davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (AZ)

Opened TARGET  credit card XX/XX/XXXX - XX/XX/XXXX = made payments as agreed, no late fees XXXX XXXX payment due date was XX/XX/XXXX made payment of XXXX $ late fee access the same date for XXXX $ XX/XX/XXXX payment due date was XX/XX/XXXX made payment of XXXX $ late fee access the same date for XXXX $ XX/XX/XXXX payment due date was XX/XX/XXXX made payment of XXXX $ late fee access the same date for XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX payment XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX payment XXXX $ ENTERED PAYMENT PLAN XX/XX/XXXX payment XXXX $ XXXX late fee XXXX XX/XX/XXXX payment XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX payment XXXX $ XX/XX/XXXX late fee XXXX $ I realized that I was being charged a late fee even being on their payment plan, I called and they said that I still accrue late fee even on the payment plan even though paying XXXX $ Late fees have fluctuated since that dates as follows and I have not made a payment as I have been unemployed since XX/XX/XXXX XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ Balance claim is = {$780.00} my credit line was XXXX $ -- the total in late fees since XX/XX/XXXX is XXXX $ alone this does not include the interest that has accumulated I tried to contact them and I can not get through to a representative I made three XXXX $ payments that would of had the account nearly paid off, was never told that my account was considered late every month regardless if I was making attempt with the hardship payment plan
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH
AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-13
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. (PA)

I am writing to dispute the accuracy of information on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I am requesting an investigation into the following item ( s ) listed on my credit report : XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account number : XXXX and XXXX XXXX Account Number : XXXX, I am requesting that Experian conduct a thorough investigation into these discrepancies and provide me with the results. According to the FCRA, you are required to investigate disputed items within 30 days of receiving a consumer dispute.Please provide me with information on the actions taken, including any corrections made to my credit report as a result of your investigation. Additionally, please send me a copy of my updated credit report once the investigation is complete.Thank you for your attention to this matter. I look forward to receiving a prompt response.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

i sent letters on XXXX to the cra disputing the inaccurate and incomplete accounts they are reporting on my credit report. Per 15 USC 1681eb, IT STATES THAT ALL CONSUMERS INFORMATION HAS TO BE 100 % ACCURATE AND COMPLETE BEFORE REPORTING. THE FOLLOWING ACCOUNTS ARE INACCURATE : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED A COPY OF EACH BELOW FOR YOUR REFERENCE
Consumer complaint received 2023-04-12
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

In accordance with the fair credit reporting act XXXX, XXXX, and Capital One have violated my rights. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX ( acct ending XXXX ), XXXX  ( Account # XXXX ), Capital One< have reported as having a late payment my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX  COMPLIANCE regulations, I demand that these mentioned derogatory items be investigated and permanently removed from my report. 


I'm asking you to investigate these errors and remove any information that can not be verified.
Consumer complaint received 2023-04-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (FL)

After pulling my credit report I notice that there is a car loan on my report for {$37000.00} creditor Regional Acceptance. I no longer have this vehicle, nor tag etc. This account was closed as stated on my XXXX report as of XX/XX/2021. This is hindering me from getting another loan due to the large amount says owed. This is the only bureau in which this loan appears on and I am requesting it be removed immediately.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (OH)

On XX/XX/2024 at/ around XXXX central time zone I receiving a call from my bank notifying me of fraudulent activity on my account. They assured me it would be okay and that it would it would be taking care of. It was three adjustments in my account totaling {$900.00}. They also told me about hard resetting my account in which they reset my password. I was on the phone with them approximately 20-30 minutes and after the phone call was over. I tried to log back in to my online banking which I could not do so. I immediately contacted Navy federal again which I was on hold for an hour and unable to speak with anyone. The following day, XX/XX/2024 i went to the branch closest to me and notified them of the situation which seemed odd to me. They informed me they would looking into it & I should close my current accounts & reopen them. I did that on XX/XX/2024 and finalized the fraudulent activities on my account. I contacted Navy Federal XX/XX/XXXX regarding the issue and I was told it was my fault because I answered the phone call and that Navy federal would never contact me although that is not true because I had possible fraudulent activity previous to this and not only did navy federal texted me they also called me. The following day I went back to the branch closest to me to speak with someone in person about this issue. Not only did they not help me understand they were very condescending and told me I would have to transfer the funds to cover the {$900.00} overdraft due to the fraudulent activity. They also notified me that this has been happening and that they notified us regarding the issue in which I was not notified. They told me about a process in which I could file an appeal but it would take 20-30 business days & I couldnt go through the branch. I would have to email a department within Navy federal a form that is not available online. I would have to physically fill it out then scan it and email it in.
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: REGIONS FINANCIAL CORPORATION (FL)

