davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Credit Adjusters, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX through the debt collector company named Southern Credit Adjusters , Inc had billed me for {$1200.00}.

Firstly, they did not notify me at all about any form of debt collection, especially if it were to be unpaid and go to collections, and yet they also did not inform me of any form of debt cancelation, both violations of Consumer Financial Protection and Federal Regulations.

The Hospital provided a service that was very unhelpful, in fact, quite harmful, considering the state that I was in : they were doing remodeling & reconstruction in the XXXX  waiting room, with it being beyond freezing outside and having cold air breathing down my neck and body as I was dealing with 4 different XXXX XXXX of which all 4 sicknesses were tested as positive by a NURSE PRACTICIONER FOR FREE! They charged me for no real service other than a possible case of sickness, with no defined cure. 

The XXXX XXXX then proceeded to, after I personally had to search for how to apply for debt cancelation, if there was to be any at all, not inform me of any remaining balance, if any, and any communication between me and the hospital had been severed not by my own will. 

Now, I attempted to pay the bill in full all at once, and yet they rejected me paying the bill for no notice. 

I do not know why they did such things yet this is outrageous.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I requested for Bank of America to review and consider a refund of excessive fee charges associated with my checking account for the following Years and Dollar amounts : XXXX ). XXXX XXXX XXXX  Overdraft Fees ( Year To Date ) : {$380.00} NSF Charges ( Year To Date : {$35.00} XXXX ). XXXX XXXX XXXX  Overdraft Fees ( Year To Date ) : {$630.00} NSF Charges ( Year To Date ) : {$560.00} XXXX ). XXXX/XXXX/XXXX - XX/XX/XXXX Overdraft ( Year To Date ) : {$1000.00} NSF ( Year To Date ) : {$140.00} Fees totaling {$2700.00}. In addition, during this period I charged excessive fees and Bank of America did not pay any of the vendors, but yet I was charged the fees.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit. 

XXXX XXXX XXXX Inquired on XX/XX/year>
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DOLLAR MUTUAL BANCORP (PA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

A settlement check from a lawyer 's trust account at XXXX was deposited on Saturday, XX/XX/XXXX. The funds were wired XX/XX/XXXX from XXXX to Chase and the attorney has verified this. Chase will not release the funds because their back office says that they have to CALL the sending institution to verify the funds were sent, even though Chase already has received the funds. XXXX will not respond to any phone inquiries because of the prevalence of phone fraud. Chase 's internal process is preventing release of the funds that they already have.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AR)

Fraud department somehow thinks that my standard rent payment which has been made monthly for almost 3 years is now " suspicious ''. They have cancelled my payments EVEN AFTER SAYING THEY WOULD NOT. 

I have no recourse and guess what, rent is due. Unbelievable.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. 

1. XXXX card Account closed on XX/XX/XXXX 2. XXXX XXXX Account closed on XXXX XXXX, XXXX 3. XXXXXXXX XXXX XXXXXXXX Account closed on XX/XX/XXXX 4, XXXX XXXX XXXXXXXX Account closed on XXXX, XXXX 5. XXXX XXXX Account closed on XXXX XXXX, XXXX 6. American Express Account closed on XX/XX/XXXX All late payments on these accounts started when the covid-19 pandemic started. I did not receive any notification for payment. I would like for you to remove these accounts off of my credit report.
Consumer complaint received 2024-09-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

On XXXX tried using the card across multiple cant use the card online getting decline messages. Checked Amex site it shows every transaction as declined even though I have more than enough available funds.  Card is useless.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TN)

I am writing to formally file a complaint against XXXX XXXX XXXX, JPMorgan Chase, XXXX XXXX XXXX, and XXXX XXXX XXXX for placing unauthorized hard inquiries on my credit report. These inquiries appeared on my XXXX, XXXX, & XXXX credit reports on XX/XX/2023, XX/XX/2023, & XX/XX/2023 & has negatively impacted my credit score. 

The XXXX XXXX XXXX inquiry appeared on XX/XX/2023. The JPMorgan Chase inquiry appeared on XX/XX/2023. The XXXX XXXX XXXX inquiry appeared on XX/XX/2023, & I have never been affiliated with this company. The XXXX XXXX XXXX appeared on XX/XX/2023 & I have never been affiliated with this company. 

