davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO Bank, N.A. (NH)

BMO took over an account from Bank of the West for a RV loan. They reported missed payments to the credit bureaus. They reported a new loan rather than a transfer. Both are inaccurate information and affected the credit score. I have proof that all payments were made on time.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I had a car loan with XXXX XXXX XXXX XXXX and 2 large payments a few months apart XXXX to {$3000.00} and it showed it was delinquent and I didnt realize it would affect my monthly payment status so Im trying to have this removed from my credit port the loan was paid off early.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Property Receivables, Corp (IN)

i moved out of an apartments ' in XXXX in XXXX XXXX in XX/XX/XXXX to wrote me that am owing {$510.00} after several talk they throw it into my record. in XX/XX/XXXX i paid the money in full to avoid bad record. i got a receipt from XXXX XXXX XXXX that my debt is settled in full. in XX/XX/XXXX i received another alert that my account is flag for collection from collectech by the same appartment people. i moved out of XXXX in XX/XX/XXXX to XXXX i don't have any other deal with this people since then. 

please note that this apartments was named XXXX XXXX later it was change to XXXX XXXX later the management of XXXXXXXX XXXX XXXXs bought XXXXXXXX XXXX and it was changed to XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (MO)

I informed them i was not moving into their apartment complex at the end of XX/XX/2023, I never moved into the apartment. The property manager i spoke with whose name is XXXX XXXX with the XXXXXXXX XXXX XXXXXXXX, sent me an email explaining that she recognized that i didn't take ownership of the property and that There is a charge on my credit report for {$3900.00}. Therefore she understood that i should have never been charged. I informed her that this was an issue affecting my credit. XXXX acknowledged this was an error that should have never been on my credit report.
Consumer complaint received 2024-07-11
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: CBC Companies, Inc. (KY)

I have asked XXXX to investigate these violations of my consumer rights, which are not In Accordance With ( IAW ) the FCRA, and XXXX has not. The following accounts are reporting as Charge Offs updating every month ( some are closed and showing a Balance, or Transferred with no reference ), which does not meet the requirements of the FCRA. This specifically violates FCRA laws 15 U.S.C. 1681c ( a ) ( 5 ) : Resetting the Statute of Limitations on this debt. XXXX is also allowing other companies to report erroneous and inaccurate data. XXXX is causing me great stress in my life and is damaging my credit by falsely manipulating the statute of limitations on these accounts. This is not IAW with the laws of Fair Debt Collection Practices Act ( FDCPA ). This is also deceptive credit reporting and the fact that XXXX ignores this inaccurate reporting by other Credit Reporting Agencies is unfair reporting. XXXX must also ensure 100 % accuracy in reporting, and it is not per the FCRA. XXXX is reporting the following accounts as New Charge Off accounts every month : XXXX XXXX- Acct. # XXXX, XXXX XXXX XXXX Acct. # XXXX, XXXX Acct. # XXXX, XXXX, Acct. # XXXX, and XXXX XXXX XXXX- Acct. # XXXX. There is also inaccurately and Missing Payment History information on these accounts, and Account Status as " Derogatory '', which is also a violation of the FCRA. It's my understanding that charged off accounts should not include an active payment history ( updating every month ). The FDCPA prohibits debt collectors from using deceptive, misleading, or harassing practices in their collection efforts. I am demanding the deletion of these accounts off my credit report. A Charged Off account should not have a Balance, nor should it have an active payment history. There are Billing Errors according to 15 U.S.C. 1666 ( b ) : Creditors can not treat a payment as late for any purpose. These violations and oversights on the part of XXXX warrants Deletion of every one of the accounts listed above. Delete these accounts now and mail me a corrected copy of my credit report.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

This is in reference to Wells Fargo case number : XXXX. 

On XX/XX/XXXX, I noticed my small business account balance was {$0.00}, and my account was closed. I contacted the bank and they said they closed my account because the physical address on the account was a XXXX XXXX XXXX. They said they sent notices to the XXXX XXXX XXXX twice requesting the address be updated, then they closed my account and sent a cashier 's check out for the balance of the account. 
They confirmed they did not send any notices to my email address, mailing address, or attempt to call me. The address they had for my physical address contradicts with the records I have at Wells Fargo. 
I told them it was fraud because my address was not a XXXX XXXX and requested they cancel the cashier 's check and reopen the account. They told me they could not cancel the cashier 's check and could not reopen the account. I told them I am out of the country, I can not go into a branch, I do not have access to money because they closed my accounts. I made it clear someone committed fraud. 
I requested records of when and how the address on my account was updated. They told me they do not have the records.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

Ive received 5 remediation letters for unauthorized services from Wells Fargo. I called the number and was told I would get checks for each of them, including extra checks for being unhappy. They said the checks would arrive in 20 days. This was in late XX/XX/XXXX. I called today, XX/XX/XXXX because I havent received a single check. They say that theyve been delayed and have no idea when they will go out.
Consumer complaint received 2024-02-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

We closed my chase account about XXXX weeks ago by now. I am currently waiting still to receive my {$1000.00}. They have told me that my checks through the state of California ( which they should be able to validate on their own end since it's the STATE ) and from XXXX XXXXXXXX XXXX XXXX. I have got corporate involved and even the payroll manager on a three way call and Chase keeps saying that the number isn't " verified ''. However, on XX/XX/year>, I was on the phone with chase and they were going to verify the number we provided after speaking two hours to them. Once they tried to call ( after XXXX ), they were already closed so Chase told me to call back today ( XX/XX/year> ). Now when I called today, they told me that the same number that we agreed upon yesterday is no longer verifiable... So now I am just trying to figure this out and I even told them I know you guys record your calls, so take a listen at the conversation I had the day prior! I am just looking to see how I can resolve this and I was recommended to you guys! I have also included the payment confirmations/verifications from the state of California.
Consumer complaint received 2023-06-08
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. (NC)

XXXX XXXX XXXX  Incorrect phone number And Address zip code ending in XXXX I was unaware that my information was used Such as my social security number Email address I received an alert from XXXX XXXX that my information was used on the dark web This alert is from XXXX XXXX that reports from Transunion I have made multiple complaints with transunion about fraudulent and misleading information reporting on my credit profile
Consumer complaint received 2023-10-11
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
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: EQUIFAX, INC. (NV)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a matter of great concern related to my Department of Education/Nelnet student account. It has come to my attention that there are potential violations of the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974.

I believe that the Department of Education and Nelnet, the loan servicer, may have violated my rights under these federal statutes. FERPA applies to any public or private elementary, secondary, or post-secondary school, as outlined in 20 U.S.C. 1232g ( b ). The FCRA, found in 15 U.S.C. 1681, regulates the collection, dissemination, and use of consumer credit information. Additionally, the Privacy Act of 1974, codified in 5 U.S.C. 552a, safeguards the privacy of individuals ' personal information held by federal agencies.

I am particularly concerned about the recent practice of Nelnet reposting transaction history to my credit report. This unauthorized reposting of transaction history has had a significant impact on my credit standing, and I believe it constitutes a violation of the FCRA and FERPA.

Despite my efforts to address these concerns directly with the Department of Education/Nelnet , I have encountered significant challenges in obtaining a satisfactory resolution.

I am seeking the Consumer Financial Protection Bureau 's intervention to investigate these alleged violations thoroughly and ensure that my rights are protected and upheld under FERPA, FCRA, and the Privacy Act. I believe that a comprehensive review of the matter will shed light on the potential breaches and facilitate a resolution.

Enclosed with this letter, you will find copies of relevant documents of my credit score.

I kindly request that you conduct a thorough investigation into this matter and take appropriate action to address any identified violations under FERPA, FCRA, and the Privacy Act.

Thank you for your prompt attention to this issue. I look forward to a resolution that ensures the protection of my rights under these important federal statutes.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was approved for a Capitol One Quicksilver Card. I never received the card in the mail. On XX/XX/XXXX, I received a text message asking if a charge for {$300.00} for XXXX XXXX XXXX was authorized. It was from Capitol One. I texted " No '' then went onto my account and noticed there was about a dozen fraudulent charges in the last few days. 

I called Capitol One to report the card as stolen and to report the fraudulent charges. They temporarily reversed the charges ( which total around {$520.00} ) and consist mostly of back-to-back fast food orders, a large purchase at XXXX, and a large purchase at XXXX... 

They just sent me a letter yesterday saying they've concluded their investigation and don't consider it fraud because " Information we discovered leads us to believe you or another account user benefitted from the transactions '' I never received this card nor used this card. Their investigation must be incomplete or faulty because there is no possible way to come to that conclusion. 

