davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (IL)

I have received many calls from this company Duvera threatening to sue me. I keep telling them that this is not my debt. I've asked them to send me proof that it is my debt because they say it is a valid debt. I have never heard of this company and this is not my debt. This is a scam. I want this debt deleted from my credit report, I do not owe this debt it is not mine. It says this debt was opened XX/XX/XXXX and closed on XX/XX/XXXX. The original debt states it was {$500.00} but is reporting a balance of {$1200.00} on my credit. This debt just recently popped up on my credit report.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. ()

I had account with XXXX XXXX ( I am a XXXX XXXX ) Account was taken over by Citizen bank Since then I have no banking facility at all. 
Citizens card arrived I could not activate it ( No Citizens ATM in XXXX ) I telephoned US several times over months to activate card. Eventually I managed ti by pass automation and have card activated by agent in US Cost me XXXX pounds XXXX dollars for call I have no access to online banking to activate card to transfer money etc bank can not facilitate this for overseas customers In short lost my bank card and have no access to activate it Calling US Citizens bank does not recognise card number firstly Secondly can not put in social security number as I do not naturally have one In short I receive monthly paper statement to XXXX for an account that has regular monthly payment from US This is all I have Card renewed can not be activated unless I can beat automated bank call And I have emailed Bank customer service I have chosen option on call for callback I have emailed CEO twice To all of my activity above I have had no response
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I received a XXXX payment today for XXXX and the amount was then transferred to another one of my accounts. After that transaction Chase closed all of my accounts without a reason. When I called the fraud department they told me they were unable to tell me why the accounts were being closed even though they were the department that initiated the closures. I have had them for over 5 years and never had an issue with any payments. And randomly today they closed 3 checking accounts and 1 savings account and one of the checking accounts was used for survivor payments from social security
Consumer complaint received 2022-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXXXXXX  account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX account # 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 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OCEANFIRST FINANCIAL CORP. (NJ)

My checking account starting XX/XX/21 to today.went into over draft status ... ocean first bank manipulates their system to over draft my account..this is the third time..and I noticed its when the government sends out stimulus money ... I'm confused how I over drafted..and really confused how they charged me over 12 {$38.00} fees ... The bank says I wasn't in the negative until XXXX but it started XXXX I watched the app on my end start to be manipulated..So its hard to give exact dates and transactions..I get paid direct deposit and they rejected my deposit {$100.00} on XX/XX/XXXX and also on the XXXX of XXXX for {$68.00} both from XXXX. This has happened a few other times and I had to just pay it to stop the snow ball affect your account being in the negative causes ... Ocean bank this time has costed me {$600.00} as of today... please help me get through to ocean first bank
Consumer complaint received 2021-09-29
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (TX)

Hi, I booked tickets to see XXXX XXXX in XXXX XXXX through XXXX XXXX for XXXX on XX/XX/2021. The tickets were bought in advance, but occured on the week of the hurricane in XXXX. I tried to contact the vendor to no avail, but decided to submit a dispute on my Chase Sapphire Card. The dispute came back as " valid '' and a Chase representative told me that " all sales are final. '' This means that, if you have a Chase card, it is your responsibility to predict natural disasters like COVID-19 and Hurricanes. There is no recourse, but my complaint is that it is unfair to make customers pay for things that they can not use which is the crux of the issue. As a former employee of XXXX, I am disappointed in that response.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (LA)

I received a collections letter on XX/XX/XXXX for a principal amount of {$100.00} plus late fee of {$15.00}. This debt is to the company of XXXX XXXX for garbage disposal at my residence. This company quit servicing my residence in the beginning of XXXX after the flood of XXXX. 
I never received a bill for this service, much less notification of non payment. 
I called and spoke to a representative, I asked them why is my balance {$100.00} when my normal fee for that bill would have been $ XXXX? I was told the extra amount was late fees, even though the bill says the principal is {$100.00} plus {$15.00} late fees, and I have to say again that I never received a bill.
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

