davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
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. (TX)

The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) a court order. d ) employment. I recently pulled a copy of my credit report and noticed inquires that I did not authorize and do not fit A, B, C, or D above. I also sent an FTC report 30 days ago. Remove the following inquiries : XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX,
Consumer complaint received 2024-09-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (WI)

I opened an account on XX/XX/XXXX or XXXX of XXXX my first payment of XXXX was not due until XX/XX/2024 I set up a one-time payment as well as auto pay for the remainder of the terms. during the time my payment was set up they revamped the website and created a new portal and set up the payments. the old webpage was deactivated right after. this was not my first purchase from TD bank and XXXX. 

Once the new website went live because I set up XXXX payments the website deleted my onetime payment ( it was not late ) and kept my auto pay for the next month. 
I spoke with a rep at the company because I was charged a XXXX late fee. She said she was able to tell me that their system created the issue, and said I would see a credit on my next statement for the late fee. 

The XXXX statement shows the XXXX fee is still there, but TD BANK changed my payment terms from XXXX a month to XXXX a month without sending me any new payment terms agreements or asking if I wanted to increase my terms and payment amount. 
TD Bank just changed my loan without approval from me. Now my loan went from 39 months 0 % interest for XXXX a month, to roughly 16 months 0 % interest at XXXX a month. 

I did not agree to the change in terms or was I sent anything in writing.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

On the XXXX of XX/XX/XXXX I received a phone call from TD Bank asking if I was in the bank withdrawing XXXX, I said no I am at home... than I heard the teller say " do not give that man that withdraw it is not Mr.Began '' No further phone call from TD Bank NOTHING... I went directly to my local branch and had them show me my accounts, 20 Years with is bank .... from XXXX thur XX/XX/XXXX someone used a fraudulent Debit card with a pin and withdrew XXXX It was not until the teller on the XXXX of XXXX called to verify... 

I filed a Affidavit of Unauthorized withdraws, and had to close accounts TD Bank XXXX NJ XXXX XXXX took my report Received a statement, they deny my claim and reason THE CHIP AND PIN WERE USED ..... 

They have the video surveillance of these times this man waled in there branches as he were I, they will not give us any help with what if any investigation was done .... 
I am also filing with the FTC, they explained to file with you also, for the unjust treatment and XXXX TD Bank thinks they can get away with thank you XXXX XXXX
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

I currently have a Chase checking account. From XX/XX/2023 till today XX/XX/2023, the institute that I bank with, Chase has been charging me overdraft fees. Chase has charged me a total of {$570.00} between the dates above. On XX/XX/2023, I called Chase to try and resolve this issue. I spoke with a representative by the name of XXXX. I also spoke with a supervisor. Both informed me that Chase takes breaks during the holidays, therefore deposits may take a little longer. I have auto pay on all of my bills, I received a deposit to cover all my bills charges On XX/XX/2023. Chase takes XXXX  days to clear deposits which make my account look like its at a negative, causing for their system to charge me a total of {$34.00} dollars XXXX times of overdraft fees. I have also written a letter to Chase requesting ways of us being able to resolve this issue. I'm tiring my best to keep up with the account but with all the overdraft fees, its becoming a little harder.
Consumer complaint received 2024-09-17
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. (IL)

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 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Law states that my Transactions are not included in the Consumer Reports. A payment history is a history of all transactional payments. A late payment is only a factor of F.I.C.O. yet it's being reported illegally on my Consumer Reports.
Consumer complaint received 2023-05-08
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: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

I have contacted both First Interstate Bank and XXXX to remove errors in my credit report many times and they will not remove this account from my credit report. First Interstate Bank has verified this as being correct. 

This account is Account Number as it appears on my XXXX XXXX XXXX dated XX/XX/XXXX Confirmation # XXXX, XXXX FIBANK XXXX XXXX XXXX XXXX MT XXXX : XXXX. 