I am also filing a police report. Please help me.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (ND)

I did not give this company the right to do background checks. 
and I do not know who is put in my public record, what is this company doing in my public record share my information with who. 
All I know is that the company monitors people. 
I am very concerned about the existence of this company me public records in my account XXXX
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Consumer Financial Protection Bureau Subject : Formal Complaint - Account Closure without Explanation Dear Consumer Financial Protection Bureau , I hope this letter finds you in good health. I am writing to bring to your attention a matter of great concern regarding the recent actions of Chase Bank, which has left me in a state of distress and uncertainty. My name is XXXX XXXX, and I have been a loyal Chase customer for over two decades. 
On XX/XX/2024, I received a letter from Chase notifying me of the closure of all my bank accounts without providing any specific reason for this decision. In an attempt to seek clarification and resolve this matter, I personally visited the XXXX Chase bank branch and engaged with customer services representatives. Unfortunately, I did not receive any satisfactory answers or information explaining the grounds for the closure of my accounts. 

As a devoted customer for more than 20 years, I find the lack of transparency and communication regarding the closure of my accounts to be highly unethical. The sudden and unexplained termination of my banking relationship with Chase has created significant challenges for me, both emotionally and practically. 
I believe that, as a consumer, I have the right to know the reasons behind the closure of my accounts. The absence of any explicit information from Chase has left me in a difficult position, making it extremely challenging for me to transition my banking affairs smoothly to another institution. 

I am submitting this formal complaint to request your intervention and assistance in resolving this matter. I kindly ask for a thorough investigation into the circumstances surrounding the closure of my accounts and, if possible, for your support in obtaining the necessary information from Chase. 

I appreciate your attention to this serious issue and kindly request that you contact me at XXXX consumer XXXX discuss this matter further. Your assistance in resolving this complaint is crucial in restoring my confidence as a consumer and in upholding the principles of fairness and transparency in the financial services industry. 

Thank you for your prompt attention to this matter, and I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2024 at XXXX est I received an alert from XXXX XXXX and an email from XXXX stating I had a hard inquiry from SYNCB/Sam 's XXXX  ( Hotel and Travel ). I did not iniate this inquiry and contacted XXXX. I placed a freeze on my account and was told I need to get a report from the FTC and write a letter to have the inquiry removed. 

I spoke with a rep at Sam 's credit and my ssn was searched and no record of an account or application. Rep said they will file a dispute with XXXX XXXX to have it removed and I will recieve within 30 days.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

Last XXXX months inquiries and credit checks for credit cards have been run without my consent. I have not applied for anything. This is fraudulent activity. Already have police report submitted and FTC fraud complaint I sent to all XXXX bureaus and no resolution
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (TN)

I am reporting US Bank and all its affiliates because of the fact that these people are literally telling me they denied my claim of identity theft because one or more of the documents I used to show my identity were supposedly some of the documents used to open the accounts.HELLO!!!! THATS WHAT IDENTITY THEFT IS!!!!!! ITS WHEN SOMEONE STEALS YOUR PERSONAL INFORMATION TO AQUIRE GOODS OR SERVICES!!!! Of course they used my SSN card.IT WAS STOLEN ALONG WITH MY DRIVERS LICENSE, CREDIT CARDS, DEBIT CARDS, PASSPORT, etc.WHICH ALL WERE IN MY WALLET WHICH WAS STOLEN FROM ME!!!!! I already detailed that to this company and they STILL act like it wasnt fraud!!! I HAVE MEVER HAD US BANK A DAY IN MY LIFE!!!! And after this whole ordeal, I never will! I just want these fraudulent accounts removed immediately before formal litigation commences against them. This isnt a joke anymore, You all havent provided the slightest bit of proof that these accounts are mineand you never will, because I never opened any of these.!! There is a reason I am getting all these fraudulent accounts removed.!!! Because after investigations its pretty clear and obvious its not me opening them.!! And this is no different!!!
Consumer complaint received 2023-10-11
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. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I have a complaint already against this company for other issues, however, I realized that Capital One Bank is charging interest on accounts that I already paid off in full, this has happened on two accounts that are also a part of the other complaint, however, I realized that after paying 2 of my accounts off, and was going to close them because of the unethical treatment and illegal measures they have been doing to myself and my accounts. You cant charge interest on an account or accounts that are paid in full, this is simply illegal. I expect them to pay these fees as, I paid both accounts off, they were at XXXX not being used, and I was going to close them, and they charged illegal interest on both of my accounts. They are breaking banking, credit and fair credit rules and this is simply not ethical. Its wrong, its illegal.
Consumer complaint received 2023-05-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had several credit inquiries conducted on me recently, and a credit line was opened using my name, but NOT BY MY REQUEST, apparently were identify theft issues. These credit inquiries were from : XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX CREDIT INQUIRY CAP ONE NA on XX/XX/2023 A charge card account was actually approved by the XXXX  ( XXXX XXXX XXXX XXXX  ) on XX/XX/2023, and a request to change mailing address for this fraudulent account was submitted by the offending party. I have contacted XXXX to request the account be cancelled.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX