davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information. 

A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and XXXX, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to XXXX, XXXX, or the Furnisher of information to credit agencies is hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law. 

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. XXXX and XXXX are failing to uphold reasonable procedures. 

Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (PA)

My XXXX Paypal autopay did not go through ( even though I received a message saying it did ), I was then charged a late fee. No one can explain why the autopay failed ( another account used the same exact information and worked fine ). 
1. I was told the late fee would be reversed -- it has not yet been reversed.

2. autopay is only on the date due, so there's no way to avoid a late fee if it " mysteriously '' doesn't go through.

3. This seems like a scam to accumulate late fees.
Consumer complaint received 2024-01-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Office of Michael J. Scott, PC (CA)

The company threatened to sue me and garnish my income if I should ever stop paying my allotted monthly amount in a payment plan that I agreed upon with the company in spite of my complaints to the company about my unemployment, low income from XXXX, and credit score too low for me to secure a loan. In addition, the company described to me in writing such a payment plan as a settlement in spite of the fact that the plan involves my payment of the entire debt, not just a portion of the debt. From my online research, however, settlements lower credit scores. Furthermore, contrary to such agreement between the company and me, the company, according to my bank statements, has been canceling my online payments to the company for XXXX consecutive months now, including yesterday, XX/XX/2024.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: KEYCORP (NY)

I received an offer to open an account with Key bank. I went ahead and opened the account and transferred money electronically to fund the account. A few days after opening the account, the bank restricted my account alleging fraudulent activity. I requested this to be resolved however the bank insists that I appear at a branch in person to resolve. The bank days/hours are too limited for me to make it there in person as I commute outside of the area during the week and the branch is only open monday to friday within 50 miles of where I live. I requested the account to be closed and money to be sent back to me however this has not been done. Repeated efforts to get this done have been disregarded.
Consumer complaint received 2024-03-24
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: Maximus Federal Services, Inc. (OH)

Originally I asked for it to be removed from my report because of FERPA violations and privacy act of 1974 violations. However upon further research I defaulted on this loan over 13 years ago. It should only be reporting for XXXX my complete credit report Is incorrect as it says paid as agreed and current. I've never made a payment. This is destroying my life as my utilization is thru the roof. I believe XXXX  which originally was my servicer cancelled out the debt before aidvantage took over. I would have to foia financial records to be positive, but I could bet my right XXXX on it. ( Odds are more than favorable if I'm betting on my XXXX )! None the less it's been 40 days since company said they were going to respond. 43 from the day I sent it. Um Get it off. Considering how detrimental his has been to my credit, my life and family plus the willful non compliance would actually be a blessing for me. Proceed as you wish.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/XXXX, I was sent a promotional email by American Express of Member Week Offers. One of the offers was to receive a {$50.00} statement credit for purchasing a {$99.00} annual subscription for XXXX XXXX. On XX/XX/XXXX, I made this purchase using my Amex card account listed in the promotional email in the amount of {$130.00}. When I did not receive the statement credit, I called Amex customer service in XXXX and was told that it was still processing and would take up to XXXX days, and that I needed to call back at that time if the credit hadn't posted. It did not post, so I called Amex back on XX/XX/XXXX. I spoke to a manager, who told me that the promotional credit would be posted in XXXX days and assigned a case number. The credit still did not post, so I did an online chat with Amex on XX/XX/XXXX, and was told that the credit would be posted to my account in XXXX hours. The credit still did not post. I continued to contact Amex and even uploaded a XXXX  of the promotional email for my case. Eventually, I was told that I " used the wrong card for the charge '' and that I would not receive the statement credit, despite using the card account listed on the promotional email. I have gone above and beyond to resolve this issue with American Express, spending hours on the phone and in chats.
Consumer complaint received 2024-01-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (VA)

Mitchel D. Bluhm & Associates LLC send me a letter to pay medical bill which I have to pay to them ( service date XX/XX/XXXX ). With no explanation of service and why I have to pay them. Letter received ( XX/XX/XXXX ). 
All my madical bills from this day and all services what been provided this day was transferred to XXXX collecting company. I pay monthly my debt to XXXX for couple years. And based on a mount which shown on my account they didnt sell my debt and do not transfer it to someone. 
I dont know where Mitchel D. Bluhm & Associates LLC got this debt. Why they sand me letter that I owe them money. I think it is scam.
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I was scammed over paypal by using friends and family to make payments. 

PayPal said they would t do anything because it does t offer protection with friends and family I thought by using a credit. and I was protected. they informed the bank that because it was a f & f that it wasn't a purchase but a money transfer and I my credit wasn't protected
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I filled my Tax return and I received my income from the IRS into my bank {$69000.00} on the XX/XX/2023. I went there to withdraw some of my money, and Citibank manager asked me where did I get the money from! And I told them that I received my tax return from the IRS. Citibank didnt allow me to withdraw some of my money, and also frozen my account. They said to me that they will close my account! On the XX/XX/2023 they sent me a notice that my accounts will be closed within 60 days. But they will return everything belongs to me when the account closes. Citibank closed my account and they sent me W9 forms on XX/XX/2023 and I filled out the forms and submitted it to them through mail. Since that I havent heard anything from Citibank. When I try to call them they will direct me to fraud department and they will be telling me that they are still investigating my money! I have called them several times but still telling me the same thing about my own money. Im frustrated now and I need your assistance to help me. I reached out to XXXX and they reached out to Citibank as well, but Citibank didnt explain anything reasonable to me. They just want to take my money now. Please help me. Im even XXXX  now and I need my money to to purchase a lot of stuff for my family. Hope to hear from you soon, Thank you.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

