davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-01
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. (AR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (WA)

Respectfully request refund of illegal overdraft fees from Navy Federal Credit Union IAW the latest case from the CFPB against Navy Federal Credit Union. For the effective dates ( XXXX ) my account had multiple overdrafts, many of which were illegal according to the case. I am not able to access my statements prior to XXXX. I can only provide annual statements for XXXX and XXXX.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

For 20 years I have been banking with USAA and what you guys did to me on the eve of the storm was really cruel and unacceptable. On the eve of the storm, USAA cancelled all my checking accounts without an explanation. All these happened because, I have an on-going fraud case against USAA. On XXXX XX/XX/year>, USAA allowed a fraudster/scammer to gain access to me and my checking accounts stole/withdrew {$30000.00} in span of 3 hours around the XXXX XXXX areas ( 22 ATMs withdraws ). We filed 2 fraudulent cases with USAA and your fraud department came back and determined all the 22 ATMs withdraws were not frauds without elaborating on how they came up with this conclusion and started victim shames me and my son. Shutting down all my checking accounts on the eve of a hurricane, that's purely evil.
Consumer complaint received 2024-10-24
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. (NV)

Transunion provided they verified bankruptcy # XXXX with the US Bankruptcy court - Nevada also XXXX Bankruptcy # XXXXXXXX  Transunion claimed was verified directly with US Bankruptcy court state of Nevada this is an error or a lie!!! 
I also contacted the Fraud department at Transunion who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! Transunion has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in XXXX which was discharged!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682 Sincerely XXXX XXXX Transunion file # XXXX
Consumer complaint received 2024-08-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (IL)

Concern Related to Balance of Debt I am disputing the following charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As noted in the attached email correspondence with the management company, the state of XXXX  does not allow any blanket cleaning charges at the end of a lease agreement unless there is documented damage beyond wear and tear. The management company or landlord would need to demonstrate to the tenant that there were specific damages beyond wear and tear ( e.g. a burn in the carpet or a hole in the wall larger than the average nail hole ) and that the charges are to specifically address that damage. Blanket charges like cleaning fees and carpet cleaning as you see above are not permissible in XXXX. The law goes even further to say that these charges are not allowed EVEN IF the landlord has placed a clause in the lease. 

The following language is in my lease agreement ( attached for your reference ) : You must thoroughly clean the dwelling unit, including doors, windows, furniture, bathrooms, kitchen appliances, patios, balconies, garages, carports, and storage rooms. You must follow move-out cleaning instructions if they have been provided. If you dont clean adequately, youll be liable for reasonable cleaning charges. Upon vacating the unit, I cleaned thoroughly. No evidence has been given to suggest otherwise. When I asked about the generic cleaning fees, the manager said we just charge everyone a standard cleaning fee. You have to prove you hired professionals, otherwise you need to pay. Not only is this against the law in XXXX, it is also against their own lease agreement language. No clean out instructions were provided to me and no one alerted me to the expectation that I would need to have professionals clean the unit. 

In the state of XXXX, a property is only allowed to charge cleaning fees if they are explicitly named in the signed leasing agreement, and even then, they can not be to cover anything considered " normal wear and tear. '' This varies across states, as I am sure you are aware because in XXXX  it is allowed by state law, but in XXXX  you can only charge a renter cleaning fees if you have documented proof that the apartment was damaged beyond normal wear and tear ( i.e. rips in the carpet, large stains on the walls ). There was no such damage when I departed the unit. 
These laws are described in detail on the XXXX  state website ( XXXX XXXX  ) : XXXXXXXX XXXX XXXX
Consumer complaint received 2024-11-04
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC. (NH)

Wed XX/XX/XXXX submitted request for cashiers check to be sent to us in the name of car dealership. Told we could pay to expedite. Would deliver in XXXX business days because we requested after XXXX. Told to call next day for tracking number it would be sent the next day. Thursday called twice no tracking number. Called Friday no tracking number we are told it is under review would arrive possibly Saturday but latest by Monday. Called Saturday, was assured it would arrive Monday still under review. Called Sunday was told under review and would not arrive Monday. Called Monday spoke to supervisor. Still under review. Could not tell us what it was brewing reviewed for. Could not wire it today to rectify their delay and mismanagement of the process. XXXX could not connect us to review department. XXXX assured us that it would be mailed today. As of this writing at XXXX there has been no email telling me this has been processed. We have no idea why they have not issued our check and have no access to our own money. It has not been earning interest in our account since it has been removed from our account. We have no real assurance of when we will actually receive our own cash.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/scrub> 2024, I mailed a Negotiable Instrument ( a United States XXXX XXXX XXXX XXXX ) No. XXXX as Tender of Payment in the amount of {$5000.00} to Bank of America along with proper instructions to credit my account accordingly in order to balance the account and set off any alleged debt obligations. My Negotiable Instrument was mailed by United States XXXX XXXX Certified Mail with Return Receipt ( tracking no. XXXX ). 

