davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America XXXX XXXX XXXX XXXX, FL XXXX Re : Disputing errors on credit report Dear Bank of America I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : The report shows the above customer currently owes {$37.00} to your company. Be advised this account was resolved with full payment and closed at its initial date of delinquency, reflecting that the account was closed before said date. The card was deactivated once the account was paid in full and closed by me, the account holder, and Bank of America. Please urgently remove this from my account. Thank you in advance. 

Dispute Legal I request immediate action to remove this information under 18 U.S. Code 35, imparting or conveying false information against a person or entity. Please remove this as soon as possible. Thank you again.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc (MS)

I got a loan with chime financial for XXXX in XXXX of XXXX. It was a 3 month payoff agreement. Consisting of XXXX per month ending in XXXX of XXXX. I paid two payments as agreed and was delinquent up until XX/XX/XXXX in which paid off the remaining XXXX. They have let this remain on my credit report as if I never paid it off and reporting me late after the loan was paid in full. I have XXXX several time since then but they information is coming back accurate as if I never paid it off. I dispute with XXXX  one and time was deleted because it was verified that the debt was paid. I have to someone at chime financial and they have told me that it was paid but it is still on my credit report and was flagged as collections on XXXX  since then.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/XXXX XXXX fraudulent withdrawal from teller in the amount of {$5000.00} XX/XX/XXXX XXXX fraudulent withdrawal from teller in the amount of {$4000.00} XXXX XXXX my car was broken into and my wallet with my Id and credit cards were stolen along with my work laptop and gym bag. Banks were contacted along with police. 

Faxed fraud packet provided by chase bank detailing the fraud that was committed. Faxed signed document 5 different times from the branch with a teller employee by chase bank and each time they never received said document. 

It is now XX/XX/XXXX and I still havent received funds back in my account. 

They keep stating they cant start my claim unless they receive the fraud packet but Ive tried faxing it and sending by mail but no response. Each time theyve said theyve never received it. And this has been sent each time from the bank itself.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NV)

MY NAME IS XXXX XXXX AND I OPENED THIS BUSINESS ACCOUNT FOR XXXX  XXXX XXXX XXXX. ON XX/XX/2023 BECAUSE I STARTED DOING AFILLIATE MARKETING AND PAID SURVEYS. WELL MOST COMPANIES ONLY PAY YOU VIA PAYPAL. LAST WEEK I SPENT ALMOST TWO DAYS ON A SURVEY THAT PAID {$120.00} TO COMPLETE TO HELP WITH MY FOOD. TODAY THE PAYMENT WAS SENT PAYPAL HAS PLACED A 21 DAY HOLD ON EVERY DIME I HAVE AN HAD BEEN WAITING ON. THEIR REBUTAL IS BECAUSE MY ACCOUNT IS NEW I NEED TO DO 10 SALES, NO COMPLAINTS FOR 60 DAYS, AND MAKE {$200.00} IN SALES. THAT IS UNREASONABLE BECAUSE I DO NOT SELL ANYTHING AND THAT GOAL WOULD TAKE A LONG TIME WITH AFILLIATE MARKETING AND DOING PAID SURVEYS. TRADITIONAL BANKS DO NOT WITHOLD DEPOSITS FOR 21 DAYS SO HOW CAN THEY GET AWAY WITH THIS. I HAVE HAD TWO PAYMENTS OF {$10.00} AND CHANGE FROM DOING SURVEYS ON ANOTHER SITE NOT THE ONE THAT SENT THE {$120.00} AND THOSE PAYMENTS WERE NOT HELD. THIS IS COSTING ME UNJUST SUFFERING AND I WILL NOT STOP UNTIL THIS PLACE YES PAYPAL MAKES THIS RIGHT AND GIVE MY GROCERY MONEY TO ME THAT I HAVE WORKED FOR AND EARNED. ONE CUSTOMER SERVICE REP ASKED ME TO WRITE THE SENDER BACK AND ASK THEM TO SEND THE PAYMENT AS FRIENDS AND FAM INSTEAD OF GOODS AND SERVICES. THAT IS A PLACE OF BUSINESS WHO WILL NOT LIE FOR ME SO THIS IS JUST PREPOSTEROUS.
Consumer complaint received 2023-11-06
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. (IL)

I requested that the bankruptcy be removed from my credit because the US BANKRUPTCY COURT does not report to the credit bureau. Both XXXX an Experian refused to remove the information stating the information is accurate. The information is not accurate because I resolved the debt myself an the bankruptcy was dismissed on top of the reporting issue.
Consumer complaint received 2024-06-17
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. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Yamaha Motor Finance Corporation USA (CA)

