davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

On XX/XX/year>, my employer, XXXX  XXXX XXXX, transferred {$40000.00} to reimburse me for expenses. The transfer was reflected in my account on the same day. Initially, I was able to use the funds, but upon requesting a higher limit for my debit card to make a significant purchase, my branch manager informed me that they couldn't raise my limit. Shortly after, my account was frozen and placed under suspension. 

I reached out to the bank 's customer service hotline and my branch, but no one provided me with a reason for the account suspension. Despite multiple requests to speak with a manager or the department responsible for the suspension, I was redirected back to the branch without resolution. 

As of XX/XX/year>, my branch manager has not addressed the issue or provided any guidance on next steps, information regarding the wire transfer, or an estimated timeframe for the account to be unfrozen. I have not received any communication explaining why my checking account remains suspended, leaving me unable to access my funds.
Consumer complaint received 2024-02-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial (DE)

I am currently unemployed. I emailed the company on XXXX requesting to make a final payment to close my account. They would not agree to this payment. As of XXXX, I have made {$720.00} in payments for a {$800.00} loan. I requested a final payment of {$100.00} that would be made on XXXX
Consumer complaint received 2024-02-23
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: JPMORGAN CHASE & CO. (KY)

On XXXX a hard inquiry was put on my credit from JPMCB ( chase bank ) when I called the bank they said that they could not find an application under my social security number. They then told me to contact XXXX  and they would have to remove it. XXXX sent me here to make a report with you all
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX. Deposited a cashiers check A hold was put on. 
XXXX XXXX. Spoke to credit union manager she spoke to Chase funds to be released XXXX XXXX Funds not released XXXX XXXX continued to call chase no funds XXXX XXXX credit union verified check was paid XX/XX/XXXX????? 
No one at Chase could tell me where my money was????? 
Ive been with Chase XXXX NEVER have I been XXXX  around like this.it only takes XXXX bad time to make someone rethink their banking needs.they continuously said I was being recorded bring out those tapes!!!!
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

THESE INQUIRIES ARE A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice, then that CONSTITUTES AG
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLIANT CREDIT UNION (DE)

Complaint Regarding Alliant Credit Union 's Refusal to Comply with Opt-Out Request Dear Sir/Madam, I am writing to file a formal complaint against Alliant Credit Union regarding their failure to comply with my written request to opt out of certain information sharing practices, as per my rights under 15 USC 6802. I submitted my written request to opt out to Alliant Credit Union on XX/XX/2024, which is well beyond the requisite 30-day notice period stipulated by the law. 

Despite having provided ample time and adhering to the statutory requirements, Alliant Credit Union has blatantly refused to honor my request. Their refusal to comply with the legal mandate outlined in 15 USC 6802 not only infringes upon my privacy rights but also demonstrates a clear violation of federal law. 

I have made diligent efforts to resolve this matter directly with Alliant Credit Union, including multiple attempts to communicate my concerns through various channels. However, their persistent refusal to acknowledge my rights and adhere to federal regulations necessitates the intervention of an authoritative body such as the Consumer Financial Protection Bureau. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement action against Alliant Credit Union for their non-compliance with 15 USC 6802. Additionally, I seek your assistance in ensuring that Alliant Credit Union promptly adheres to my opt-out request and ceases any further unauthorized sharing of my nonpublic personal information. 

Enclosed with this complaint, please find copies of all relevant correspondence, including my original opt-out request to Alliant Credit Union XXXX 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will undertake a comprehensive investigation and enforce the necessary actions to rectify this egregious violation of consumer rights. 


Enclosures : 1. Copy of original opt-out request
Consumer complaint received 2024-04-13
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. (TN)

I am writing to dispute and request verification of a late payment entry on my credit report related to my account with XXXX XXXX. Upon reviewing my credit report, I discovered this inaccurate information, and I am deeply concerned about its impact on my creditworthiness.This information is a late payment being reported on my credit report for the months of XX/XX/year> Firstly, I request detailed verification of how this late payment was verified, as mandated by the Fair Credit Reporting Act ( FCRA ). Pursuant to FCRA 611 ( a ) ( 7 ), I demand that you provide me with the method used to verify the late payment, the entity that provided the information, the date of verification, and any supporting documentation or evidence used to justify its accuracy. 

