davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

Someone hacked into my account on XX/XX/XXXX and reversed payments I made for my car loans and my apartment.I filed a claim for the fraudulent transactions but the bank denied it. Afterwards, my paycheck was directly deposited into my account, my wife also deposited her paycheck into our joint account.I contacted chase bank customer service and requested that they should deduct XXXX dollars from my checking account and transfer the money to the following merchants so that they don't come back to repossess my vehicles.XXXX XXXX {$490.00}, XXXX XXXX  {$490.00}, XXXX XXXX XXXX XXXX {$400.00} and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$490.00} On XX/XX/XXXX, I contacted the merchants and all of them stated that they didn't receive any payment from the bank.I called Chase Bank multiple times and they insisted that they remitted the above amount of money to the merchants.I then spoke with Chase XXXX department on XXXX different occasions, some of them told me that they did not pay the merchants and that customer service agents who stated that the merchants were paid did not tell me the truthXXXX department promised to recover my money and send it back into my account, I have been waiting for them to no avail.Some of them also said that they were going to forward the payments to the merchants yet it is all lies, The merchants have not received any payment from Chase, even this evening, I spoke with the merchants and none of them have received any money from Chase Bank..I visited XXXX branches of the bank on different occasions and spoke with the supervisors and bankers, They were all saying differently things which were not adding up.My money is missing, about XXXX dollars and the bank can't give account of it.Please, I will be grateful if you recover my money for me or ask chase bank to remit the money to the merchants.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

Discover Credit Card XXXX XXXX XXXX XXXX NC XXXX XXXX 30 day late for month of XX/XX/2023. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting 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 end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-25
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must REMOVE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (ID)

A collection showed up on my credit report that I was completely unaware of. after filing a dispute with experien, the results were confirmed that I own the debt apparently. However, I never received any communication regarding it and still don't know what it's from or about. 

I never received a single letter of communication
Consumer complaint received 2021-01-20
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. (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not been notified of any investigation results. In the Fair Credit Reporting Act, a credit bureau is required to respond to & complete their investigation within 30-45 days. If they do not respond within that time, they must remove all negative listings that are being disputed. These accounts are inaccurate and have not been validated. By having them on my credit report, it has hindered me from obtaining credit and the ability to get anything in my name.
Consumer complaint received 2023-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (TX)

My dentist 's office and I tried on several occasions during XX/XX/XXXX to XX/XX/XXXX to get this loan cancelled by XXXX XXXX XXXX XXXX because information was incorrect and the account was no longer needed. We were continuously told the account was cancelled. Then several months later I found out the account was placed in collections and they wouldnt be able to help me. I havent been able to get any help since.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I reached out to Trans union back in XXXX again in XXXX, XXXX and now XXXX To follow up with my complaint and they gave me the run around. Hung up on the phone when I started asking more detail questions. They have listed incorrect inquiries on my credit which cause my score to go down and I was denied credited based on what they said. Today XX/XX/XXXX  I'm trying to freeze my credit online and I'm getting denied online access. I log in and ask for a chat conversation. The Chat person I spoke to is XXXX and she said, " oh it must be a technical glitch, but I can't fix it for you you'll have to continue to call to talk to someone who can. However I can freeze your credit for you ... ''
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One has charged off my credit card. I am aware that a charged off line of credit becomes a certificate of indebtness which means it is income and must be removed. The law says it is illegal to report transaction history, finable at {$1000.00} per violation. Capital One has reported since XX/XX/XXXX which not only permits the {$1000.00} per violation but also pain and suffering damages. Furthermore, under the Fair Credit Reporting Act information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I also have the right to Opt Out under 16 CFR 313.7 deriving authority from 15 USC 6801. Also, under 16 CFR 433.2 ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The account with Capital One was an open-ended credit line and the credit application became a security the moment my signature was obtained. Capital One is also in violation of the Securities Exchange Act of 1934 for the sale of my security on the secondary market.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America closed all three of my credit on XX/XX/2023 cards without prior notice. All cards were paid on time and there is no suspicious activity. I have been a BofA credit card member in good standing for over 20 years. Their rational for closing was not valid and I believe this was a racially discriminatory action by BofA. Their frequency of closing minorities accounts needs to be reviewed.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (DC)

