couldn't be appealed but I know that the decision was wrongfully made to terminate my account but The Representative told me that my account was at risk of breaking one of the following guidelines.