davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I am writing to file a formal complaint against Citizens Access Bank, an online banking institution where I hold a high-yield savings account. This complaint concerns an unexplained and unjust freezing of my account, the subsequent blocking of debits including critical transactions, and a lack of transparent communication from the bank 's representatives and fraud department. 

On XX/XX/XXXX, I initiated a transfer of {$1000.00} from my Citizens Access account to cover my share of the rent. Hours after initiating this transfer, I received an email from Citizens Access informing me that my debits had been blocked. Upon contacting customer service, I was initially informed that the blockage was due to routine maintenance and that additional information was required to restore my account to normal status. I was assured that the issue would be resolved within XXXX hours. 

Contrary to this assurance, when I contacted the bank on the following day for confirmation, I was informed that my account was under review, and no further information could be provided. I was also informed, for the first time, that my account had been completely frozen, resulting in the return of my direct deposit to my employer. The lack of clear communication continued, with representatives and supervisors stating they were unable to discuss the matter. Furthermore, the fraud department has refused to engage with me directly to clarify the reasons behind the account freeze. 

This situation has left me without access to my funds, with no explanation or justification provided by Citizens Access Bank. The inability to access one 's own money, especially without a valid reason, is distressing and, to my understanding, may contravene banking regulations and consumer rights.

I trusted Citizens Access Bank as a reliable institution for managing my savings and transactions. However, this incident has significantly undermined my confidence in the bank 's operations and its regard for customer well-being and legal rights. Holding a customer 's funds without clear cause or communication is unacceptable. 

I hereby request a thorough investigation into this matter and an immediate resolution that includes unfreezing my account and a detailed explanation of the bank 's actions. I also seek assurance that measures will be taken to prevent such incidents in the future, ensuring that other customers do not face similar undue hardship. 

Thank you for your attention to this urgent matter. I am prepared to provide any further information required as part of your investigation.
Consumer complaint received 2020-06-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (AL)

Around XX/XX/2020 I called company to resolve a debt, I asked if we could come to an agreement to have debt resolved and they replied yes. I also asked if they would remove debt collection from my credit report and they also agreed that I will no longer see the debt on my credit report as long as I paid the amount we agreed for me to pay. I paid the amount and called the company back because I continued to see the debt on my credit report. I just would like for them to remove the debt from all three credit report agencies.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (AL)

XXXX XXXX is illegally reporting a collection account that does not belong to me. Original creditor : XXXX XXXX XXXX XXXX The account ( s ) in my name were created via identity theft. I've filed a police report and FTC affidavit to help resolve this issue. You need to stop reporting this account to my credit report and notify them to delete this.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

LVN funding must delete this account immediately from XXXX and XXXX Account # XXXX The fcra says I have a right to my accounts reporting with 100 % accuracy this affects the banks and how they lend money. 

LVN funding LLC is furnishing false and misleading information on my credit report! 

Because this account isn't accurate LVNv funding LLC is reporting XXXX different last dates of activity on XXXX different credit reporting agencies which is a major violation. This account is reporting inaccurately, the natural Life of this account will fall off at different years. This inaccurate reporting will cost you {$1000.00} in court if this account is not removed within 10 days or less both Credit agencies XXXX and XXXX.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo closed XXXX of my XXXX plus accounts I have with them because they said i don't have a physical address with them ( which i did ). They then sent a check for {$8600.00} to my physical address! I don't get mail at my physical address. i have called them multiple times spending hours on the phone. I asked for a XXXX to call me, which they said they would have someone call me within XXXX hours, which of course i never got the call. It's been over a week since the promised of a phone call. 
I want my money back with 5 % interest for the time they have confiscated it. 

my filed complaint with them is XXXX
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IA)