Nationstar Mortgage LLC d/b/a Mr. Cooper suffered a data breach where customer information was accessed by attackers. Nationstar Mortgage LLC d/b/a Mr. Cooper has failed to disclose to me what information was accessed and when. I contacted them today requesting information and was given no answers.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Nissan infinity financial services is reporting an account that is open on my credit report that needs to be closed this account was included in the chapter XXXX bankruptcy whenever I call and spoke to a representative on the telephone the representative advised me that there is account that is open also my attorney has a called XXXX way and they did the same thing we're going to take legal actions against XXXX financial and infiniti finance
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

I am not liable for this debt with charge off, I do not have a contract with TOYOTA CREDIT CORP, they did not provide me with the original contract as i requested. This account is on my credit report for more than 7 years and 3 month. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-03-24
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. (FL)

I'm in the process of buying a new home and working on building my business and the accounts below are affecting my credit profile. I have disputed these accounts with all three credit bureaus and no progress have been made. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXXI # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from buying a new house for my family and it's also stopping me from obtaining business loans and business credit cards.
Consumer complaint received 2024-03-24
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. (CA)

Today, I am lodging a complaint with you to report that I have fallen victim to identity theft. Upon researching how to address the fraudulent accounts on my credit report, I discovered the necessity of contacting the Federal Trade Commission ( FTC ) at XXXX XXXX XXXX  or visiting the FTC directly to file a report. According to the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are mandated to remove or block any accounts listed in an identity theft report. 

Attached, please find the necessary documentation to facilitate the blocking of inaccurate information currently affecting my report. Enclosed is a list of accounts/items that are not associated with me or were opened without my consent. 

As per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to block any information in a consumer 's file identified by the consumer as resulting from alleged identity theft within four business days of receipt. 

XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX and XXXX XXXXXXXX Account Number XXXX.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXXXXXX XXXX You are in direct violation of the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2024-01-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MD)

I have had a checking account with Citibank for 20+ years and also had a CD with them for the last several years that I allowed to auto-renew each year. The Citibank web site and monthly statements shows the CD current balance and does not show anything is wrong with the CD account. 

Today ( XX/XX/ ) I contacted them by phone about stopping the auto-renewal of the CD at the next maturity date ( XX/XX/ ) and was told the CD account was in an inactive status because I had not initiated any transactions for several years, other than the auto-renew. 

My Citibank checking account, managed under the same username login as the CD and titled with the same single account owner as the CD is very active ( multiple transactions per month ) so marking the CD as inactive because I haven't made any transactions in that account doesn't make sense. You don't do deposits/withdrawals against a CD account and allowing it to renew on a yearly basis is normal behavior. 

Citibank is stating that they will turn the account over to my state as unclaimed funds unless I physically go down to a branch to fix the inactive status. Even though I had verified my identity through a series of questions over the phone they stated that they could not re-active my CD account unless I visited a branch in-person which is not reasonable. 

They have my email address as well as my mailing address and have not sent me any correspondence that this was a problem- it wasn't until I called and asked about this account that I was even made aware of the issue. Citibank 's web site and monthly printed statements show the CD balance without any indication there is a problem.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXXXXXX XXXX You are in direct violation of the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE (IL)

I am writing to formally dispute the validity of an auto loan account appearing on my credit report. Pursuant to my rights under ther Fair Debt Collection Practices Act ( FDCPA ). Specially 15 U.S.C. 1692g. I am requesting detailed Validation of the debt in question.

XXXX XXXX  XXXX Owed to Primer Acceptance
Consumer complaint received 2024-01-08
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2023 I purchased a American express gift card from my local XXXX XXXX. Everything was smooth as far as loading the card and purchasing it I didn't start having issues until I actually tried to use the gift card and it declined. The card was initially activated and loaded with about {$400.00}, the card itself just will not work I don't know if it's something I missed but American express customer service XXXX  were so horrible and I'm not even the XXXX  person XXXX have this problem this is a common problem with American express gift cards because while I was trying to find other solutions to actually use the money I seen over XXXX reviews all saying and having the same issues as me. I have all receipts that shows I paid and loaded the gift card. I even have the case number they gave me if needed ive waited the whole entire XXXX  days as well that a rep from American express named XXXX said was required to do.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (DC)

upon reviewing my credit file i notice that there were two credit cards established in my name with XXXX XXXX XXXXXXXX and discover after careful review of these accounts i did not establish these accounts and they appear to be fraudulent .i have not given any one my expressed permission to establish these accounts in my name this information represents clear violation of the ( FAIR CREDIT REPORTING ACT 15 U.S.C 168I
Consumer complaint received 2024-03-24
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)

XXXX XXXX is messing up my credit report this is a prepaid card not even their Money I requested that my late fees be remove and they have made matters worse they added late fees more to my credit report, I will get a lawyer and.sue you my XXXX XXXX XXXX on XX/XX/23 and I have his death certificate to prove I XXXX XXXX Please remove all of my late marks on my credit report its private and by law is not supposed to be shown. XXXX XXXX XXXX XXXX. Youre messing up my credit. and XX/XX/23 on the account XXXX XXXX and accordance with the fair credit acthas violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting so