davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

My father ( an XXXX XXXX  ) and I opened an account with US Bank, my father chose to leave it opened for many years without activity. This week we got an statement saying that the account was closed and the founds we had there were gone. We opened the account under a XXXX XXXX Checking that was offered to him as no fees for any reason. Furthermore, on XX/XX/2017 we received a letter saying that we needed to sign and mail a " Account Acknowledgment '' to prevent the account from accruing {$5.00} per month dormancy fee, I personally completed and sent the form ; at that time the account had a balance of {$91.00}. 
In the letter received this week money is all gone and account is closed. US Bank has had our current address and phone number at all time. Called customer service and a XXXX said there is nothing US Bank can do about this at this point. 
My father and I are very much alive and we want our money back.
Consumer complaint received 2024-04-12
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. (GA)

XX/XX/2024 I requested validation of the alleged debt that were reported to my credit report. Both the creditor and Credit reporting agency has failed to provide me with proper validation of the alleged debt. The credit reporting agency has yet to remove the alleged debt from my credit report. I have sent two letters prior to this one to have the alleged debt deleted from my credit report. According to the FCRA, credit reporting agencies are required to ensure the MAXIMUM accuracy and integrity of the information they report. In this case, the inclusion of the fraudulent account on my credit report is a clear violation of 15 USC 1681E ( B ) The presence of the fraudulent accounts are severely impacting my ability to obtain credit
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I have been a victim of identity theft and I filed the FTC report and correct paperwork and sent them to the credit agencies. They were not attached to the disputes I filed and I still have not received copies of the verification process. I contact them all the time and they still dont file the correct dispute and the correct paperwork
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A. (IL)

I disputed three charges with Citibank. They are internally given the following codes : XXXX XXXX XXXX After entering the XXXX on XX/XX/, I noticed that my access to parking was regularly blocked by other tenants in other units on the property. These regular blockages were due to the fact that the merchant overpromises the single-lane parking spots to all three units on her property, even though the units are short-term rentals, and hence the tenants have no way of communicating with one another, as they change several times a week. 

I contacted the merchant and notified the merchant that I was not being provided what had been advertised. The merchant admitted repeatedly that the blockages were real and that I was not being given what was advertised. The merchant repeatedly acknowledged that I am due a refund. I was regularly unable to leave for work on time, or leave for work at all, or go anywhere with my car, as strangers with unknown vehicles appeared several times a week and blocked my exit. 

Now it is up to Citicard to do as the merchant says it should : refund me all three charges.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent you a letter last XX/XX/ 2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2024-07-20
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: Conn's, Inc. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VT)

On XXXX XXXX XXXX XXXX XXXX XXXX I was sent an email from Paypal that my account was logged into a device named Desktop XXXX XXXX I do not recognize this device and was not the person that logged into the device. XXXX minutes later at XXXX XXXX I was sent another email that a transaction of XXXX XXXX XXXX XXXX XXXX ) was sent from my Paypal Account XXXX It was sent to an account with a name that I did not recognize. This was not a transaction that I performed. XXXX minute later at XXXX XXXX  Paypal XXXX another email about unusual activity to my account. I have not used my Paypal account in years and did not see these emails in my inbox till Tuesday, XX/XX/XXXX. I made a dispute for the transaction with Paypal that day at XXXX XXXX. On Tuesday XX/XX/XXXX at XXXX, I was notified that the case had been closed and they had determined " there was no unauthorized use. '' I find this difficult to accept because Paypal itself notified me of the unusual activity.
Consumer complaint received 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

XXXX is not only fraudulently charging me for a cellular phone account that I have no contract with them about nor did I receive any phone devices from them. They have passed my personal information to a third party company Jefferson capital violating my privacy. I did not give them consent or permissible purposes to do so. I have no contract bearing my ink signed signature with neither company. Now they are hindering my credit score with this fraudulent information. Jefferson Capital I will file a law suit against for having my personal private information without my consent or permissible purpose
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I am writing in regards to a wrongful debt allocation by XXXX XXXX XXXX XXXX to the tune of {$4300.00}, as I have no knowledge or records of the debt in question. 

