davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OR)

Attached is a notarized affidavit of facts regarding the credit reporting of XXXX XXXX XXXX, and the instructions for opting out of reporting... The following companies ( XXXX, XXXX, XXXX, Lexis Nexis, XXXX XXXX, XXXX, XXXX XXXX XXXX ) have violated the right to opt out by failing to provide a REASONABLE OPPORTUNITY TO OPT OUT pursuant to cfpb code 1022.21. The following companies ( XXXX, XXXX, XXXX, Lexis Nexis, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX are in violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) due to the unauthorized collection, maintenance, use or dissemination of personal records contained in a system of records. The following companies ( XXXX, XXXX, XXXX, Lexis Nexis, XXXX XXXX, XXXXXXXX XXXX XXXX ) are on official notice of a conditional opt out persuant to 1022.21 and 15 U.S. Code 1681b ( 2 ). The following companies ( XXXX, XXXX, XXXX, Lexis Nexis, XXXX XXXX, XXXX, XXXX XXXX XXXX ) have 14 days from receipt of this affidavit to respond.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

I switched to credit karma money account from XXXX XXXX XXXXXXXX, a week later it was posted that my account has been frozen for my safety, I called and ask what was going on with my account they told me it wasnt a reason why but alert showed but they didnt know what it was, they asked for information and I sent them to it, they ask for the bank statement but I closed my account soon as I received my military XXXX XXXX XXXX XXXX and it was closed and I called XXXX XXXX  XXXX and it was nothing I could do, so my account is froze with still proving information that they still wanted. I just a want my account unlocked so I can use it
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. 

XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX Balance Owed : {$40.00} XXXX XXXXXXXX XXXX Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance XXXX XXXX {$420.00}
Consumer complaint received 2024-07-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

I called on Monday, XX/XX/XXXX to find a resolve to Be able to place my card in open status. I was told once I made the full payment Owed on the card, I would have access to the card by Friday. By Tuesday, XX/XX/XXXX XXXX beauty collected XXXX . I called The recovery team who told me to contact them for my billing receipts. They told me it would be about XXXX hours before I receive them. And then called customer care for XXXX Who had conflicting information about my account that I was not aware of during the payment process. Essentially stating due to lack of prior payments, I am no longer eligible to reopen my card after making that payment. I asked XXXX to send back funds, they claimed they can only send me some back and not the full amount. I continued to try to explain to them I sent a full amount and thats what I want sent back, since their recovery team misinformed me of where my money was going and simply lying about my card being able to be placed back in active status.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2024 a fraudulent check was presented to Chase Bank for payment against my checking account. 
On XX/XX/2024, to its credit, Chase bank sent me a fraud alert and asked if I had issued the check. I replied " No. '' I received a reply that said, " Thank you. We will not pay this check You don't need to do anything else. 
I visited the local branch office and was also assured by the service rep. that the check had been caught in time. I checked the account daily but saw no reversal of the charge to my account. On XX/XX/XXXX or XX/XX/XXXX I returned to the bank and was told the check, contrary to my instructions, had been paid and that I would now have to go into to claim to recover the lost funds. It was my understanding that the service rep. filed the claim and that the funds would be restored within 3 to 5 business days. It is now well beyond the five days and my account is still short the amount of the check.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (FL)

I am not liable for this debit of {$830.00} with XXXX XXXX Account number XXXX. I do not have a contract with XXXX XXXX. 

I am not liable for this debit of {$4200.00} with PRO Collect, I do not have a contract with PRO COLLECT. 


I am writing to dispute the accuracy of information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ) Section 1681. I have recently reviewed my credit report and noticed several errors that need to be corrected on all credit companies ( XXXX, XXXX, XXXX ). 

The following inaccuracies have been identified on my credit report : 1. Incorrect Account Information : There are several accounts listed on my credit report that do not belong to me. I have never opened or used these accounts and would like them to be removed from my credit report.