I did not authorize these inquiries with XXXX XXXX XXXX, JPMorgan Chase, or XXXX XXXX XXXX that would justify such an action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit report may only be accessed for permissible purposes. As far as I am aware, Discover Financial Service, JPMorgan Chase, XXXX XXXX XXXX, or XXXX XXXX XXXX did not have any legal basis to access my credit report, and therefore, this inquiry was made without a permissible purpose.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Consumer complaint received 2024-08-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Peer Advisors, LLC (CA)

I am writing this as a XXXX XXXX  of our HOA. I have been in contact with the FHA Resource Center ( reference # RE : XXXX ). I am attaching a copy of the property profile. HUD has the Deed to XXXXXXXX XXXX XXXXXXXX in our condo building. The owners, both deceased since XXXX, had no Will nor does their family want to open probate. They did a reverse mortgage as joint tenants and borrowed {$540000.00} on a variable interest loan. We have hired several attorneys since then in hope that this XXXX gets foreclosed and sold. We are a small HOA and this creates a financial burden. All attorneys we have hired inform us that HUD must foreclose on this loan. On XX/XX/XXXXXXXX  I mailed and emailed Compu-Link Corporation , who is HUD 's HECM loan servicing center in XXXX XXXX , with this information and property profile. They are impossible to get hold of and do not respond to mail. I am reaching out to you praying that this problem get resolved. 
Thank you, XXXX XXXX
Consumer complaint received 2024-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

There are multiple unauthorized inquirys made on my credit report that I need disputed right away these were inquiries that I didnt make and I need them removed from my credit report I filed a ftc report that I will attach to the document files below
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights to be penalized with double jeopardy. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. 
Please delete immediately. When the requested above deletions are made, please mail me an updated copy of my credit report : Account : XXXX XXXX ( XXXX XXXX ) Account # XXXX Account : XXXX XXXX XXXX  XXXX Account XXXX XXXX
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened Bank of America XXXX XXXX Banking checking account few days back. It end in XXXX. There was suppose to be an opening deposit of {$25.00} to open this account which i tried to deposit but it failed.Later I got one mail from Bank of America that they couldn't do that deposit transaction due to the fact some report from XXXX XXXX XXXX. No where in this letter Bank of America stated how to contact XXXX XXXX XXXX except a phone # where nobody was available during the regular business hours also. Somehow I sent the request to get my consumer report to XXXX XXXX XXXX. 

But I was able to transfer money from my XXXX account to this Bank of America XXXX XXXX Banking checking account. How come that is possible if Bank of America is deciding their decisions based on XXXX XXXX XXXX 

Something really going wrong in XXXX XXXX XXXX as well as Bank of America
Consumer complaint received 2024-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

The Nelnet website has been constantly down for the past couple of months making the ability to make payments, access loan information, and check balances unattainable. When I reached out to Nelnet about the tech issues via email, no response is ever provided back. 

Nelnet 's website has been constantly down for the past year for various issues, and the screenshot attached just shows the latest issue.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (CA)

In 2019, I had a Discover Bank Checking account, which I closed after returning from a trip to XXXX and XXXX. I found that Discover wasn't accepted at most places where I tried to make purchases. On Saturday, XX/XX/XXXX, I attempted to open a new Discover Bank Checking account. However, a customer specialist informed me that I would not be able to open an account with them. When I asked if I had a balance on the previously closed account, the specialist confirmed that there was no balance and vaguely explained that it was a business decision to not allow me to open a new account. I find that answer to be highly questionable.
Consumer complaint received 2024-08-31
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX, I went to a Chase Bank ATM, and it just ate my {$2000.00} cash and broke on me. I can't believe the bank straight up robbed me. My money hasn't shown up in my account. I called for help, and all they said was they can only give me a temp credit, and who knows when that could happen. I feel scammed and robbed. I cant trust this institution anymore, and considering closing all my account, credit cards and mortgage. What a horrible place!
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am writing to dispute a late payment thats listed on my credit. I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 ( a ) it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 1681n ( B ), consent from the consumer is required before furnishing information on their behalf to date, I have not granted such authorization to XXXX credit. I was never 30 days late and Ive attached proof including bank statements.
Consumer complaint received 2024-08-03
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. (TX)

I notice when i reviewed my reports on my free credit report.com. I had inquires listed on my credit unauthorize by me. and this all started happing once it was blasted about a data breach my credit information starting to get leak and subscribe for things i have no clue and not done to this. I would like this to end this will affect my prefect score i have if this continues. so please remove all three of these unauthorized inquiries from my report XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
JPMCB - CARD SERVICE XXXX XXXX JPMCB - CARD SERVICE XXXX
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (CO)

Square Cash ( XXXX XXXX XXXXXXXX ) has disabled me from using my account and has also deactivated the account as well with my funds. I tried to make a transfer using a debit card, in three failed attempts the account need identity verification. After attempting to prove my identification I was denied access to transfer funds off of the account nor spend the amount of funds on the account. Then Square wanted me to prove documents that my business existed in order for them to proceed with the account verification. I tried explaining to everyone on the phone what was happening and they denied my request of telling me reasons behind the disclosure of my account. The customer service was no help and my account should have never been closed.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Fortiva, a financial services provider, for their ongoing failure to correct inaccurate information they have reported to the credit bureaus regarding my account ( Account ending in XXXX ). 

Since XX/XX/XXXX, I have been in contact with Fortiva regarding discrepancies in my credit report. Despite multiple communications and confirmations from Fortiva that my payment history is clean and reflects no late payments, all three major credit bureaus ( XXXX, XXXX, and XXXX ) continue to report erroneous late payments. These inaccuracies are negatively impacting my credit score and are severely hindering my ability to secure a mortgage. 

Here is a summary of the situation : - On multiple occasions, Fortiva has confirmed that their records show no late payments on my account. Despite this, the credit bureaus are reporting the following inaccuracies : - Experian : XXXX late payment - XX/XX/XXXX- XXXX : XXXX late payment - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX late XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- I have repeatedly requested Fortiva to correct these inaccuracies with the credit bureaus, but they have failed to do so. Most recently, on XX/XX/XXXX, Fortiva responded that they do not find any errors on their part and are unable to change the credit reporting. 

This failure to correct the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, Fortiva is obligated not to furnish information to credit bureaus if they know or have reasonable cause to believe that the information is inaccurate. Additionally, Section 623 ( a ) ( 2 ) requires that they promptly correct and update information to ensure its accuracy. 

Given Fortiva 's refusal to correct these errors despite being aware of them, I believe that their actions are not only negligent but also in direct violation of federal law. This has caused significant harm to my credit standing and has placed undue stress on my financial situation. 

I respectfully request that the CFPB intervene in this matter to compel Fortiva to correct the inaccurate information they have reported to the credit bureaus. I would also like to request an investigation into Fortiva 's practices regarding credit reporting to ensure compliance with the FCRA. 

Please find attached copies of my correspondence with Fortiva and screenshots of the incorrect credit report entries for your review. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue and protecting my rights as a consumer.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ProCollect, Inc. (TX)

I filed a report to the FTC, then sent a complaint with the attached report through the CFPB, stating there is no money owed to the original creditors " XXXX XXXX  '' and demanded it be removed from my credit report or to send me validation of my debt to my current mailing address. 

They responded to the complaint saying " Procollect received the consumer 's account from our client XXXX  XXXX XXXX  on XX/XX/XXXX. The consumer owes a balance of {$900.00}. The consumer 's dispute has been noted and the account has been updated. I apologize for any inconvenience this may have caused. Procollect has mailed proof of the debt to the consumer 's listed address XX/XX/XXXX. The consumer may provide Procollect with any correspondence that proves this debt to be invalid by email to XXXX or fax XXXX. XXXX will extend a settlement on the account of {$670.00}. The consumer may contact Procollect by XX/XX/XXXX @ XXXX to pay the balance over the phone with a credit or debit card, or receive additional payment options. If the consumer has any further questions they may contact me, XXXX XXXX, directly @ XXXX ext XXXX. 
Thank You '' I received the said document in the mail, which had my name on it, however not my signature, and no lease start date, essentially no real validation. 

When I called the number and asked for XXXX XXXX, she told me that they don't have any documents with my signature or original debt. She just continued to put me on hold and tell me it was a true and valid debt, and had no proof. However according to 15 U.S. Code 1692g I must receive this document or it is illegal to continue reporting to my credit. 

She ignored the law and continued to tell they would not stop reporting and that without proof that it is a true and valid debt.