davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc. (CA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-09-01
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. (GA)

In disdain of multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft.I am pleased to request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (TX)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$180.00}
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I did not authorize these inquiries on my credit report. Please remove immediately. 
XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  -XXXX  XXXX, XXXX Capital one - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX Capital One - XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Capital One - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX XXXX  - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX 2022
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

On XX/XX/2024, I wired {$160000.00} from my Attorney Client XXXX XXXX business account at XXXX XXXX  to my business account at BMO. On XX/XX/2024, I personally went to the BMO branch where my business account was opened, and I asked them to wire the funds to XXXX XXXX. I was not told that BMO did not allow their customers to wire to XXXX XXXX. XXXX XXXX  sells cryptocurrency. It is a bank in West Virginia. Its products are not limited to cryptocurrency. I was wiring the funds to a cash account - not a cryptocurrency account. In any event, the outgoing wire was cancelled, and my account was " flagged for fraud. '' My BMO business account has been frozen since then. The XXXX XXXX XXXX account money is at BMO, but BMO will not allow me to access it. They will not allow me to close my account. They will not send the trust funds back to XXXX. They have stated they have up to 90 days to conduct a " fraud investigation '' and that there is nothing I can do to access my funds. There was no fraud involved whatsoever. They will not allow me to speak with their fraud investigator. They will not allow me to speak to the " analyst '' handling the file. I need your assistance in getting BMO to unfreeze my account, allow me to access the funds, and then close all of my accounts at BMO.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (AL)

On or about XX/XX/year>, I attempted to use Cash App to send funds to someone. The transaction was declined although there was enough money already on my cash app to make this transaction. I then attempted to close my cash app out and try again and received the same message of the transaction being declined. At this time I attempted to withdraw my funds and received the same message that it was declined. I reached out to Cash App support and they advised they could not provide any information that it was escalated to their specialty team and I should wait for an email within 7 days. I waited until XX/XX/year> and reached out again and was told them same thing. So I waited XX/XX/year> and reached out again and the support team member told me that he had no update and was disconnecting the Chat. I reached out the via phone the next day and requested a manager and was told that one would contact me back. I waited patiently and 3 days later I received an email from a " no reply '' email that stated " your issue has been escalated, and you will receive an update as soon as possible '' - management team. I waited until XX/XX/year> and reached back out and received the same response that they couldn't provide an update. I then received an email on XX/XX/year>, that stated that " referring to your recent complaint, we want to inform you that it will tkae longer than the original time frame of XXXX business days to resolve. You can expect to receive our response within XXXX business day from today. '' Although it had already been much longer than 15 days. I reached back out again on XX/XX/year> and received the same answer that the " Specialty Team '' has not provided an update. I have requested that they release my money to me and just close the account and I was told they couldn't do that either.
Consumer complaint received 2023-12-05
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute the late payment charges applied to the following accounts : * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX I believe the late payment charges on these accounts are in error based on my understanding of the consumer rights and protections outlined in the U.S. Code : * Definition of Credit Card ( 15 U.S. Code 1602L ) : A credit card is any card or credit device used to obtain services on credit. I have always adhered to this definition.

* Requirements for Over-the-Limit Transactions ( 15 U.S. Code 1637B ) : I did not opt into any over-the-limit plan, and any related fees should not be applied without my explicit consent.

* Accuracy and Fairness ( 15 U.S. Code 1681 ) : I request a review of the accuracy of the late payment charges and their fair application.

* Timing of Payments ( 15 U.S. Code 1666B ) : The periodic statements did not provide the mandated 21 days before the payment due date, making the late charges unjustified.

I kindly request a detailed review of the charges on the aforementioned accounts. If found to be in error, I ask for their removal and correction of any negative reporting to credit bureaus.

Please respond within 30 days, confirming the resolution of this dispute. If the response is unsatisfactory, I will consider further legal action.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OH)

Dear KeyBank, I am writing to express my concern regarding the recent restrictions placed on my KeyBank accounts. Since opening my hassle-free checking account on XX/XX/2024, I have expanded my relationship with KeyBank to include four accounts : one checking account, one credit card account, and two savings accounts. 

Despite my commitment to maintaining these accounts responsibly, I was surprised to find that my accounts have been restricted, and a fraud alert has been placed. I assure you that I have conducted no fraudulent activity with any of my KeyBank accounts. 

Given my trust in KeyBank for my financial needs, I am eager to understand the reason behind these restrictions. Additionally, my access to online banking and other account functionalities has been XXXX, preventing me from accessing my funds. 