2. Outdated Information : Some of the information on my credit report is outdated and no longer reflects my current financial situation. This includes accounts that have been closed or paid off but are still listed as active on my credit report.

3. Duplicate Entries : I have noticed that some accounts are listed multiple times on my credit report, resulting in an inaccurate representation of my credit history.

I request that you investigate these errors and make the necessary corrections to ensure that my credit report is accurate and up-to-date. Please provide me with a written response detailing the actions taken to resolve these disputes within the required timeframe as outlined in USC 1681.

I appreciate your prompt attention to this matter and look forward to receiving a response from you soon. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-10
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. (CA)

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXXXXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this 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. 
15 USC 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 7 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 2024-07-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (IN)

On XX/XX/XXXX I received notice that my payment was past due via email. My payment was made and showed as posted. I contacted upgrade support and they advised that they made an error and would correct the payment application and the credit reporting because my account showed 120 days past due however they confirmed I made payments as agreed each month and should not have been reported delinquent at all. I asked for confirmation when complete. On XX/XX/XXXX I received another notice my account was past due and I reached out to upgrade. They advised I could disregard, my account would be updated by XX/XX/XXXX. It's now XXXX and my account is still showing past due, the last payment has not been applied correctly and I do not have confirmation my credit has been corrected.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

In the beginning of XX/XX/year> I requested a list card replacement that never arrived. After waiting several weeks, I tried to order another replacement. When Citi bot attempted to order another replacement, it encountered technical difficulties and displayed instructions to call customer service. It was in the end of XXXX. 
I contacted Citi customer service on XX/XX/XXXX to close the card, since dealing with their technology seems useless. Unfortunately, they keep giving me runs around telling to call back because of technical difficulties. 
It looks like Citis technology is not adequate to handle their business volume making me concern about my information there and about the amount of time a consumer needs to spend to service or close their account.
Consumer complaint received 2024-05-22
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-07-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

First of all debt was sold by an apartment place to someone in XXXX Texas called ProCollect which legally should not be allowed for me to have to pay it cause they arent even in the same state I am in XXXX Florida. Second what happened was my mom and I rented from a place that was moldy and had water leakage and a lot of problems she had some terrible lawyers tell her not to pay the rent until they fixed the problems. Well that lead us into debt that we eventually paid to the courthouse. Now they have said that there is still a debt and that its mine and even if there is a debt that is still owed it is in fact not mine it would be my moms responsibility. This happened in 2023 for only a few months and I need the debt gone or at least transferred to her. Oh and theyve called me a XXXX times which I dont appreciate.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (SC)

AMEX continues to charge interest on a closed account. This is the 2nd request to CFPB. I received a refund for the amount of interest being requested ; however, it is showing up once again on my monthly statement with a due date.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

They applied my payment to the wrong card and now are sending me past due notices. 

This is totally inappropriate. 

This payment for {$2500.00} should have been applied to XXXX but instead they applied it to XXXX I assume this is damaging my credit and putting my account in default and causing inappropriate and unjustified fees. 

The due date was XX/XX/XXXX, I paid on XX/XX/XXXX, they credited the payment to the wrong card on XX/XX/XXXX.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently ensured that payments on this account are timely and not overdue. I'm confused about the reported late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be addressed.
Consumer complaint received 2024-07-10
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. (ID)

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 2024-05-22
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. (WI)

XXXX XXXX XXXX has been reporting incorrect information for months on my to my credit file which lead to on on going Disputes using XXXX since XXXX XXXX 2024 .I 'm unable to access 's my credit report-in account, in a Depute letter. credit reporting companies requested additional. Information to help my claim on file XXXX l received a letter from these XXXX XXXX apologized for incconvenience they caused
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (IL)