On Friday, XX/XX/2021 I attempted to make a payoff payment for my recently purchased Toyota vehicle. I navigated to their website ( XXXX XXXX XXXX ), used my login information, selected " Payoff Options '', " Get Payoff Quote '' and received an error message stating " We are unable to process your request at this time. Please try again later. '' Every day, including today ( Wednesday XXXX, XXXX ) I have run into this same problem. With this being a new loan I did not have access to a previous billing statement or other paperwork that provided me with a customer service phone number. I attempted to access customer support or a phone number on their website ( choosing " Support Center '' from their drop down menu ) but again received the same error message. I have tried every day since Friday XX/XX/XXXX to make a payoff payment or contact customer support to no avail. I even contacted my dealership but was told I could not make or submit any payments to them and needed to go on the Toyota Financial Services website. On the evening of Tuesday XX/XX/XXXX I received a customary Privacy Practices notice from Toyota Financial Services via snail mail. This was the first time I was provided with a customer service phone number. I called and the offices were closed. I called again the next morning, Wednesday XX/XX/XXXX at XXXX and spoke with a representative ( Agent ID XXXX ). I received a payoff quote, daily interest fee information, and instructions on how to make this payment. I described my concern that I was being charged a daily interest of {$1.00} for days that I tried to make a payoff payment on but could not due to their website errors and inaccessible customer service contact information. The representative stated that because I signed a contract stating that I would pay daily interest for all days that I carried the loan that the interest would not be waived. I asked to speak with a manager and was told that a manager would not waive the interest fees either. I asked to speak with a manager anyway. The agent agreed to " file a complaint on your account '' and told me that I could hear back from a manager within the next 72 hours. I have submitted a bill pay through my bank for the payoff quote total of {$10000.00} which I am told reflects total balance plus interest on XX/XX/2021. My bank bill pay receipt reports that Toyota Financial Services will receive this money on XX/XX/XXXX. I am unfairly being charged daily interest of {$1.00} for XXXX XXXX XXXX, a total of {$8.00}. If their website was working I would have been able to receive the payoff quote and make a payoff payment by XX/XX/XXXX, which I was fully prepared to do. This is a minimal amount of money, but it is not their money to keep and their behaviors represent predatory practices.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed 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 XXXXXX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This complaint to USAA SAVINGS BANK for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX  XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$190.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$60.00}
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bliksum, LLC (IL)

I attempted to get in touch with XXXX  a number of times, and it seems like all of those attempts to even try to open up a case were fruitless. They said they would open up a case for me and that they'll let me know if the cases could be resolved or not, but they never followed up. According to my recent credit report request. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX  TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-16
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-16
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: United PanAm Financial Corp. (GA)

United auto credit is on my credit reports all information reported must be accurate this is identity theft I never owned signed a contracts or possessed the vehicle this violates contract law universal law fcra and fdcpa and the ucc I will go to the fullest extent of all law and order to correct this matter of not corrected in 15 calendar days of this notice this serves as a quasi contract from silence in every attempt that's been made to correct this in civil regard
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (OR)

My account with Aspire credit was opened through a purchase of a XXXXXXXX XXXX. I paid the balance in full about XXXX mths after I opened the account. I requested the account be closed when I paid it off. That was over XXXX years ago. At that time, I have been charged service fees multiple times, called over 6 times telling me I want the account closed & that it carries no balance except the service fees for an account that is closed. I am tired of being charged for something Im not using. They seem incapable of closing the account. I had autopay originally set up and they keep charging my account for these service feees.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo XXXX in XXXX XXXX XXXX on XXXX. 
Overdraft charges Close account for account fee that should been reversed. 
Said I would have to pay XXXX XXXX to reopen account Online customer service staff they would reverse transaction. 
They never did.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

This company XXXX XXXX told me that they verified a bankruptcy on my credit report through the creditor, but when I reached out to the bankruptcy court ( creditor ) they sent me a letter stating that they do know business with XXXX XXXX or any credit bureau which I have forwarded the letter over to XXXX XXXX who still is telling me they verified the account through the bankruptcy court this is illegal to report and I demand immediate removal
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (GA)

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Due to XXXX being a XXXX XXXX XXXX and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 USC 1681 c-2 states that a XXXX XXXX XXXX shall block the reporting of any information in the file of a consumer that the identifies as information that resulted from identity theft, no later than 4 business days after receipt of the following : 1. Appropriate proof of identity to the consumer ; 2.The identification of such information by the consumer ; and 3. A statement by the consumer that the information is not information relating to any transaction by the consumer. It is now XX/XX/2022 and XXXX has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce and consumer credit in a manner that is fair and equitable to the consumer, with regards to confidentiality, accuracy, relevancy, and proper utilization of such information. If XXXX allows its business partnerships with these organizations to continue to violate my federally protected consumer rights, they will be liable to me for the stress, anxiety, sleeplessness, and any other actual damages caused as a result of the failure.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

It was back in XXXX they kept charging me overdraft fees and I wasn't overdrafts any thing.they kept charging me for 3 months that went on at the branch in XXXX XXXX XXXX XXXX XXXX XXXX I had direct deposit and every time I got paid I was missing about XXXX every pay period for about 3 to 4 months til I closed account
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CT)

Hi, I requested from Wells Fargo a reissue check for a bouncing a check plus cost and fess on my bluevine business checking account. 
Thanks, XXXX XXXX P : XXXX XXXX