davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-06-30
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: EQUIFAX, INC. (TX)

I have made several attempts in requesting help from Equifax in regards to two collection accounts on my credit report. XXXX XXXX is the owner of these alleged accounts and they have only supplied proof of these debts existence in the form of " printed-out '' statements and bills, although i have requested legal proof such as a contract, promissory note or agreement bearing my signature .I have submitted all documents supporting my dispute to Equifax and they have failed to respond. Equifax has failed to protect me as a consumer by not doing a proper investigation on my behalf and allowing XXXX XXXX to continue to report negative, inaccurate information that they have not proven to be legally mine.
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

On XX/XX/XXXX I was sent an Installment Loan Final Payment Notice stating a final balance due on my auto loan with Fifth Third Bank of {$830.00}. We expected to owe no more than a few hundred. This total was a shock.

After receiving the notice on Saturday XX/XX/XXXX, I called the customer care number of XXXX first think Monday morning, XX/XX/XXXX. I spoke first with XXXX, then escalated to XXXX in customer care.

They explained that 19 late charges ( each a ~ {$27.00} fee ) had added up over the life of the loan.

All they could do was reverse two charges. Yet, after a detailed account inquiry with them, I am formally submitting a complaint for these reasons : - I was never alerted we owed any late fees - We paid every single payment using the coupon book - We always mailed payment to the Bank prior to XXXX  of monthlast day of grace period - On a few occasions when we knew we missed grace period, we included an additional {$30.00} late fee - We were given no way to have the Bank waive the additional fees, but instead were told regulators do not allow banks to work flexibly with people in these situations for fear of favoritism ( my words ) We owed {$300.00} but now still are expected to pay {$830.00}, though we paid every coupon payment in full. This is not acceptable.

Please note that Fifth Third sent me this notice on XX/XX/XXXX and I did not receive in the mail until XX/XX/XXXX.

I sent in all my payments in the mail with postmark before the end of the grace period. Yet I am penalized for mail delays we see so common, even from the Bank sending this notice to me.

The Bank told me todayfor the first timethat I had 19 late payments for this exact reason. I have had a sterling credit history and do not make late payments as a pattern. I thought all along I was playing by the rules and was never told otherwise, until the shock of a lump sum final payment hit, with no reasonable options to sort it out without having the escalate to the Federal Government ( CFPB ).

Had the Bank alerted me each time I had a late fee charged for this reason, I would have paid it right away and known not to postmark by the XXXX, but by the XXXX. By extending consumers a grace period ( to the XXXX, in my case ) but then penalizing them for not having received the payment by the grace period date, it is no grace period. It is another way for the Bank to take advantage of its power position in the situation.

Yet, the Bank Personnel I spoke with were fantastic and understanding. Community banking practices would have allowed them to remove the fees. Regulating these practices out of our system may feel more fair, but it is actually harmful and slow. The bank should be able to remove these fees after a simple inquiry on its own, without me having to resort to this complaint.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 use 1681.

XXXX XXXX XXXX XXXX XXXX**** 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than XXXX  years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (TX)

Multiple accounts have been opened or have tried to be opened in my name. 

List follow as such : XXXX XXXX XXXX XXXX on XXXX the XXXX 2021 ( Checking and Savings ) - XXXX XXXX XXXX XXXX XXXX on XXXX the XXXX 2021 ( Checking and Savings ) - PNC Bank Region 1 on XX/XX/ 2021 - Multiple With XXXX XXXXXXXX XXXX from the XXXX to the XXXX of XX/XX/ 2021 - And More PNC Bank on XX/XX/XXXX and XXXX 2021. 

( From XXXX XXXXXXXX XXXX )
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (PA)

as a consumer, I request to know all the steps your agency look to ensure these items Were 100 Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description. XXXX : XXXX XXXX XXXX account # XXXX Equifax : XXXX XXXX XXXX account # XXXX XXXX : XXXX XXXX account # XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I, XXXX XXXX has been in contact with Equifax since XX/XX/year> disputed the information on XXXXXXXX XXXX {$100.00} which is closed. This is not my account and I have expressed this to the credit agency on several occasions. This can not even be proven to be mine either, I am not liable for this derogatory erroneous information. I am established when it comes to credit, why would I invest in a subprime secured credit card? This information is frivolous and needs to be removed from my credit files or else I will seek an attorney.
Consumer complaint received 2024-06-24
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. (WA)

Attempted to submit dispute against credit history. I filled out the online form, then clicked to upload my documents, which contain absolute proof of the creditor 's error. I selected the documents and clicked Open as usual. Then back to the Equifax screen. There was a button to skip upload, a button to go back ( and reattach the documents ),, and to cancel the dispute. There was no Submit button!