We had a Mortgage starting in XXXX with XXXX XXXX XXXX XXXX. In XXXX we filed bankruptcy at that time we re-affirmed the Mortgage. In XXXX of XXXX we refinanced our Mortgage for a lower interest rate with our credit union. At that time we found out that XXXX XXXX had not reported our Mortgage to the credit bureau 's since the bankruptcy ( for 10 years ) I had a XXXX call with a Equifax Agent and a agent with XXXX XXXX named XXXX in XX/XX/XXXX. During that call XXXX XXXX told Equifax that we had payed every payment on time every month for the last XXXX yrs and there we no late payments during that time. XXXX XXXX said I had to have asked them to start reporting to the Credit Bureau when the loan was reaffirmed and asked if I wanted that now. I said yes. Its still not reported. I have spent hours on the phone with person after person at XXXX XXXX and they always send me to another person and I get a different reason why they can not help me. They keep telling me to dispute with with the Credit Bureau. Equifax said I can not file a complaint on something that is NOT on my report and that I need to get it resolved with XXXXXXXX XXXX. I want my husband and I 's Mortgage to show on our credit report even though it is now closed since we refinanced. I want it on our Credit Report like it is for all our other loans/credit credit cards that are closed saying we paid as agreed since XXXX. I am attaching the part of my Bankruptcy where I re-affirmed the Mortgage in my bankruptcy in XXXX. Also attaching the document from Equifax saying they confirmed with XXXX that we paid our mortgage on time for the last XXXX months with no late payments. Also attaching the dispute outcome from Equifax, I could only file the dispute under the bankruptcy since my mortgage is not on my credit report. After getting the outcome I called Equifax and that is when they told me I can NOT dispute something ( the mortgage ) that is not on my credit report.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX I again looked at a XXXX XXXX XXXX  account on my Experian account and it STILL is reporting false information that damages my credit. On multiple occasions I have disputed via certified and regular mail ( 4 times ) that this account is too old to be reported as the DATE OF FIRST DELINQUENCY WAS MORE THAT 7.5 years ago and EXPERIAN continues to lie and say it has verified the account when clearly if the did they would have the specific records that prove my point. XXXX XXXX also told me they did not provide anything to Experian And they refused to provide me with any records that old in a closed account because it was too much work and they did t do that. THIS ACCOUNT IS TOO OLD! I also demanded details and copies of all original documents to show original proof that account is too old and has aged off from date of first Delinquency more than 7.5 years ago!!! I WAS ALSO IGNORED AND NOT PROVIDED WITH PROOF OF INVESTIGATION BY EXPERIAN WITHIN THE 15 day deadline or EVER! Also- EXPERIAN AGENT XXXX INFORMED ME ON XXXX XXXX That there were 6 current late payments added to my report on this 6 years closed account!!! He also agreed to remove them but he did not! 
Please instruct Experian to delete this account for being too old older than 7.5 years. You will note in the material from Experian I am attaching that EXPERIAN DOES NOT INCLUDE THE DATES IN ITS REPORT FROM XXXX XXXX XXXX XXXX. IF they investigated any dispute they would have gotten these records as that was the basis of my dispute. SINCE THEY DID NOT THIS IS ADMITTING THERE IS NO EVIDENCE AND TJEY ALSO FAILED TO PROVIDE WITHIN 15 days of certified letter the proof. THIS ACCOUNT MUST BE DELETED! They should not get to delay things by now trying to investigate when THEY DELIBERATELY DID NOT FOLLOW THE LAW!!!
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I was notified of a collections debt on my XXXX credit report by XXXX on XX/XX/24 via email. When I investigated, the name of the collector is Jefferson Capital Systems LLC. I contacted them by phone on XX/XX/24 and they stated that I did not have an account with them when they attempted to look up my account by name and social security number. I submitted a dispute to XXXX. I received notification this morning that the account information on my credit report is accurate. I called Jefferson back and discussed. They have an account with my name but without my social security number at an address that I have never lived at with an email address that is not mine that the original creditor is XXXX who I have never done business with. I believe this is fraud ; they recommended that I file a report with this entity for documentation purposes. I am awaiting letter from them to formally start the process of disputing the fraudulent charges to me at this time.
Consumer complaint received 2024-03-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OPORTUN FINANCIAL CORPORATION (TN)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act, Experian has violated my rights many times, on many levels. My consumer report from Experian contains incorrect addresses, addresses that dont even exist, and addresses that I have NEVER lived at or lived at as a minor with NO credit related products. It even contains an address that I obtained while on XXXX to XXXX, where I had little access to the outside world and no credit related products. This is intrusive and concerning. I used XXXX 's XXXX XXXX in XXXX, I personally disputed in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT.

It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. 

I serve the XXXX XXXX and my country to fight for those can not fight for themselves and there seems to be no one or entity to fight for me. I will be taking this company to arbitration if the following addresses are not removed immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Attached I have a copy of my lease agreement to ensure that my record is undeniably and undoubtedly TRUE AND ACCURATE. I have also attached a copy of my latest dispute results provided from this company, as well as a list of the addresses I wish to remove.
Consumer complaint received 2020-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NC)

I refinanced my vehicle loan through a credit union in XX/XX/XXXX. Wells Fargo Dealer was paid off and sent me a refund of my overpayment. 

Wells Fargo dealer services were one of three auto bill payees on my Wells Fargo checking account.

When the WF dealer acct was closed, I went into WF checking account to delete them as a payee. There was no option to do such by app on phone nor by computer online services. However, the other 2 payees have 3 dots next to their names where you can delete them or other changes you need to make. WF Dealer did not present that option -- no 3 dots to press for options.

