davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I have been requesting for my personal account bank statements and I have not received those for about 4 months now, and for my business account I have been requesting the same and they have refused to send me my bank statements. 

I was in the hospital when I came home I realized my balances were lower than expected however I was getting errors with accessing the transactions so I requested statements and have not received them. 

When I was able to access limited information I disputed via US mail some charges from my personal account and a couple days later followed up via phone. I was after less than a week my disputes were denied. Attached please find the letter I sent regarding my personal account. 

Chase practice of denying disputes in violation of CFPB regulations not only is causing me financial harm but also denying me access to banking.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

I have repeatedly tried to pay my student loan from my checking account. Each day I have tried to pay, I have received a receipt for payment. However, the student loan company has no records of any payments, and says I am past due. I should not only be up-to-date, but I should have significantly lower interest because I have attempted to pay over XXXX XXXX of my XXXX $ principal. 

Relevant dates of receipts and amounts paid : XXXX : {$600.00} XXXX : {$300.00} XXXX : {$600.00} XXXX : {$600.00} XXXX : {$400.00} NONE of these payments show up in my Nelnet account history. I have received receipts and payment confirmation numbers for each payment. Additionally, I should not have to pay interest on the principal that I have attempted to pay off thus far. This is Nelnet 's error, not mine. They have not responded to any requests.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (FL)

in XX/XX/2023, In addition to placing a call to PNC Credit Cards I visited a PNC Branch and the branch representative placed a called to PNC Credit Cards in hopes of assisting me with resolving the card. The last payment I made to the PNC Points Card ( XXXX ) was on XX/XX/2023 in the amount of {$71.00}. I did not make the XXXX payment on time and accrued a late payment ( {$27.00} ) and interest. I called PNC Customer Service in the beginning of XXXX and researched hardship options provided. I was reimbursed the late fee of {$27.00} charged for the month of XXXX as a courtesy and provided several hardship assistance options by phone and was encouraged to review the online options provided. I did not move forward with the hardhip assistance options provided by phone or online. I chose to cash out {$170.00} from the PNC Points Card ( XXXX ) Rewards and of the options provided on the PNC site, have the cash-out reward deposited to my checking or savings, I chose to have the reward money deposited in my checking account XXXX. The money was not deposited in the checking account and was applied as a balance reduction to the credit card on XX/XX/2023. The amount was not applied as a payment on the PNC Points Card ( XXXX ) and continued to reflect as late for the month of XXXX and XXXX. I made PNC Credit Card services aware the money should have deposited in the checking and not applied to reduce the balance however they were unable to acknowledge the error and/or deposit the rewards cash out balance of {$170.00} in my checking account ( XXXX ) I intended to use to make several payment to the credit card. I visited the branch representative and they were able to assist me in contacting PNC Credit Card services on my behalf and confirmed reversal of the application of the rewards would not be possible. I acknowledged I would be unable to make payment on the Credit Card. In XXXX, I then closed my PNC Checking account ( XXXX ) and PNC Savings account XXXX. PNC Credit Card services did not close my credit card account until the week of XX/XX/2023, my last visit to the branch where the representative called PNC Credit Card Services and confirmed hey had closed the account with a balance on it. I was charged a late fee in XXXX, XXXX, and XXXX of {$38.00}, I am still not certain why the fee increased from the traditionally charged {$27.00}. 

I was charged a {$38.00} late fee, again, on XX/XX/XXXX and XX/XX/XXXX of 2023 after I had confirmed the card was closed by PNC Credit Card services.
Consumer complaint received 2023-12-26
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-04-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (GA)

RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : MONEYLION INC - XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law. 


-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such. 



Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691.

MONEYLION INC has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX XXXX XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act this creditor has violated my rights. In accordance to 15 USC 1681 section 602, It states that i have the rights to privacy it also states in section 604-A section 2 consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late on an account for any purpose.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I asked the credit bureau to identify the accounts reporting, and I was sent a letter stating that everything was accurate. After refreshing my report, I found improper accuracies even after they said that they did a full sweep. 

Here are the accounts : XXXX XXXX Account XXXX XXXX. XXXX Account Number:XXXX  XXXXXXXX XXXX XXXX Account XXXX XXXX. XXXX Account XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX  XXXX Account XXXX XXXX. XXXX XXXX XXXX  XXXX Account XXXX In accordance with the Fair Credit Reporting Act Convergent Accounts listed above, 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 an account without my written instructions.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Coinbase, Inc. (KY)

I received a credit card in the mail from Coinbase. I havent open an account with them. The name listed as the account holder on the card is XXXX XXXX XXXX, XXXX isnt my middle name. It is impossible to reach a customer service person at Coinbase, they ask for the phone number associated with the account, but I dont know it, due to it being opened fraudulently.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MD)

This account was Charged off XX/XX/XXXX  which per the FCRA, the debt is no longer owed to the creditor and they will receive a tax-write off. The debt has been sold which is against the FCRA. I requested a 1099c to submit to the three credit reporting bureaus so that the account can be removed from my report, to which I have not received a response or the 1099c. Per the IRS 1099c guidelines, specifically event code 7 explicitly states that this debt is to be canceled which would have the debt removed from my credit report. 

