davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported 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 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 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

Experian has repeatedly refused my request for an annual credit report through XXXX  and also the experian.com website directly, with me having gone as far as set ting up a direct account with them only to be denied access to the account as well. Have made several attempts to contact them via phone to five separate numbers to no avail, the repeated result of all of my calls has been to get disconnected or hung up on. No apparent method of contacting a person with my concerns is available. I've spent approximately six hours over three days attempting to rectify the situation without success.
Consumer complaint received 2024-06-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (FL)

To whom it may concern, I hope this letter finds you well. I am writing to report an unfortunate experience with the XXXX XXXXXXXX XXXX formally ( address XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, telephone XXXX XXXX XXXX ), which has led to significant inconvenience and financial detriment. 

Two weeks after the purchase, I received a call from XXXX XXXX, a dealership representative, informing me that the monthly credit payment would increase by {$50.00}. This unexpected increase was troubling, but what followed was even more XXXX 

XXXX XXXX proceeded to make persistent and excessive phone calls, amounting to more than XXXX calls per day, pressuring me to go to the dealer and sign a new document agreeing to the increased payment terms without any justification. I asked XXXX XXXX and XXXX, the sales representative, to write a letter explaining the reason, but they refused to write a justification. Instead, they were aggressive over the phone, using treats, and this behavior caused me considerable XXXX and XXXX 

Furthermore, yesterday, I received a call from TD Bank Auto notifying me that the XXXX XXXX dealer had failed to pay off the loan on the vehicle I traded in as part of the purchase agreement. This oversight has resulted in adverse consequences for me, including damage to my XXXX XXXX and reputation due to a delay in paying off the previous vehicle loan, which I had traded in XXXX weeks ago. 

Such actions by XXXX XXXXXXXX XXXX are highly unprofessional and unethical, and they have caused me significant financial and XXXX XXXX. I believe these practices warrant investigation and appropriate action to prevent similar occurrences from happening to other consumers. 

Therefore, I formally request that your organization investigate these matters and take appropriate actions against XXXX XXXXXXXX XXXX to rectify the situation and ensure that they adhere to fair and lawful business practices. Enclosed are copies of relevant documents such as the purchase agreement, communication records, and other pertinent information that may assist your investigation. 

I appreciate your prompt attention to this matter and look forward to your response as soon as possible. Please feel free to contact me at XXXX XXXX XXXX or XXXX if you require further information. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

I have an existing HELOC with Truist. From the beginning of opening the HELOC I elected at the branch to have my interest only minimum payment be automatically deducted from my checking account also with Truist. Apparently this was never entered into my account and right from the start Truist showed late payments which I disputed multiple times on multiple calls totally well over a few hours on the phone. Please keep in mind EVERY time you call it literally take 3 - 4 transfers before actually getting to talk with someone. It really seems to me this is a tactic they employ to discourage trying to call them and resolve anything. I don't have hours on end at work to deal with this issue day after day. 

On our about XX/XX/year>, my income deposit just missed Truist trying to pull my minimum payment. The funds were deposited the following day. Instead of notifying me, Truist did nothing and I was never notified that they had a running 30 day late for months! It wasn't until I deposited {$50000.00} toward my HELOC that a couple months later when I went to transfer funds from my HELOC to my checking account that my HELOC was frozen. 

Once again I called Truist multiple times TRYING to figure out why my account was frozen and NO ONE could tell me, NOR did they inform me that they are showing I missed a payment months ago! After spending 2 - 3 hours on the phone with everything from their mortgage department to XXXX. I was told I would have to go into a branch for further help because they could not figure it out over the phone. 

I took more time off of work to go into my local XXXX, FL branch only to be told by XXXX XXXX ( Branch Manager ) that my HELOC was frozen due to a missed payment. When I voiced my frustration to XXXX XXXX, she said she could file " an appeal '' to have the freeze lifted. After multiple times trying to get back in touch with XXXX XXXX ( most of the time she is at another branch ) I was informed that I would have to re-apply, provide all the same documents I did for my Initial application. I explained to XXXX XXXX that was unacceptable especially since Truist bears some responsibility for not letting me know after countless conversations and never told my payment was 1 day late and never applied to the correct missed payment. 

XXXX XXXX said she can escalate my complaint to her supervisor ( XXXX XXXX ) who would reach out to me in 24 - 48 hours. That was several weeks ago and still nothing from XXXX XXXX or her supervisor that I called, text and emailed. NO response and my HELOC remain frozen! 

Thank you, XXXX XXXX.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

Around XX/XX/XXXX, I went to open A bank account with the Navy Federal credit Union this is not my first attempt when I first attempted to do a membership with them I found out someone did fraud in my name without me knowing I went through all demographics to clear up my name seeking membership I was denied without an explanation. I gave it a while and I reapplied, XX/XX/year>. I drove to the facility with my proper government issued ID, Social Security card and also a recent bank statement to prove my identity witch is some of the materials they asked for, it was submitted I was told to call three days later to check the account it was pending. I called back Friday The representative stated the account was Permanently blocked from doing any type of business with me! I checked my mailbox and I found a letter from them asking me to, provide the same information again so I reached out to the facility. the first representative I spoke to Clearly came and told me I have an account please put me on hold for 45 minutes. Another employee came on. I explained the situation again which was put on hold for another 10 minutes to my surprise she came back on and stated that I was permanently blocked from doing any business with the Navy Federal credit Union without an explanation I provided once again all documentation that was required and still could not get an explanation on why I was denied! I was not granted access to open an account family member served in the military gave me the rite do apply by him serving and having an honorable discharge.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NJ)

Navy Please perform a full investigation. Navy Federal denied my fraud application without even receiving an Affidavit form on file. I want Navy Federal to perform an honest full investigation on this identity theft crime, as soon as possible. I contacted the police, Ive made police reports, I sent forms and letters to Navy Federal po box .

