davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

I was charged a {$550.00} annual fee on my American Express Platinum card on XX/XX/2020. Then, on XX/XX/2020, American Express closed my account due to a payment that was 30 days late. I called customer service in XXXX to ask if they could credit the late fee but they were unwilling to do so. I gladly paid the {$550.00} fee for access to American Express card benefits, but the benefits were unavailable once the company closed my account. If I had closed the account voluntarily, American Express would have refunded or prorated the annual fee, so I believe they should do so in this case as well. Can you please assist with this?
Consumer complaint received 2021-04-02
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. (LA)

This is a formal dispute and request to remove late payments from my credit report.The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear.I have outlined it below : Section 623 ( A ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information.My research has found this notice is typically found on monthly statements, however : 15 U.S.Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative Information ( E ) Use of notice without submitting negative information. No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 

Additionally, FTC Advisory opinion to XXXX ( XXXX ) states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information. A person who regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

As you can see the law and FTC opinion state that you, the furnisher, are Not legally bound to report any negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of the late payments.
Consumer complaint received 2023-05-02
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. (GA)

My name is XXXX XXXX ... the living human being, I am submitting this on my own behalf..no credit repair company..no attorney ... .this is my knowledge of the Fair Credit Reporting Act. I recently submitted to all 3 bureaus that my credit reports contain fraudulent accounts, I submitted all correspondence proving that these accounts are fraudulent yet the bureaus continue to send me reports claiming that these accounts belong to me without any PROOF! I know it's frivolous, hoping that I go away and accept this fraud. The consumer financial protection bureau know first hand that these companies work for the CORPORATE wolves! I demand that these bureaus, EXPERIAN, XXXX AND XXXX are forced to do their jobs! In accordance with the Fair Credit Reporting Act XXXX  accounts # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX, # XXXX XXXX  XXXX, # XXXX XXXX XXXX, # XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECION 2. STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

Every account listed above has been put on my credit reports fraudulently and I demand they every one of them is deleted immediatley! the Law is clear and all 3 of these Credit reporting agencies are clearly in violation of the law and I am prepared to do everything I need to do by LAW to hold them accountable! Every violation holds a monetary value that I will pursue in the courts.
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP (NY)

I closed all of my accounts with Key Bank a total of 3 accounts on XX/XX/XXXX. I received a letter in the mail on XX/XX/XXXX saying that I has been over drawn {$110.00}. I was never contacted about this issue from Key Bank. When I called the number on the letter they said the account ( Checking ) was not closed properly and that it was my problem and there was nothing they could do for me. The XXXX XXXX branch has giving my husband ( XXXX XXXX ) a hard time for the past 3 years to go in to the branch and cash checks & deposit his XXXX checks into my account. We know protocols are for cashing checks if not on the account ( 2 forms of ID & a {$7.00} fee ) he had 4 forms of ID. They even took it a step further and called the police to have him removed from the branch. This branch location has such a turn over in personal every time you walk in there are different faces there. This is many reasons that we closed out the accounts at Key Bank. The main reason we are contacting you now is the letter that is dated XX/XX/XXXX from Key Bank says that I owe them {$110.00} over drawn this account is closed I feel that I don't owe this due to the mistake made by Key Bank Association. Please contact me if you have questions XXXX XXXX @ XXXX cell, work # XXXX XXXX
Consumer complaint received 2021-04-02
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 — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (VA)

This all started when my lease with Kia Motors on a Kia XXXX was about to be up back around XXXX of 2019. I returned the car and thought everything should be good to go. I had automatic payments on the entire time, and have never missed a payment with any account I have, outside of just KIA. When I called and asked them why my payments had not posted they assured me that they were undergoing a system upgrade and it might take a month, but I wouldn't be held liable for any late fees or extra costs. I thought we were good at that point. I called at least six more times to Kia over the course of two months seeming that the payments weren't posted and I saw late fees on my account, with a new balance that I owed, a number that was completely different than all my other payments. No one could give me any answers and they changed their tune at this point basically accusing me of not making the payments. I had my bank verify the payments and everything. Eventually I started getting mail from collections agencies and after months of nothing from Kia, they claimed I still had a balance on my account which is inaccurate, and at this point predatory. They have been harnessing me ever since. I recently tried to refinance my car loan and the derogatory remarks showed up that I never paid the bill and it was in collections. This was the most unprofessional, predatory, and downright shameful way to act from Kia. I would like the bill in collections removed from my credit immediately. We spoke over the period of four months and they were not able to verify any of my payments, how much I owed, or anything, due to their own system upgrade. I would also request the most recent hard pull on my credit for the car loan be removed as well seeming that it would have gone through if it weren't for Kia 's derogatory remarks. Once again, I have my every single payment in full and on time for every single one of my other accounts. This is completely out of character for me and is something I would never do!
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

The American Express XXXX XXXX XXXX never change and they are showing higher balances then they are hurting my credit. This is to be updated monthly on the XXXX of the month and doesn't update. 
Please reach out to Amex and ask them to update this card information. Keeping my scores down. 