As of today, XX/XX/XXXX XXXX XXXX XXXX XXXX, I am unable to perform any transactions or view my account information online. This situation is causing significant inconvenience, and I request an immediate response to clarify the issue and restore full access to my accounts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-05
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. (FL)

My XXXX XXXXXXXX XXXX card was stolen and I reported it to the credit card company. There were fraudulent charges on the account and I reported this to XXXX XXXX XXXX XXXX but instead of fixing the problem they closed the account and reported it negatively on my credit file. Whenever I dispute the account all the credit bureaus do is place the account status as under investigation and alter the past due amount reported and now they have marked this as a charge off account. I never received a 1099-C form in connection to this charge of status from XXXX XXXX as well. Under 15 U.S.C. 1692g validation of debt I don't recognize the account status, the account high balance nor to I recognize the late payments associated with this account. Everything being reported does not meet the FCRA. Also as a victim of fraud I should be protected under 15 USC 1644 being that I did not authorize the charges made on this credit card below. I filed a identity theft report with FTC as well and provided a copy to all 3 credit bureaus but they refused to assist me. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$24.00}, XXXX written off. {$24.00}, XXXX past due as of XX/XX/XXXX.
Consumer complaint received 2024-05-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Quinn M. Kofford, P.C. (UT)

I was served by a debt collector on some bill i have no clue what it's about or if it was me. 

when I responded to this summons this guy claims XXXX and said i made payment arrangements with 18 % interest rate that's not something I would agree to. 
nor does my bank record state this. I called them they don't respond.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am writing to file a formal complaint regarding a collection account labeled CAPITAL ONE Account Number : XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-12-05
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. (MS)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scott Fetzer Financial Group Inc. (GA)

on or about XX/XX/year> I was notified by XXXX that United Consumer Financial SVC had up dated a debt of about {$3100.00} owed and did not identify the source of this debt. I disputed the information with the bureau and they still verified that it was mine based on address soc, etc.I sent a letter to XXXX to request a copy of the contract w signature and no returned response. ive filed complaint w the XXXX  as well the FTC. I know that there was a data breach at the XXXX XXXX and other financial institutions I have done business with but not certain if this was or is the cause.
Consumer complaint received 2023-12-05
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. (NV)

I submitted a dispute to Experian, XXXX, and XXXX on XX/XX/XXXX and now again on XX/XX/XXXX. The bankruptcy information came back as verified or accurate and this is not correct.I informed them that the public records information should be removed due the laws below. 
15USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to any of these bureaus to obtain this information.

Also, 15USC1681 ( q ) states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. without written consent of this information makes obtaining this information under false pretenses from the agency or its furnishers.

18USC1028a ( 1 ) states that ( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

The courts have informed me that this information was not reported to the credit bureaus and therefore this information can not be updated or accurate if the source is not furnishing this information. without written consent of me the consumer this information is not lawfully furnished on my credit report. which is a violation of my rights. I request that this information be removed immediately. 

U.S. Bankruptcy Court Type : Chapter XXXX Bankruptcy Status : XXXX Reference # : XXXX Asset Amount : {$0.00} Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX Liability : {$0.00} Exempt Amount : {$0.00}
Consumer complaint received 2024-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (DE)

On XX/XX/24 I received an email from the BMO Alto informing me that my account was updated to delete account freeze. When I attempted to log in, the account was indeed unfrozen. I then requested all my funds to be transferred to my XXXX checking account choosing the " Now '' button for the timing of the transfer. I understand the " Now '' button to mean the next business day. I have had this issue before. Today, on XX/XX/24, I looked for the transaction to have gone through hoping to see my funds in my XXXX checking account. The money was not there so I called BMO Alto to inquire and they told me the account was frozen. I told I got an email saying it was no longer frozen. To this they responded that I should call their fraud department. When I spoke with them, they said the account was no longer frozen. 
I told them my transfer didn't go through and they said it should go through but they had no idea when. This is my third complaint about this company. All I want to do is be rid of them.
Consumer complaint received 2023-11-01
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. (IL)

I am writing to formally dispute the late payment charges applied to the following accounts : * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX I believe the late payment charges on these accounts are in error based on my understanding of the consumer rights and protections outlined in the U.S. Code : * Definition of Credit Card ( 15 U.S. Code 1602L ) : A credit card is any card or credit device used to obtain services on credit. I have always adhered to this definition.

* Requirements for Over-the-Limit Transactions ( 15 U.S. Code 1637B ) : I did not opt into any over-the-limit plan, and any related fees should not be applied without my explicit consent.

* Accuracy and Fairness ( 15 U.S. Code 1681 ) : I request a review of the accuracy of the late payment charges and their fair application.

* Timing of Payments ( 15 U.S. Code 1666B ) : The periodic statements did not provide the mandated 21 days before the payment due date, making the late charges unjustified.

I kindly request a detailed review of the charges on the aforementioned accounts. If found to be in error, I ask for their removal and correction of any negative reporting to credit bureaus. 
Please respond within 30 days, confirming the resolution of this dispute. If the response is unsatisfactory, I will consider further legal action. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX