davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (IL)

On XX/XX/20 I received a notification from my XXXX XXXX account that a collection was added to my XXXX file. The collection agency is ALDOUS AND ASSOCIATES. The original creditor was XXXX XXXX XXXX. 

I have been a member of XXXX XXXX since they first opened their facility in XXXX XXXX XXXX over two years ago. I have an auto-payment set up so my account is charged and pays the XXXX XXXX monthly fee. I have never missed a payment. I have been using the gym consistently by scanning my membership ID every single time I enter the facility, and have had no issues with my membership not allowing me access to the gym. 

I have received zero communications from XXXX XXXX that my account is overdue ; no emails, no letters, no texts. I have received zero communications from Aldous and Associates that my account was sent to them for collections until I got the notification that my XXXX file was impacted. 

My credit score has now dropped XXXX points over this XXXX claim that I owe money to the gym, and has serious impact on me now that I am in the process of trying to buy a home. 

Please advise on next steps, and let me know if you require any additional documentation ( not that I have any to share as neither company has reached out regarding any overdue balances ). 

Thank you.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FISERV INC. (NY)

Dear Sir/Madam, I am writing to formally lodge a complaint against Clover, a merchant service provider, concerning the unjust freezing of our funds and the abrupt closure of our merchant account. 

We began our business, XXXX XXXX XXXX, on XX/XX/year>, offering IT consultancy services along with web development, software development, and web applications. We opened a business account with XXXX, through which we requested a Clover merchant account. All contracts were signed with XXXX, and they facilitated our Clover merchant account. 

After launching our business, we started processing payments through our Clover account ( XXXX : XXXX ). However, just one week later, we were contacted by Clovers Risk Management Department, which requested detailed information about our business and a few transaction verifications. We provided all the requested details and cooperated fully.

To our shock, only two weeks after starting our business, Clover abruptly stopped transferring daily settlements to our XXXX account without providing any reason or notification. Despite our repeated attempts to contact Clover via phone and email, we were eventually informed that our account had been closed by their Risk Management Department. They provided no specific reason for this closure, and they also froze {$18000.00} of our funds.

This situation has caused immense stress and financial hardship for us, as we were a new business operating on a tight budget. We had to halt our business operations, leaving us unable to pay our team members and other necessary expenses. Our business plan was completely disrupted, and we faced significant losses. 

Despite numerous attempts to resolve this matter with Clover, they have consistently refused to provide any further information or release the held funds. They initially promised to release the funds after 90 days, but after the period ended on XX/XX/year>, they informed us that the funds would remain held indefinitely without providing any reason. 

We also reached out to XXXX, with whom we signed the original contract and who provided the Clover merchant account services. However, XXXX directed us back to Clover, claiming they had no control over the funds. 

It has now been over eight months, and Clover has still not released our funds. This situation has caused severe financial damage to our small business, leading to its closure. We are under tremendous mental stress due to this unjust action, and we are urgently requesting your intervention to recover the {$18000.00} that Clover is holding.

I kindly ask the Consumer Financial Protection Bureau to investigate this matter and take the necessary action to ensure the release of our funds. We have already suffered significant losses, and the continued withholding of our funds is causing further distress. 

Thank you for your attention to this matter. We hope for a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Unauthorized XXXX XXXXXXXX XXXXk Transunion inquiry on XXXX Victim of unauthorized identity theft furnishing 3rd party non public non account.

Transactions and Experiences are excluded from Consumer Files
Consumer complaint received 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Upstart Holdings, Inc. (NY)

I am not liable for this debt with Upstart Network Inc. I do not have a contract with XXXX XXXX XXXX XXXX. Under 15 usc 1692c- XXXX XXXX XXXX XXXX as the consumer can refuse to pay a debt collection. 15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it and yours thats on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hindered my ability to obtain credit. Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.
Consumer complaint received 2024-08-20
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: Consumer Portfolio Services, Inc. (NC)

My credit was ran at the locations listed below unbeknownst to me numerous of times ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MN)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I paid Capitol One Credit card on XX/XX/2024 from my Capital One checking Account. The Checking Account software showed that the payment would be made on XX/XX/2024. 
I paid the whole amount owed. 
The payment was due on Sunday XX/XX/2024. 
The payment posted on Monday XX/XX/2024. Since XX/XX/XXXX was a Sunday the payment was not processed until the following business day, XX/XX/XXXX. 
I initially recieved a late fee charge of {$40.00} from Capital One. They waived the fee after I called them and pointed out that the payment was on time. 
On XX/XX/XXXXXXXX XXXX XXXX, I recieved notice that Capital One had charge me {$95.00} as interest for a late credit card payment. 
I called Capital One and was told that the payment was late so, I was charged. I explained to them that I was on-time and should not be charged interest. 
I told them that based on the US Federal Reserve Bank 's rules : " If your payment due date is on a weekend or holiday ( when the company does not process payments ), you will have until the following business day to pay. ( For example, if the due date is Sunday the XXXX, your payment will be on time if it is received by Monday the XXXX before XXXX p.m. ). '' I want my funds returned to me.
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (MI)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to file a formal complaint against Capital One Financial Corporation for what I believe to be unfair and deceptive business practices. I have been a loyal Capital One customer since XXXX and recently experienced a series of events that I feel constitute malicious practices and fraud. 

