davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

I opened an account at Citibank. I made deposits from my other bank account at XXXX. Citibank suspected fraud. they called me and we called XXXX and confirmed that it was my account and that there wasn't any fraud. Citibank closed my account anyway. However, they did not return the funds in the account. I called and chatted several times and was told it takes XXXX days to get the funds. I started asking after XX/XX/XXXX. I was told several times that i didn't have any funds to get even though my ending statement showed {$490.00}. I spoke to the fraud department who finally confirmed that yes i do have funds and they would put a rush on getting me my money. That was on XXXX. On XX/XX/XXXX I called back and was told that they see the request for funds and that they would make sure I got my money. I called back on XX/XX/XXXX and was told they had 30 days from the day it was closed by fraud ( XX/XX/XXXX ) to get me my money. Today is XX/XX/XXXX and I still haven't received my money. I called again, spoke to XXXX people in fraud who said there hasn't been any updates on sending my money and they would send emails. I told them it was unacceptable and to let me talk to the department that handles that and they told me they dont have any phone calls to them. They are stealing my money and are making no effort to return it to me. I am attaching the last XXXX statements. You can see on XX/XX/XXXX the money in my account was " withdrawn '' but nothing has been sent to me.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adelante, Inc (TX)

I'm writing about a troubling issue with my credit file. I've discovered a collection entry from your agency that I was never notified about. I also have significant doubts about the validity of the claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I formally ask you to provide the necessary validation and address this matter appropriately.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NC)

While checking my credit report a few months back, I noticed errors concerning the account for XXXX  XXXX ( XXXX ) and CITI ( XXXX ). This is a violation of my rights. I contested these errors with the three credit bureaus and the creditor, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NC)

In recent months, on my credit report, the account AFFIRM INC ( XXXX ) has been reported consistently on only one credit bureau ( XXXX ), which violates my rights as a consumer by not maintaining a consistent report across all three bureaus. Through this complaint, I request that this account be removed from my credit report. The company is in violation of sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NC)

The account XXXX XXXX XXXX ) and THD/CBNA ( XXXX ) show late payment marks, even though these accounts have already been settled and closed. Additionally, they are in violation of 15 USC, which is why, through this complaint, I want to dispute this and request their removal from my credit report.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (PA)

My saving account was hacked yesterday. I had a security problem was XX/XX/year> which I filed a compliant. ( XXXX ) I spoke to XXXX this XXXX about the matter. This problem did not improve.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

I have made multiple attempts to rectify this matter first i sent them a debt validation letter and they sent me statements. Statements are not sufficient evidence of a debt Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334. Anyone can create statements to falsely stimulate the idea in a consumer that they owe an alleged debt. Next they refuse to honor my cease and desist which violated federal law and means they are now harassing and abusing me. What's included in a cease and desist is permanent deletion from consumer reports because consumer reports are in fact a medium of communication per the definition of communication under the FDCPA
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (MA)

This in follow up to complaint XXXX. ( I don't see an option for supplementing existing complaints so I have created this new complaint. ) I requested information from AidVantage on my XXXX XXXX XXXX XXXX AidVantage has, to date, refused to comply. I then filed a complaint with you. AidVantage has now locked me out of my online account ( apparently in retaliation for filing a complaint ), so I have no access to any information on my loans. I have no way to manage and pay my loans. I have called AidVantage numerous times to unlock my account, but simply get put on a repeating message loop telling mer to log into my account. 

I am now in the position of going money to lender that refuses to provide me basic information about my loans and refuses to give me access to my loans. 

I am concerned about the negative effects of being unable to access/manage/pay my accounts ( in addition to the widespread reports of loan servicing errors ). 

Please help me with these predatory and lending actions.
Consumer complaint received 2024-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

They forced a transaction from my debit to my credit for XXXX on XX/XX/XXXX which it said it was declined when I had the money in the account so when it declined I paid in cash thus charging me twice this is the 3rd time this has happened and I won both disputes and everytime I mention it they hang up the phone they are very unprofessional and never follow regulation e and Im ready to file a lawsuit against them if my money isnt returned in the next 72 hours I have bills to pay
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

Subject : Request for Cessation of Excessive Calls Regarding Closed Account Dear Chase Bank, I am writing to express my concern regarding the frequent and disruptive phone calls I have been receiving from your bank. My account was closed several months ago, and I have been consistently receiving calls every few hours regarding an outstanding balance of {$200.00}. I understand my responsibility to settle this matter and have informed your representatives that I will make the payment on Thursday. 

However, the persistent and excessive nature of these calls is causing significant disruption to my personal and professional life. I kindly request that you intervene and ensure that these calls cease until the agreed-upon payment date. I am committed to resolving this matter amicably and will make the necessary arrangements to settle the outstanding balance as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

This is NOTICE to XXXX to stop administering the XXXX XXXX XXXX XXXX and remove all data from your databases, and stop sharing and receiving non public information with non affiliated XXXX parties ... XXXX XXXX does not possess written consent or authorization from XXXX XXXX and is violating the PRIVACY ACT. and Copyright Laws. 

I am the only authorized representative and lawful Executor/Administrator/Representative to the NAME, which is an ASSUMED NAME, XXXX XXXX ( see attached ) XXXX XXXX does not possess any Signed Social Security Administration XXXX XXXX XXXX XXXX legal and lawful authority to use and share this non public information. 

See attached fee schedule in the case that XXXX XXXX wishes to further engage and do business with XXXX XXXX.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

In XXXX of XXXX, I saw my credit score provided by XXXX, Experian and XXXX was between 506 - 522. These low credit score caused XXXX  credit card companies denied my request for a card. 

History - Between XXXX and XXXX I paid my full credit cards ( XXXX ) balance totaling {$7700.00}. 
I have sent communication to them receiving no The only card I have is XXXX, with a balance due of {$170.00}
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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 ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EDUCATION/XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

After sending numerous written requests, the fraudulent items listed below continue showing on my credit report, flagrantly violating federal law. The 3 Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA 605B mandates reporting any incorrect accounts appearing on a consumer 's report.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Someone indicated they wanted to purchase a motorcycle we had posted for sale online at XXXX XXXX. The communication with the buyer was done online and per text and phone. He sent us a check via XXXX. We deposited the {$12000.00} check at Bank of America on XX/XX/year>. The bank credited the account the next day of XX/XX/year>. The potential buyer then said they changed their mind and requested the money back on XX/XX/year>, prior to receiving the motorcycle. They said to deduct 10 % due to the inconvenience. Since their check had cleared, we proceeded to send them the money on XX/XX/year>, per a wire transfer and XXXX XXXX  payments from our accounts that we had transferred the money we received to. Then on XX/XX/year> after close of business, Bank of America removed the full {$12000.00} from the account that it was deposited into. They called it a return item chargeback. Our account was left with a significant negative balance. We called the Bank of America on XX/XX/year> and they said that the check was written on a closed account from the XXXX XXXX XXXX XXXX. We immediately contacted the person from XXXX XXXX who purchased the motorcycle and requested our money back. They did not respond. We requested the XXXX  payments be returned from the person we sent XXXX to. We submitted fraud/scam claims to Bank of America and requested their assistance to obtain our money back. The wire transfer was to a BofA account so we felt strongly that they should t least be able to help with that. BofA has now sent us letters indicating that they were unable to retrieve any of our money. So we need some more help. Additionally we contacted the company whose name was on the bad check we received. They indicated that someone the previous week had also used a bad check from their company name to try and purchase something. The company name that was used on the check is XXXX XXXX XXXX XXXX. XXXX XXXX submitted the information to their bank ( XXXXXXXX XXXX XXXX XXXX ) but have not provided us any additional information. XXXX XXXX stated that they didn't have any employees who could have legally issued us that check. We have some names and some phone numbers and account names, copy of the check etc that can be shared with you. The actual money we are out is the check minus the 10 % so it is {$11000.00} plus the {$30.00} wire fee. Thanks for any help you can offer us in obtaining our money back. Please let me know what additional information you need.
Consumer complaint received 2024-06-14
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. (TX)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance to the fair credit reporting act, this creditor has violated my rights.

under 15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604A section 2, it also states A consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2024-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

XXXX XXXX  have been told to cease and desist they have violated 15USC1681b reporting to all credit reporting agency after being told. I have filed the notice with CFPB check all previos cases filed on file in your records