davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

Dear XXXX XXXX XXXX and CITIBANK ; I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question. 
You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action. 
2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter. 
* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken. 
3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter. 
4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein. 

Basically, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-11-24
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. (NC)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CCI Financial, Inc (NV)

XX/XX/year> I went into a check city branch and cashed my paycheck. I needed to get a loan as well so the teller told me to go online and apply. I went online and applied. I spoke to chat agent and asked about the status of my application. She told me I needed to email my documents to info @ checkcity.com. So I emailed : 1. ) my State ID 2. ) my social security card 3. ) 2 paycheck stubs 4. ) bank statements 5. ) a voided check 6. ) a utility bill 7. ) a bill that was mailed to me with the envelope it was mailed in. 
Then I got back on chat with the agent who told me she would email my documents to the branch location so I could go in the next morning when they opened and get the loan. The next day at XXXX I got back online with chat and a different chat agent told me she could not approve my loan only a manager could, after requesting 3 more documents, which i uploaded on their website. I told her why I was being requested so many documents when they never requested so many for my last loan that i had gotten from them for $ XXXX which I had paid back, in full. The agent told me that sometimes they request more documents if they need to verify an address. they might request a bill. I told her i uploaded 2 bills already. She told me because I live in XXXX but am a XXXX  in California- that I have to verify my address. I told her California and XXXX are next to eachother and it takes me 8 minutes to get to California from my home address and 28 minutes to get to work.I have screenshots I am submitting with this complaint of the chat sessions I had with Check City Agents to show how rude, bias, and unfriendly they were to me. They Discriminated against me and as a last ditch effort they accused me of fraud. when I asked them fraud about what? they had no answer. I told them have they called my employer, XXXX XXXX, to verify my employment before they made this accusation at me and the checkcity manager told me " No, that he doesnt need to- they arent giving me a loan anyway ''. For No reason- I was denied.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (FL)

I was transferring XXXX between my linked external account at CIT to my checking account at Citibank. I have transferred between these accounts multiple times in the past without issue. Today I was told my funds were being held from XX/XX/XXXX until the XXXX. There is no reason for electronic funds between verified accounts to be held for 3 business days + the XXXX holiday. 
There is no resolution being offered with a 48 hour delayed response from Citibank. I will be closing my accounts for sure, and when I said that the representative snarklily replied she could close them now. I need to move all my autodebited accounts, but her reply was very telling about the company 's attitude.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (OH)

I am writing to formally lodge a complaint regarding the denial of my application to open a Chase Secure Banking account online. Despite meeting the necessary requirements for this type of account, my application was denied due to my presence in the XXXX database. 

I understand that financial institutions often refer to XXXX to evaluate the risk associated with opening new accounts. However, Chase Secure Banking is advertised as an accessible option for those who may have had difficulties with other banking services. This particular account is promoted as an inclusive service, catering to individuals in various financial situations, including those listed in XXXX. 

Given this context, I am perplexed and disheartened by the refusal to open an account for me. The denial appears to contradict the very purpose of the Chase Secure Banking service, which is to provide a viable banking option for individuals with less-than-perfect banking histories. 

I kindly request a thorough review of my application and a clear explanation of why it was denied despite the nature of the account I sought to open. If there are specific criteria or conditions that were not met, I would appreciate detailed information on these points. 

Furthermore, I urge Chase Bank to reconsider my application for the Chase Secure Banking account, given that this account is designed to be a solution for people in situations similar to mine. I believe that, with a better understanding of my financial circumstances and the nature of this account, an amicable resolution can be reached. 

Please acknowledge receipt of this complaint and provide a written response at your earliest convenience. I hope for a swift and favorable resolution to this matter. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

Every day, I watch the accrued interest balance growing, which is quite alarming. Although there is a suggestion that accrued interest on my eligible loans may be waived, there remains uncertainty regarding the interest on ineligible loans under XXXX XXXX XXXX 

Notably, Nelnet has advised against making any payments at this time. It has been suggested that 1. ) Nelnet is unable to calculate a payment amount while my loans are in forbearance and 2. ) doing so could further complicate and prolong the loan forgiveness process under XXXXXXXX XXXX XXXXXXXX. 

Contrary to the aforementioned information, I received a letter from Nelnet dated XX/XX/year> with a payment amount. I contacted Nelnet and was told they don't know how this amount was calculated. 

Any assistance that your office can provide is greatly appreciated.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