In addition, the creditor, although this debt has been charged-off, they continue to report the account as " charged off '' each month for the last 6-months. This is in violation of the FCRA. Continuing to report the account as " charged off '' each month is 1 ) illegally re-aging the account, 2 ) inaccurately reporting to the three credit bureaus, 3 ) creating varying activity dates across the three credit bureaus. All three issues are in violation of my consumer rights to accurate reporting per the FCRA.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is in response to : COMPLAINT ID : XXXX I reached out to Bank of America regarding this complaint ( case # XXXX ) and they provided me with a confirmation they received from the alleged beneficiary bank confirming the funds have been received. I have attached the confirmation to this email. Upon opening the pdf, the beneficiary bank the funds were sent to is incorrect. The funds were indeed sent to the wrong bank per the pdf attached. I have attached my original instructions. The bank or its intermediary have sent the funds to the wrong bank and now the incorrect beneficiary is not responding to their recall request. I am now stuck because someone made a clerical error. I was hoping someone can help me bc bank of america is giving the runaround. I put the right information into my transfer and yet the Bank or its intermediary made a mistake on their end. It's not me, the client, who made the mistake but someone on their end either the bank or it's intermediary. The confirmation they have provided me with prove that the Receiver Institution on the PDF is : XXXX XXXX  XXXX XXXX with XXXX XXXX ; The BANK I instructed Bank of America to send the funds to is XXXX with XXXX XXXX ( XXXX ). Two differents institutions. I really need some help because I am still waiting 7 months later for incorrect info and the Bank of America is giving me the lip service treatment.
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

Someone use my bank account and sent out {$5000.00} by zelle XXXX through about XXXX transactions. But i was in sleep at that time. XXXX declined my claim and they said it was approved by face ID. So i guess it might be someone hacked my phone or pc If What XXXX said is true.
Consumer complaint received 2023-11-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MT)

Midland credit company called me from XXXX XX/XX/XXXX  I ignored the call and couldn't find anything online about the number Midland called again the following Monday I called back they asked for XXXX an individual who has been asked for repeatedly on my number for the last 10 years so I told them I am not XXXX. Midland then proceeded to continue calling me every day after that I even attempted to blocked their number only to then be called by XXXX and XXXX and XXXX XXXX XXXX. I reiterated that I am not XXXX again Saturday XX/XX/XXXX. I can understand accidently calling me when many others have made the same mistake till they where informed otherwise but continuing to make the mistake speaks to a failed noting system for their company.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-13
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. (GA)

I am filing a complaint due to inaccurate informations on my credit report. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : XXXX Complaint and Dispute Against XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally lodge a complaint and dispute against XXXX XXXX XXXX for their violations of federal consumer protection laws. The agency has infringed upon my consumer rights in several ways, as outlined below : 1. Failure to Provide Validation Information : XXXX XXXX XXXX Collection Agency has failed to provide the necessary validation information required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my repeated requests, they have not furnished any documentation to substantiate the debt they claim I owe. This lack of validation is a clear violation of my rights as a consumer. 
2. Reporting to Consumer Reporting Agencies : Despite their failure to validate the alleged debt, XXXX XXXX XXXX XXXXXXXX XXXX has unlawfully placed a collection account on my consumer report. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), they are prohibited from furnishing any account information to a consumer reporting agency without first providing all required disclosures and validation. This action has adversely affected my credit score and financial standing. 
3. Denial of Dispute Opportunity : I have not been given the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The agency has not informed me of my right to dispute the debt within the specified period, further violating my rights under federal law.

4. Use of Deceptive Practices : XXXX XXXX XXXX XXXX XXXX has employed false, misleading, and deceptive means to collect the alleged debt. Their actions constitute a clear violation of consumer protection laws and have caused me undue stress and inconvenience. 
Given these violations, I hereby dispute owing any debts to XXXX XXXX XXXX XXXX XXXX. Furthermore, I revoke all rights for them to communicate with me through email, text, or calls. I request that they provide the following documentation within 30 days : * Debt validation and verification of the alleged debt. 
* The purchase agreement between XXXX XXXX XXXX XXXX XXXX and the original creditor. 
* Proof of XXXX XXXX XXXX XXXX XXXX 's licensure and bonding status. 
I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against XXXX XXXX XXXX XXXX XXXX to ensure compliance with federal laws. Additionally, I ask for the immediate removal of the collection account from my consumer report and any other appropriate remedies. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (CA)

I have contacted Barclays ban/gap card several times regarding an unpaid debt : I was dealing with XXXX XXXXXXXX and my credit and finances were used without my consent. Barclays contacted me several times but I was unable to pay. I have been contacting Barclays since XXXX of last year 2022 to settle the debt. I have been told on several occasions that the account was sold to another creditor and that I would have to wait until I am contacted. I have never been contacted and this is causing a hardship on me because I am trying to rebuild my own life as well as my children. I cant do that because this debt is holding me back. I cant pay it because for an entire year Barclays Bank cant even tell me who has the account. Ive been told by Barclays representative to call back constantly because they may get the account back. Every single time that I fall Barclays Bank has no information for me. However they wont remove the debt. I dont know what else to do.