As we a few hard inquiries from XXXX and XXXX XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital System a third-party debt collector, for apparent violations of federal regulations. Pursuant to 12 CFR 1022.3 ( H ), Identity theft means a fraud committed or attempted using the identifying information of another person without authority. It appears that Jefferson Capital System has used my identifying information without proper authorization or consent. 15 U.S. Code 1681C-2a, requires a consumer reporting agency to block the reporting of any information in the file of a consumer identified as resulting from alleged identity theft within four business days of receipt. So additionally, I am requesting the removal of inaccurate information by XXXX. Jefferson Capital System has violated 15 U.S. Code 1692 ( G ) ( A ) by failing to send a notice of debt within five days of the initial communication. I have not received any communication or written notices from Jefferson Capital System. I assert that Jefferson Capital System is civilly liable under 15 U.S. Code 1681 ( N ) for the damages resulting from their failure to comply with the law. I am a federally protected consumer seeking a prompt and thorough investigation into these matters. Jefferson Capital Systems actions have caused me significant distress and potential harm to my financial well-being. I am prepared to litigate if a resolution is not reached. Enclosed with this letter, please find copies of relevant documentation supporting my complaint, including an FTC identify theft report, proof of identification, and proof of address. Thank you for your attention to this matter. I look forward to a timely resolution and appreciate your assistance in ensuring that Jefferson Capital System complies with all applicable laws and regulations. Sincerely, XXXX XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Demand for Corrective Action, Pay for Deletion, Removal of Unauthorized Inquiries, and Release from Special Department Dear Consumer Financial Protection Bureau, I, XXXX XXXX, urgently seek your intervention to address multiple concerns regarding my credit report held by XXXX XXXX XXXX. Firstly, I demand the immediate correction of a collection that I legally do not owe. The payment for this collection was coerced, and it must be reflected as resolved with a pay for deletion arrangement. Secondly, I request the swift removal of unauthorized inquiries made by JP Morgan Chase Bank and XXXX XXXX from my credit report. 

Moreover, I kindly request the release of my file from XXXX 's special department, as it is hindering my ability to address these issues effectively. 

Your prompt action in resolving these matters and ensuring that XXXX takes corrective measures is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX XXXX XXXX XXXX XXXX as XXXX  and XXXX XXXX XXXX XXXX XXXX is committing attempting to steal my property. 

My name is XXXX XXXX. Im am trying to help media exposure and help with obtaining a civil right attorney.

Im being harassed by a foreign entity. The City of XXXX Court of Common Pleas and the Recorder of Deeds is corrupt with illegal and fraudulent deeds, assignments, notes. The Court has fraudulent paperwork causing severe harm and illegal paperwork in the court of law to sue without proof of claim. Police report was filed with the Police Police Department almost a year ago without any investigation being completed. Im a victim being attacked in the Commonwealth of Pennsylvania and NO government is completing due process on my behalf. I AM A VICTIM WITH NO PROTECTION! The Court and Police system is CORRUPTED and under ATTACK BY ILLEGAL PRACTICES. I NEED HELP. All my civil, human, homeowner, privacy, constitutional, consumer, citizen, fair housing rights are being violated. I would like a meeting. 

Mortgage backed securities fraud- XXXX XXXX  XXXX XXXXXXXX XXXX as trustees for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX  aka XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX all continuing mortgage securities fraud on my home trying to foreclose illegally. All the above entities lave been sued by the DOJ for this fraud from XXXX - XXXX but never provided me CONSUMER RELIEF & continues to practice unfair and deceptive misleading and fraudulent practices. 

Complaint lacks standing because chain of titles was broken when note was securitized. They have unclean hands. Corruption with the XXXX Recorder of Deeds has Fake, fraudulent documents included in lawsuit. Incorrect deed of trust, with incorrect amount of mortgage and incorrect date being used in lawsuit. XXXX Police Department has failed to complete investigation since filed complaint on XXXX. 

