davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

In the period from XX/XX/XXXX to XX/XX/XXXX, I did not have enough funds to cover some automatic payments, and my account was not enrolled in Overdraft Protection, in fact, when I open the Checking Account, I refused to enroll in Overdraft Protection and asked Wells Fargo to decline every payment when I have not enough funds. However, Wells Fargo went beyond the account agreement and decided to pay them and charge me fees for them even though they were low amounts, for a total of {$170.00} in 5 days. Some of the transactions occurred the same day but they posted in different days so they can apply additional fees. Three of the transactions were lower than the fees they applied, one of them a XXXX $ transaction which they charged {$35.00} fee. 

XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$200.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined ( actually, they declined the following payment on XX/XX/XXXX due a low funds ) XXXX XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX CA XXXX CARD XXXX {$49.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$49.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined. ( actually, they declined the following payment on XX/XX/XXXX due a low funds ) XXXX XX/XX/XXXX BUSINESS TO BUSINESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$30.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$30.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined ( actually, they declined the following payment on XX/XX/XXXX due a low funds ) XXXX XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX CA XXXX CARD XXXX {$19.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$19.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXXXXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$12.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$12.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined.
Consumer complaint received 2023-11-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, CA. During this purchase, I traded in my XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX offered to give me the payoff amount for my trade-in, and we concluded the transaction the same day without issue. On XX/XX/XXXX I was auto-debited for my monthly payment on the XXXX XXXX . After two weeks, Hyundai Motor Finance had not processed the payment from XXXX XXXX, and by extension XXXX XXXX XXXX, to release the lien and transfer the title to XXXX XXXX. At the time, I was not concerned as I knew I would be reimbursed. Two days later on XX/XX/XXXX, Hyundai Motor Finance processed the payoff from XXXX XXXX, and my account was closed by Hyundai Motor Finance. I waited for my refund check from Hyundai Motor Finance. 
After approximately 3 months I called Hyundai Motor Finance and reported I had not received a check. They told me they would issue another check. I waited another month ( XX/XX/XXXX) and called again to report I have not received a check. They said they would issue another check. I wanted another month and called Hyundai Motor Finance again after not receiving a check. This time I was escalated to a supervisor who reported that XXXX XXXX has to request the check as XXXX XXXX overpaid for the vehicle by definition, and that XXXX XXXX has to refund me. I was explicitly told that the Dealer has to call in. I gathered information and communicated with XXXX XXXX. 
I then began communications with XXXX XXXX, Controller for XXXX XXXX, and she has been attempting to assist me. Throughout the entire process, Hyundai Motor Finance has continued to delay, and misdirect XXXX XXXX and still has not made any attempt to refund XXXX XXXX, XXXX XXXX XXXX, or myself. XXXX talked to multiple different reps, including XXXX and XXXX, and got varying responses. XXXX was then told that they could not help her as the customer would have to be the one to call in. This goes against everything I was told. I then attempted a final call in XX/XX/XXXX, at which point I talked to XXXX XXXX He said he would resend the refund check to XXXX XXXX XXXX and would follow up with me in XXXX business days. XXXX XXXX never called me, and XXXX checked with XXXX XXXX XXXX and they never received a check. 
It now has been almost 1 full year, and Hyundai Motor Finance is continuing to engage in deception and fraud as to not return an over payment. All that I ask is that I am refunded the money I am owed by Hyundai Motor Finance, which amounts to around {$560.00}.
Consumer complaint received 2023-11-30
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: AMERICAN EXPRESS COMPANY (MI)

