davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

This is a more concise update of case numbers XXXX and XXXX after the conclusion of XXXXXXXX XXXX  investigation. 
I have discovered US Bank is the one who took the money out of my account AND they reported my card stolen even though it was not used and is still in my possession. 
On XX/XX/XXXX I made a purchase, I thought it was overcharged so I called the bank to see if I had any recourse, they told me since the card was swiped and it was not unauthorized it was not fraud and I should deal with the merchant, which I did, a week later I got a refund marked " maestro '', which they said was XXXX. On XX/XX/XXXX there was a deduction for my account for the same amount also marked " maestro '' so I assumed that XXXX unfunded the refund. I now discovered that US bank opened a complaint on XX/XX/XXXX even though it was unfounded, and took my refund on XX/XX/XXXX. 
XX/XX/XXXX I filed a Fraud complaint about that missing money which they dismissed on XX/XX/XXXX, refiled it officially on XX/XX/XXXX and reported my card stolen on that date, even though my card was not used. 
They took my money led me to believe somebody else did it and then reported my card stolen which it wasn't. 
Is this not theft by deception and Fraud? 
Now I can't even get them to send me a replacement debit card to the correct address, which is issue of incompetence. 
I am XXXX  and in poor health living in a rural area XXXX miles from the nearest bank and I do n't drive. I'm stranded with no money. Please prosecute them to the fullest extent of the law and expedite the return of my money. 
Thank you XXXX XXXX
Consumer complaint received 2024-05-21
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. (NC)

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. 

I requested Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-07-08
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Im filing a complaint on this company for multiple reasons XXXX. XXXX XXXX XXXX I was in the process of shopping for a new bank account as I pulled my credit I have noticed that XXXX XXXX XXXXXXXX charge Off this account on my credit and I have never received a XXXX form can you please go ahead and send that now. XXXX. To Whom it XXXX concern, While looking at my credit reports I have noticed the following account had a discrepancy in the payment history '' section of the listing XXXX XXXX XXXXXXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXXXXXX XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report
Consumer complaint received 2024-06-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

Hi, Ive been a customer of Ally Bank for over 10 years, and I have several accounts there ( Investment accounts, checking, savings, and several CDs... ) For the past XXXX  months, Ive been denied online login to my accounts. Every time I try to log in on my cell phone application or any computer, it lets me finish all the steps and then gives me a message that login is not available now, call customer service for XXXX help, I called so many times for resolutions and every time I wait forever to speak to someone who can help, and got IT ticket numbers that never reached resolutions, or even a phone back to acknowledge the problem and provide any help Their IT department tried to blame it on my cell phone and my computer security/ internet, preventing me from logging in, but my wife and son can use my cell phone and the same computer to log in to their accounts in Ally Bank successfully On one of the calls, I asked to speak to a supervisor, and I was on hold for over 32 minutes, then I was told that they would call me back, but I never got a callback. 
In one of the emails, they tried to blame it on me for using the wrong username/ password, but I took screenshots and proved them wrong as the error screen appears 3 steps further after I had to enter a valid username and password ..., The ticket number I got was on XXXX XXXX, XXXX  ( Ticket XXXX ), Is this how online banking should be? And is this the service I should get? Please advise. Thanks,
Consumer complaint received 2024-05-21
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. (OH)

Despite my repeated efforts to rectify this issue, including four prior attempts, these fraudulent items remain unresolved and continue to negatively impact my creditworthiness and financial stability. However, despite providing substantial evidence of the fraudulent nature of these items, the agencies have failed to take appropriate action to remove them from my credit file. 

The presence of these fraudulent items has resulted in significant personal and financial distress, including denial of credit opportunities, increased interest rates, and undue stress. It is imperative that the credit reporting agencies comply with their obligations under the FCRA to ensure the accuracy and integrity of my credit report. I respectfully request that you will help me to take immediate action to conduct a thorough investigation into the disputed fraudulent items on my credit file and promptly remove any items found to be fraudulent or unverifiable. Please help me remove these items immediately : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX Balance XXXX {$11000.00} XXXX XXXX  XXXX Balance : {$24000.00} XXXX XX/XX/year>.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (AL)

I subscribed to a hyatt business card under XXXX XXXX XXXX XXXX XXXX with a {$190.00} annual fee having a card number. I cancelled the card today XXXX I was not advised upon opening the account that there was a time limit if you cancelled to request a refund of your annual fee. They indicated that because 41 days had elapsed since account opening there was no refund on the annual fee. That was not explained on any application or to me. Therefore, I am requesting a refund of the annual fee or at least a prorata refund.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

The bankruptcy currently reflected on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no trial or judgment associated with this case. Without a judgment, there can be no valid case. It is imperative that you promptly remove this account from my credit file. The XXXX XXXX  XXXX case number XXXX should be deleted immediately as it is fraudulent. Failure to rectify this situation and continue reporting inaccurate information will compel me to pursue legal action. I have consulted with my attorney, and if the matter is not resolved within 30 days of this letter, legal action will be initiated.
Consumer complaint received 2024-06-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MI)

