davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

Transunion Report. 

Address : XXXX XXXX XXXX XXXX, XXXX, Illinois, XXXX Phone number : XXXX XXXX XXXX Website www.transunion.com 1. in accordance with the Fair Credit Reporting act XXXX  Account number 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. 2. in accordance with the Fair Credit Reporting act XXXX Account number 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. 3. in accordance with the Fair Credit Reporting act XXXX Account number 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. 4. in accordance with the Fair Credit Reporting act XXXX Account number 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. 5. in accordance with the Fair Credit Reporting act XXXX Account number 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.
Consumer complaint received 2023-12-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc. (SC)

Nature of the Complaint : Service Issues Complaint Description : I, XXXX XXXX, have been a consumer of Afterpay since XX/XX/XXXX. Over this period, I have successfully completed over XXXX purchases with Afterpay, demonstrating a consistent and reliable repayment history. All these purchases, including my last one which was settled before its due date of XX/XX/XXXX, have been paid in full. Previously, my spending limit with Afterpay was above {$1200.00}. However, unexpectedly, this limit was reduced to a mere {$50.00} during the XXXX shopping period. This reduction came as a surprise, especially since my last two purchases were paid on their respective due dates, and there was no justifiable reason provided by Afterpay for this significant reduction. 

Upon contacting customer service, I received an unsatisfactory response that failed to adequately address or rectify the situation. Afterpay 's statement indicated a payment due on XX/XX/XXXX, which was paid on XX/XX/XXXX. However, this does not consider potential banking errors or the customary five-day grace period typically afforded by credit agencies. It is also important to note that there have been no instances of collection actions against me for late payments, affirming my consistent record of timely settlements. 

Afterpays explanation that the spending limit is a dynamic measure influenced by repayment history does not align with my demonstrated pattern of reliable and timely repayments. Their system marked a payment as late despite it being within the grace period and failed to consider the overall positive history of my account. 


I am submitting this complaint to the Consumer Financial Protection Bureau for further investigation, as I believe Afterpay 's actions violate fair consumer practices and lack transparency in their credit assessment processes. 

Attachments : Copies of communication with Afterpay and the XXXX XXXX XXXX Record of transactions and payments with Afterpay
Consumer complaint received 2023-12-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (PA)

I am an international  XXXX  and I opened this Chase account at XXXX when I was a freshman. At XX/XX/XXXX, they closed both my checking and saving account for no reason. I called them but they just told me to wait. My Checking account number is XXXX, and saving account number is XXXX.
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CT)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Consumer complaint received 2023-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Recently, I opened a Citibank account brand new just had my direct deposit switched over from my employer. Currently, the home I live in is my fathers name however, I make all the mortgage payments and I handle the homeowners policy.. Recently recently I had a renewal on my homeowners policy and they sent me a refund check in the amount of {$520.00} my father, signed the check over to me because technically its my money since Im the one that pays the policy and the mortgage. I decided since it was a brand new account I was gon na put some money in the savings and mobile deposited the check to Citibank. They accepted the check. I think they gave me {$100.00} upfront available and the next day the remainder of the balance was available. Believing that I had this available. I went ahead and spent money on XXXX presents and so forth. Now here it is two days before XXXX  and Citibank freezes all of my accounts with all of my money. I have no money for gas. I have no money to buy XXXX dinner. I have absolutely nothing. I was not notified about this hold or freezing my accounts. I went to login and everything was gone. My accounts were completely disappeared out of my app. I cant get any answers. They told me 24 to 48 hours that was two days ago I called today theyre telling me 24 to 48 hours. I explained I have no money not even any gas money I asked them whats the expectation of what will be the outcome they cant give me an answer my direct deposit that I just newly had switched over to them is going to hit next week and I dont even know if Im going to have access to it no one will give me any answers. They barely speak English over in the XXXX. I tried counting, contacting somebody in the United States And had a branch manager contact them they are requesting that me and my father go into the branch together which is 10 hours away because the closest one is either XXXX XXXX or XXXX. They have closed all their brick and mortar locations. And are mostly online, but they wont accept documents online to resolve the issue. They want us to drive 10 hours on XXXX weekend to go down there. I am just livid. This is unacceptable in every fashion and theres absolutely nothing that I can do about it. I live paycheck to paycheck and theyre putting me in financial distress a few days before XXXX. Its disgusting and I cant get any answers and I need help.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (DC)

ESCALATION OF FORMAL COMPLAINT AGAINST LEXISNEXIS FOR NON-COMPLIANCE WITH FEDERAL CREDIT REPORTING REGULATIONS. 

I am writing to escalate my complaint, originally filed on XX/XX/ ( CFPB Complaint ID : XXXX ), against LexisNexis for their failure to adhere to the mandates of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Metro 2 Compliance Guidelines. These regulations are instrumental in safeguarding the accuracy and integrity of consumer credit information. 

In response to my initial CFPB complaint, 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/. 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. 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. 

The FCRA ( 15 U.S.C. 1681g ) explicitly guarantees consumers the right to access their credit information upon request. LexisNexis 's continual denial to provide access to my consumer profile contravenes this provision. Furthermore, their apparent disregard for the Metro 2 Compliance Guidelines, which are critical for the standardization and precision of credit reporting, compounds their non-compliance. 

The inconsistency in LexisNexis 's identity verification process, as evidenced by the conflicting requirements in their email compared to their website guidelines, suggests a breach of the FCRA and FACTAs transparency and accuracy mandates. This incongruity and the resultant delay in resolving my original complaint strongly indicate the use of stall tactics. 

