davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (SC)

I am writing to clarify a matter regarding a promotional balance fee of {$440.00} that was charged to my account despite my making the payment before the due date. 

I spoke with two representatives on the phone about this issue. The first representative 's system froze up on her, and I was transferred to a second representative. After two minutes of restating my issue and locating my account, the second representative informed me that I would need to call back on XX/XX/XXXX so that the promotional charge could be manually removed from my account. She also stated that she would make a note of my call and that a refund should be applied to my account. 

I would like clarification regarding the promotional balance fee because I worked very hard to avoid having any deferred interest charged to my account. The policy is posted as follows : We will generally apply payments in excess of the Minimum Payment Due to higher APR balances first. However, excess payments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing cycles of the promotional period. And, if the expiration date of a deferred interest promotion is before the payment due date in the billing cycle in which the deferred interest promotion expires, excess payments received before the deferred interest promotion expires are applied to the deferred interest promotional balance first in the last three billing cycles of the promotional period. 


Why then was I charged {$440.00} if my payments were received before the due date?
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

I have disputed this account with Discover for the past several months about inaccurate information they are reporting on my credit report. I have been ignored and never receive a response per FCRA. This damaging inaccurate account is hurting my score.
Consumer complaint received 2024-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc. (LA)

My mortgage company Valon, theres a discrepancy on my escrow. Spoke to the company many times they kept telling me they are working on the problem. The money in my escrow account should be like {$4500.00} now its showing {$1200.00}.
Consumer complaint received 2024-06-06
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: TRUIST FINANCIAL CORPORATION (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and XXXX XXXX  compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRUIST FINANCIAL CORPORATION (OH)

On XX/XX/year> I have saw that XXXX different lender run my credit report and that I didnt authorize them to do it So under the law code 15 U.S.C 1681 I will like them remove off my account
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1999 Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX L - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year> I paid my credit card after using it for the first time after paying it from my own bank account under my name they restricted my account and then refused to unrestrict it after payment cleared saying they need to verify my account they asked me for id social and proof of address and bank statements when I made the account I said I did not have a bank account I just got my bank account and they wanted three statements that I dont have so they told me they cant unrestrict the account unless I provide bank statements none of that is stated in my credit card agreement
Consumer complaint received 2024-06-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I have an Old Navy Credit Card that is under the Barclay Credit Card so the problem is even if I pay my balance for example this month ( on time ) they will still charge me an interest for the next statement. Thinking that I am fully paid I dont have to check my account right? But when I checked I saw that I got the interest charge plus a late payment fee of {$11.00}! Is that right? Also, last month my due date is on the XXXX so I paid that day and Im using my checking account to pay the only balance of {$11.00}. So again I fully paid, but lo and behold I thought Im fully paid again but no I saw this month that I have a balance of {$13.00} which is again interest and late payment fee. This is so wrong in all levels because they are tricking the consumer and making seem that everything is okay until you check. What if I dont check since I know I dont have any balance? Is this a good credit practice to do? Please look into this because I think I am not the only victim here. I reached out to them but they wont back down and lectured me on how to check my account as if I dont know how to check my account. Thank you.
Consumer complaint received 2024-01-30
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: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO)

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/ and XXXX additional letters after in regards to not only this issue but many more that is stated in the attached letter. I have requested proof of these accounts with no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MO)

I was charged {$1700.00} Euros for a {$40.00} euro taxi ride. We were not given a receipt for this transaction. The bogus charges were removed from my account pending investigation. Chase then provided a bogus " receipt '' from the fraudster with a handwritten " I received this service '' with obviously forged initials that did not resemble my name or initials. The fraudulent charges state that we were driven around for XXXX hours in a XXXX XXXX for {$1200.00} euro and then taken to the airport on XX/XX/XXXX for {$300.00} euro. I proved that we were taken to our hotel on XX/XX/XXXX and spent the night in XXXX. We then took an XXXX transport to the airport on XX/XX/XXXX for our flight out on that date. We provided our XXXX receipt for {$44.00} euro and a copy of our airline receipt showing our flight was on XX/XX/XXXX. We did not go to the airport on XX/XX/XXXX and would never pay {$300.00} for a trip that we know cost around {$45.00}. We were not driven around XXXX in a XXXX XXXX we were driven a few miles from the train station to our hotel. 
After furnishing copies of our hotel receipt, XXXX ride to the airport, and copies of our flight on XX/XX/XXXX the charges were removed. 
As soon as we discovered this fraud on our statement in XX/XX/XXXX we reported it to Chase. They suggested we cancel the card to prevent further fraud which we immediately did. We then provided more information to show the charges were not incurred. 
After a few months, we received a letter from Chase on XX/XX/XXXX, stating that they had reviewed the case and " you received a benefit from this transaction. '' The only benefit we received was a XXXX taxi ride from the train station to our hotel. I have talked to Chase repeatedly and they have been very curt in their conversations. The customer service reps have agreed that these charges appear fraudulent, but there is nothing they can do about it.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Hello- As of XX/XX/XXXX I have been dealing with sears warranty to resolve my fridge issue. I have been calling into ( XXXX ) XXXX and there is multiple notes of me calling. I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XXXX. Each time it is escalated to a manager on duty and inform they need 3-5 business days from when I originally called. I have been without this fridge since late XXXX and the agents are not helpful. The agent I spoke with XXXX XXXX had said when I call not all my notes there. On XXXX when I spoke to an Agent named XXXX who Ive spoken to in the past I questioning if my notes on there he got unprofessional and said go XXXX yourself if you dont think Im going my job. I have been unable to get any clarity on issue at hand it is completely unacceptable as Sears has had enough time to resolve my issue.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc (TN)

I am writing this email in order to address a serious concern that has been hovering unnecessarily over my financial standing for quite some time now. I find it incredibly disquieting that I have to do sopointing out the lacking professionalism and due diligence in handling what is most certainly a glaring mistake on your end. 

There seems to be a heinous misunderstanding that an outstanding debt under my name linked to a loan account with XXXX XXXX is mine, where in actuality, such is simply not the case. The constant harassment and communication from your end regarding this erroneous debt is not only a breach of fair practices, but is also flagrantly offensive. 

I implore you to provide me with the necessary documents that unequivocally demonstrate my involvement with opening a loan at XXXX XXXX. The burden of proof rests squarely on your shoulders, as you are the ones who decided to mar my financial health with an unfounded claim. 

It is crucial to your understanding that I am not a resident of XXXX anymorea fact I have proof of through documents validating my relocation a year ago. This makes your claim all the more bewildering, and frankly absurd, to anyone with a modicum of common sense. 

Moreover, the glaring absence of my signature or any form of personal identification on the contract that you supposedly hold against my name, is most certainly a harbinger of your incompetence in handling this matter appropriately. 

I have taken it upon myself to communicate this matter to the Consumer Financial Protection Bureau ( CFPB ). They have been made aware of your egregious handling of my case. The relentless and unjustified harassment I have endured, not to mention the hours spent in trying to rectify this grievous error, warrants this necessary action. Given the gravity of your misconduct, I strongly believe and hope that a sanction from their end would be coming your way. 

I would like to conclude by impressing upon you the dire need to rectify this outrageous situation at the earliest. It needs to be underlined that I am not responsible for the debt that you are wrongfully associating with my name. Any further communication to that effect will henceforth be treated as harassment and appropriate action will be taken. 

I look forward to receiving further communication from you confirming the rectification of this matter
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS CAP ONE AUTO XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from CAPITAL ONE AUTO Inc WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.