I have lots of evidence of my original papers and proof of the corrupt judicial system in XXXX. PLEASE HELP ME OR GUIDE ME PLEASE. Im representing myself in Civil and Supreme Court. One of the 7 Justices in the PA Supreme Court gets DONATIONS from the lawyers office handling the case. Its a BIG MONEY SCHEME but I have proof. PLEASE HELP ME. I am a XXXX XXXX XXXX  being victimized by a foreign entity with NO help or relief or remedy from the United States of America. Im afraid for my life due to the unlawfulness in the Judicial system in Pennsylvania. Please help me.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

I made a mobile deposit on XX/XX/2024 to Chase bank. Chase accepted the deposit in the amount of XXXX. They informed me via my banking app that the funds will be on hold until XX/XX/2024. I see absolutely no legitimate reason for this. I am an established customer and the check being held was also drawn on Chase bank. I have also read by law that they must make at least XXXX dollars available by the next business day, which they also haven't done. Please assist me in this matter. Thank you in advance.
Consumer complaint received 2024-04-12
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. (MD)

Upon reviewing my Consumer Reports, I discovered that there was an instance of a late payment on an account that I have always been punctual with. It is crucial for Consumer Reporting Agencies to fulfill their responsibility of accurately reporting consumer information. I have never missed a payment for the account in question : XXXX XXXX XXXX XXXX : XXXX. I kindly request an investigation into this matter and ask for evidence in the form of statements that demonstrate these payments were indeed late. If no proof can be provided, I insist that these payments be corrected to reflect their actual on-time status, as I have never been late. Thank you.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-12
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trojan Professional Services, Inc. (IL)

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. I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : Trojan Professional Services , Inc : reference # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-02-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

Navient calls upwards of 6 times a day. Ive explained that I can not pay the {$1500.00} a month they would like. I offer to make payments, Ive even set up 15 months of payments which mysteriously stop and then they begin the calling again. 

Ive been paying for nearly 12 years and my balance has actually increased. The university as well as Sallie Mae ( original lender ) used deceptive practices to encourage me on the loans.
Consumer complaint received 2024-04-12
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I have had the Chase Freedom Unlimited CREDIT Card for more than XXXX  Years. It has always Automatically Declined when I reached my limit. 
Suddenly, several months ago, Chase Credit Card Services decided to LIFT THE AUTOMATIC DECLINE MANUALLY, AND BEGAN LETTING MY CARD SEND CHARGES THROUGH FOR XXXX  WEEKS, WHICH CAUSED MY SCORE TO DROP XXXX  POINTS. 
I TOLD THEM THEY COULD NOT DO THIS LEGALLY UNLESS I HAD " OPTED IN '' FOR OVERDRAFT CHARGES. FREEDOM REPS STATED CONSUMER BANKING LAWS WERE NOT APPLICABLE TO THIS DEPT, OR CHASE BANK. 
YOU CAN NOT ASSIGN OVERDRAFT CHARGES THAT CAUSE A CONSUMER TO EXCEED THEIR CREDIT LIMIT. 
IT IS THE CUSTOMER 'S RIGHT & CHOICE TO CHOOSE WHETHER CHARGES WILL GO OVER -- NOT CHASE BANK. NOT ANY BANK. A CUSTOMER SHOULD 'OPT-IN ' BY EITHER WRITTEN OR VERBAL/ORAL CHOICE TO HAVE CHASE CREDIT CARD SERVICES 'ALLOW ' CHARGES WHICH EXCEED THE CREDIT CARD 'S LIMIT... TO GO THROUGH IN SPITE OF THE CREDIT LIMIT IMPOSED BY CHASE BANK UPON THE ORIGINAL ISSUE DATE OF THE CREDIT CARD. 
GOING OVER THE LIMIT IMPOSED BY THE BANK IS RUINOUS TO A CUSTOMER AND CHASE PUNISHES CUSTOMERS FOR DOING THIS. THEY ARE NOT ALLOWED TO USE CHASE FREEDOM UNLIMITED AT CHASE ATM MACHINES AND BLOCKED FROM ALL OF THEM PERMANENTLY. IT SHOUKD NOT BE PERMANENT, BUT IN MY CASE, IT WAS. I wrote to the Office of the Comptroller of Currency about refining this law we had previously worked on a XXXX ago in XXXX.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I checked my credit report and noticed a collections from XXXX XXXX XXXX XXXX for the amount of {$1100.00} that I did not authorize. I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I checked my credit report and noticed a collection from XXXX XXXX XXXX in the amount of {$5600.00} that I didn't authorize. I am not liable for this debt with XXXX XXXX, I do not have any contracts with XXXX XXXX XXXX, they did not provide me with the original contract as I requested
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: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.