I am an experienced web designer and perfectly competent at using web forms. I can assure you I did nothing wrong ; I even retried twice just in case but got the same result.

I called customer support and was hit with offers for insurance help and medical alert bracelets. I did not press 1 ( or anything ) to hear these offers, but was sent to them anyway after about 20 seconds. There was no way to back up and get back to any main menu. 
And we trust our financial well-being to this incompetent organization! Due to a creditor 's absolute mistake, I am a senior citizen of means with a perfect account payment record and I am HOMELESS! The system is so broken. Once a company decides to ruin your life through no fault of your own, there is no recourse. What makes it especially cruel is that consumers are lied to and told that there is.
Consumer complaint received 2024-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2024-06-24
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. (CO)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Consumer complaint received 2024-08-29
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. (CA)

* I am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXXXXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/2024 - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts. This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account number : XXXX and XXXX Collector : XXXX XXXX Original XXXX XXXX   Status : Unpaid Balance Amount : {$320.00} and {$420.00}
Consumer complaint received 2024-07-03
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. (GA)

According to FCRA Section 605B, it is illegal to report information on my credit report without my permission. These companies were not given permission to access my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OH)

I have had various checking accounts and a Mortgage through Chase Bank. Going back many years but also just in the last few days I have been a victim of them generating as many Insufficient Funds fees as possible by processing checks and other transactions not in the order they present to the bank but always, always starting with the largest XXXX first and then in order of descending amounts to charge the greatest number of {$34.00} fees. I have also had both a check and a direct deposit occur on the same night several times including once within the past 30 days and on these occasions they list the check as presenting before midnight and the deposit afterwards and again hit me with a {$34.00} fee. I am a XXXX and live off an income of only {$730.00} per month plus some food stamps. In the past 31 days they have taken {$130.00} from me using this method of maximizing fines. On a good month, I can barely survive if, and only if, there are n't any extra or unexpected bills. My XXXX XXXX XXXX car needs many repairs. And chase Bank is robbing me XXXX!!! I do n't know what to do. Their practice targets the poor most of all and if not illegal is definitely unethical. I will be closing that account as soon as possible and shopping for a new bank. But I do n't have enough money to survive the month having lost {$130.00} to them in 31 days and starting this month with negative - {$98.00} in the bank. Is it legal for them to process both a deposit and a check in the same night but to do the check first and charge {$34.00} when the money was there to cover it? Is it legal for them to gouge poor customers by always processing checks in descending order to maximize fines? Is there anything you can do to help me get some of it back? 

Just FYI, we also used to have a mortgage through them but when we got behind and tried to catch up they did everything possible to foreclose and evict us. The legal fees we incurred ( while I was still married ) was enough to enough to buy a car. Chase is a truly malevolent and greedy institution.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

After properly, lawfully disputing and deleting four credit items/accounts within my Experian credit file/report, Experian illegally, discretely and systematically re-inserted the same four credit items/accounts despite the guidelines established within section 611 of 15 U.S.C. 1681i, the Fair Credit Reporting Act ( FCRA ). Below are the accounts re-inserted by Experian in addition to a quick rundown of key dates and actions taken by such XXXX XXXX XXXX ( CRA ) : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 
On XX/XX/2019, Experian deleted the five accounts referenced above from my credit report. However, the issues started on XX/XX/2019 when Experian began re-inserting the same accounts into my credit report. Pursuant and dictated under the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), each consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Experian miserably failed to perform this action in violation. On XX/XX/2019, although not being disputed, the accounts identified as XXXX XXXX   and XXXX were re-inserted into my Experians credit report. Systematically, on XX/XX/2019, although not being disputed, the accounts identified as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were re-inserted into my Experians credit report. Finally, on XX/XX/2019, Experian deletes the account identified as XXXX XXXX XXXX XXXX from my credit report for a second time in less than a six-month period.
Consumer complaint received 2024-08-07
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. (OH)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-07-03
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: EQUIFAX, INC. (TX)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 in on those accounts to be removed. 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. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX & XXXX CARD was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in 60 days to be removed.

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. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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!

Delete the late payments from my consumer reports 8