davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I found errors on my credit report under 15 USC 16c-2. The inquiries listed were unauthorized and negatively affecting my credit. Please eliminate all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-11-13
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: CITIBANK, N.A. (FL)

I transferred a balance to my Citi simplicity card at a 0 % interest rate. I have reviewed every single one of my financial statements for the past 9 months and they all clearly state for my balance transfer : XXXX  XXXX ( Balance Transfer Rate Until Paid in Full ) 0.00 %. If any competent human alive reads that, they would assume that the interest rate for the balance transfer only will be 0 % until paid in full, otherwise it would show an end date for the 0 % interest and tell me that interest would being accruing on a specified date. I have 9 months of financial statements from Citi that show exactly what is typed above, 0 % until paid in full, not 0 % until XXXX date. I have reached out to Citi and asked them for clarification and was told to ignore the past 9 months of financial statements and that I will be accruing interest starting in XXXX, even though my financial statements from them indicate something entirely different. I have chat transcripts and screenshots of my statements showing the 0 % until paid in full going back the past 9 months. I am asking the CFPB to step in and hold Citi liable for keeping their promise ( as indicated on my past 9 months of statements ) of 0 % until paid in full. Had the statements shown me that I would be accruing interest in XXXX, I would have been making bigger payments on the card. Please someone, anyone help me - because Citi isnt. Thank you
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-08
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)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I need your support to address the wrong account listed on my credit report. This issue has caused significant damage to my reputation, and I require your help. Due to your mismanagement of my credit information, my reputation has been severely affected. These errors need to be corrected so I can move forward with my family.
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. (GA)

Im reporting this account on my credit report with XXXX XXXX XXXX SIMPLE. That is reporting on my consumer report. 
I have disputed this account numerous of times and EXPERIAN. EXPERIAN has refused to remove the INACCURATE information from my credit report. I have valid proof that EXPERIAN has violated my consumer rights. I have attached the proof of the dispute showing INACCURATE from EXPERIAN. If the information has been deemed found to be INACCURATE by LAW, It has to DELETED from consumers report. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I exercise my RIGHTS to have these Items DELETED IMMEDIATELY. If you dont DELETE SAID ACCOUNTS in 5 business days. You will be in violation of law according to 15 U.S. Code 1681n - Civil liability for willful noncompliance.

( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am again revoking any permissions given verbal, nonverbal, written, unwritten, implied or otherwise.
Consumer complaint received 2016-05-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I have a checking and savings account with Chase Manhattan Bank. My brother is my Power of Attorney ( POA. ) I have a durable POA, Chase will not accept this form - they want their own form/individual form to be completed. I will do that - but they require it to be completed by us together, at a Chase branch. 

My brother and I live in different states. Chase said the only way it can be done is if we go to the branch together. If he lived in XXXX, is he supposed to travel here to go to a Chase branch with me? 

This is a ludicrous. Every other bank I do business with either has a form I can print at home and have notarized, or will send the form to me. I can have my signature notarized, mail the form to my brother, and he can get his signature notarized. We do not have to go to a branch together. 

I contacted the bank twice, and got the same useless response from them. 

I have gone to my local branch several times to get something notarized. They did not have a notary. IF my brother comes here and we go to the branch together, if they do n't have a notary, they ca n't process the form. There has got to be another way to get this completed.
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Lexus Financial Services approved me for a purchase of a vehicle but when the determination that the vehicle was damaged I switched to a lease. The lease payment was for 36 months and the dealer declined the lease. I was not provided a official reason for the decline of the lease. I believe this was a bait and switch and XXXX  type of situation but I want to obtain the reason for the loan to be approved and the lease to be declined. I should be provided the reason and not simply sent to multiple departments for no reason for the decline. My belief is that they wanted to increase my payment which is illegal in the State of California and this information needs to be provided.
Consumer complaint received 2024-08-08
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. (GA)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with amending what is going on as quickly as time permits. I compassionately demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recover command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

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.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NC)

To Whom It May Concern : I had a promotional APR of 0 % on my Chase Amazon credit card. Chase has not applied my payments ( excess of min. payment ) to the account balance with the highest APR. In fact, when I researched how Chase applies excess payments on their website, I came up with the following ( see below ) " How are payments applied to the different APRs on my balance? 
When you make a payment, generally we 'll first apply your minimum payment amount to the balance on your monthly statement with the lowest APR. If you pay more than your minimum payment, we 'll next apply money to the balance on your monthly statement with the highest APR. If you do n't pay your full balance each month, you might not be able to avoid interest charges on new purchases. '' - Per Chase Website. 

The Credit Card Act of 2009 requires a card issuer, upon receipt of payment, to apply amounts in excess of the minimum payment amount first to the balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. 

Chase has not treated my payments in this fashion. I would like an adjustment to be made to my account. 

Thank you.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX XXXX  that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

WELLSFARGO SENT MEDIATION REQUEST TRACKING NUMBER XXXX. 

I SENT THE UPDATED FORM 3 TIMES FROM PAST 3 MONTHS AND THEY KEEP CLOSING AS DUPLICATE REQUEST FROM LAST YEAR. 