On or around XXXX XX/XX/XXXX I filed complaint XXXX regarding an American Express account ending XXXX in my XXXX credit file XXXX As result, XXXX disputed the payment history. XXXX responded on or around XXXX XX/XX/XXXX claiming AMEX verified the prior payment history was being reported accurately. AMEX has been notified directly of the issue with the prior payment history on multiple occasions, the last of which was in CFPB complaint XXXX. AMEX provided a table of the payment history they are furnishing for the account in their XXXX XX/XX/XXXX response to CFPB complaint XXXX. That table shows payment history and payment status that any reasonable individual would conclude is false/misleading/inaccurate on its face. No account can change from being thirty ( 30 ) days to one-hundred twenty ( 120 ) days past-due over the course of a single billing cycle, ironically the number of days after-which AMEX would then be able to charge-off an account. Moreover, if AMEX alleges the account was charged-off on or around XXXX XX/XX/XXXX, then no reasonable individual would expect AMEX to furnish information claiming a Date of First Delinquency of XX/XX/XXXX, and reoport a charge-off for the first time neraly two ( 2 ) years thereafter in XX/XX/XXXX. By law, AMEX was required to report the status of the account to the CRAs with the correct delinquency information leading to charge-off not more than ninety ( 90 ) days after the change from balance to loss. Yet, that is not what the table of payment history AMEX provided indicates. It shows the status first reported XX/XX/XXXX. Just because AMEX verifies the information it is reporting is accurate doesn't make it accurate, especially if a reasonable individual can clearly examine the information and identify why the information being furnished is inaccurate. AMEX knows or has reasonable cause to believe the information it is furnishing is false/misleading/inaccurate. XXXX has a duty under the FCRA to report accounts with maximum possible accuracy and to remove information, even whole accounts/tradelines that are erroneous. There is no reasonable explanation XXXX can provide that argues false/misleading/inaccurate data is " accurate. '' Now, XXXX claims in the response they provided non-monetary relief, claiming " XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable. '' If that were true, then XXXX would clearly see why the account/tradeline needs to be removed and promptly remove it because the data is false/misleading/inaccurate on its face. XXXX has provided zero ( 0 ) relief as the account/tradeline continues to report the same false/misleading/inaccuarte information.
Consumer complaint received 2024-05-16
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. (MI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-05-16
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 writing to dispute fraudulent accounts that have been inaccurately reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ) ( 15 U.S.C. 1681c-2 ), I request a thorough investigation into the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated nor authorized any transactions with the aforementioned creditors. I believe that these accounts are the result of identity theft or fraudulent activity, and their presence on my credit report is damaging my creditworthiness and financial standing. 

I am requesting that [ Credit Bureau XXXX ] conduct a comprehensive investigation into these accounts in accordance with FCRA guidelines. Specifically, I request that you : Verify the accuracy of the information provided by the creditors. 
Provide me with copies of any documents related to these accounts. 
Remove these fraudulent accounts from my credit report immediately. 

Under the FCRA, I am entitled to receive a written response within 30 days of your receipt of this dispute letter. Please inform me of the results of your investigation and the actions taken to rectify this matter. 

I appreciate your prompt attention to this urgent matter and look forward to a swift resolution. If you require any further information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-06
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. (FL)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX in XXXX, Account name : XXXX XXXX XXXX XXXX in XXXX, Account name : XXXX XXXX XXXX XXXX XXXX in XXXX, Account name : XXXX XXXXXXXX, has violated my rights.

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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, T ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00}
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (SC)

We have been Chase banking customers for about 35 years. We have both checking and savings withthem. We moved from our long-time place of residence in XXXX XXXX , XXXX, to XXXX XXXX in early 2021.We maintained our Chase accounts ( which we handle almost exclusively online ), despite there being no local Chase branches where we live ( the nearest branch office is in XXXX, XXXX  ) . We recently had need of either a cashiers check or money order ( s ) totaling {$2700.00}. Since there is no branch close by, we utilized a XXXX XXXX locally, to get three money orders ( max MO amount is {$1000.00} ). The XXXX XXXX  used my ( XXXX ) debit card to withdraw the money ( which was in our checking account ) in order to purchase the money orders. In addition, a {$6.00} money order fee was withdrawn separately. Chase bank charged us a 3 % " cash advance '' fee on this withdrawal ( about {$83.00} ), which we are disputing. I have communicated both by phone call, and by secure message, with Chase customer service, and been told that this " cash advance '' fee is policy and can not be reversed out. However, per the Chase website : " A cash advance is a loan offered by your credit card issuer. When you take out acash advance, you're borrowing money against your card 's line of credit. You must repay this loan and the amount you transfer can not exceed the current balance available on your credit card. The amount that is transferred is then added to your credit card balance. '' We are maintaining that this was in no way a " cash advance '' on any credit card, the money was in our account, we withdrew it, and Chase did not " loan '' us anything, but Chase has refused to refund the fee.
Consumer complaint received 2024-05-16
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)

I had a very long stay in hospital in XXXX. During which time I have very little memory or not at all of any requests for credit or why. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person.
Consumer complaint received 2024-06-25
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. (FL)

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 
I

DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 
I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 
15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 
15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX XXXX XXXX  ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Consumer complaint received 2024-05-16
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. (PA)

I've consistently made timely payments on this account, ensuring they are never overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX  account XXXX and XXXX XXXX  account XXXX is still showing on my credit report. This account is more than 7 years old. every time I try to call or mail a letter to get it removed all I get is that it has been verified. I have asked for proof this account is not 7 years old and never get a response. I have written several letters and made phone calls with zero assistance. Debt over 7 years old must be removed or they must show proof to validate it can legally still be reported. experian and XXXX  refuse to remove old debt. The next step will be having my attorney file a lawsuit.