AMEX Link card name|What 's this? 
XXXX {$9000.00} XXXX updated XX/XX/year> 2024
Consumer complaint received 2021-04-02
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 — Investigation took more than 30 days
Company: Happy Money, Inc. (GA)

I finished paying on XX/XX/XXXX after a charge-off of {$1400.00} that occurred in XX/XX/XXXX. The servicer XXXX XXXX reported the receipts to me as I paid it down. I rejected the offers to settle for less than the full amount, instead opting to pay my debt down to {$0.00}. After the data was not refreshing on my credit I contacted XXXX XXXX, who redirected me to XXXX XXXX ( previously XXXX ) whom was the debt recipient and reported the it incorrectly to the credit agencies. The front desk option never answers, so I disputed the results. 

XXXX dropped my credit 80 points once the dispute returned, indicating 1 ) Comments : " paid in full for less than full balance '' 2 ) Status : " Paid in settlement. {$1400.00} written off. '' 3 ) On Report : " Charge Off as of XX/XX/XXXX '' ( when the charge off occured on XX/XX/XXXX ) and the payment in full occurred XX/XX/XXXX. 

XXXX also dropped my score 80 points. 

I contacted XXXX XXXX over a dozen times. I was told that the dispute was corrected on XX/XX/XXXX, and it is now XX/XX/XXXX. 

XXXX XXXX insists, that it is always considered a settlement, even if paid completely, after charge off. I have called XXXX several times, uploaded multiple documents and evidence from XXXX XXXX claiming that I did in fact pay it down to XXXX. XXXX  says I should dispute again and start all over from scratch and give them another 30 days. 

I am in serious need to fund medical issues, to avoid cutting off my relative from XXXX XXXX. People I have spoken to both at XXXX XXXX  and XXXX are aware of this issue, yet they both refer me to speak to the other party, which I do speak to both repeatedly. 

XXXX  says that based on the information XXXX XXXX sends them, that it shows that I settled for LESS THAN the full amount, and that text apears on my credit report. 

The dispute was XX/XX/XXXX sent electronically, the dispute has exceeded 30 days from the date that XXXX XXXX sent the response to XXXX, and they insist that this is the correct way to mark it as settled, and the comment that says " paid in full for less than full balance '', they believe that it is now fine what they sent and corrected even after re-investigation. 

I ask that they delete this, having exceeded 30 days to fix the issue and severely impacting my ability to borrow, and I have had to get one very small loan was the best I could get was at 59 % APR interest, so this reporting matters both in financial impact to me, as well as medical impact of continuting life support for my relative. Please help fix it.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (IA)

Today, XX/XX/2021 I opened crypto.com app. I signed in today and got it registered. I had to put my debit card information so I can purchase dogecoin. I however did not proceed with the purchase. I checked my account and they charged me XXXXcents. this crypto site never disclosed that It will be charging my account to setup crypto.com. They have violated this and not anywhere in the beginning mention that you will be charged any fees. The only fees I would think they will charge if I purchase any bitcoins. This is a fraud. Please investigate
Consumer complaint received 2023-05-02
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. (CA)

In accordance with the Fair Credit Reporting act 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 2022-01-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WAS BEING BROKEN UNDER THE ( FCRA ) BY YOUR COMPANY, THIS HAS CAUSED ME FINANCIAL INJURY, ALSO THIS ISSUE HAS CAUSED ME DEFAMATION OF CHARACTER, I CANT GET A JOB, I CANT APPLY FOR CREDIT.UNDER THESE CHRISIS YOU HAVE HURT MY ABILITY TO OBTAIN CREDIT.I WILL ALSO BE FILEING A COMPLAINT WITH THE ( FTC ) CONCERNING THE NEGLECT OF YOUR COMPANY.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CT)

Dear CFPB, In XXXX I was the VICTIM of some of the very best and earliest scams relating to jobs, scams relating to deposits sent from Mobile phones and such. I lost hundreds of thousands of dollars. Most recently I have been working globally the past 5 years in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have opened an XXXX, Chase and XXXX accounts here in the US along with an XXXX XXXX account. 