Furthermore, I assert that any information added to my credit report without my written consent violates my rights under the FCRA. FCRA 604 requires that consumer reporting agencies obtain permission before reporting any information about an individual 's creditworthiness. As such, the addition of this late payment without my explicit consent constitutes a violation of my rights. 

Moreover, I want to highlight the illegality of reporting late payments without proper verification and validation. FCRA 607 requires that information reported by credit bureaus be accurate and complete. Additionally, FCRA 623 ( a ) ( 1 ) ( C ) mandates that information furnishers, such as XXXX XXXX, have a duty to provide accurate and complete information to credit reporting agencies. Therefore, any failure to verify the accuracy of late payments before reporting them is a violation of these provisions. 

Furthermore, I want to draw your attention to the potential violations of the Fair Debt Collection Practices Act ( FDCPA ). If this late payment was a result of debt collection efforts, it must comply with the FDCPA, which prohibits unfair, deceptive, and abusive debt collection practices. 

In light of the above violations of federal laws and regulations, I demand that you conduct a thorough investigation into this matter and provide me with a written explanation of the verification process used for the late payment on my account with XXXX XXXX. 

Failure to comply with the FCRA and other relevant laws and regulations, and address my concerns promptly, may result in further legal action. 

Thank you for your attention to this matter. I expect a prompt and thorough response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-23
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. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX Citi Reference Number : XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am hereby opting out of any and all authorization, whether written, unwritten, verbal, or nonverbal, as per 15 USC 6802. Attached is the card agreement as reference, indicating my revocation of authorization to share my personally identifiable information with any non-affiliated third parties, including consumer reporting agencies.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have carefully drafted a letter after reading about fixing my credit on my own.

I have wrong names and addresses and previous employers that are wrong and mutiple accounts that are labled as charge off with balances still owed and that is illegal to report that along with the fact I never recieved a 1099 for these items and some other accounts I was not late on and don't belong to me.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX and XXXX Dispute : According to Cushman v Transunion 1997, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT CFPB Writeup : 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.

Account name : Capital One, Account name : WELLS FARGO Account name : XXXX XXXX XXXX Account name : 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 mandates 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.

15 U.S.C 1666b There is no such thing as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of RICO.

15 U.S.C 1602g We the people are the credit XXXX and several others have completely lied on official documents saying that they investigated when I have proof they did no such thing. Since they continue to lie I always contacted the to do IRS 3949 form to have them all audited due to this matter and filed a complaint with the United States Courts of federal claims.
Consumer complaint received 2024-04-14
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. (DE)

The following information does not belong on my account and should be deleted from my account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (NY)

I am writing to file a formal complaint against Fay Servicing regarding the handling of my mortgage account. As a property owner with a mortgage, I expect a certain level of communication and transparency from my mortgage provider. However, my recent experience with Fay Servicing has been deeply unsatisfactory. 

I recently discovered that my property is in default, and I never received any advance notice from them. This lack of communication and transparency regarding my account 's status is completely unacceptable, especially considering the significant impact it has on my financial well-being. 

