davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

My wife and I had a Costco Anywhere VISA Business Card by Citi since XXXX, issued by Citi Cards. We both have a credit rating above 700 and have never been late on our payments. Our credit-line was over {$20000.00}. In XX/XX/XXXX, we decided to purchase a car and the dealer said it was okay to put some of it on our credit card. We only put {$5000.00} on the card, way lower than our credit-line. Days later, Citi canceled our card without any prior notification. Since we use the card in our family business, it was a great inconvenience and surprise. Moreover, the cancellation was suspicious because we have over {$750.00} cash rewards on that card. When we called to find out what happened, customer service said we had to wait for a letter but confirmed that Citi would forfeit our cash rewards that we had earned. Because of our high credit rating and patronage of over 10 years, that was an unfair business practice by Citi to act unilaterally and without notice. We asked to be reinstated but Citi refused to provide us with additional information on how to request reinstatement. Oddly, they sent advertisements of other Citi cards despite forfeiting our already-earned cash rewards. We were professional and paid off our statement at the end of the month as we have for over 10 years. Sadly, we typically would give part or all of the cash rewards we earn each year to our children to save for college. This unprofessional business practice had consequences for us in the forfeiture of the cash reward we had earned and that we had to seek a different card and, finally, our trust in Citi. We could have used a different card during that period and missed-out on other reward programs. Our reliance on Citi appears to have been misplaced.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I authorized Bank of America to pay my son 's college tuition payment to be paid to XXXX XXXX using XXXX. The funds were removed from my account, but never made it to the university. On XX/XX/XXXX, I asked Bank of America to look into it, they mailed me a copy of the check on XX/XX/XXXX. The mailing showed that I requested that the check go to the right location, address, account, as it was not the first payment made to this university, but the check was not sent there. The funds were removed from my account. The copy of the check sent to me showed that it went to an alternate payee and address. I reported the claim on XX/XX/XXXX ( Claim # XXXX ). I called in XX/XX/XXXX, to check on the status I was told I would have to wait 90 calendar days. I called again on XX/XX/XXXX, finding it hard to believe that my side wouldn't be resolved immediately - i.e. I requested the funds get paid to XXXX and they were not paid by Bank of America 's service, only to be told it takes XXXX calendar days. I then patiently waited until XX/XX/XXXX when I found out my claim had been closed out b/c the Bank of America Rep filed the report incorrectly ( New Claim # XXXX ). I would like my money returned since I did nothing wrong in this situation and need to pay my son 's tuition bill.
Consumer complaint received 2024-07-15
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-16
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. (CA)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a fraud claim on my account and then randomly they closed my account and for some reason whenever I would log in to the Bank of America app it did not allow me to make any payments to this account. I thought it had sum to do with the claim and my account being frozen or something. I have video proof of me login in to the app and attempting to make the payments and it not showing the account as an option. They ended up calling me to inform me i missed a payment and I told them exactly what happened and they didn't do anything about it. Due to this I ended up setting the account on automatic payments so It wouldn't happen again because even after I informed them of the issue they never fixed it or even attempted to, so i still couldn't make payments to the account through the bank of America mobile app. So I tell them to set up automatic payments to the account with my debit card, now later on I got a new checking 's account made and transferred the same debit card to this new checking account and i was never informed i would have to set up my automatic payments again, but somehow they didnt charge my account automatically as they should have and charged me another late payment fee. then i called and informed them again of what happen and tried to get the fee removed but i was told the system denied the request and that there was no manual override or anything they could do about it, I spoke to XXXX the escalation department XXXX and thats exactly what she told me.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There was some fraudulent activity in 2 of my accounts and they closed my accounts before even attempting to replace the card with new numbers or anything first, i was never advised on why or when they closed the accounts. I ended up finding out when i called to make a fraud claim after i noticed the charges on my account and i was told the closed my account due to the activity or something i still don't really understand the reasoning it doesn't make sense but i informed them that my identity was stolen and this activity was not authorized by me neither payments that were made or the charges. After the fraud claim was made I asked to get my accounts reopened and i was transferred to the department that closed the accounts where I told them everything that had happened and they told me the accounts couldn't be reopen at the time to wait until the fraud claim was resolved and then i could call back and get the accounts reopen. I did exactly this and call them when the claim was resolved around 3months later and then they still did not want to open the accounts and basically told me I was lying and no one ever told me that my account could get reopen when i had multiple associates tell me this and I informed them of this but they didn't want to believe and said even if it was true that its had already been past 3 months so the accounts couldn't get reopen anyways cuz its too late. This is ridiculous they should be embarrassed of how horrible they agents are and how contradicting everything they say is, always spreading misinformation and not doing their jobs right.
Consumer complaint received 2024-07-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