I started college in XXXX and was a XXXX XXXX XXXX. Unaware of how student loans really worked, I took them out through the government but still needed some help which is when I was told to look into Sallie Mae. My mother and my father both co-signed for me on different loans. Fastforward to XXXX I could not find a job in my field, so I decided to go back to school for XXXX and again, needed help paying. I took out more Sallie Mae loans to help with this cost since that is the only place I knew. I got in-school deferment for some loans during this time. When I graduated XXXX XXXX  I needed to start paying for my loans. I decided I would go get a XXXX XXXX XXXX as I still could not afford all of my loans and figured I could do in-school deferment again and then potentially make more money after I graduated to help pay for this. XXXX then happened and finding work was difficult. I tried to talk with Sallie Mae several hundred times to come up with a solution as to a payment that I could afford but they would not work with me. They wanted almost {$1000.00} a month! I told them they amount I could pay, and they told me that it was not good enough and that even if I put some money down it would not matter, and they would still report me and my co-signers to the credit companies. The last time I talked with Sallie Mae they had my mother and my father listed as the borrowers and me as the co-signer when they actually co-signed for me on separate loans. 
I received hundreds of phone calls from Sallie Mae as did my parents and even my grandmother and my uncle. People who have no idea about my loans nor should they. This company has threatened me and caused me so much XXXX XXXX XXXX  I have a strained relationship with my parents now because their credit scores are getting ruined by this debt. They even went as far as to call the local sheriff department on me which scared my family as well as myself. 
This company is predatory! I want to pay these loans off, but the interest rates are so high that even if I make the minimum payment the interest raises the amount of the loan. I borrowed around {$30000.00} from them and they now want almost {$70000.00}. The loans are now in the charge off process because they would not work with me for a resolution on how to make this loan affordable for me so they could get their money and my parents ' credit would not be ruined. I feel like this is taking over my life and I need help.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/XXXX, Equifax send me an incorrect report that they REFUSE to correct. Confirmation # XXXX. 
1. I DO NOT want my social security and/or my date of birth to appear on my report ever!!! 
2. Remove all old addresses except my current : XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX. 
3. Update my payments for XXXX XXXX XX/XX/XXXX and XXXX XXXX on report and with all credit bureaus. 
4. REMOVE XXXX XXXX It says credit bureau dispute. I never authorized this dispute on XX/XX/2019. REMOVE AT ONCE!! Lacing my credit report with false entries is illegal-Federal law FCRA. 
5. Remove all old inquiries. 
6. Cease trashing my credit report. 
7. Remove my Equifax inquiries. Equifax causes these inquiries for their incompetence. This is illegal too. Cease!! 
8. Send me an updated credit report today.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

BofA closed my account on XX/XX/ I wasnt able to get my funds out of the account. I have claims that shouldve been paid due to fraud in my account. The claims are still in review, that has nothing to do with the funds in the account presently. This bank has caused me to be in default with my bills. I need my money immediately.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (PA)

On multiple occasions, I have given more than enough money to discover card and yet every time I log back in theres something different happening with the credit card. Has been closed for a good year now, however fees on top of fees. I just managed to pay it off for {$1.00}. Then payments were returned to me, I have verification of the balance on my bank account and unsure why the balance keeps coming back. Instead of having post payment for the card ; I am willing to make a complaint with the law regarding the obscure activity the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

I am writing to bring to your attention certain violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Right to Privacy : As outlined under 15 USC 1681, Section 602 of the FCRA, I have a fundamental right to privacy. I believe this right has been infringed upon.

Furnishing of Information : According to 15 USC 1681, Section 604 A, Section 2, a consumer reporting agency is prohibited from furnishing information about my account without my explicit written instructions.

Late Payment on Credit Card Account : Under 15 USC 1666 B, creditors are not permitted to consider a payment on a credit card account under an open-end consumer credit plan as late for any reason. 

Given these apparent violations, I kindly request an investigation into the matter to ensure my rights are protected and any necessary remedial actions are taken.
Consumer complaint received 2024-05-21
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-21
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. (FL)

violation of the federal reserve act section 16 1 and 2 Equitable Relief.

Section 21 ( d ) ( 5 ) of the Exchange Act of 1934.

In any action or proceeding brought or instituted by the Commission under any provision of the securities laws, the Commission may seek, and any Federal court may grant, any equitable relief that may be appropriate or necessary for the benefit of investors ( i ) First tier. The amount of the penalty shall be determined by the court in light of the facts and circumstances. For each violation, the amount of the penalty shall not exceed the greater of ( I ) {$5000.00} for a natural person or {$50000.00} for any other person, or ( II ) the gross amount of pecuniary gain to such defendant as a result of the violation.

( ii ) Second tier. Notwithstanding clause ( i ), the amount of penalty for each such violation shall not exceed the greater of ( I ) {$50000.00} for a natural person or {$250000.00} for any other person
Consumer complaint received 2024-05-21
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. (CA)

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX  : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-21
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)

I don't know how many letters I have sent your bureau regarding my identity theft, but my concerns remain unresolved. Here I am again, disputing the fraudulent information damaging my file and expecting your immediate action this time. 
Despite sending the required FTC complaint, your bureau is still reporting these fraudulent accounts on my credit report. I have contacted the banks associated with these accounts, submitted the necessary documents, and they have immediately deleted the accounts from their records. 

Additionally, other credit bureaus have already removed these accounts after receiving the FTC complaint. I am curious about the verification method your bureau used to continue reporting these fraudulent accounts. 
The following fraudulent accounts have been listed on my credit profile : XX/XX/XXXX
Consumer complaint received 2020-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY is reporting on my XXXX report a fraudulent debt. 
This debt was a result of identity theft and was originally removed from all 3 credit agency. 

This account by XXXX XXXX XXXXi is fraud and needs to be removed.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I had bad credit so i decided to get something that would help me fix it, i decided to go with XXXX XXXX because they advertised that they would accept and fix low credit. Latey i have been checking my credit to ensure im getting it back on track only to find out XXXX does not report to any credit bureaus. They give out a {$2000.00} loan and i make all the payments but it is not helping my credit score at all because they are not reporting. Isnt this illegal? I brought up the questions and concerns to the XXXX team but they continue to say they have never reported even though my confirmation emails say in fine print that they regularly report to equifax. Something with the XXXX XXXX is fishy it has to be a scamming company.