davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A. (OK)

I paid off my loan amount. Even after paying this amount, I was charged the automatically monthly fee. The loan then disappeared off of my app, taking my account number with it. There is no reference to the loan on my account anymore and the customer service representative could not assist me in finding my account and correcting the overcharge.
Consumer complaint received 2023-06-01
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. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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. XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (WI)

Chase XXXX XXXX refused my remittance coupon that was sent in with proper endorsement ( 31 CFR 328.5 & 328.6 ) and continue to rack up late fees and interest. They were going to close my account so I sent them {$1000.00} to keep it open ( and not have my good credit tarnished ) so that I could get the rest discharged properly. I called them and discussed in great length that I now know about something that has been hidden from people regarding everyone 's unlimited credit in this world and how banks can not loan assets ( 12 USC 1431 ) and the U.S. Treasury is obligated to make payments on the public debt ( 31 USC 3123 ). Our debts have already been paid by our Cestui Que Vie trusts and they have received payment for that but then want us to also send in money from our cash accounts which is " double dipping ''. They call it a " gift '' but it is what keeps people down and out and living from paycheck to paycheck and makes banks rich. The big corporate banks are fully aware of this although most employees of these banks are not. There is no gold backed dollar anymore. In 1933, HJR 192 eliminated the ability to PAY our debts, allowing only for their discharge. Since this act of accepting payments twice for the same bill was never disclosed, I feel their contract is null and void ( 15 USC 1692c ( c ) ). People are becoming aware of this fraudulent system. It's right there on the IRS website : 21.1.7.9.17 Unacceptable Payments and 21.1.7.9.22 Bill of Exchange. Then there is the address that they are supposed to be sending these remittance transfer coupons to : Department of the Treasury Office of the Executive Secretary, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC (NJ)

WESTLAKE PORTFOLIO MANAGEMENT company took over us auto sales accounts. They did not notify us auto sales customers prior to the account change. I called XX/XX/XXXX to make a payment thats when I discovered my vehicle was now being managed by Westlake portfolio. I spoke with a representative and they tried to assist with making my payment over the phone. They were unsuccessful. I then received a letter in the mail with the wrong state and zip code. I called Westlake portfolio again and asked them to update my billing information because they had the wrong one on file. I also asked for them to set up a payment arrangement because I recently moved out of states and was not working at the time. They refused which later resulted in them repossessing the vehicle. When I went to pick up my belongings out of the car several things were missing
Consumer complaint received 2024-06-22
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: JPMORGAN CHASE & CO. (IL)

I was part of marriage fraud by a undocumented person resulting in credit card fraud. 

Chase ruined my credit score and my life. I had to pay all the fraudulent charges in order to keep my credit score. I first reported the incident to Chase and told me not to pay the charges. It resulted in a lot of late fees and derogatory on my account. Collections started calling me I told them that the charges were not mine and they perpetrated by XXXX XXXX a undocumented person. Who got a hold of my credit card and used it in automated situations without my consent like Parking. I had over a XXXX credit score until this happened. Today I have not credit score even after I paid all the fraudulent charges off. 

I have contacted XXXX many times and they do not get back with me. To prove the marriage fraud.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I am a victim of identity theft. My information was stolen when our home was broken into back in 2010 since than I had so much fraud going on. That I have no connections with. Someone even has two evictions in the state of North Dakota.

I have never lived there I lived in XXXX  ca my entire life.

Please help me I have no knowledge of the said accounts
Consumer complaint received 2024-06-22
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: DISCOVER BANK (MA)

My Fair Credit Reporting act consumer rights have been violated. The accounts listed in attathcment 15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumerto anyconsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NY)

I had a HELOC with XXXX XXXX, account XXXX. This loan was fully paid back at the closing of my house sale on XX/XX/XXXX. I received a statement saying I owe {$130.00}. That is incorrect. However I paid it. 

My credit reports show XXXX late payments and that the mortgage is not paid off when indeed it is. 