I want Navy FCU fraud department to rewind the cameras of the inside to the bank the day the crime was committed. I want the names to the Navy FCU representative who gave away {$50000.00} unauthorized.

I would like a full investigation as soon as possible.

I have NOT received cash from the persoanl loan. This persoanl loan is a crime of Identify Theft and should be taking serious. Navy Federal did NOT rewind the cameras inside of the bank, Navy Federal did NOT have an affidavit on file before making a decision to decline my request to investigate, also Navy federal did NOT have an police report on file. This is completely illegal. I want to appeal my investigation application, {$50000.00} fraudulent persoanl loan.

My ID and SSN had been copied and used to perform fraud in my name. Im 100 % sure someone from XXXXXXXX XXXX  have stole my identity. XXXX have a service on the platform where as anyone can sell items. I sold my XXXX  device on XXXXXXXX XXXX platform days before this incident occurred. Since then Im now experiencing fraudulent activities in my name. I did not reset my cellar device which had my information inside my notes. A picture of my debit card, ID and SSN were left inside my old cellphone files. Im 100 % sure a criminal have stolen my full identity and used it to commit fraud. 

Please close this fraudulent account. {$50000.00} persoanl loan is unverified and unauthorized. Someone has stolen my full identity.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy federal never credited my platinum credit card of the amount of {$8400.00}. The amount was never reflected into my credit balance and because of that my credit balance is over my credit line.This is affecting my credit score and credit history!!! Navy federal claims the posted date of this amount was XX/XX/2024. The balance was never updated for my card. I have called countless times regarding to this matter and nothing has been done. As well as XXXX fraudulent transactions that navy federal put back on my account in the amounts of {$3900.00} on XX/XX/XXXX. Navy federal always puts fraudulent charges back on my account. Horrible company. If my statement is looked at in debt its clear my Balance is not reflecting the correct amount.
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America holds my vehicle loan Account # XXXX. I pay them though my bank XXXX XXXX and notate on every payment additional principal. They are refusing to apply the additional funds and instead applying it to interest. I have called twice and they are now telling me I either have to call them every month or I have to sign up for a Bank of America checking account. This is in direct violation of my explicit indication to apply my additional monies to principal and must be illegal
Consumer complaint received 2024-06-29
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)

This account was charged off on the following date : XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding the deletion of the following accounts : ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
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)

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I DEMAND the below accounts be deleted from my consumer report. I AM NOT ASKING FOR THEM TO BE VERIFIED. 
Account : XXXX Account Number : XXXX Account : XXXX Account Number XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. Best regards
Consumer complaint received 2024-06-29
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. (GA)

I am a victim of identity theft. The information, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-06-29
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)

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 informationisinaccurate.
Consumer complaint received 2024-06-29
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. (MD)

I am writing in response to their recent decision made on XX/XX/year> to deny my request for the removal of the " charge-off '' status and other negative remarks from my account which I requested on XX/XX/year>. I strongly disagree with their decision and am formally demanding a redetermination based on several legal grounds. 

Firstly, under 15 U.S. Code 1692g - Validation of debts, only the original creditor has the authority to validate debts. As the original creditor, I assert that I do not validate these debts or accounts. Their attempt to present themselves as the original creditor is misleading. My signature and Social Security Number on the application signify that I am the one who granted value, thus making me the original creditor. Therefore, any claim of debt by their company is invalid and must be removed from my account records. 

Additionally, I wish to highlight that their company is in violation of 15 U.S. Code 1601, which outlines the necessity for transparency and fairness in credit transactions. Their failure to comply with these regulations is unacceptable. Moreover, under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance, their company 's actions have caused significant harm to my credit standing.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I filed a dispute for a charge made on my account of {$5700.00} that I disputed because the company did not supply the service I paid for. XXXX asked me for documents which I sent in. Then they reversed the charge after receiving information from the seller. I then sent in a large packet of information to dispute the charge on XX/XX/2023 directly to their dispute office in writing because after contacting XXXX they stated to send the dispute in writing. I also sent in proof that I reported the seller to the Fair Trade Commission, I sent emails begging for the seller to give me what I paid for. I sent a receipt for paying for the service from another company to complete the service and I have not heard anything from XXXX and the charge is still on my account.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Past due payment of 30, 60 and 90 days where reported to credit bureau illegally under US sec 15 USC 6802 B ( opt-out ) .This report was opened on XX/XX/year> under XXXXXXXX XXXX
Consumer complaint received 2024-06-29
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. (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 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 informationisinaccurate.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint XXXX  XXXX which is attached
Consumer complaint received 2024-06-29
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. (CA)

I am a victim of identity theft. 
I don't own all the records on my credit. 
I make a strong request. 
Please clear and delete my entire credit report. 
Overall, the records listed in my credits are not mine. 
Currently, a police report has been requested and a fraud alert has been placed on the credit bureau. 
Please delete this entire erroneous credit report from my credit report.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

XXXX I noticed XXXX XXXX  reported I had a credit card balance with capitol one. I submitted a dispute through XXXX XXXX and called XXXX XXXX. XXXX XXXX said I had open a credit card in California, I explained I lived in XXXX  Idaho and had no knowledge of this account. The representative starting rambling off all charges made on this account, so I ask if I could get a copy of signatures because I know its not mine. He said no because none of the purchases required a signature. So I asked for proof of payment again I was told no. Ive filed complaints XXXX times and nothing has come out of any. This is not my account and Im receiving no assistance having it remedied.