Timeline of Events 1. XX/XX/XXXX and XX/XX/XXXX I applied for a Capital One business credit card. 
2. XX/XX/XXXX My application was approved after I provided extensive personal and business information. 
3.XX/XX/XXXXXXXX Within days of approval, my account was unexpectedly restricted. 
4. XX/XX/XXXX through XX/XX/XXXX : I went through a lengthy process to provide additional information to have my account unrestricted. 
5. XX/XX/XXXX : Despite my efforts, Capital One decided to close my account, including my long-standing personal accounts dating back to XXXX. 

I believe Capital One has engaged in deceptive practices for the following reasons : XXXX. They approved my business credit card application after thorough vetting, only to restrict it almost immediately without clear cause.

2. They requested additional personal information, which I provided in good faith, yet still closed my accounts.

3. They have not provided a satisfactory explanation for their actions, leaving me to believe I have been unfairly targeted.

4. The closure of my long-standing personal accounts along with the new business account seems punitive and unjustified.

As a result of these actions, I have suffered inconvenience, stress, and potential damage to my credit standing. I feel that I have become a victim of malicious practices by a financial institution I trusted. 

I request that your office investigate this matter and take appropriate action to ensure that Capital One adheres to fair business practices and treats its customers with respect and transparency. 

Thank you for your attention to this matter. I look forward to your response and am willing to provide any additional information you may require. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VA)

I opened a College Checking account with Chase Bank XX/XX/year>. I deposited a check I received from my landlord which was a security deposit for {$9200.00} on XX/XX/year>. Chase froze my accounts and told me to verify check with a phone number. Contacted the check issuer and tried to verify the check with Chase but they were unable. They closed my bank account sending the remain bank balance minus the check on XX/XX/year>. They cashed the security deposit check for {$9200.00} and have refused to give the check back to me or the issuer.
Consumer complaint received 2023-03-15
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$2500.00} ; XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance {$25000.00} ; XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance {$9400.00}.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (TX)

I purchased and financed my car with JP Morgan Chase in XXXX. I missed several payments and Chase placed the account in a negative status. I recently paid off the remaining balance. Chase updated this account to the credit reporting agencies. I later contacted JP Morgan Chase and informed them that the Statute of Limitations had expired and requested that they delete this account from all credit reporting agencies. XXXX deleted this account but XXXX and XXXX did not. In fact, XXXX told me to contact CFPB to resolve this issue in a speedy manner, since I need to resolve this matter. I would appreciate your efforts and actions on my behalf. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received and email on XX/XX/year> notifying me that my Kohls store credit card will be changed to a XXXX credit card issued by Capital One. I didn't authorize the company to issue me a XXXX credit card. I would rather cancel the store credit card accounting. Instructions on the website show I have to wait until the card is issued on XX/XX/XXXX before I can cancel it and request another store credit card.
Consumer complaint received 2024-04-29
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. (IN)

To Whom It May Concern, I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATE ON THIS ACCOUNT : XXXX XXXX XXXX  : XXXX XXXX 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 XXXXXXXX I was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced acount and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-06-21
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. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NC)

An account was sold from one back to another. 

The original on-line payment method was no longer accepted by the new bank. The new bank did not contact us regarding the change or provide information as to how to pay balances. We did not receive a monthly statements from the bank regarding the new account. 

After a couple months, we were alerted of suspicious activity by a credit monitoring company. 

We made multiple attempts to resolve the issue at local bank branches. We were told the account did not exist. 

On XX/XX/XXXX, I located the account and called the bank. I was again told the account can not be located by the bank representative. After some conversation, the representative located the account.

The history on the account only reflected late fees and interest. The bank could not locate a charge associated with the interest and late fee. I asked for all late fees and interest be removed that accrued after the last payment.

The bank removed two late payments, and said they would send a notification of error to the credit score companies. 

I was called on XX/XX/XXXX and was told executive office had opened an investigation and I would be called back when the investigation had been concluded. 

On XX/XX/XXXX, I called the bank because I had not heard anything from the bank. After an hour on the phone, and speaking to five different representatives. I was told the the investigation was completed. The result of the bank investigation was mailed to me on XX/XX/XXXX. The person who conducted the investigations was in the office but was not prepared to discuss the findings. 

I was told the summary of the investigation did not address why the the local bank branches were unable to locate the account, nor why the bank had no records of successfully contacting us regarding the bank purchasing the account. 

In summery, a bank purchased a credit card account from another bank. They claimed to have sent a letter, but we never received the letter. The bank stopped accepting on-line payment for the account. We discovered the problem with help from a third party. The bank could not locate the account on our attempts to pay the debt. When the bank finally located the account, their response was to only provide the day this bank purchased the account and when they mailed a letter. 

It is my opinion this bank is collecting late fees of {$40.00} a month, by blocking the customers ability to continue their on-line payments. This bank is asking for over {$200.00} from us, because they failed to contact me, by mail or phone, and they denied our requests to pay the balance at a bank branch. I believe the bank 's actions are intentional. If they did this to half of the customers who had accounts purchased from the first bank, the new bank is making XXXX XXXX XXXX in late fees alone.