The Negotiable Instrument and Letter of Instruction both were delivered and signed for by XXXX of XXXX  XXXX XXXX representatives on XX/XX/scrub> 2024. 

As evidence, on XX/XX/scrub> 2024, XXXX  XXXX XXXX representatives printed the following text : Do Not Redeposit on the front of the money order ( instrument ) and Endorsed XXXX Check XXXX XX/XX/year> XXXX XXXX XXXX Card XXXX  XXXX XXXX on the bank of the money order ( instrument ). 

In summary, my Negotiable Instrument ( Money Order ) was deposited as instructed however, Bank of America 's representatives failed to credit my account in the amount {$5000.00} as further instructed. Their neglect to properly handle my credit ( XXXX ) has caused me financial hardship. Their irresponsibility resulted in billing errors which led to late payments being reported to XXXX, XXXX and XXXX, being denied credit and having other accounts closed due to their misreporting. 

Furthermore, I never gave Bank of America written consent to make my private financial transaction information known to the public therefore Bank of America has violated my Right to Privacy by reporting this information to the XXXX credit agencies. 

To add, Bank of America did not provide me with all the necessary and required disclosures they are supposed to have provided, in regard to the Truth In Lending Act ( TILA ). 

I want Bank of America 's representatives to rectify the situation and put my account back in good standing. Bank of America should credit the account in the amount of {$5000.00} backdating to XX/XX/scrub>, 2024, before there were any reported late payments to my consumer report. Bank of America should also refund any payments to me from said account as they were billing errors from the beginning. Lastly, I will like them to reopen this account and set the balance to {$0.00} ( XXXX dollars and cents ).
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am filing this personal complaint regarding late payments on my credit record. After examining my credit report, I noticed these late payment entries. I sent correspondence about this issue more than 30 days ago but have received no response or adequate validation. I am seeking your help to address this situation.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (KY)

XXXX XXXX Chase Credit Card. 

I started a 0 % interest balance transfer. Everything was fine and I never planned on using the credit card. Then I got an offer for a {$300.00} credit if I spent {$1000.00}. My 6 month vehicle insurance bill was coming up, so I charged that to the new card and received the {$300.00} credit. Now Chase is telling me that XXXX cant pay off the credit card purchase balance without paying off the entire balance transfer in full. 

This is against the Credit Card Act of 2009, Section 104.

Chase is essentially forcing me to pay interest by holding a balance on the credit card that I cant touch. And they used an advertisement/promotion to lure me into a trap that I can not escape.

I have paid enough to where I should not have any interest, but the payments do not get applied correctly. This is a scam.
Consumer complaint received 2024-09-12
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. (NY)

I am writing to address the presence of accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Following my recent communication with your organization, I am formally demanding the immediate blocking and removal of these fraudulent accounts from my report. Their inclusion has caused me significant emotional and financial hardship by misrepresenting my credit history and obligations. If this matter is not resolved satisfactorily, I am prepared to pursue legal action to protect my rights. These unauthorized entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2015-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AR)

I reported in XX/XX/XXXX a name change to all XXXX credit bureu, I went back to my maiden name. today is XX/XX/XXXX and on XXXX of the credit bureu my name is still wrong. I have not financed nothing since XX/XX/XXXX. Yet I have found numerous Items finaced in XX/XX/XXXX and later when I went to refinance my house this year. So we put a fraud alert on file. XXXX months later nothing has changed ... credit bureu 's have done nothing to take off the old reports or to fix the problems yet i 've sent documents, copys of dl # divorce doc ... this is crazy! Please help!
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MD)

My previous complaint was inappropriately closed : XXXX The company has flat out given wrongful information. They did run a promotion, they did not give me the miles. 

To top it off, they told me to send them the evidence of this promotion through their secure messaging portal, but this is a pathetic joke, as their secure portal does not work when I try to send attachments!!!! Please see the screenshot. 

I was under the impression CFPB exists to prevent customers from this kind of abuse from powerful credit card companies. I am waiting to find a satisfactory resolution to this case still. 

In the original case, I have detailed that I had a promotion from XX/XX/XXXX to XX/XX/year>, whereupon if I spent {$9000.00}, I would get XXXX miles. That has never happened. I did confirm I have spent over {$9000.00}. Chase has flat out cut off my phone after keeping me on long waits, and now, they responded saying no such promotion existed. I am AGAIN attaching evidence of this promotion.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The existence of this account has caused me significant distress, to XXXX XXXX where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (SC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to remove any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.