I called WF to get WF dealer removed as a payee, the banker also could not delete them on her end -- no further action taken. 

XX/XX/XXXX, I'm alerted the a bill payment of {$500.00} is made to WF dealer. I had a death in my family and didnt see the alert until the XX/XX/XXXX when the payment had already been drafted. 

I immediately call WF banking to inquire. I also inquire again about why WF dealer is still on my bill pay. The banker could not figure out how to remove them from my bill pay once again. She keeps trying and ultimately ends up doing something on her end that makes the 3 dots  appear on the computer and they are deleted. However, {$500.00} is gone from my acct, I have a family emergency, my last pay was XXXX XXXX and my next pay isn't until XX/XX/XXXX meanwhile I have children to feed and care for. I am a XXXX. I budget to the penny especially after the holidays because I know that XXXX is very long. 

Every single day I call WF from the XX/XX/XXXX to present ( XX/XX/XXXX ). I talk to a banker, who patches in WF bill pay, who then call WF dealer who send me back to bill pay, then to supervisor in claims ... every day. I'm using my lunch, planning time, Saturday mornings, to call and be on hold several times only to be given mixed information each and every time. 

I am currently unable to provide any groceries for my family and have been told either 2 more business days or up to 30 days for my refund.

The refund was supposed to be given electronically, however it was sent back to WF banking by XXXX  XXXX  in check form. I have tracking number. I was told that my case was escalated and the funds would be CREDITED by the XXXX. That did not happen. I have the check number and tracking number from WF dealer. As of today, they can not track the check. I am beyond upset. I haven't been able to grieve, and now I have no idea how I'm going to buy groceries the next flseveral days. This is unacceptable, not compassionate, and plain old bad business. I need some guidance. This should happen to no one else. I could understand if it WF dealer and WF banking were not under the same company, but the right hand doesn't know what the left is doing meanwhile a nearly 20 yr customer is left to look my kids in the face and literally tell them that I don't know what we are having for dinner. Unacceptable.
Consumer complaint received 2024-03-07
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 (CA)

I am writing to express my deep concerns regarding the inaccuracies and violations of the Fair Credit Reporting Act ( 15 USC 1681 ) and the Privacy Act of 1974 ( 15 USC 6801 ) in my credit report issued by your agency.

According to the Fair Credit Reporting Act, consumer reports are supposed to exclude information solely related to transactions or experiences, as specified in 15 USC 1681 ( i ) and 15 USC 1681 ( A ) Sec 2 ( i ). However, upon reviewing my credit report, I have discovered numerous inaccuracies that do not align with this requirement, violating my rights as a consumer.

Moreover, the inclusion of such inaccurate information also contravenes the Privacy Act of 1974, particularly 15 USC 6801, which emphasizes the obligation of financial institutions to protect the security and confidentiality of customers ' nonpublic personal information. I have disputed these inaccuracies in my report multiple times, and yet they have irresponsibly been verified without any transparent procedure outlined to prove their validity.

These violations raise serious concerns about the integrity of the information in my credit report and undermine my ability to access credit and financial services based on accurate and reliable data. Should these issues persist, I may pursue legal action under the provisions of 15 USC 1681n for willful noncompliance with the law.

I demand that your agency promptly correct the inaccuracies in my credit report, provide a transparent explanation of the verification process used, and ensure compliance with all relevant laws and regulations, including but not limited to 15 U.S. Code 6802, 15 U.S. Code 6803, 15 U.S. Code 1681b, 15 U.S. Code 1681e, 15 U.S. Code 1681f, 15 U.S. Code 1681g, and 15 U.S. Code 1681i 15 U.S 1666b.

I request a timely response from your agency to address these issues and rectify the violations promptly. Failure to do so may result in further legal consequences to safeguard my rights as a consumer.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

In accordance with the Fair Credit Reporting Act this creditor, Capital One has violated my rights under 15 USC 1681Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 also states a consumer reporting agency can not furnish or report without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-07
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: TRUIST FINANCIAL CORPORATION (GA)

In accurate with the Fair Credit Report?

Act this creditor has violated my rights under 15 USC 1681 ( section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as of late for any purposes. According to my credit score account I have hard inquiries attached and affecting my credit score causing it to go down because of the inquiry that I dont recognize.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (OR)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Name : RESURGENT/LVNV FUNDING  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-06-30
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: EQUIFAX, INC. (CO)

I would like to send a copy of a letter to remove a credit card with XXXX off my credit report. Please see attached the letter I received today from XXXX. So to equifax XXXX  and XXXX  please remove this account from my records. Thank you.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

Account XXXX Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in 2020. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, you have made attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, which is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I expect the following account to be deleted from my credit report within 7 days LVNV FUNDING LLC XXXX