Your Company : XXXX XXXX is furnishing inaccurate information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
The continued reporting of this inaccurate information is a clear violation of law 15 USC 1681 s2 of your responsibilities as a furnisher of information XXXX XXXX XXXX Balance Owed : {$6100.00}.
Consumer complaint received 2024-09-01
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. (SC)

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS ON CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, EXPERIAN, AND XXXX XXXX HAS BEEN INVOLVED IN A DATA BREACH. THE SOCIAL SECURITY ADMINISTRATION HAS BEEN INVOLVED IN A DATA TO WHERE MY CONSUMER REPORT HAS BEEN VIOLATED AND MY PERSONAL INFORMATION HAS BEEN RECEIVED BY HACKERS. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS.ACCOUNTS ARE NOT CONSUMERS AND ARE SOMEONE ELSES ACCOUNTS THAT ARE CONSUMERS REPORT. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. DO NOT VERIFY THIS INFORMATION WITH E-OSCAR SYSTEM, VERIFY INFORMATION WITH A HUMAN. I WANT THE INDIVIDUALS NAME WHO WILL BE DOING THE VERIFYING. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS.
Consumer complaint received 2024-09-05
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. (LA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP (IL)

I applied for extension of my credit today and got denied and denials are unlawful as the original creditor. US Bank sells the promissory note signed by the consumer for loan amount which was XXXX in this case and then sends me a denial notice which violates my rights and is illegal. I need my car in exchange for the note they cashed and tried to leave me out the deal by not telling me immediately why I got denied which is unlawful anyway according for 15 usc1611, 15 usc 1605.
Consumer complaint received 2024-08-31
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. (FL)

Sirs, Despite my repeated efforts, Experian continues to report inaccurate information, which has caused me significant harm. I have sent multiple letters ( with attached certified mail proof marked as Experian D ) and have also submitted several complaints through the CFPB portal ( case numbers listed below ). However, Experian has consistently responded by claiming they have " verified '' the account. This approach is both unnecessary and incorrect. The account should be deleted, as it contains severe inaccuracies that violate the law. 
Previous Cases, Where the Company Did Nothing : XXXX XXXX XXXX XXXX I hereby outline the inaccuracies reported by Experian, which are unrelated to any account verification processes that Experian has repeatedly and improperly invoked over the past several months : 1. Illegal Monthly Updates on a Charged-Off Account : As demonstrated in the attached document marked Experian Discover Reporting updates, Experian has been unlawfully updating a charged-off account on a monthly basis. This practice is not only inaccurate but also violates the Fair Credit Reporting Act ( FCRA ).

2. Inconsistent Reporting Across Credit Agencies : The attached document, marked Experian Reporting Differences, clearly illustrates discrepancies between the reports from XXXX, XXXX, and Experian regarding the same account. Specifically, the Date Last Active is reported differently by each agency. Such inconsistencies are not only inaccurate but also constitute a violation of federal law under the FCRA. 
These actions by Experian are in direct contravention of the law, and I demand the immediate deletion of this inaccurate account from my credit report. Failure to correct these inaccuracies may result in further legal action.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Your Company USAA FSB is furnishing inaccurate information to the consumer reporting agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes.

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s2 of your responsibilities as a furnisher of information USAA FSB XXXX Balance : {$22000.00}.
Consumer complaint received 2023-12-19
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: U.S. BANCORP (MO)

I purchased a bolt cutter from XXXX that was supposed to cut steel up to XXXX inch diameter but only cut steel at XX/XX/XXXX inch diameter making it useless. XXXX only allows returns for just 30 days but I did not need to try it until 60 days later. After filling all 6 pages of information always demanded by US Bank for every charge back, and ignoring all other information sent to them ( I think this is a violation of federal law ) I just received a letter from them on XX/XX/XXXX denying my charge back without giving me a reason, and threatening me saying if I do not pay this charge on time they will report me to 4 credit reporting agencies hurting my credit rating. I have never missed a payment with this bank?
Consumer complaint received 2024-10-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NJ)

