davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

They let me open a saving account, but when I tried to open a checking account, they rejected the application under the following statement This decision was based on a number of factors, including a report from XXXX XXXX XXXX, a consumer reporting agency. Their report is like a credit report, but looks at your deposit account history rather than your history with loans which makes no sense, since I dont have any other bank account nor credit history. XXXX XXXX  referred me to XXXX XXXX XXXX  and they referred me to XXXX XXXX  again. Nobody is giving a resolution.
Consumer complaint received 2023-12-20
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. (OH)

formally dispute a fraudulent loan account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. 
I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. XXXX
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (CA)

I double-checked my report and verify these accounts appeared and I have no idea where it came from. I demand the accounts listed below to be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached below is a copy of Identity Theft
Consumer complaint received 2023-09-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Revolut Technologies Inc. (DC)

I wish to close my Revolut card because Revolut has made it clear that it will not permit me to open a XXXX XXXX unless I provide a " National ID Card, '' something that does not exist in the United States. I have already provided a RealID compliant driver 's license from the XXXX XXXX XXXX, a lawful jurisdiction in the United States, which was sufficient to open the Revolut card, but for reasons Revolut will not address, the same ID is insufficient to open an associated interest-earning savings vault. I am permitted to open non-interest bearing vaults, but there would be no reason to do so when Revolut advertises, apparently falsely, that interest of 3.25 % can be earned on an interest-bearing vault. 
The current balance on the Revolut card is XXXX. When I attempt to close the Account, the Revolut app says it can not close the account with a balance greater than XXXX. When I attempt to transfer out the XXXX balance, the Revolut App declines any transfer of less than XXXX. Accordingly Revolut would require me to add additional funds to the Revolut account and then once the balance exceeds XXXX, they would presumably permit me to then transfer the full balance out. Nothing in the terms of service require me to add money to an account for any reason, including for purposes of closing an account. I request Revolut provide a written explanation to the CFPB as to why a client can not close an account due to rules not stated in any contract that preclude the customer from transferring out or otherwise receiving the remaining balance. 
When I attempt to use Help, I can not reach an agent. When I attempt to use the option to transfer in and then close, the defective Revolut App continuously restarts, effectively locking me out of access to the remaining XXXX balance.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XXXX XXXX to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
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. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-05-23
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC (MI)

Oldest message I still have is from XX/XX/XXXX but I remember recieving messages earlier. 
Claim to be collecting a debt for XXXX XXXX and providing several links, they also gave an option to opt out of messages which I have done repeatedly. 
Today XX/XX/XXXX I received a new type of message which seems to be pressuring me to send money Please contact MRS BPO , LLC regarding a matter for your XXXX XXXX account ending in XXXX with a current balance of {$860.00}. MRS is a collection agency. 

You can resolve this account for 60 % off of the current balance which equals {$340.00} through XX/XX/XXXX. We have no obligation to renew this offer. 

Visit our portal : https : //portal.mrsbpo.com. 
Call us by Phone : ( XXXX ) XXXX Text STOP to opt-out of future text messages. 
Important rights and info : mrsbpo.com/disclosures. Note : today as well I called XXXX XXXX customer service and CONFIRMED I do not and have not ever had an account under my name or phone number with them. This is a fraudulent debt.
Consumer complaint received 2023-06-17
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: Atlanticus Services Corporation (MO)

XX/XX/2023 Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between XXXXASPIRE and XXXX XXXX XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business 3 to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2023-09-20
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. (IL)

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 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 2024-05-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (WI)

OppFi, or Opportunity Financial, is nothing more than a Racketeering in Corrupt Organization masquerading as a legitimate lender. This predatory scum has been caught red-handed RENTING A BANK in blatant and criminal violation of both XXXX and Wire Fraud statutes. 

While engaging in this bank-renting scheme, they've duped tens of thousands into predatory payday loans with exorbitant interest rates far beyond legal limits. They cunningly conceal these outrageous rates within application fees, loan fees, and other illegal charges, all in direct violation of the Criminal Codes and Procedures of the US Government. 

Despite these well-documented offenses, OppFi has also flagrantly violated the FDCPA. They have harassed me relentlessly, " psycho-calling '' up to 5-6 times per hour, even after being explicitly told to cease and desist. They stooped so low as to send a police officer to pound on the door of my ex-girlfriends house in the early hours of the morning, all in pursuit of their ill-gotten gains. 

Every action they've taken is criminal under the law, and they must be stopped and imprisoned. This includes every individual involved in this vile organization, not least their unscrupulous attorney, XXXX XXXX at XXXX XXXX, XXXX. They are all complicit and should face the full wrath of the justice system.
Consumer complaint received 2023-12-20
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. (OH)

I have contacted each company and requested that this information wasn't authorized by me. I have not given written consent for this information to be reported to any company. I am a victim of identity theft. This request isn't being made in error, Please see attached documents.
Consumer complaint received 2023-02-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX  account is reporting incorrectly. This is an ongoing and continuous violation of the Fair Credit Reporting Act. This situation is causing me undue stress and is a defamation of my character.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I went to the transunion.com website to get my free credit report because I was denied credit at XXXX XXXX based on their report. The only way to get the report was to call them or mail them. It should be available online through their portal. 

Also, credit agencies are giving only 14 days vs 30 days when shopping for loans and I receive hard inquiries within that 14-day period. It takes longer to get information from these companies than 14 days allows. It is negatively impacting consumers nation-wide.
Consumer complaint received 2024-05-21
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: JPMORGAN CHASE & CO. (CA)

My XXXX account was hacked and someone purchased tickets for {$1000.00} via XXXX ( I'm not sure how this works, but they hacked my XXXX, but XXXX is the charge code on my account ). Because they were able to hack into my full account, the information used to make the purchase was my correct information. The hackers used a tactic where they sent a barrage of thousands of emails to my email address to hide the transaction email from XXXX and XXXX. However, I discovered the email within an hour of the transaction and immediately called Chase to cancel my card, which they did. The customer service rep said they would send the claim to the fraud department and they would get back to me within a few weeks. I called XXXX and XXXX separately to try to cancel the tickets, but neither company would cancel the tickets ( even though I caught this within an hour of purchase ). A few weeks after that, Chase refunded the full amount to my card, and I thought it was settled. However, today ( two months later ) I received a letter from Chase saying they would not accept my fraud claim because I " benefitted '' from the purchase. They're claiming that because the hackers had all my correct information to make the purchase that it's a fair purchase. They hacked into my account, so of course they have the correct information. I called Chase and had them reopen the claim, and I'm attempting to get proof from XXXX and XXXX that I called them in XXXX to report the fraud ( which would've been nice to know I might need that back in XXXX when I was calling them ). But I'm concerned that Chase is not using common sense here. This is a very common crime they must see all the time. The ticketing sites are hacked all the time. I didn't know that my card was saved on my XXXX, but even if I had, it shouldn't have mattered. BECAUSE ( and here 's the real issue with Chase ) the card number saved on my XXXX account that was used to make the fraudulent transaction was a number that was victim to fraud over a year ago. The card was cancelled over a year before this new fraud, yet it was still linking to my new credit card number. This should've been flagged by Chase, which would've avoided the fraud in the first place.
Consumer complaint received 2023-12-20
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. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-12-20
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: Experian Information Solutions Inc. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-19
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. (NV)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2023-12-20
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. (GA)

THIS IS XXXX XXXX AND I AM DISPUTING THE ACCURACY OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. I AM REQUESTING THE DOCUMENTS UNDER OATH THAT GAVE THESE PERSONS PERMISSIBLE PURPOSE. DOCUMENTS BEARING MY SIGNATURE FOR CONSENT. I AM DEMANDING FOR XXXX, EXPERIAN AND XXXX TO STOP AND DESIST THE REPORTING OF THESE UNAUTHORIZED INQUIRIES IMMEDIATELY. 

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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (VA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMER FST FIN XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2023-12-20
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was never late on this account. Please check the status on this account. 

Inquiry XXXX This inquiry was not authorized
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

I made the payment for the entire balance on my Citi bank credit card through XXXX bank online payment on XX/XX/XXXX. Citi bank put a hold on my account because i made the entire payment of $ XXXX in one shot. They did not inform me that my account is on-hold... because I spent the entire spending limit and then paid the entire balance off!!! My Citi app does not show any message that my account is frozen for 10-days until XX/XX/XXXX. I was embarrassed multiple times in stores trying to use the card and getting it declined- not understanding why? The Citi customer service initially had no idea why the transaction was not going through. Finally he figured out and explained to me that I made large payments and Citi wants to hold my payment and has therefore frozen my account until XX/XX/XXXX. 
This is an amazingly absurd way to hold someone's payment without letting the user know that their card is blocked for 10-days for making timely online payment. 
The embarrassment Citi bank has caused me should not be allowed as it is irresponsible of them to block credit card when a customer is doing the right thing to make the payment in full as allowed by the law and their own policy. Their customer service staff was not pleasant nor informed about their own [ bad ] policy.