Given these circumstances, I implore the CFPB to initiate a comprehensive investigation into LexisNexiss practices for compliance with the FCRA, FACTA, and the Metro 2 Compliance Guidelines. I seek an immediate correction of my consumer profile and appropriate measures against LexisNexis for their apparent non-compliance and negligent handling of consumer data. 

Enclosed, please find copies of all pertinent correspondence and documents for your review. 

I appreciate your prompt attention to this pressing matter and await your swift and decisive action to rectify these significant issues.
Consumer complaint received 2023-12-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I deposited a fraudulent check then realized it was fake. i disputed the transaction on my account, went to a chase bank branch and they said they couldnt do anything. i called customer service and the fraud department and once again was told they cant do anything. i am in the negatives of over XXXX dollars despite not using the check and taking every necessary step to keep the transaction from actually going through.
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
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 (LA)

I received two American Express prepaid gift cards from work in the amount of {$100.00} each. One in XXXX for a XXXX gift and one in XXXX as a XXXXXXXX XXXX I have tried to use the cards at several locations without luck. The payments wont go through. I now have {$200.00} worth of gift cards that wont work. 

Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After research and talking with fellow coworkers, this seems to be a VERY common problem. 
Please can someone look into this. Email is my best form of communication.
Consumer complaint received 2023-12-06
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

XX/XX/2023 - I opened a dispute, case ID XXXX with citi card for a purchase for {$9700.00} made on XX/XX/XXXX at a merchant named XXXX XXXX after unsuccessful attempts of getting a refund from the merchant for a purchase which I canceled well within the cancelation policy. 

XX/XX/2023- Citi requested additional details and proof of purchase and cancelation to show it was canceled within the cancelation policy. I provided the documentation and Citi acknowledged the receipt of the documentation. 

XX/XX/2023- Citi contacted the merchant and issued a conditional credit. 

XX/XX/2023- Merchant responded with false information that they shipped the item with no proof of shipping - no tracking number or proof of receipt. 

XX/XX/2023- Without even reviewing what merchant provided carefully, Citi resolved the dispute in merchant 's favor and sent me a letter asking me to confirm. 

XX/XX/2023 - I provided the updated and additional details of how the watch was canceled and proof of all email communications clearly showing merchant acknowledged the cancelation and mentioned they have a system issue and cant refund my money even after almost 4 months of cancelation. 

XX/XX/2023- Citibank still hasnt issued a chargeback even when it is clear I never received the item I paid for using citi card. 

At this point, I'm even past eligibility for purchase protection feature with Citi card as my purchase is older than 90 days due to Citi 's inability to resolve the dispute in a timely fashion.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

I had an account thar I had with td bank for years. I received a fraud phone claiming it was td bank stating that I had 2 debit card transactions on the account and they said they will close the card and they did not. So I called the td bank fraud demand they restricted the account but on XX/XX/XXXX they wanted to end the relationship with me. So I opened a new account and the Manger at the XXXX XXXX branch said it was cleared and I opened a new account. The account today was restricted by the branch for no reason. The bank does not care. Now I have to go to the bank again and find out why they want to close it. I also get a direct deposit on Thursday and money tomorrow.
Consumer complaint received 2024-02-25
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 (MD)

This is regarding CAPITAL ONE AUTO FINANCE account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither XXXX, XXXX, XXXX, or Capital One Auto Finance can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Consumer complaint received 2023-12-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (CA)

I applied for the SAVE payment plan with Nelnet in both XXXX and XXXX of 2023. My application has not been processed after countless requests to Nelnet that they do so. I submitted a formal complaint with the consumer finance department on XX/XX/2023. In response to that complaint I received a letter from Nelnet dated XX/XX/2023 requesting that I make a payment of {$5.00} for my SAVE application to be processed. I have made that payment on the Nelnet website. In addition to that payment request on XX/XX/XXXX, Nelnet has removed my account from the IBR ( income-based-repayment ) plan that I have been on over XXXX years! They have moved my account to the standard payment plan. This was not my request. My request was to have my account transferred from the IBR plan to the SAVE plan ; which has still not occurred. In sum, not only has my SAVE application not been processed, but I have now been removed from the IBR plan all together which will have an incredibly detrimental impact on my student loan account that ( according to my records ) has been in repayment for over twenty-five years! Please help!
Consumer complaint received 2023-12-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (OH)

Received a phone call from this number and they used a local number and they are based out of Pennsylvania. So immediately, they start off with deception practices. They man that called stated the debt was sold to them and that they basically were calling to collect on said bill. I have provided net credit with a POA from the payday loan debt company used to pay them through along with a police report of identity theft showing that the company I signed the POA was a scam. They took over {$3500.00} from me and stated they paid XXXX. They also sent documentation that XXXX agreed to the payment amount on the POA. When I contacted XXXX, they stated this was indeed not from them along with the payoff letter I received. I filed a police report and submitted that as well. In accordance with the Fair Credit Reporting act NCB Management Services has violated my rights15 U.S.C 1681b ( a ) ( 2 ) [ 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 data of an account without my written instructions. The company is falsely accusing me of owing them {$6200.00} for a {$2400.00} loan that has been paid off and XXXX refuses to remove it from my credit report. They are in direct violation to 15 U.S.C 1692 C ( a ) 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. They may not contact me further because this debt has been pain in full.
Consumer complaint received 2023-12-22
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: LEXISNEXIS (OH)

I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
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: LEXISNEXIS (FL)

I am requesting you again to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX