davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CT)

I am a natural person, i attempted several times to resolve the issue nothing was done. I am a living human being and I have rights under 15 USC 1681. XXXX, XXXX and XXXX is governed by 15 USC 1681 and they've violated my rights numerous times. My personal information has been exposed in breaches, and information inaccurately and unlawfully reported. According to 15 USC 1681 I have a right to privacy and I never gave XXXX  written or oral permission to furnish these accounts. I demand these accounts listed below are removed from my credit report immediately
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Please see last complaint filed and Citizens bank responded stating to send an email to XXXX. I called and spoke to XXXX XXXX and my call was recorded. Her supervisor XXXX. XXXX XXXX which is his real last name. Not XXXX. I have also filed a complaint with the XXXX XXXX XXXX XXXX. My evidence is undisputed. Citizens clearly does not want to assist because they are putting a personal biased against me and violating so many banking practices. I have been trying to receive assistance. I emailed as per the letter that will be attached and my emails to show the clear unsound business practices being committed. I paid what I could and reported me late with many late charges that the CFPB capped late charges. Clearly my evidence shows this bank does not give hardship assistance. A scam. 
Also, XXXX XXXX is not employed at Citizens. Yet all the letter have his name. He was contacted. I will be forced to do a XXXX  XXXX. 
All my creditors provided financial assistance. this bank forced me to hire a consumer lawyer when I am in serious financial restraints to contact XXXX XXXX at the OCC to investigate.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Rep with Capital One, XXXX, claims to have reissued an affidavit for check in amount of {$4200.00}, in which case, no affidavit received. Further, the rep claims unable to recover funds from other party, due to length of time since check cashed, in which case, this is error on end of Capital One for not sending affidavit when initially brought to their attention in XXXX of 2018. Further, Capital One rep placed a stop payment on prior check for same amount, did not allow time for it to receive on my end, stop payment placed prematurely, check reissued while I was on vacation in XXXX 2018., check intercepted and cashed by another party. As stated before, when brought to Capital One attention, their rep, XXXX XXXX, failed to send affidavit, affidavit sent several years later, closed out in error, at which point, Capital One reps then refused to reissue it. XXXX claims to have reissued affidavit, however, it was not received. Previously, a XXXX replied on behalf of Capital One, requested more information, requested a call from myself, numerous messages left, none returned. I then received a call from a XXXX who advised she would reply in re to complaint, I attempted to discuss resolution and she would not ... XXXX replied back referring me to party who cashed check, in which case, party is nowhere to be found and not my responsibility to attempt to locate, as stated before, it is partly an error on end of Capital One., placing stop payment prematurely, failed to send affidavit when brought to their attention in 2018. Another complaint was filed, explained the party is nowhere to be found, further, Capital One reps would not take any action when advised the cashing bank did not receive initial affidavit... I then attempted to reach out to party who may have cashed check, unable to recover funds, I then requested another affidavit which Captial One rep refused to reissue. XXXX claims to have reissued affidavit, however, it was not received ... Most recently, XXXX with Capital One requested a call back, I called back, left a message, has not been returned..As per usual, Capital One reps leave a number to reach out, however, they do not accept or return calls...
Consumer complaint received 2022-10-28
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NY)

I have been seeing this American Express card on my credit report and I have contacted American Express numerous times to let them know this isn't my card. I never had that American Express card, I was sent one which I returned. Another card was issued in my name which I never had. I asked them for a wet ink copy of the contract application for the card and they have not repied. This has hurt my credit immensely and I tried to resovle the issue but to no avail. Iwould like this erroneous and fruadulent item off my credit report.
Consumer complaint received 2023-03-12
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: AMERICAN EXPRESS COMPANY (MO)

In accordance with the fair credit report act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604A section 2 It also states that a consumer credit report agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer account as late for any purpose.
Consumer complaint received 2024-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXXXXXX for what I believe to be unlawful and unethical debt collection practices. Below are the details of my complaint : Debt Information : Reference Number : XXXX Original Creditor : Nissan Motor Acceptance Co. LLC Amount : {$19000.00} Nature of Complaint : Lack of Verification : Despite my requests, XXXX XXXX XXXX XXXX XXXX has failed to provide adequate documentation to verify the validity of the debt. 