One month ago, I received two checks from XXXX XXXX XXXX from the XXXX XXXX XXXX. I told her specifically NOT to send checks rather I do not work in checks, nor do I issue checks anymore. I stated that cash wire transfers or Bank to Bank transfers were the only acceptable methods of deposit. When the two checks ( {$8000.00} and {$46000.00} ) From two foundations arrived I drove 3 hours to the XXXX, NY branch of XXXX to meet with the nearest branch Vice President. While on the phone with my partner, former banker 27 years and head of the JP Morgan Trade desk, I instructed this XXXX of XXXX to authenticate the checks first, note the account and alert the fraud department because I could not vouch for the checks. AND, if they were no good, NOT to deposit them into my account!!! A few days later I find out that they are closing the account. My boss, the CEO of XXXX XXXX in XXXX ( where we have $ XXXX in XXXX XXXX ) spoke with XXXX ( CEO of XXXX ) explained what happened and asked him to speak with XXXX XXXX the CEO of XXXX US. My XXXX account has now gone from pending closure back to under review. The account will remain open. 

While in XXXX, I opened a JP Morgan Chase account right next door. I was thrilled!! I moved {$100.00} from XXXX to Chase and set up two direct deposits. As of today, there was {$750.00} in the account. Deposits only, no withdrawals, no other activity. Today I receive a notice that Chase is closing my account. I called Chase, they can give me no reason why they are closing the account. There have been no checks deposited, no wires sent out, nothing that violates our agreement upon opening the account. Needless to say, I am flat out furious, enraged and disappointed in the entire US Banking system!!! 

When and how am I supposed to set up proper banking and have deposits of larger funds come into the US without proper banking support. The XXXX inside XXXX in XXXX New York was XXXX XXXX, she knows she did NOT do her job, she did not advise me they do not authenticate checks first, she did not note the account and she did not advise to the fraud department. Now, I am supposed to be the victim again for some employee who cant do her job properly?? With regards to Chase, they have NO GOOD REASON to close my account and I would like it re opened asap. 
Thank you XXXX
Consumer complaint received 2021-04-02
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: CITIBANK, N.A. (GA)

I noticed these fraudulent inquiries on my XXXX credit report and I've disputed them several times with the companies and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-02
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 (GA)

I noticed these fraudulent inquiries on my XXXX credit report and I've disputed them several times with the companies and XXXX  and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  NA XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2021-04-01
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. (FL)

I want this REMOVE XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$110.00} XXXX XXXX {$1200.00} I have already disputed, filed a CFPB complaint against this company these companies as well. THEY CAN'T EVEN FIND MY SOCIAL IN THERE SYSTEM. YOU HAVE INFORMATION LISTED ON MY CREDIT FILE THAT DOESN'T BELONG TO ME. I NEED SOME ACTION TAKEN PLEASE HELP
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (GA)

GM Financial is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt on there and I do not owe this debt. This car should have been completely covered with my GAP insurance. I submitted the paperwork a while ago and haven't hear back from GM Financial. They however, continue to negatively report on my credit. This needs to be removed and you need to report accurately.
Consumer complaint received 2022-01-30
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. (CA)

On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts are to be blocked and cease to be reporting on my consumer file.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AFNI INC. (WA)

I received a notice that I owed over {$43000.00} for a vehicle accident I was involved in, but I was not the at-fault party in the incident. Out of the blue, over a year after the incident I get contacted by a collection agency asking for the money. I spoke to my family 's lawyer and he helped me draft a cease and desist letter via Certified Mail asking that they not contact me regarding this matter. This was on XX/XX/XXXX. On XX/XX/XXXX a new company sent me a letter regarding the same debt. Again, I sent a cease and desist letter which was received by the company on XX/XX/XXXX. 
On XX/XX/XXXX, I received another letter from the XXXX comapny - AFNI - which was dated XX/XX/XXXX. 6 days after they received my cease and desist letter. 

I want them to stop contacting me. The debt is not mine and how they decided to assign it to me months or years after I thought this was resolved is not something I can figure out. 

I am concerned becuase I purchased my first home in XX/XX/XXXX and now have something to lose shoudl someone try to come after me, even if they debt is not actualyl mine to pay. I don't know if the purchase of my home is public record and possibly these creditors or Insurance companies saw that I now had assets that they could go after - but the timing does make me suspicious. 
I don't know what to do. I am not overly concerned as I know the accident was not my fault and that if this ended up in court I would be fine based on the facts - but I also know that Insurance Companies, Lawyers and Collection Agency can be predatory and often have no regard for the truth. 
I researched my options and filing a complaint seemed like the logical next step in protecting myself and my family from this harrasment. 

Thank you