On XX/XX/XXXX, I, received a phone call and email from National Credit Systems Inc. alleging that I owed a debt to my previous landlord ( Jade at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ) and they had been hired to collect it. This is blatantly false, as the amount that they have stated in their " debt collection '', is the exact amount I paid my ex landlord as my final payment, to the specific cent, on XX/XX/XXXX after I had already moved. 
To give some background and context, I vacated the XXXX per month apartment because it was flea infested. I had fleas biting my legs every time I stepped into the apartment in XXXX of XXXX. Because of the untreated fleas, I vacated the property and asked for a final payment as I would be breaking the lease and never returning to the apartment. XXXX at XXXX XXXX XXXX said the final payment was {$4700.00} ; even after not treating the fleas and the other horrible living experiences endured, I paid it, as I did not want to face any credit repercussions and just wanted the entire process to be over with. 
Here we are XXXX and a half months later and I received communications from this debt collector claiming I owe the exact amount of money that I had already paid Jade at XXXX XXXX XXXX. Immediately upon receiving the communications from National Credit Systems Inc. on XX/XX/XXXX, I replied with the proof of payment, ( a copy of the Cashier 's check, dated XX/XX/XXXX ), with a signature from the property XXXX on it. I also provided a XXXX internal document that shows they received and processed the Cashier 's check. Since sending the proof of payment, the debt collector has not rescinded the purported " debt collection '' notice and now they will not take any of my phone calls.

I believe my ex landlord and this debt collector are colluding to pursue a fraudulent purported debt from me. They are unaffected by the obvious proof and apparently think they can bully me into just paying them to make them go away. 
As of XX/XX/XXXX, according to XXXX, I have a credit score of XXXX. To have a fraudulent debt go on my credit record would be absolutely devastating, considering I've already paid the amount they are claiming is allegedly owed. ( {$4700.00}, which is quite a bit of money ). I'm reaching out for help because I have left the debt collector several voicemails and an email all of which have been ignored and the fraudulent debt collection remains in place. I believe that this company is engaging in improper debt collection in the State of Florida with no intention of doing the right thing. At this point I have no choice but to seek help to protect my credit.

Please contact me as soon as possible since the time period for remedying this situation is short before this false debt gets reported to the credit scoring agencies. 
I look forward to hearing from someone who can help very soon. 

XX/XX/XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX  XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3500.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (TX)

I used the debit card service provided by Cash App to deposit into my XXXX XXXX XXXX  account without any issue. After that, when I withdrawal from XXXX  XXXX XXXX and have then sending the money to the debit card by Cash App, two transfers were declined by Cash App. They refused to inform me why they were declined and only repeatedly stated that is for my security and no additional information could be provided.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an issue with the reporting of a self-account on my credit score. The account in question is inaccurately reporting late payments, which has adversely affected my credit rating. 
Under the provisions of the Electronic Fund Transfer Act ( 15 USC 1693 et seq. ) and specifically under 15 USC 1666b, I am entitled to dispute and correct any inaccuracies in the reporting of my credit information. The self-account in question has been erroneously marked as late, despite my adherence to payment schedules and financial obligations. 

Here are the details of the accounts in question : - Name of Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Description of Issue : The account is showing late payments for XX/XX/year> I have taken the following steps to address this issue : - Contacted the creditor directly to request a correction. 
Despite these efforts, the inaccurate reporting persists, and I believe this is a violation of my rights under the aforementioned statute. This incorrect reporting has had a significant negative impact on my credit score and financial well-being. 

Therefore, I am requesting the following actions to be taken : 1. Conduct a thorough investigation into the reporting practices of. 
2. Correct the inaccurate information on my credit report to reflect the true and accurate payment history. 
3. Provide me with a written explanation of the findings and actions taken to rectify this issue.
Consumer complaint received 2024-07-16
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. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-07-16
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2024-07-16
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. (CA)

XXXX XXXX Acct # XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-07-06
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. (LA)

Consumer Name XXXX XXXX XXXX XXXX XXXX Consumer last XXXX Social Security XXXX XXXXConsumer Date of Birth XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is a result of Identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened a student loan account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX account closed XX/XX/XXXX, with a balance of {$11000.00} under account # XXXX, a student loan account opened at XXXX XXXX XXXX / XXXX on XXXX XXXX, XXXX thats now opened with a balance of {$11000.00} under account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collection, and hard inquiries appearing on my consumer credit report maintained by you were nor opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity therapy and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.