I received a letter from the law firm of XXXX XXXX XXXX on XXXX XXXXXX/XX/XXXX. The letter states they would like to assist me with a lawsuit that was brought against me. I called their office and they advised me that Blitt and Gaines filed a lawsuit on XX/XX/XXXX on behalf of XXXX XXXX for approximately {$7400.00}. I have not received any prior notice from Blitt and Gaines regarding this matter ( no phone calls or mail correspondence ). I went thru my XXXX app going back to XX/XX/XXXX and there is no mail from Blitt and Gaines. This app shows me each piece of mail that was delivered to me. Since when are lawsuits filed without sending out any notifications and allowing me to respond accordingly? I am also a victim of identity theft so I need to know what this is about.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tower Loan of Mississippi, Inc. (LA)

This company I had been with for years has went into my account and checked my information and denied me for credit. They call me all the time once I got them caught up from loosing a job in XXXXI don't want this company checking anything on me, my account is supposed to be froze and they still got into after the fact I said no.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I received a letter from Citizens bank on XX/XX/year> stating that my account was to be closed on XX/XX/year>. Even though the letter was dated for XX/XX/year>. So on XX/XX/year> I called in and spoke with with not only a representative but supervisor who told me that had no information of why this happen but that my account was frozen. And that I can go into the actual bank on XX/XX/year> and should be able to take my money out and then officially close my account to basically cut all ties with the bank. So I go into the Citizens Bank in XXXX XXXX, Ct on XX/XX/year> to speak with someone to figure what exactly is going on and how I can just remove all my money and never look back. They took they time procrastinating on communicating with the fraud department. Never made not one phone call to speak with anyone. Then said there was nothing they could do but the could close my checking. And I would have to wait for a check to be mailed out. So I ask is there a way for me to contact the fraud department myself and was told call the number on the back of my debit card that the deactivated without my knowledge. And when ask if there was anymore information she could tell me she said this is not the first time this has happen and that the company does tell them anything. Yet the letter told me to pass all my questions and concerns to that branch. So I proceed to call the number that I was instructed to call to speak with a representative, supervisor or at least someone who can help. I get to a rep who leaves me on hold for about 15mins just to say she had no information since they don't tell them anything and I was going to have to wait for check. It started to become a trend that was what they are told to say in situations like this. So I asked to speak to a supervisor named XXXX who acted as if he was the only supervisor for the company. When I ask about information of why this was happening once again nobody tells them anything. Then he told me that the bank can close or freeze anyone 's account at anytime without notice. So when I asked to be transferred to the fraud the department he told that the fraud department was some back office department that does not speak to customers. That was the first time I ever heard of that. I told him that I was told I could speak to fraud from the women I spoke to in the bank and he said that she lied. And he couldn't transfer. So I ask is there another supervisor I speak with and he said no just him. So I asked for possibly speaking to a representative again and he said no. And basically brushed me off. The said part is I deposited my lawsuit from a car accident and was in therapy for over 6mths and still getting back to normal to this day. And that money was taking care of bills and my family. What right do they have to do this.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX, Wellsfargo closed my account after they said I was overdrawn. I was expecting my IRS tax refund. I found out my account was closed after tried to get money from my account. I called spoke to representative they said they closed and any check would be sent back. Time passed XXXX happened. XXXX I went to Well Fargo first they said they had no record of my account then they said they never received the direct deposit from IRS to call them and find out. I called IRS and they sent me a letter showing my money was sent to my account the day before they closed had closed my bank account. I went back to Wellsfargo again they said it never got there. So I show them the letter from IRS and now they back peddle and tell me they have to investigate so I sat there for about XXXX hours when they finally come back to me and tell me that after looking at the account they hadn't closed my account until XX/XX/XXXX and the money did come in and was spent and I overdrew my account {$630.00}. I said how can you tell me no I never got the money and that the account was closed in XX/XX/XXXX and then change it to this new date. I asked for bank statements showing where the money was spent and when the money came in because if it was like the IRS had said my account should have never been closed. They wouldn't answer that question or show me a atatement.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

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. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.