davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (TX)

I initiated a wire transfer in late XX/XX/XXXX to ensure I had adequate balance to cover the upcoming rent. However, much to my chagrin, I find that everything that posted over the long holiday weekend was processed to my account on Tuesday, XX/XX/XXXX, with no logic on order of processing other than bank whimsy. I was hit with multiple {$38.00} NSF fees ( six at last count ), including two for charges which were under {$7.00} each, and for which I had a positive balance at the time of the transaction! Rather than processing the incoming wire in queue first ( which was initiated days before the transactions in question ), the bank processed every other debit to ensure they maximized their NSF " gains. '' I have been a customer for 21 years, and this is untenable. They have offered to reverse two of the fees, but I will not accept less than all of the fees being overturned. This is hugely unfair, and really lets me know what this bank thinks of its clients. Same as all banks, I guess ... .we 're all cash cows ...
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the item being disputed : XXXX which is a XXXX Loan which has never been past due but yet has been reported past due and impacted my credit score.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XXXX XXXX, 2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. These are the unverified accounts : XXXX XXXX XXXX XXXX Balance Owed : {$25.00} ; XXXXXXXX XXXX Balance Owed : {$74000.00}.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

An unknown individual attempted to open a chase credit card in my name. I received a notice through chase journey and credit karma in regards to a hard inquiry on my credit, which wasn't me. I contacted chase to deny the application and they did.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have been using FIFTH THIRD BANKS online banking application to pay the majority of my bills. I schedule recurring payments months, maybe even the whole year at a time. Because my retirement check is automatically deposited on the first day of the month, I generally automatically schedule my recurring payments for the XXXX of the month. My recent XXXX recurring payments were automatically scheduled for the XXXX months ahead of time. 

What I was unaware of is that the XX/XX/XXXX fell on XXXX XXXX. What I was MOST unaware of is that the bank would program their computers to automatically CHANGE the payment day of my XX/XX/XXXX payments BACK THREE DAYS TO XX/XX/XXXX and cause my XX/XX/XXXX payments to bounce and cost me {$140.00} in overdraft fees! 

I was given no notice nor was I asked permission to change my payment date. The bank could just as easily have programmed their computers to move the payment date AHEAD to the next business day after I had scheduled my payment, XX/XX/XXXX. But it chose not to in a perfect example of uncaring greed. 

Of course I called a Bank Service Representative and then talked to a Supervisor certain they would reverse the overdraft fees. They agreed to refund only half the fees, {$74.00}, citing the banks arbitrary policy of refunding only {$74.00} per year in fees, even if the fees are clearly wrong and unjustified. I might add the the banks Supervisor, who name begins with a V and ends in an A, was rude and uncaring. Whats the purpose of talking to a live person if theyre going to robotically cite arbitrary policy? And why wouldnt the local bank manager have the power to evaluate each individual situation for its merits? 

For us, good, solid bank customers, here is our reality : I am terminally ill and bedridden, unable to even leave the house to meet with a new banker. Hopefully, we can find one to visit us at our house. 

In addition, Fifth Third has stolen {$74.00} from me, money I need for my medical costs and prescriptions.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX and XXXX XXXX XXXX  Please delete ASAP.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I contacted chase Bank and let them know I had unauthorized charges on my bank statement from XXXX XXXX. On XX/XX/2023 I was told that my claim got denied because they don't refund for third party apps. I have tried going through XXXX XXXX to file a claim and no luck. I have filed police reports and have been doing nothing but trying to get my money back from these unauthorized charges.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (IL)

XXXX, XXXX and XXXX are falsely reporting a collection on my credit report from XXXX XXXX XXXX. XXXX XXXX. services don't have a license to collect in illinois which is illegal to reach out to me and illegal to contact me and illegal to attempt to collect from me. XXXX XXXX XXXX, XXXX, and XXXX need to. be sued and shut down by attorney genreral.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have requested 4 times Transunion reveal the method of verification on an erroneous XXXX XXXX XXXX  they've been reporting on my credit profile for nearly 4 years. They never reveled the method of verification only updated it as valid. The last three requests have been ignored altogether without a response.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Per 15 U.S.C 1681e 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 relates12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity .B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Consumer complaint received 2018-09-05
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. (AL)

I have been disputing this debt on my credit report because XXXX XXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX, which I have submitted court documents and pictures, have reported the incorrect information to the Credit Bureaus. Under the FCRA, it states that if any of the consumer 's information in not 100 % accurate, then by law the credit bureaus are under obligation to investigate it and remove that item ( s ) from that consumer credit file. I have disputed this for over 3 years, with no success. I have submitted documentation to the credit bureaus from the creditors stating my position and they still will not remove these items from my credit file. On XX/XX/2018, I sent in documentation, then again on XX/XX/2018. I have just recently sent more documentation in around XX/XX/2018. The only results I am getting is the items are being updated on my credit file. I have received correspondence from the creditors saying that they have no identifiable information in their system on me. I have even called the creditors and was not able to speak anyone and I also left messages, but received no return calls.
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (AL)

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2018-09-05
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: EQUIFAX, INC. (PA)

There is a business credit card with XXXX ( it was a XXXX, then XXXX converted it to a XXXX despite the company 's objections ). Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Dear Sir/Madam, I am writing to dispute the presence of old addresses on my credit report. I have recently obtained a copy of my credit report and have noticed that several outdated addresses are listed. 

I am concerned that these outdated addresses could be negatively affecting my credit score and could potentially be used for fraudulent purposes. I have not lived at these addresses for several years and request that they be removed from my credit report immediately. 

I understand that the presence of outdated addresses on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) and could result in inaccurate reporting. I request that you investigate this matter and remove all outdated addresses from my credit report. 

Please provide me with written confirmation of the removal of these outdated addresses from my credit report. I appreciate your attention to this matter and look forward to hearing from you soon. 
XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX ll
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I chose the Capital One Savor card to get 4 % back on tickets and food/dining as these are my main expenses. I have used the card for years to buy tickets and spend on restaurants as advertised. I received mail and email that said my account is closed because it is inconsistent with typical consumer usage. I tried to call and fight, and they said wait 10 days for the letter in the mail. The letter is non-descript and just says " inconsistent with typical usage ''.
Consumer complaint received 2023-09-21
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. (CA)

There are multiple accounts that I didn't authorize or give consent to be opened in the first place. There are five different names,12 phone numbers, 6 addresses that are not mine. Anything that is not under my name, I want deleted immediately off my credit report. I need proof from all companies with misinformation, of my signature, & COLORED copy of my ID at the time as well. I have filed a FTC. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( m281 sw 715, 719 )
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-03-21
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. (AZ)

Per the FCRA as a federally protected Consumer you are in violation of the 1974 Privacy ACT, Furthermore I am opting out of any and all Authorization I the consumer may have given you, written, non written, verbal and nonverbal per 15 UNITED STATES CODE 6802.

Please Remove all negative items on my credit report. You do not have permissible purpose per 15 UNITED STATES CODE 1681b.
Consumer complaint received 2023-10-26
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. (OH)

XXXX XXXX account number XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.