Discrepancies in Amount : The amount claimed by XXXX XXXX XXXX XXXX XXXX differs from my records and includes unexplained fees or interest. 

Harassment : I have been contacted at inappropriate times ( early mornings and late evenings ) and subjected to aggressive or threatening language, which is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccurate Reporting : XXXX XXXX XXXX XXXX XXXX has reported inaccurate information to credit bureaus, adversely affecting my credit score. 

Attempts to Resolve : I have contacted XXXX XXXX XXXX XXXX XXXX multiple times requesting verification of the debt and a breakdown of the amount claimed, but they have failed to respond appropriately. 

I have requested that XXXX  XXXX XXXX XXXX XXXX cease all collection activities until the debt is properly validated, but the harassment has continued. 

Any other relevant documentation, I appreciate the CFPB 's attention to this matter and look forward to your assistance in resolving this issue.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

I closed my account with Citizens on XXXX XXXX. I kept receiving eNotiication alerts after account closing so I called Citizens on XXXX XXXX. They relayed that my XXXX XXXX  had a recurring payment and they had to re-open my account. The customer service rep said they will send a check and get the account closed. I asked them to send me a letter in writing that account was closed. I immediately updated my payment method on XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX, I received letters from Citizens for change of address. 

I received a letter on XXXX XXXX ( letter dated XXXX XXXX ) from Citizens that I have an overdrawn amount of {$3.00} and I need to pay it to close the account. I called Citizens on XXXX XXXX regarding this and they conveyed that a service charge was added because no deposits were made and the amount has now increased. They are unwilling to resolve this because of system limitations. 

Issues : 1. I willing closed my account and ended my relationship with Citizens on XXXX XXXX XXXX. After finding out in XXXX that a transaction was made, I rectified the payment method and have an email from the card that my payment method was updated in XX/XX/XXXX. Citizens shouldn't be charging service fees if they never obtained my consent about re-opening the account and for all intents and purpose I had closed the account and was conveyed the same ( yet again ) on XXXX XXXX XXXX. They are going to keep charging me the service fee unless I deposit money or settle which are not fair options given the account closure.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

Dear Sir/Madam, I am writing to file a formal complaint against Navy Federal Credit Union regarding the excessive delay in releasing funds from a signed-over check that I deposited on XX/XX/year>. The check in question was a XXXX rent relief payment signed over to me by my tenant, XXXX XXXX XXXX XXXX to cover back rent owed. 

Prior to depositing the check, I contacted Navy Federal to confirm that they accept signed-over checks, and I was assured that they do. Upon depositing the check into my Navy Federal business checking account via an ATM, I received a notification that the check would be subject to a 5-day hold. However, it has now been over five months, and the funds have yet to be released. 

Navy Federal has requested that XXXX XXXX provide a passport for verification purposes. Unfortunately, XXXX XXXX does not possess a passport, and this request has caused significant delays. Despite this, Navy Federal has continued to pay dividends on the check, indicating that the funds are in their possession, but they have not released the funds to me. 

This delay has caused undue financial stress and hardship. I believe that Navy Federal 's actions are both unreasonable and unjustified, and I am requesting that the CFPB investigate this matter to facilitate the release of the funds that are rightfully owed to me. 

Enclosed are copies of relevant documents, including the deposit receipt, the letter from Navy Federal regarding the hold, and any correspondence with Navy Federal regarding this issue.

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Opened account on XX/XX/XXXX and deposited money the same day. Attempted to transfer the funds to another bank account using XXXX on XX/XX/XXXX. My account was then blocked. 