The Opening Date on this report shows XX/XX/XXXX. I filed XXXXXXXX XXXX XX/XX/XXXX. I did not open this account. ( Error 1 ) Date of Last Reported Update was XX/XX/XXXX ( Error 2 ). There was no loan made with First Interstate Bank ( Error 3 ). This was 24 days after the XXXX XXXX  was filed. FIB claims this was charged off ( Error 4 ). Months XXXX XXXXXXXX This was not a 6 years loan ( Error 5 ) XXXX XXXX  Paid and Closed, If this was Paid off was was it a charge off ( Error 6 ) Account History shows payments starting XX/XX/XXXX to XX/XX/XXXX Date of last payment was XX/XX/XXXX - 4 months of difference?????? ( Error 7 ). Date of 1st Delinquency XX/XX/XXXX - Date XXXX XXXX. XXXX Reported XXXX/XXXX This is 6 years LATER ( Error 8 ). 
High Credit Limit - Missing Information ( Error 9 ) Credit Limit - Missing Information ( Error 10 ) Terms Duration - Missing Information ( Error 11 ) Actual Payment Amount - Missing Information ( Error 12 ) Balance Amount - Missing Information {$0.00} ( Error 13 ) Scheduled Payment Amount - Missing Information ( Error 14 ) Date of Last activity - XXXX Incorrect - ( Error 15 ) Charge off Amount {$0.00} - If this account was multiple years old and charged off why is this amount {$0.00}? ( Error 16 ). 
This account has been verified by First Interstate Bank. By law FCRA section 609 and 611 requires First Interstate Bank and XXXX to report information accurately or remove the account from my credit report. 16 Errors are visible.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-17
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. (UT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

I am writing to file a formal complaint against this creditor, who I believe has violated consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action, including the removal of the associated debt from my credit report. 
I have outlined the specific violations and concerns as follows : Re-Aging of Debt : Creditor has attempted to re-age a debt by reporting a more recent date of delinquency, which is a clear violation of the FCRA ( 15 U.S.C. 1681c ). This re-aging misrepresents the actual delinquency date and has resulted in the debt remaining on my credit report for an extended period. 
XXXX and XXXX Practices : XXXX has engaged in harassment, false statements, and abusive practices in their attempts to collect the debt, in violation of the FDCPA ( 15 U.S.C. 1692d ). These practices include false representations on my credit report with their abusive practices. 
I have enclosed copies of relevant documentation to support my complaint, including copies of credit reports that demonstrate the re-aging of the debt. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations by this creditor. Furthermore, I request that you ensure the removal of this debt from my credit report, as it has been inaccurately reported due to the re-aging and associated harassment. 
I appreciate your prompt attention to this matter and your commitment to protecting consumers ' rights under these vital consumer protection laws. Please let me know if you require any additional information or documentation to facilitate your investigation. 
Thank you for your assistance in resolving this issue.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I had to go into a Bank of America branch to deposit a check that was made out to my husband and I. I was coached that my checking and savings accounts were outdated and I could be benefiting from better interest on my account balances by upgrading to the latest account. Fast forward a couple of months and Im now being charged monthly maintenance fees for not upholding a certain account minimum, which was never communicated to me when I was advised to upgrade my account. This feels very misleading, as Ive been a Bank of America customer for over a decade. They should not be able to do this.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

In XX/XX/2023, I went on to the Jetblue Barclays website in order to set up a repayment plan for my credit card account, as I received emails from Jetblue/Barclays offering alternative repayment options. I set up what I thought was a repayment plan that would allow me to get back on track after falling in financial hardship due to recent XXXX  XXXX. 

I didnt realize the repayment plan option that was given to me online would close my account as it wasnt explicitly displayed on the site ( also all of the other credit card companies I called that day to set up a payment plan with didnt involved the account being closed ) resulting in me overlooking that important detail.

Im asking that because this error/over-site occurred less than a month ago, that my account be reinstated. Ive worked so hard over the years to build my credit and this would be devastating to my future financial health.
Consumer complaint received 2023-11-13
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)

This marks my tenth attempt to bring to your attention that I am a victim of identity theft. I am submitting this complaint to dispute the inclusion of items in my file resulting from this crime. The contested items are unrelated to any transactions involving the acquisition of goods, services, or funds that I have either made or authorized. I request the removal of the reporting of these items from my credit file, which stems from an alleged identity theft, in accordance with FCRA Section 605b. Per the aforementioned section, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report, under reference number XXXX. Please review the specified items that necessitate removal from my credit reports : EXPERIAN : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

My XXXX XXXX is a now closed account. I have a balance that is due. I am UNABLE to add a payment account. I have called XXXX for XXXX  days straight to no avail. 

I spent atleast XXXX minutes each call getting passed around from agent to agent and NOTHING is resolved. 