Furthermore, the amount of these fees is excessive and unreasonable. As a property owner, I have a right to know what I am being charged for and why. I feel that Fay Servicing has failed to provide me with this information and has instead chosen to charge me exorbitant fees without justification or advanced prior notice.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One closed the principals account without legal agreement in writing nor verbal agreement. Principal revoked said companies ' power of attorney to make any decisions on principals account without consent. A billing dispute was sent to the company along with instruction, and lawful tender of payment through registered mail number XXXX. The closure of the account is considered adverse action per 15 USC 1691. The coupon attached to the " statement '' is a receivable that has been credited on said account. Capital One is in violation of their sec filings via their 10k,8k, and prospectus filing. On XX/XX/2024, an application/ security was rendered to Capital One, and the application was returned was returned as denied. Per the bill of exchange act of 1882, value was given through the application on file. Credit card receivables, including generated credit card applications are securitized and are then turned into assets which in return are financial instruments such as notes or securities backed by the cash flow from the underlying credit card receivables. This transaction allows this company to create tradable instruments for their investors. The principal on this is in fact treated as an investor. The company " Capital One '' understands clearly per their words in their sec filings ( prospectus ) that the only way to pay a " Bill '' lawfully is through interest. They have chosen to ignore these facts and continue to disregard said filings that are heavily regulated and federally protected. They are in plain English are COMMITTING SECURITY FRAUD per 12 CFR 1026.12 and 12 CFR 1026.13 ( D ) with the intent to invade tax liability while using CAPITAL ONE XXXX XXXX as a special purpose vehicle to transfer their liability. These actions are completely unacceptable, fraudulent, and willful non-compliant to laws and regulations that govern the company and are supposed to protect consumer rights.
Consumer complaint received 2024-04-14
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. (WI)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-04-14
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

After viewing my credit report for XXXX credit card, XXXX, there was a LATE PAYMENT which reports. 
LATE PAYMENTS are illegal to be reported per 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.

I do not receive statements 21 days before due date.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I was never given an option to OPT OUT. 
I hereby revoke XXXX XXXX XXXXXXXX XXXX from reporting information for the account mentioned to all credit reporting agencies. Again, XXXX XXXX XXXXXXXX XXXX  and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked for XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

lvnv funding llc, has filed a n state court without sending me any notification. i never received a notice of assignment. I contacted this company after i received the civil action advising that debt validation and proof that the account was purchased from the original creditor was never received. i never received any notification that this was going to court or going to be reported on my personal credit files according to FCRA consumers must be notified and I was not notified.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kashable LLC (MO)

I recently checked my credit profile and realized there are some accounts that I am unfamiliar with and alot of accounts that are reporting incorrect information. I have never gave written consent or permission to report to my credit profile and I have contacted the credit companies and the credit bureaus to seek the documentation that shows I gave them permission to report to my consumer profile. By law that is Aggravated Identity Theft 18 U.S. Code 1028A These companies are also reporting inaccurate information across all XXXX bureaus. Dates opened, dates closed, and other things are not the same dates or numbers across all three credit bureaus.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I went to a car dealership and applied for a car. I was told my credit was only being pulled by one dealership. However, there are 13 inquiries I do not recognize and I did not give permission to any of these companies to pull my consumer report. There are also credit card inquiries I do not recognize because I never applied to any of the companies listed below. According to the Fair Credit Reporting Act, hard inquiries that were pulled without my request MUST be removed from my consumer report. Please have these unauthorized inquiries removed immediately, as it is harming my ability to obtain new credit. I would appreciate a copy of my consumer report once this issue is resolved. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (TX)

I was charged for extra rent that was not on the Contract. By the time I left I was suppose to have about {$800.00} to pay but they charged me for a key that I returned to the property. I did not leave with the key. A lot of unexplained added rents bills that were added to it even after I moved out and the eviction notice. They decided to charge me when I wasnt living in the property and it did not match up with the eviction notice. I was young and unknowingly being charged things that werent in the contract. The adult just took an advantage and didnt even get the dates when I left the property right. I disputed this a while ago with one of the credit companies and M A R S INC keeps sending me receipts with no proof or explanation of anything that happened to me. Just a giant receipt.
Consumer complaint received 2024-02-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I'm trying to buy a house and noticed that there are damages on my report. According to the 15 U.S.C 1681 law there should not be any damages on my report which is a defamation to my character
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P. (CA)

I am a verified victim of Identity theft and XXXX, XXXX, and XXXX data breaches. I am writing to you because you are reporting inaccuracies and I have been notified of a breach. I am promised accuracy in my credit `report based on federal law I am making this call as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and validate it so I request that you remove it now. I have my police reports and all necessary documents.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

The company improperly ran my credit score when I already had an account and did this without my permission. I paid the balance off over a month ago and closed the account. The company is still sending me account statements and won't stop. I told them to close my account.