davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
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 (NJ)

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. 

Please Advise, XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I applied through the XXXX XXXX payment system on their website to have payments split in half every XXXX and XXXX of the month. They have been receiving full payments every XXXX of the month starting XX/XX/XXXX. 

XXXX XXXX  has reported my mortgage payments 30 days late twice, once in XX/XX/XXXX and XX/XX/XXXX. I made both payments on time and presented proof of payments via a XXXX phone call with XXXX XXXX XXXX my personal bank ) and XXXX XXXX, as well as myself. I also provided bank statements to XXXX XXXX  via their secured messaging website showing proof the payments were in fact made on time every XXXX and XXXX of the month through their payment agreement. 

On XX/XX/XXXX XXXX XXXX  responded and told me they will not honor my request to have the derogatory credit reporting retracted. They also state " The contractual obligations are to make full monthly payments on the first of each month. Payments received after the month in which they are due, will be reported to the credit bureaus accordingly. '' Now if this is the case, why do they have payment options on their website to pay in full, the first and fifteenth of the month, or bi-weekly? 

This has hurt my XXXX XXXX tremendously!! I have resulted in legal action, which lead me to the CFPB. I have bank statement proof and a screen shot of their payment options listed in the payment section on their website. I need assistance getting a resolution to this matter.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (FL)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( SANTANDER - XXXX XXXX This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( SANTANDER XXXX XXXX  ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This company raises and lowers account limits and interest rates whenever they want. They over charged me for years. The company has no feature for help on false charges They never answer my inquiries, and charged me way too much in interest. I want a cut in the amount due so I can get out of this account. This is a Capital One account and it looks like they do this type of business for years.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AZ)

I received a denied credit card application from chase cards in XXXX of 2024 that i did not apply for and was denied due to low credit score. i called them to let them know and also placed a fraud alert on my credit report. In XXXX of 2024 received another denied credit card application from chase cards again that i did not apply for and it wasnt denied due to the credit alert it was denied due to low credit score. when i reached out to chase again i asked how they could have processed this without reaching out to me to confirm my identity. they would not answer my question and told me the application wasnt fully processed even though i had recieved confirmation in the mail that it was indeed processed and i had a credit inquiry from them on my credit report. I feel strongly that this application should have never gone through with the active alert on my credit report and i think they should be held accountable for not doing their due diligence
Consumer complaint received 2024-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

Complaint Against Chime Regarding Unjustified Account Closure and XXXX of Funds I am writing to file a formal complaint against Chime for the arbitrary and unjustified closure of my account, which has caused significant financial distress. 

XX/XX/2024 - Account Usage : Direct deposits from my employer, payments for essential services ( XXXX, XXXX, XXXX  ), occasional grocery shopping, and food deliveries ( XXXX ). 

On XX/XX/2024, I discovered that Chime had closed my account without providing any prior notice or a valid reason. This account held my savings, and my paycheck, which was scheduled to be deposited on XX/XX/2024, is also directed to this account. 

When I contacted Chimes customer service, I was informed that the account closure violated some unspecified rule. They referred to the money in my savings as a refund and stated that I was not eligible for a refund. This response is both confusing and unacceptable, as it does not address the fact that they have effectively seized my savings and denied me access to my own funds. 

As someone who lives paycheck to paycheck, this sudden and unexplained action by Chime has put me in a dire financial situation. I have urgent insurance payments and credit card bills due this week, and without access to my funds, I am at risk of incurring additional late fees and penalties, further exacerbating my financial hardship. 

On XX/XX/2024, I called Chime again seeking a detailed explanation for the account closure and the status of my funds. After multiple purposeful disconnects on their side and extensive discussions with their customer service team, I was finally allowed to speak to a XXXX. The XXXX informed me that they couldn't see completely into the account and did not see the money I had in my savings. 

I feel that Chime has acted unethically and irresponsibly by closing my account without any warning or proper justification and by withholding my money. I am requesting the CFPB 's assistance in resolving this issue and ensuring that Chime returns the funds that rightfully belong to me. Additionally, I seek an explanation and assurance that this will not happen again in the future. 

I appreciate your prompt attention to this matter and look forward to a resolution.
Consumer complaint received 2024-05-25
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 2024-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

The last week in XXXX I noticed my checking account and credit card were negative. It was due to fraudulent unauthorized charges from an online company. I reached out to the company only to be locked out of my account. XXXX. I reached out to my bank, Wells Fargo and they have denied every fraud claim I have opened, laughed at me, hung up on me and the branch XXXX just rolled her eyes at me after having been in many times. I have multiple charges of the same amount XXXX times on a same day from different entities of the company and Wells Fargo has still to give me a reason why its denied. I had a XXXX linked to this account and they fixed my fraud claims in under XXXX min. 
I want a valid reason why Wells Fargo thinks they can deny these fraud claims as I received no papwrwork to date.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Auto Finance account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Capital One Auto Finance account ( Account Number : XXXX ). The report lists a balance of {$23000.00}, balance updated on XX/XX/XXXX, original balance of {$40000.00}, paid off XXXX  %, $ XXXX  monthly payment, an account was opened on XX/XX/XXXX, with the last payment date of XX/XX/XXXX, terms XXXX  months, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Consumer complaint received 2024-05-25
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paramount GR Holdings, LLC (FL)

GoodLeap company is charging me solar panels I had installed and I told them I dont want to keep making payments because I got scammed, they arent working and they want me to keep making the payments even the service I had was a scam and the product is not working so I call my bank to stop the transactions, to cancel them and I explained my situation and they cancelled the transactions so they stop charging me and the company GoodLead realized that and they kept charging under someone name and I called my bank and I had to change my account and route number
Consumer complaint received 2024-06-13
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: SUN WEST MORTGAGE COMPANY, INC. (FL)

" 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  - 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 2024-08-01
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (MI)

I went to bar in Arkansas and my American Express card was charged XXXX dollars when I did not authorize these charges. My wallet was taken, and all my cards were used for a lot of charges.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I recently deposited a mobile check for XXXX from a friend at XX/XX/year>. I woke up the next day with my checking account gone and all access to my funds. I tried calling Citibank and they gave me no answers. They just told me they closed the account and gave me no reason to why. Told me to wait 60-90 days for them to mail me a check. I looked into it and had no idea that the check was fake. My friend ghosted me and I was scammed. Now my account is closed and Citi refused to see my side of the story or even try to help me. I been with Citi for 12+ years. This really hurts from a friend and a business that I trust for a long time. I contacted the Executive Response Unit for citi and they gave me the case # XXXX.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TX)

This is my formal complaint to TARGET/TD. I am seeking the correction of inaccurate and fraudulent account in my credit reports to accurately reflect the correct information. I assert that the account in question made on erroneous and unverified. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of inaccurate and fraudulent account in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-06-13
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: CITIBANK, N.A. (FL)

" 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. 
"