davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX  XXXX Dear CFPB, I am writing to formally file a complaint against XXXX  XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX  XXXX. Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-02-09
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NC)

Caller left no message so I called the number back and got told I owed a debt to Washington Mutual credit card. After I told caller to stop calling me and to only communicate through writing, continued to call me 12 times. I have no knowledge of this debt, does not show on my credit report.
Consumer complaint received 2016-10-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: JPMORGAN CHASE & CO. (NY)

After many months, or years, of having private student loans ( ones that have zero consumer financial protection ) JP Chase and XXXX have consistently been RAISING the rates on my loans, when monthly I ask them to reduce these ridiculous interest rate charges. 

The opposite of what needs to happen, has been happening. If government exists to serve and protect the people instead of corporations, this is exactly the scenario in which it needs to do so.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

To Whom It May Concern, In my attempts to pay off my loans with Navient early, they will not allow me to view my repayment allocation for the the years XXXX. My monthly repayment minimum was also reduced to extend my repayment timeframe even after purposeful extra payments to reduce it. Thank you for your time.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

U.S. Bank had locked my account on XX/XX/23. I had done everything in my power to get the lock removed, but they have not followed through. I opened the account recently, on XX/XX/23. The only reason I opened it was I was sure they verified my identity and address information so I could use the account. 

They did not. 

On XX/XX/23 they locked my account for address verification after putting my home and mailing address as exactly the same ( a big no-no when my mailing address is a commercial mail drop ). It has been two days and my funds are still locked, and I am being told to provide additional information. As I tried to provide that information, I found there was no one able to accept my paperwork. This is unacceptable, and I need that lock removed so I can access my remaining funds then close my account.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX got a decision from your company they didnt like. when I disputed fraud charges now XXXX put charges of XXXX on a XXXX card, that was shut off in XXXX. When i filed the original dispute against XXXX dispute. 
Through experian they are lowering my good credit standing daily for a XXXX charge on a card that I did not authorize, on a card that has been turned off since XX/XX/2023. I turned off all 3 of my XXXX XXXX  cards in XXXX, and I notified all 3 credit reporting agencies the cards are closed. when I found fraud with their company with my XXXX XXXXXXXX XXXX   account. 
Experian knows the card was turned off when XXXX presented a false charge of XXXX. 
Experian is lowering my credit rating daily. On a charge I didn't authorize on a card I registered with then to be closed.
Consumer complaint received 2024-10-10
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising these inaccuracies multiple times and requesting thorough investigations, I have not yet received a resolution or corrective action. 

These erroneous accounts are severely damaging my credit and impacting my ability to live normally. The ongoing effects of these inaccuracies have led to significant hardships, and I am seeking your assistance to resolve this matter as quickly as possible. 

I kindly request a comprehensive investigation into each of the disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your support, I hope to restore the accuracy and integrity of my credit file and regain control over my financial situation. 

I urge you to prioritize this issue and take prompt action. Your cooperation in resolving this matter swiftly would be greatly appreciated. 

Thank you for your understanding and assistance.
Consumer complaint received 2016-04-29
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello Team, I purchased airline tickets with XXXX worth {$3000.00} using my bank of america cash rewards card on XXXX. It attracted foreign transaction fee of {$91.00}. 
On XXXX the transaction was cancelled by airline. I spoke to BoA associate on XXXX asking about why transaction fee was applied and if this will be reversed if the transaction is cancelled. He said yes these fee will be reversed. 
When i see the account ledger today I see the base amount of {$3000.00} is reversed but not the fee. I again spoke to associate today and she said they can not reverse the same. 
I dont understand if the service itself is not utilized why there is a fee. 




Thanks, XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-08-31
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. (IL)

Please know the information on my credit report is not correct. I've listed inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

On XX/XX/2023 I called in to Capital one to pay my two accounts and the Walmart card which they also manage. The man said he was sorry that my autopay had failed last month and I said me too, and we spent an hour on the line setting up auto pay again with a new checking account number and also I went through the long process of paying each account as well. This is all recorded by Capital one and I am formally requesting that this be listened to in order to validate my statements here. 
On the XXXX late in the day, ( my due date is the XXXX before XXXX eastern ) I received multiple letters from Capital One. No one called me, they just mailed letters which meant I had no time to contact them in order to pay on time. Sending letters to me meant I missed all my payments and was assessed a late fee for each account and also all three accounts were then sent as late to the credit reporting agencies. 
here is what the letters said : your payments made over the phone on XX/XX/XXXX did NOT go through, and your auto pay for each account has also been cancelled. We attempted to process them and your bank rejected them. ( I called my bank and they said NO ATTEMPTS WERE MADE BY CAP One. ) Also the letter said I could never use my checking account to make payments again. 
so, how in the world should I make payments now, I thought. So I called Capital one on XX/XX/XXXX after their XXXX cut off, to make the payments. I was told too bad, you are late because you missed the XXXX deadline, but had just gotten the letters. I called as soon as I got them from the mailbox. I am formally requesting that this call on XX/XX/2023 also be listened to, to support my claims. I was told that the checking account number they had on file for me WAS in fact the correct number! We verified it against my checkbook several times!! she said she didnt know how this could have happened. She and I spent an hour on the phone setting up auto pay once again for all three accounts, and I made my payments ( again ) but NOW I had to pay the EXTRA {$45.00} late fee for each account as well!! Inn order to keep my accounts current, I agreed and I received a confirmation code for EACH PAYMENT that we made again on XX/XX/2023. 
Today, XX/XX/2023 these payments were cancelled. They have NOT been presented by Capital One to my bank, and have NOT been paid. 

I am attempting to keep my accounts current and preserve my credit, but seem unable to do so. All I want to do is make payments and keep autopay on, but I am now THREE Months behind as I am UNABLE to get Capital One to accept my payments!! 

please help me thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (TX)

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

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-11
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. (MS)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2016-09-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

Dear Consumer Finance, Please note that I have also submitted this complaint to the Federal Reserve complaint line. XX/XX/XXXX, I walked into a Citibank branch in XXXX to close all my accounts ( savings, checking, and Checking Plus ). I settled all my charges and at no time did the teller inform me that with Checking Plus, no automated transactions should go through within the 48 hours. XX/XX/XXXX, I received correspondence from Citibank stating that I had charges through automated debits from XXXX. I was quite surprised since I was not informed of the rules, however, I paid for the amount owed ( $ XXXX+ ) and ask them again to close my account. Citibank 's customer service told me that it would take 48 hours once again and that no charges should go through. I agreed. By XX/XX/XXXX, I received another correspondence saying that I owe $ XXXX+ through XXXX and once again I settled, but, I ask them Citibank from the time I settled XX/XX/XXXX and to XX/XX/XXXX ( more than 48 hours ) there were no charges that went through so my account should have been closed. They promised me at that time, that all is settled and the account would be closed. Now this XXXX Citibank contacted me again to say that I have charges. Needless to say, I am quite upset! I am certain that the money I paid went towards bank charges for which I am NOT responsible for since the account should have been closed properly XX/XX/XXXX, again XX/XX/XXXX, then XX/XX/XXXX. I feel that I have been defrauded or the inability to close an account properly lies with the incompetence of Citibank. The collection manager I spoke to XX/XX/XXXX and again XX/XX/XXXX, accused me of 1 ) not really wanting to close the account ; 2 ) that he has no record of it. I was in tears over this and am still upset. Everytime, Citibank contacted me, I duly called them and settled my charges and ask them if the account is closed. They also went against their own rule by not closing the account during the period of XX/XX/XXXX - XX/XX/XXXX ( more than 48 hours and no charges went through ). This should have been a simple matter of closing one 's account. The misinformation, misdirection, and mishandling of closing a Checking Plus account is outrageous. Once again, I will not pay for any bank charges because of their mistake and I also feel that I have paid for all the charges that was automatically debited from Checking Plus. I have been forthright in paying all the past charges, and it has been more than 1 year since I 've tried to close the account. I have spent more than 18 hours talking with Citibank and I have had enough! Please help!!!!! Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (MD)

I do not have an account or owe Harley Davidson Financial Services ( HDFS ) any money. For the past month, representatives of this company have been calling me about a person who supposedly listed me as a reference. I have not answered. Yet, the company, which is a debt collection agency, has called me repeatedly day after day. HDFS has called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their telephone number is XXXX. On XX/XX/XXXX, a HDFS representative even called me and left a message using another telephone number, XXXX. My phone voicemail is filled with numerous calls from this company. These calls have been annoying and blatant harassment. 

The representatives leave voice messages for me to call them back about my being listed as a reference or wanting me to clarify some details. I want HDFS to cease and desist calling me because I do not want to talk to its representatives.
Consumer complaint received 2023-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (MI)

Purchased item from XXXX that was sold by and shipped by XXXX using Affirm financing. XXXX never delivered order items and both XXXX and affirm refuse to cancel the loan. 

XXXX order # Order # XXXX Affirm loan id XXXX XXXX shipped the wrong items. Blatantly wrong different model, part number, price, features, etc. XXXX then refused to offer any options except I pay {$8.00} to ship the wrong items back to them and refused any refunds or reshipment of the correct items until that happened. There are XXXX other orders that they also messed up at the same time for tens of dollars and those strangely got refunded. The {$850.00} order strangely was not despite being the exact same issue. 

That is XXXX times they have broken FTC trade law using the commonly accepted definitions. 
XXXX XXXX XXXXXXXX I reached out to XXXX for resolution. Their only answer is illegal. Went through Affirm 's dispute process and they sided with XXXX because XXXX 's actions follow XXXX policy, which could not be provided in writing by either XXXX or affirm.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (FL)

XXXX, XXXX and equifax keep reporting a XXXX XXXX bill on my credit profile that doesnt belong to me. niether company wont tell me what address that this bill is attached to. this is messing me up from applying for apartments on top of it not belonging to me
Consumer complaint received 2017-02-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: POPULAR BANK (CA)

We are trying to sell our home, checked the XXXX if we have any claim against our property in XX/XX/XXXX. None recorded. While opening escrow, we received the preliminary report from the title company that we have a XXXX lien against our property by Banco Popular North America. They sold that XXXX lien to XXXX. This sale is on paper but never has been officially recorded. XXXX XXXX in XXXX, CA XXXX needs to have a recording. We tried several times to get Banco Popular to record this transaction. They refuse. We ca n't sell our home. 
The above process took place in XX/XX/XXXX, while we were under chapter XXXX bankruptcy proceedings. The XXXX Bankruptcy XXXX XXXX XXXX California declared the above XXXX lien to be entirely, permanently, and for all purposes void and unenforceable in XX/XX/XXXX.