This debacle was XXXX  years ago in XXXX. A deposit of {$3000.00} was made to my account. I went online to check my balance and received a message that I had no access to my account. After several attempts I called Sofi. It took a long time to reach a live person. After getting someone they explained the account was frozen due to a fraudulent action. I didnt know the name of the person who made the deposit. The case was passed to the fraud department. Spoke with an agent who took my information again, gave me a case number and said he would be in contact. I heard from him about a week later. They found the $ $ was deposited by sum1. I dont recall if it was a bad check or what. Needless to say this incident frightened me. I paid off the loan from Sofi. No longer doing banking with them. Caused a lot of XXXX
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 
The late payments in question pertain to the following accounts : XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. 
I am aware of my rights under the Fair Credit Reporting Act, and I trust that you will handle this matter with the urgency and diligence it requires. The inaccurate reporting of late payments has a significant impact on my credit score and financial standing, and I am eager to see a prompt resolution to this dispute.
Consumer complaint received 2024-08-05
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 have repeatedly reported identity theft but they refuse to remove account as per XXXX XXXX XXXX XXXX bank they refuse to disclose results of thier investigations I have been a victim of multiple data leaks in witch cause my identity theft In accordance of of the credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that I have a right to privacy and 15 usc 1681 section 604 a section 2 states that a furnisher can not report a account without my written instructions under 15 usc 1666b a creditor can not treat a payment under a open credit account as late for any poupose
Consumer complaint received 2024-07-05
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. (IL)

My account with XXXX 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 those account 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 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 2024-07-05
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. (NC)

This is my follow up and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct them from my personal credit file : XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$210.00}.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

company is in violation of 15 usc 1666b per this violation please remove all negative remarks from my credit file and all other credit agencies on file asap. The negative reporting of this account is hurting my report and negatively affecting the ability of me being able to obtain credit. per CFPB this is a violation of my consumer rights and could be subject to daily fines for everyday this is listed. I am demanding the negative remarks be removed asap or I demand CFPB to fine them {$100.00} per day this is listed on my account and negatively effecting my profile. I HAVE ALSO SUPPLIED An IDENTITY AFFIDAVIT AND ACCOUNT STILL NOT REMOVED THERE ARE NUMEROUS VILATIONS. ACCOUNT IS INVALID AND EVEN IT WAS, NO SUPPORTING DOCUMENTS HAVE BEEN SENT WITH INK SIGNATURE, DEBT HAS BEEN SOLD AND CHARGED OFF WITCH MEANS THIS DEBT IS NO LONGER VALID
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: Medical Data Systems, Inc. (GA)

I recently received a copy of my credit reporting noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize nor did I authorize these accounts. If I may speak freely. It angers me that an individual would steal my personal information to seek medical treatment. I have no knowledge of the listed facility. I'm hoping the this facility will be forced to provide documentation/proof of some sort so that I may prove this was not an action of mine so that this fraudulent account may be removed from my credit report.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I was once again charged for a return of {$150.00} after I disputed the transaction months ago on XX/XX/2023. This has caused me once again to miss payments. I did not hear an update from this dispute for months up until now when they took the money back out of my account. I would like my funds returned because this dispute is over 3 months old and was valid.
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (LA)

YOUR COMPLAINT Credit control , LLC is trying to collect on a debt that was the result of identity theft. XXXX  XXXX bank was sent may letters telling them that this account was opened through the result of identity theft. This debt is not owned by anyone in this household. Also credit control XXXX  was told that the account was the result of identity theft and XXXX XXXX XXXX. 
Why do I need to keep repeating myself with this company? They continue and persist to try and collect something that is not owed by anyone of this home. 

.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My wife and I had our wedding on Saturday XX/XX/year>. We received many gifts in the form of cash and checks from friends and family. On Monday XX/XX/XXXX, we went into the Bank of America branch in XXXX, MA and deposited a total of {$8000.00} in the ATM in the branch. {$1000.00} in cash and {$7000.00} in the form of 4 checks ( {$5000.00}, {$1000.00}, {$500.00}, {$500.00} ). 
On Tuesday XX/XX/XXXX, I attempted to log into by Bank of America app on my phone and found that I was locked out. After attempting to update my password and then calling Customer Service I was told that the bank chose to end the relationship and close all 4 of my accounts. Personal Checking, Personal Savings, Shared Checking and Shared Savings accounts. Shared accounts are with my wife XXXX XXXX. 
I've spent several days on the phone with Bank of America Customer Service, Check Fraud and Scam services and I learned that Bank of America closed my accounts for suspected check fraud. I've been told the check that was fraudulent was for the amount of {$5500.00}, check number XXXX, from XXXX Bank. I did not deposit a check for that amount and I believe that the bank is made a mistake. 
At this point my wife and I do not have access to any cash in those accounts and we are not sure when the bank will be sending our checks with the remaining funds. We are supposed to be moving across the country from XXXX, MA to XXXX, ID on XX/XX/XXXX and we do not have access to our money. 
I was not aware of any fraudulent check that may have been deposited. The checks were all from close friends and family. When I ask Bank of America about the check amount, who it is made out to, who it is from, and the amount they tell me that they don't have access to the check images because my accounts are closed, which they decided to do without telling me. I believe that the bank made an error and they are causing serious distress to me and my family.
Consumer complaint received 2023-09-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NPAS, Inc. (TX)

We evidently had bill from XXXX XXXX XXXX XXXXXXXX. We never got it. The. Started getting calls from debt collector NPAS. My daughter is XXXX. The refuses to give me info. Told me to have daughter call to give authorization, which she did and they wouldn't give info to her bc she didn't have reference #. We haven't recieved mail or a bill so don't have one. Finally NPAS sent bill and we paid it using my credit card as we pay our bills. The bill was sent back and mail and paid on XX/XX/. I am still getting harassed by this company.