This bank is trying to prevent me from making a payment. I spoke XXXX tonight XX/XX/year> and she too can NOT add a new account! Her solution was to mail a check or to use the XXXX account still in my profile. I do not have funds in that account. 

There should be absolutely XXXX  reason why a customer XXXX an agent can not add a payment account. 

Additionally, I removed my email address from my BarclayBank account as I am in a payment program and the bank would constantly, as in DAILY send emails inciting/ threatening my payment program was in jeopardy of ending if I did not make my payment - THEN! These notices come XXXX  days plus before my payment is due. And daily until it is due. It is absolutely a form of inappropriate business practice. A FRIENDLY reminder is acceptable, but to start the message out the plan is in jeopardy of being canceled is EXTREME and unnecessary, especially A WEEK OUT!
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Update : previous complaints filed. XXXX deducted XXXX XXXXXXXX after authorization was withdrawn within XXXX minutes of their refusal to honor the agreed upon interest rate. 

Bank of America allowed XXXX to remove XXXX XXXXXXXX from my checking account on an overdraft, sending my checking into a negative balance of $ XXXX less the cash I had in there. All of my transactions began to bounce, and I could not pay bills or even authenticate an outside bank account in order to move money or pay my BOA credit card with other funds as my funds were unlawfully denied access. 

Meanwhile, initiated transfer to get my money out of BOA, after notifying them of unlawful XXXX transaction, which they refused to " flag ''. Initiated money transfer XXXX  XX/XX/XXXX. XXXX did not go through. Authenticated through fraud unit which then stated the money would transfer, but it didn't. Did this twice, then the transfer terminated. Initiated another transfer. Called to see why transfer was not going. Told money was on hold with internal fraud department and phone number could not be provided. Went to bank to withdraw money at BOA XXXX XXXX XXXX XXXXXXXX XXXX. Told I could not have the money. Told the money would transfer, after BOA in XXXX had already told me the money would not transfer due to some " internal hold ''. 

Meanwhile, XXXX allegedly returned the XXXX XXXXXXXX. Still my money was not available to me. Called XXXX to get police to file police report. XXXX at BOA, the same woman who refused to file the dispute on Monday, XX/XX/XXXX, deliberately misdirected police, indicating the money was releasing, and denying the XXXX XXXXXXXX transaction, even printout out the savings account, when the overdraw was in the checking. 

Police officer claimed it was my own fault for engaging in internet banking, that I should go to the branch, and that this was just a timing issue. Further, wanted my passwords to my bank accounts from my phone, which I have never set up for obvious reasons. Claimed I didn't have any " paperwork '', given all of this was done electronically, and he could not proceed without verification, despite the fact that the printout provided by XXXX showed my money " gone '' and a zero balance, and the money was not at the transfer bank. Meanwhile, repeatedly told him BOA was not going to send the money per their fraud department, as they had already failed to complete the transfer twice before. 

I don't have my money.
Consumer complaint received 2023-11-13
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. (MO)

I am writing to bring to your attention the ongoing issue with a charge-off account on my credit report. Despite my initial dispute, this account remains, and I am making a second attempt to have it removed as it is negatively impacting my financial standing. 

I previously contacted your organization to dispute the inclusion of the charge-off account on my credit report. This account is not an accurate reflection of my financial history and has led to significant difficulties in obtaining loans, securing favorable interest rates, and reaching my financial goals. 

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the charge-off account. 
Any evidence supporting my claim that this account should not be on my credit report, including payment records or any relevant documentation. 
Despite my initial efforts, the charge-off account continues to negatively affect my credit report. I am deeply concerned that this inaccuracy may further hinder my ability to secure housing, employment, or access credit services, and it poses a significant threat to my financial well-being. 

I am formally requesting a thorough reinvestigation into this matter. I urge you to take prompt action to remove the charge-off account from my credit report and ensure that my credit history accurately represents my financial responsibility. 

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove these charge off accounts : XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$8700.00}.
Consumer complaint received 2023-11-14
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. (TX)

I noticed I had several inquires from XXXX and was told they can not be removed because they are tied to an open account. Im not sure how that is possible because the account they are saying its attached to was not opened until XXXX with XXXX which it shows that on my report. Ive tried calling all 3 bureaus but only XXXX removed them. XXXX and Experian are telling me to call each company and have them remove it and Ive called all companys only to be told I need to call XXXX and Experian.