My friend send me {$2000.00} through XXXX on XX/XX/2022. I have a account in Regions Bank.And I didnt received it. I went to my bank and told them the situation and after multiple follow up. They didnt solve my problem. Every 2 weeks a spend hours to talked to them and follow up the case but actually its more than 8 months and they didnt helped me. I provided them the confirmation and claim letter from my friends account and bank said that the money is transferred to my account. But I didnt received it.
Consumer complaint received 2024-05-12
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. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they definitely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-13
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-01
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. (PA)

I discovered incorrect accounts on my credit report tonight and I'm puzzled as to why they're there. I reviewed my credit report as usual, but this time there were unexpected discrepancies. I refreshed my browser to see if it was a glitch, but the errors remained. Due to this problem, I request a thorough review of the documents I've sent so I can be assured this issue won't happen again.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I was ran a hard inquiry on a credit card application when I asked for a reconsideration. The Chase customer service informed me that reconsiderations require a new credit inquiry. I was later informed that a reconsideration does not require a new credit inquiry. I informed the customer service representative of the misinformation and they informed me that they can not do anything about it since the credit was ran. The customer service was poor and was reluctant to work with me. Such misinformation and improper hard inquiry pulls are not right and should be taken seriously by regulators for big banks.
Consumer complaint received 2024-05-12
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)

these hard inquiries are fraudulent and does not belong to me and need to be removed .Also XXXX  as well.Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-12
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. (NV)

According to FCRA Section 605B It is illegal to report information on my credit report without my permission. Thank you. Please remove this from my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX and XXXX are reporting very different things on my credit report about account XXXX. I have tried in the past to have this corrected and all I get is invoices in the mail from accounts from an address I never lived at. 
I want this account removed from my credit report for inaccurate information, inconsistent information, and unverified information. As you can see, everyone is reporting something different about the same account. All have different open dates, the balance is different on all of them, the report dates are different on all of them, the active dates are different on all of them, and they all show different payment history. How can everyone be reporting something different about the same verified account? They can all be wrong, but they can't all be right!
Consumer complaint received 2017-07-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XXXX XXXX 2013 XXXX XXXX signed a Declaration of Mortgage Servicer Pursuant to Civil Code 2923.55 ( c ) The mortgage servicer has contacted the borrower pursuant to California Civil Code 2923.55 ( b ) ( 2 ) to " assess the borrowers financial situation and explore options for the borrower to avoid foreclosure '' Thirty days, or more, have passed since the initial contact was made. THIS IS A DELIBERATE LIE ON BEHALF OF XXXX XXXX XXXX XXXX  committed Perjury by false affidavit. Criminal law 2641 and should be charged accordingly.
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My HOBR were violated and then ignored. This act was deliberate and contiguous to the methodical deceptive and unjust behavior. I never received a NOD nor was one posted on my property. I never even knew that it was filed until I learned about the auction date that was set.
Consumer complaint received 2024-05-13
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. (NC)

Per dispute results report # XXXX for XXXX XXXX- The following accounts, XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX, were updated but not removed from my consumer credit report per my request. I have requested multiple times, since XX/XX/year>, for specific documentation, such as the original application and contract agreement with my wet signature showing that I physically signed and authorized these accounts, as well as other necessary certified forms of documentation to validate the debt, and they failed to provide the requested information concerning this debt as certified proof to validate the " verified as accurate updated status '' of these disputed accounts. As a consumer, it is my right by law to request and be provided with, in a specific window of time, specific documents to ensure that all reporting is indeed 100 % accurate. If all requested documents can not be provided by the reporting agency/creditor for the accuracy of the accounts to be proved, then by law it must be removed. As the affected consumer, I am distressed that you failed to maintain reasonable procedures to assure 100 % validity completeness, accuracy and correctness in the credit reports that you provide to creditors. As the affected consumer, I am distressed that you failed to provide me with the specific documentation I've requested in the time frame allowed by the consumer laws. As the affected consumer, I have suffered damages in the form of invasion of privacy, reputational damage, emotional and physical damage and economic harm. This unverified information is damaging me since it is affecting the interest rates that I am able to get and limits my credit capacity and overall quality of life.
Consumer complaint received 2024-08-01
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (DE)

XX/XX/XXXX, XXXX, AND XX/XX/XXXX Are dates which i have requested to have the inaccuries removed from my credit report whichstill remains.I have proviced supporting documents such as a clear copy of my Driver 's license and Social security card and proof of residence along with a FTC report stating that there are items on my credit report as a result of Identity theft.I was told that there were several variations of Social security numbers merged with my credit files. I was told that the account had to undergo maintenance in order to get this issue resolved. there is a variety of inaccuries with my personal information such as Names, SS Numbers, addresses and accounts which i have stated on a numerous of occasions and the credit bureau is refusing to update my account. I have followed all suggested actions and reached out to the creditors trying to get this resolved. I am in the home buying process and these fraudulent items are still listed associated with my credit files. there are accounts on my credit files which has been listed for over 7 years that needs to be removed immediately. 
i have sent certified notices to the creditors affirming that i am a victim of identity theft. 
XXXX is refusing to let me access my file, they said this decision is indefinitely.