In response to my initial CFPB complaint on XX/XX/2023, LexisNexis requested additional proof of identitya clear copy of my driver 's license or social security card, along with the most recent utility bill or credit card statement indicating my current addressin their communication dated XX/XX/2023. This requirement, not stipulated on their website for accessing a consumer profile or initiating a dispute, raises serious concerns about their compliance with established procedures. 

In response to my complaint filed on XX/XX/2023, LexisNexis claims to have reached out via email on XX/XX/2023, but did not receive a response. I responded the same day requesting information verify the email was coming from LexisNexis/representative, since they were requesting sensitive identity information via email. I received no response. 

This discrepancy, along with their persistent refusal to grant access to my profile despite receiving all requested documents, points to a potential violation of federal laws and indicates the use of delaying tactics. They falsely claimed they did not receive a response when email records clearly indicate that I responded twice. 

In light of these facts, I urge the CFPB to investigate these violations by Lexis Nexis and ensure compliance with federal and state laws governing consumer rights and credit reporting standards. I seek immediate rectification of my consumer profile and appropriate measures against LexisNexis for their non-compliance and negligent handling of consumer information.
Consumer complaint received 2023-12-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CT)

Midland Credit Management has called me over 15 times everyday for the past month. They have called XXXX XXXX XXXX XXXX XXXX including on weekends. They have been unable to provide proof that a debt is legitimately owed and has continued to call excessively. I am at my wits end from being harassed every single day by this company.
Consumer complaint received 2024-03-18
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2023-12-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I received an Amex e gift card and have tried using it at multiple online retailers and it gets rejected every time even though there is {$500.00} on it. I called Amex and they said I need to use it at a place that doesn't require a zip code but every place requires a zip code. I even tried adding it to online wallets and that did not work.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

XXXX {$34.00} XX/XX/2023 XXXX {$80.00} XX/XX/2023 XXXX XXXX {$130.00} XX/XX/2023 XXXX XXXX debit card claim was denied and not willing to look at a appeal spoke to several agents and departments with no success spend hours on the phone with the same run around. Transactions were done fraudulent.
Consumer complaint received 2024-01-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC (CA)

I called in asking for payments to cease withdrawal for date on XX/XX/24. I called in on XX/XX/24 and spoke with agent, XXXX, who refused to comply with FDCPA.
Consumer complaint received 2023-12-18
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, Firstly, Bank of America sent me Access Checks with the numbers XXXX and XXXX. I planned to use them to pay my property tax and confirmed this with the bank on XXXX. Despite their assurance that online payment was acceptable, Bank of America later returned the payment, resulting i n a {$400.00} late fee from the XXXX XXXX County property tax office. The responsibility for this late fee lies with Bank of America, and I have discussed the issue with the manager, who identified the individual responsible. I expressed my frustration, explaining that the bank had initially approved the use of the Access Check # XXXX, routing number XXXX with out proper communication or clarification. This situation caused significant inconvenience, including s [ ending an entire day at the XXXX County office in downtown XXXX XXXX. Bank of America needs to address issues of communication and knowledge within their team, as their negligent service has led to serious consequences for the customer, including a {$400.00} late fee that they XXXX cover. They use on the phone system from Bank of America 's terrible to talk customer what they want to talk easily without any responsibility. That caused that happened.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Card Acquisitions Group (IL)

XX/XX/2023. Foster and Monroe added a collection in the amount of {$1700.00} to my XXXX credit report. I am not liable for {$1700.00} debt with XXXX XXXX, I do not have a contract with FOSTER AND MONROE LLC, they did not provide me with the original contract as I requested. I contacted XXXX and XXXX, but they refuse to remove it from my Credit report.
Consumer complaint received 2024-03-25
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX This debt collector has called me up to XXXX times a day sometimes within XXXX minutes of each call and I have asked them to please cease all phone calls as they have not only called multiple times but have threatened judgement and legal action and have also added a second debt to my report after I tole them I would report them for harassment. They refused to mail me documents to prove the debt and refused to provide a call log of all the times they have contacted me.
Consumer complaint received 2024-03-25
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

Transferred $ XXXX from a personal checking account at a financial institution ( XXXX XXXX  ) to a savings account at Citizens Access Bank  on XX/XX/2023. Money debited from personal checking account at XXXX XXXX on XX/XX/2023 and listed in " account balance '' of savings account at Citizens Access Bank on XX/XX/2023. On XX/XX/2023, tried to move {$50000.00} from the online version and Citizens Access Bank XXXX app to checking account at XXXX XXXX for downpayment on a large purchase. Unable to move the money as it is not available to be transferred ; tried calling Citizens Access Bank to ask about issues ; told by multiple customer representatives there is a 5-business day hold on it due to security concerns. 
Was asked to review the Deposit Account Agreement by a customer service representative and found the following condition : Five-Day Availability : Funds credited to your account as a result of XXXX debits originated by you with us will generally be made available on the 5th Business Day after the Business Day of your deposit. Asked for an exception as the policy states " generally '' availabe but told it was not possible.
Consumer complaint received 2018-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I filled out FTC twice with XXXX for Capital One {$44000.00} and XXXX/XXXX  XXXX 's {$1000.00} XX/XX/2018 called and spoke with a XXXX, she stated that she couldn't locate the FTC that I need to resend the FTC.Resent it again XX/XX/2018. Spoke with XXXX in XXXX stated she still couldn't locate the FTC, but XXXX put in a dispute in XXXX without the FTC stated that it came back verified with the information I sent XXXX. Another FTC was faxed on XX/XX/2018. Called XXXX XX/XX/2018 stating that they still can not delete because Capital One and XXXX XXXX had verified that it was my information with the information I sent to XXXX. I ask for an authorization number stated that the information was verified and XXXX representative couldn't provide one. A policy report was made in XX/XX/2018.
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Business and Consumer Solutions. (VA)

Filed CFPB COMPLAINT ID XXXX ON XX/XX/2023 against FBCS debt collector on behalf of XXXX XXXX XXXX  XXXX XXXX for XXXX XXXX in bankruptcy. XXXX provided a response to that complaint indicating information provided does not match their system and requesting name address ssn their file no and copy of lette ; all ironically so since the basis of my complaint was that Ive never been provide anything in writing from them, just harassing phone calls and when requesting something in writing during these calls I am met with a dial tone by the representative. FBCS responded to my credit bureau dispute that the debt was sold to them, so they need to correspond with those folkes to get the matching information ; but, as for general self identifying information that theyve requested in their response to be able to address the issue at hand of attempting to illegally collect on a debt discharged and protected by bankruptcy laws has been provided to them in this complaint. As such, I requesting that CFPB complaint be re-opened and demand that FBCS provide a valid response to the claim and not a bogus one that seeks to disclaim it by asking for the very lack of information that has not been made available to me via the harassing calls and that are subject of THIS complaint against them. 
All the information they need to investigate such as my name address and phone number they call everyday all day has been provided here, and with exception of social and file number. No one gives socials over the phone or otherwise for identity protection, although the lady XXXX were provided here ; nor does any company demand it but rather use other unique identifying information ; as for the file no, well if they ever send me something in writing I would have that, but as stated previously when requested during harassing calls the representative hangs up phone
Consumer complaint received 2023-12-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I received a notification on my XXXX account that a collection agency reported a negative on my account back in 2022. I dont owe this company any debt. The amount is XXXX Id like this company to remove the negative from my credit report. Ive tried communication with them they were rude an disrespectful towards me.