davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (NY)

I am writing to you as the holder of LEASE account number XXXX XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Lease have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XX/XX/year> XXXX XXXX OK OK I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2024-09-26
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'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC (MN)

I contacted XXXX and asked them about my credit card payments and why after paying {$120.00} on a {$300.00} credit balance that it only went down {$4.00}. I was given excuses about how {$75.00} of it was for the fee to sign up and then the rest was interest. In other words out of the {$120.00} that I paid they charged me {$110.00} interest and only {$4.00} went to paying off the {$300.00}. 

I mentioned to the agent who i could barely understand, that if {$120.00} only paid off {$4.00} of the {$300.00} that it would cost me {$9000.00} to pay off a {$300.00} Credit Card. When I informed Indigo that I was recording them and that I would be contacting the FTC and the Attorney Generals Office they got upset and said that they did not give me permission to record them. 

I asked them for the paperwork that states the fees and interests and they refused to send that to me even in an email. 

I then contacted XXXX XXXX to file a complaint and even the lady whom I spoke to stated that it was not right. She then Charged me {$1.00} to be able to look at my account and then there was no other mention of fees until she tried to charge me {$370.00} to send a letter to XXXX and XXXX. I immediately cancelled the call.. Then on XX/XX/year> I received a notice that my bank was charged {$24.00}. I did not authorize that. I tried to send an email to XXXX and they kicked it back telling me that I had to contact another company. There is alot of fraud going on here.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (DE)

There was an automatic payment set up for my checking account that would automatically deduct {$35.00} to put toward my credit card every month. This was in place for 2 years and every statement had this on it : CHASE CREDIT CRD AUTOPAY PPD ID XXXX XXXXXXXX ACH debit. {$35.00} So I was led to believe that this money was in fact going to my credit card. I went to close my account yesterday and asked them how that would impact the autopay and they put me in touch with the credit card department. 

The credit card department said they have no record of ever getting {$35.00} credit toward my credit card. 

So they said I should put in a claim for this and after I did, they said they would only give me 3 ( out of 24 ) payments back because it's in their fine print that I have up to 60 days to issue a complaint. 

I had no complaint. I was led to believe that this money was in fact going to my credit card because every month on my statement, I was told it was -- which was a lie and they don't want to accept any responsibility for the mishandling of my money. 

The charge on my statement clearly says it was going to my credit card, so if it wasn't going to my credit card, where was it going? They don't know. 

I'd venture to say that it went into their pockets or it actually just was deleted from my account and handled like an accounting mistake, but this mistake hits hard when I'm trying to XXXX XXXX XXXX XXXX XXXX  off of a {$60000.00} salary which is impossible to do. 

This extra $ XXXX ( this was on top of the minimum payment I made every month ) I thought was going to pay down my credit card to put us in a better financial position when it wasn't and I think they should be held accountable for their own mistake instead of punishing a consumer like this.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I am writing to formally dispute the bankruptcy listing on my credit report, as it inaccurately reflects my current financial status. Per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information on my credit report is accurate and up-to-date. 
Attached, please find documentation from both the courthouse and XXXX proving that my bankruptcy has been resolved. This evidence substantiates my claim that the bankruptcy listing should be removed from my credit report in accordance with the FCRA. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), inaccurate reporting of my financial information can have adverse effects on my creditworthiness and overall financial well-being. Therefore, I request that you conduct a thorough investigation into this matter and promptly remove the erroneous bankruptcy listing from my credit report. 
I trust that you will handle this dispute with the utmost attention to compliance with consumer protection laws. Your prompt action to rectify this error will help ensure the accuracy of my credit report and uphold the consumer rights outlined in the FCRA and FDCPA. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.Thank you for your prompt attention to this matter. I anticipate receiving confirmation of the removal of the inaccurate bankruptcy listing from my credit report.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (WY)

On XX/XX/year> I became a victim for being scammed. My son and I have joint bank accounts, since he is only XXXX XXXX XXXX. I went and applied for a loan online, and the website to looked real. It was through XXXX XXXX. When I went to the website it looked real. I was not aware that the scammers where going to mobile deposit checks into my son 's saving account. They ran four checks back to back through his account, in the amount of {$400.00} each. This was not authorized by myself nor my son. I did not sign the back of these checks. The scammers signed the back of the checks as XXXX XXXX, I feel the bank should of caught this immediately and shut down the accounts. They did not catch is until 24 hours later. By then it was to late the funds where no longer in the account. That's when the bank put a hold on both my son 's and mine accounts. I did turn this into the fraud department. All they really did was clear up the over draft charges on my son 's savings account. Prior to this happening my son had {$900.00} in savings. 
When I went in to talk to my personal banker " XXXX XXXX '', he told me since it was a mobile deposit, the bank released the funds out of good faith. I told him I did not authorized any mobile checks, even though my name was on the front of them. I am not XXXX XXXX, that is not my signature on the back of it. 
Since someone got hold of my credentials there is not anything the bank can do to help, nor make it right. My son now owes the bank {$1100.00} in his savings account, over this.
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Savor card- I have an auto pay of {$25.00} set up in the event that I forget to make a payment. I understand that I would still have to pay interest on the unpaid balance But I set this up to at least avoid the penalty charge. 

The problem is that every month, I log into the app to pay the full previous statement balance days before the {$25.00} auto pay is set to trigger. There is absolutely no indication that the full remaining balance from the last statement does not include this {$25.00} auto pay. The scam is that even though I paid the full balance, Capital One charges me interest charges for two months after that payment. 

Ive received different explanations for it, but the latest agent explained to me that the full balance does not reflect the {$25.00} that is set to be paid in the coming days. This is a predatory practice and should be stopped. I have not once been notified that the full balance does not include that {$25.00} but they continue to penalize me. 

I would expect that if Im paying the full balance on the XXXX, that would preempt any balance remaining or auto pay on the XXXX, but I have never been notified that this is not the case the latest agent explained to me. 

This agent arrogantly explained that I had it wrong even though I have never received any notice that this is their predatory practice. 

When the app asks if I want to cancel the auto pay When Im paying the full balance days before the auto pay goes into effect, it does not explain that that {$25.00} has been subtracted from the full balance. Im simply clicking the button that says pay last statement balance. How can I possibly know that it is not actually the full balance.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AZ)

I was at the PNC atm located XXXX XXXX XXXX XXXX XXXX AZ. I made a deposit of {$500.00}. The ATM kept going in circles and then stopped and provided a receipt stating that we encountered a problem returning your cash. Please contact your financial institution. I called PNC Immediately and was advised a dispute case was opened the number XXXX. I was informed that the department that could expedite the provisional credit was closed and to call back today. I called back today and the representative from yesterday entered the amount as {$800.00} incorrectly. The representative on today had to close that one and open a new one XXXX for {$500.00}. I was advised something different. This representative told me that is a provisional credit can be given I'd know by Monday XX/XX/year> and to keep checking my account. That is not good enough for me! I have bills to pay and need my money now before it's too late! I did not break the item or cause the error.
Consumer complaint received 2024-09-26
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX5 U.S.C 1681 S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer reporting agency if he believe the information in inaccurate XXXX accordance with the Fair Credit Reporting Act the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

A TransUnion credit alert informed me that in XX/XX/year> XXXX fraudulent student loans appeared on my report, for {$XXXX} and {$XXXX}, courtesy of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I lodged a dispute through TransUnion and their response says " the disputed information was VERIFIED AS ACCURATE ''. 

Calling the number above, this does not seem like a legitimate number for XXXX. Their website lists the same number as an XXXX, not an XXXX number, i.e., the number is really ( XXXX ) XXXX not ( XXXX ) XXXX. This leads me to wonder if ( XXXX ) XXXX could lead us to whatever scammer took out these fraudulent loans in my name. 

The first time I called ( XXXX ) XXXX I heard : " Press XXXX if you have {$XXXX} of loans. All other callers, press XXXX. '' I pressed XXXX and a different voice said, " Thank you for helping us with our survey, '' and it hung up on me. 

Second try to the same number : A recorded woman 's voice ( that I did not recognize from the first call ) told me some lucky callers get a prize. " If you are over XXXX, press XXXX. Otherwise press XXXX. '' I pressed XXXX, and another woman 's voice asked me if I understand we're being recorded. I said yes. She launched into a long spiel about a free gift, something about a help button you hang around your neck -- something for senior citizens. I tried repeatedly to interrupt her, only to realize she is also a recording. She finally wrapped up her long sales pitch that ended in some perfunctory question like, " Are you ready to receive your prize? '' I said, " No. I need to speak to a human. '' At that point a different voice came on, saying, " This is the medical line. Let me transfer you. '' And then it hung up on me again.
Consumer complaint received 2024-09-26
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
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: EQUIFAX, INC. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  - collection XXXX XXXX - collection XXXX XXXX XXXXXXXX - late payment XXXX XXXX XXXX XXXX XXXX XXXX - collection XXXX XXXX XXXXXXXX - collection 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 Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Employers : XXXX XXXX