I would like a refund of the {$130.00} per statement XX/XX/XXXX and my credit report cleared of these XXXX late payments and that the mortgage is not paid. 

This is killing my credit score, please fix it. 
XXXX XXXX
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have repeatedly disputed this account with the collection agency, XXXX XXXX XXXX, XXXX and Experian. However, this account remains on my report as being accurate. However no one can provide proof of this debt, EOBs from insurance companies, bills, etc. I have been insured on a constant basis and I should not EVER have a medical bill with a balance this large. I get ZERO cooperation from the credit reporting agency. I do not believe I owe this collection account of {$860.00}.
Consumer complaint received 2024-06-22
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: McCarthy, Burgess & Wolff, Inc. (SC)

Around XX/XX/XXXX I learned that XXXX XXXX XXXX obtained my XXXX consumer report on XX/XX/XXXX. I sent a letter on XX/XX/XXXX asking why they obtained my report. My letter was received on XX/XX/XXXX. They never responded to my letter.
Consumer complaint received 2023-08-27
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. (FL)

XXXX is NOT MY ACCOUNT, CARD! I have disputed I do not know who this company is, no do I know what a flex spending account is, in XXXX  the only debt I had was XXXX XXXX loans so this isnt mine! Ive recently disputed and instead of deleting this wrong information the update the account ruining my credit even more and marking it a CHARGE OFF DEBT! If this isnt immediately resolved I am reporting to the identy theft website, report to the XXXX, and file suit! 


And looking at the information you are inaccurately reporting anyway, multiple violations pertaining to how this is reporting besides the fact I have no knowledge of this account According to 15 USC 1681eb A Furnisher is required to report maximum accuracy on the consumer report
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (ID)

I have a regularly scheduled transfer of {$250.00} from my checking to my savings accounts with US Bank. On Monday, XX/XX/XXXX the transfer occurred, but then the bank removed an additional {$250.00} from my checking account and that money seemingly disappeared into thin air?! I've called their customer service line every day since, and have been told they are aware of the issue and are trying to fix it. However, they have no timeline, and have made no efforts to replace the money they took from my checking account. This has got to be illegal?? My faith in the security of money management at USBank has been deeply shaken.
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2024-06-22
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. (FL)

I am writing to file a formal complaint against EXPERIAN, XXXX, XXXX concerning their handling of a fraudulent account ( XXXX  ) listed on my credit report. Despite my diligent efforts to resolve this issue through appropriate channels, including providing substantial documentary evidence, the bureau has failed to remove the fraudulent account. 

On XX/XX/2024, I discovered an unrecognized account on my credit report, which I immediately reported to EXPERIAN, XXXX XXXX  as fraudulent. Following the recommended procedure, I provided a police report, an FTC Identity Theft Report, and sent letters of dispute along with copies of my identification to ensure thorough verification.

Regrettably, my efforts to rectify this issue have been met with inadequate responses from the credit bureau. Specifically, after their investigation, they informed me that the data furnisher had verified that the account belongs to me. However, no proof or detailed explanation has been provided to substantiate this claim, which directly contradicts the evidence I have submitted indicating identity theft.

The presence of this fraudulent account has adversely affected my credit score and has potentially far-reaching implications for my financial health. It is imperative that this matter be resolved promptly and fairly, ensuring that all inaccuracies are corrected in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/ Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My car was broken into on XX/XX/XXXX, resulting in the theft of my phone and several cards. Unfortunately, I was unable to file a police report due to insufficient evidence and a lack of camera footage. The thieves used my Capital One card to make unauthorized purchases totaling {$810.00}. I have already contacted Capital One and submitted a dispute claim. This situation is unacceptable, and I am not responsible for these charges. According to the FDIC and the FCRA, I should not be held liable for fraudulent charges. I request that these charges be resolved and removed. Thank you.
Consumer complaint received 2024-06-13
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: National Credit Systems,Inc. (TX)