I opened a CD with JP Morgan Chase XXXX months ago. My CD matured on XX/XX/XXXX. I received a letter that said if I wanted to make changes, I could do that from XX/XX/XXXX - XX/XX/XXXX. I called on XX/XX/XXXX and they said I could not make changes on that day because I would lose all of my interest accrued. I called back on XXXX and they said I needed to go into a branch. I was not told this in the letter, or on the phone on XX/XX/XXXX. They intentionally make it hard to make changes, but easy to open an account online. I told them I would not be visiting a branch and she is moving the money to my checking account, but they are intentionally making the process difficult. If I let it role over, my interest rate will go from XXXX XXXX to XXXX XXXX. ALthough they won't actually confirm that unless I go into the branch. The letter says current rates, which is the rate showed online. However if I choose a different term, I could get much better rates, but again, they make that difficult to figure out. They should be required to give you the actual rate and you should be able to do this online or over the phone. If you can open an account online, you should be able to close it the same way.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

My XXXX  XXXX from Wells Fargo was selected for income verification on XX/XX/XXXX, and a letter indicating as such was mailed on XX/XX/XXXX, which I received XX/XX/XXXX. Wells Fargo requested I fax a completed form 4506-C to them, along with XXXX cardholder consents to tax return information, by XX/XX/XXXX. 

However, the letter did not provide critical details needed to fill out that form, namely, whether they were requesting 1 ) form 1040, 1065, 1120, or something else, 2 ) a Return Transcript, Account Transcript, and/or Record of Account, and 3 ) the time period they were looking to verify. Many calls to customer support did not indicate the correct values to these fields, so I ventured to leave the unknown fields blank. 

That unfortunately resulted in the form being rejected, and my account being closed immediately on XX/XX/XXXX, with no opportunity to resubmit a corrected form ahead of the deadline on XX/XX/XXXX. 

Yet it was only after submitting that form incorrectly could customer service representatives see the reason for rejection and inform me of the correct fields to put. Despite my account having been closed, I resubmitted immediately regardless. 

The resubmitted form resulted in a general hold being lifted from my other accounts on XX/XX/XXXX - ahead of the initial deadline - indicating the second income verification attempt was successful. However, because my XXXX XXXX had already been closed, it has remained so, even though I provided every piece of info requested in a timely matter, and all requested info was ultimately processed successfully ahead of the deadline. 


While that is an ordeal and ultimately what got my account closed, I feel compelled to note I had already successfully completed income verification just XXXX month prior, in XXXX- thought that similarly required tons of back and forth and repeated calling. To be selected immediately again just XXXX month later appears to be discrimination, or gross incompetence at best. 

Supporting this is the utter ambiguity both in writing and over the phone in how to successfully satisfy their verification demands. I have now faxed Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have clearly done far more than any person could be expected to simply to maintain an existing credit account- which I note was paid off in full.
Consumer complaint received 2023-11-07
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. (VA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (IN)

XX/XX/2023 Midland Credit Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Re : Account # XXXX To Whom It May Concern : I am writing to dispute the above referenced account on my credit report. According to the Fair Debt Collection practices Act ( FDCPA ), debt collectors must provide validation of the debt if the consumer disputs it within 30 days of the initial collection notice ( 15 U.S.C. 1692g ) .i dispute this debt for the following reasons : This is not my account. 

The balance being reported is incorrect. 

This account does not belong to me. 

You have not provided sufficent evidence that i owe this debt. 

As i am disputing this account under the FDCPA, i request that you provide complete verification of this debt including : A copy of the signed original contract or documentation bearing my signature that shows i am directly responsible for paying this debt. 
An itemized accounting of the amount you are trying to collect including all fees and charges. 
The name and contact information of the original creditor. 
The FDCPA states you must cease collection efforts until you have provided me with the requested documentation. Please remove the account from my credit report until the requested documentation is provided.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

A fraudulent application was made in my name with Equifax. I called them to freeze my credit reporting and they won't do it over the telephone. My cell phone is private information they don't need since they have my email address. I asked them to email the code to access my credit report. They refused to use email. I don't want my cell phone used for that. I use my landline phone for that. They wouldn't then send it verbally to my landline, which they also have on file.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NY)

On XXXX XX/XX/2023 I provided written notice to Early Warning Services to opt out of any and all authorization. No response was provided. On XXXX XX/XX/2023 at approximately XXXX ; XXXXXXXX XXXX I contacted Early Warning Services to opt-out of their services, which I was informed that it can not be done. I also requested proof of who gave authorization to have my information without my written consent. That couldn't be proved or provided to me as well. My bank terms and conditions states that they do not give information to non-affiliates. I am requesting that XXXX XXXX XXXX comply with XXXX CFR XXXX Form of opt out notice to consumers ; opt out XXXX XXXX XXXX XXXX with respect to disclosures of personal information.