I was told by customer service that the hold would be XXXX hours, but it's now been 5 days and the account is still blocked. I visited a branch location but they were unable to help. 

I called again today and was told the account would be closed and it would take XXXX days to get my money back thru check.
Consumer complaint received 2024-04-26
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)

I am writing to urgently address a severe matter regarding fraudulent activity on my credit report. Upon thorough review, I have uncovered multiple inaccurate and unauthorized entries that significantly compromise my financial integrity and creditworthiness. These fraudulent accounts have been causing unwarranted distress and hardship, and I seek your immediate intervention to rectify this situation. 

The fraudulent entries in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7600.00} Status Open. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$20000.00} Status {$2600.00}. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX. 


Despite my repeated efforts to address these issues with the credit reporting agencies, the entries persist on my report, unjustly tarnishing my credit score and financial reputation.

It is imperative to emphasize that I have never authorized or initiated any of these accounts. I strongly suspect that they are the result of identity theft or malicious activity targeting my financial records. As a vigilant consumer, I have diligently monitored my credit report and have taken immediate action upon discovering these discrepancies.

In light of these grave concerns, I wish to draw your attention to several pertinent laws and regulations established under the Fair Credit Reporting Act ( FCRA ) that safeguard consumer rights : Fair Credit Reporting Act ( FCRA ) Section 609 : This section empowers consumers to request disclosure of their credit report and dispute any inaccuracies or fraudulent entries therein.

Fair Credit Reporting Act ( FCRA ) Section 611 : This section mandates credit reporting agencies to promptly investigate and address any disputes raised by consumers regarding the accuracy of information on their credit reports.

Fair Credit Reporting Act ( FCRA ) Section 615 : This section outlines the responsibilities of information furnishers, such as creditors and lenders, to ensure the accuracy and integrity of the information they provide to credit reporting agencies.

I urgently implore the Consumer Financial Protection Bureau to intervene in this matter and expedite the removal of these fraudulent entries from my credit report. Additionally, I request a thorough investigation into the origins of this fraudulent activity and appropriate actions against the perpetrators. 

Enclosed with this letter are copies of documents supporting my identity and evidence of the fraudulent entries on my credit report. 

Your prompt attention to this matter is greatly appreciated, and I eagerly await a swift resolution. Please do not hesitate to contact me if further information or assistance is required.
Consumer complaint received 2024-04-26
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. (LA)

I just checked and reviewed again my Experian credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

There's addresses need to be removed from credit profile I am not connected to these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
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)

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ). The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2024-01-25
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. (MI)

my name is XXXX XXXX XXXX XXXX XXXX, on XX/XX/2023 I started disputing XXXX  XXXX accounts # XXXX XXXX  XXXX account # XXXX with no resolve ... According to the Fair Credit Reporting Act, XXXX  XXXX and consumer reporting agencies has violated my right to Privacy. 15 USC 1681 sec 602, 15 USC 1681 sec 604 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-05
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. (TX)

Account number XXXX Balance XXXX Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. Account number XXXX XXXX {$310.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. XXXX XXXX XXXX Account number XXXX Balance {$4800.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. XXXX XXXX Account number XXXX XXXX {$500.00} DAte XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. Address XXXX XXXX XXXX XXXX XXXX TX XXXX This address is not associated with me. I have provided the police report and the FTC Complaint and the account still remains on my credit file.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

LVNV Funding LLC is garnishing my wages in the amount of {$4300.00} for a debt that is not validated. I submitted a request for debt validation on XX/XX/2024 per 15 USC 1692 g and still my wages are being garnished even though this debt is in dispute. I sent XXXX XXXX, the president of LVNV Funding, via certified mail, UCC-11 search results and certificate which state that I am not a debtor. There has been no validation of debt and there is no proof of any contractural agreement between myself and LVNV Funding LLC.
Consumer complaint received 2023-08-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by me. 
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