National Credit Systems is furnishing an account on my credit report with an alleged debt that is uncollectable due to the statute of limitations, and this account is to be removed from my credit report within 10 business days. The statute of limitations in the state of Texas is 4 years and should have been ceased as of XXXX XXXX. I have already informed this collection agency in the CFPB complaint XXXX. National Credit Systems stated that the original creditor contends that the debt is in fact owed. The alleged debt may be owed to the original creditor in which they still have to prove, but your company purchased this debt 4 years ago and it is past the statute of limitations therefore the debt is uncollectible, and the account is to be ceased and removed immediately. Due to your negligence, I have attached an invoice for the violations. Payment is to be remitted to the address on the invoice or I will move forward with legal action.
Consumer complaint received 2024-06-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

Upon checking my credit report I found two collections being reported inaccurately. Both collections are from the same company ( XXXX XXXX ) I spoke with XXXX XXXX multiple times and the assured me this information would be deleted due to fraudulent charges and information used to obtain this account. These accounts are not mine and I have no knowledge of these accounts. I would like these accounts removed and my credit report updated as soon as possible. This is against fdcpa law. This company is reporting false fraudulent accounts in order to gain money. This is my final attempt to resolve this matter or I will be seeking legal action. Thank you for quick response as law 15usc169e807 ( 8 ).
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CT)

Of course, here 's a revised and improved version of your text in English : Regarding complaint IDs XXXX and XXXX : The bank requested some notarized documents, which I have sent, but the account is still locked. When I call the agents, they do not accept my phone number as an authentication option, even though it was registered in my profile on XX/XX/XXXX. 

I moved to XXXX on XX/XX/XXXX and can not easily visit a branch because the closest one is located in Connecticut. I have spent money sending the required documents and urgently need access to my savings because, unfortunately, my last salary was sent to the locked account. 

You can use this XXXX tracking number XXXX to confirm the documents reception Please provide a real solution. I am still receiving bank mails at the address registered in the account, but it is quite curious that the letters containing the code to unlock my account have not arrived.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Issue : Unfair and deceptive practices related to account closure and negative credit reporting Summary of Complaint : I have maintained a good standing credit history with Citibank since XXXX, consistently making all payments on time. On XX/XX/XXXX my monthly online payment posted to Citi Costco Card. In XX/XX/XXXX, I discovered both Citi Credit Card accounts were closed online, with no prior notification or explanation. A few days later, I received a letter informing me of the closure but without any reason provided. The letter instructed me to call a specific phone number for further information. 

On XX/XX/XXXX, I called the provided number, the agent could not explain the closure but suggested filing an appeal. After requesting information on the appeal process, I was told to mail only a letter, no other documents needed to an address in XXXX XXXX. I promptly mailed the appeal letter on XX/XX/XXXX. 

XXXX weeks later, I called for an update on the appeal. After a 30-minute hold, the agent informed me the letter was received but not reviewed or processed. I was asked to check back in 7-10 business days. 

In XX/XX/XXXX, I received a letter stating the appeal was denied due to missing income verification. However, the letter offered no further explanation and only a phone number for inquiries. Following up with this number, the agent again lacked information. 
Furthermore, Citibank is now claiming I am behind on payments for the closed accounts ; one of which has a XXXX balance. Since the accounts are closed, I can not access them to review details or make payments. I have informed Citibank of this situation, but they only provided a statement after the alleged payment deadline, resulting in late payments being reported and negatively impacting my credit score. 
Given my payment history of no late payments up until the closure of the accounts that CitiBank is claiming, I believe my accounts should be reinstated without any requalification requirements as this is a discriminatory practice and is predatory in nature.
Consumer complaint received 2018-05-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

XX/XX/2017 I went to a hospital in XXXX, Tx. Medicaid Insurance covered the bill. Since then I have had no medical bills sent to me and Medicaid said they paid the full bill amount and all of the medical billing were suppose to go to Medicaid. But I got a fraud collections account posted on my credit from Midwest Recovery systems saying I owe it {$480.00}. I have experienced this collections fraud before over a medical bill. I don't think credit monitoring is a secure site to have knowledge of people 's identity.