WellsFargo is not making any sincere effort to resolve the case when they themselves sent me the mediation form. When they sent the mediation form they agree that it can go thru mediation process.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (KY)

When leaving to XXXX XXXX military status I am protected under the Servicememeber Civil Relief Act and XXXX reported my information. I settle the case with XXXX because they originally had charged me for cancellation which was disputed and removed from them and i paid the remaining bill of around XXXX dollars to close the account. The only reason why the contracts were broken was due to me changing over to XXXX XXXX status. When disputing this information for the credit agencies, XXXX corrected the matter though I had to dispute it twice. While, XXXX and experian corrected the balance but refuse to remove the account. I was told to contact the company which was already done because that is how I receive the knowledge to send the credit agencies my information to be removed. Therefore, it is now a pointing game on who needs to remove it from my collection account and it is becoming very frustrating when I have a act in place to protect me from all this. Attached are my order from the time I had to leave for XXXX XXXX status proving the time these companies reported me in collection I was XXXX. This information has also been provided to the credit agencies and still they keep declining the dispute even when I called they informed me that I have to keep it on there for 7 years when it should have not been reported in the first place.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I believe that I filed a complaint last year with you against Navient ( XXXX XXXX ) i was told that you could not help me at the time, however while you were investigating this they had sold my supposed debt and I being sued for this ridiculous amount they claim that I owe .All the things that I had said they were doing and more is the exact reason you have now gone to the federal courts to solve ... What can be done to help me now????
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (TX)

On XXXX of 2024 I opened a checking account with E*Trade from Morgan Stanley as they offered me a 3 % APY interest and a minimum of {$250.00} a month in direct deposit or multiple options was required to avoid the account monthly fees, few days later the Financial Institution changed their policy and informed me that the only way to avoid the account monthly fee was to keep {$5000.00} a month, so I decided to move some of my money to another Financial Institution as they offered me a better deal. On XX/XX/year>, I made a payment to XXXX XXXX in the amount of {$1100.00} using the aforementioned account. Because some money was transferred to the new Financial Institution, Morgan Stanley Bank retaliated and on XX/XX/year>, at XXXX I received an email from E*Trade requesting to contact them to restore functionality of my account as unusual activity was detected in my account and freeze it. On XX/XX/year>, at XXXX I called E*Trade, and was questioned of why I moved a large amount of money to the new Financial Institution ; my response was that E*Trade changed their policies and my recourse was to move my business to another Financial Institution. The associate demanded bank statements from my old Financial Institution to verify the source of my income and Estate, I downloaded my bank statements the same day. On XX/XX/year>, I was able to speak to a E*Trade associate and she cleared the problem and reestablished my account. The payment for XXXX XXXX XXXX {$1100.00} ) was rejected for payment by Morgan Stanley Bank and a Defense Finance Accounting Services deposit ( {$670.00} ) was rejected. The associates told me that some account features were temporarily disabled, but in reality, I was unable to receive or send money from the checking account. 
Because all this mess, XXXX XXXX interests bill increased from : {$430.00}, to : {$540.00}, and my principal payment decreased from : {$660.00}, to : {$550.00}. 
The XXXX XXXX XXXX XXXX direct deposit was rejected on XX/XX/year>, by Morgan Stanley Bank and was not recovered until XX/XX/year>, by XXXX XXXX
Consumer complaint received 2015-08-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I co-signed for a lease jeep for my granddaughter and it was fine, now I get a letter saying Ally wo n't be the financial party and she has already taken possession of the vehical and and set up direct auto pay from her checking account. I have tried to get ahold of the credit reporting services and can not talk to them. I am in dispute for my credit because things are on there that should not be and I want to know why.
Consumer complaint received 2024-10-02
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. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-08-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Windham Professionals, Inc. (MD)

My student loan XXXX XXXX ) were sold and/or transferred to XXXX on a date unknown to me. Pursuant to XXXX XXXX XXXX XXXX ( F ) ( iii XXXX XXXX was in fact a debt collector. I placed a complaint with the CFPB [ XXXX ] for the companies abusive practices in addition to failing to validate the alleged debt owed. I recently received a Dunning Letter from Windham Professionals dated XXXX/XXXX/2015. XXXX and Windham Professionals are making multiple enforcement claims on the same [ XXXX ] ote. Possession requirement in XXXX XXXX [ of the XXXX XXXX is to protect the Debtor from multiple enforcement claims to the same [ XXXX ] ote. Upon information and belief, XXXX and Windham Professionals lack Judicial standing, having no economic or beneficial interest in the [ XXXX ] ote, and no complete dominion over it, including entitlement to enforce the [ XXXX ] ote pursuant to the XXXX XXXX and UCC XXXX. In addition I have never applied for, neither received any services or credit from Windham Professionals. I also have no account and/or signed contract with Windham Professionals, nor do I wish to contract with Windham Professionals. Windham Professionals has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent XXXX XXXX ) and or Representative XXXX XXXX ) are frivolous. I have a lawful right to receive any information in regards to the promissory note and or other admissible evidence of the alleged debt. '' XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX XXXX 1947 ).
Consumer complaint received 2015-08-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY (MA)

I have try to contact XXXX funding about an account that shows on my credit report they are unable to give me information about this account when I asked about it, I just get a run around saying I need to call another number and when I called that number no one ever answer. I have spoken with Target Card Services and they do not have anything in there computer that says I owe them any amount of money. So XXXX needs to stop reporting this incorrect information.