davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I setup auto pay when I got the card, and have had no problems with payment. The other day I went to use the card and it was turned off. I called and they said it was from a late payment. The late payment was for a late payment fee. My payments are scheduled and processed by them, I have no control over an auto payment. If they have internal processing issues and charging customers late fees that is fraud. I called and the lady said that she removed the fee, it is not removed, and it is also making my rates change and cascade, I think this is a scam they are pulling. I tried calling again and waited on hold for over 3 hours before hanging up.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my concern and dissatisfaction regarding the handling of fraudulent items on my credit report, particularly in response to my initial attempt to have them removed. 

I provided detailed documentation and evidence to support my claim of identity theft and fraud. However, despite the seriousness of the issue and the evidence presented, the fraudulent items remain on my credit report. 

This failure to address the issue adequately is unacceptable and has caused significant distress and uncertainty. It is imperative that these fraudulent items are promptly and thoroughly investigated and removed to prevent further harm to my financial well-being and reputation. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX **** XXXX : {$2600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$920.00} XXXX  XXXX Balance : {$380.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$3000.00} XXXX  XXXX Balance : {$920.00} XXXX XXXXXXXX XXXX : {$380.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NM)

I switched with someone else and had coverage at the time due to XXXX having ridiculous prices. I tried cancelling but XXXX refused to work with me I do not owe the XXXX they say I do. If I need to file a law suit I will be getting my attorney.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Formal Complaint Regarding Unfair Practices and Late Payments on Credit Report Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX BANK OF AMERICA Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Dates reporting LATE PAYMENT XX/XX/XXXX., XX/XX/XXXX I am writing to file a formal complaint against Bank of America regarding what I believe to be unfair and questionable practices that have negatively impacted my credit report. 

Recently, I discovered XXXX late payments on my credit report related to a credit card with Bank of America. This situation arose due to the imposition of an annual fee without proper notification, leading to unexpected charges and subsequent late payments. It is important to note that I have a credit card with Bank of America that I rarely use and has never incurred any fees in the past. 

This is the XXXX  time such an incident has occurred, and I find it deeply concerning that Bank of America implemented a yearly fee without providing me with adequate notice. This lack of transparency and failure to inform me of changes to my account resulted in unexpected charges and, subsequently, late payments being reported on my credit history. 

I believe this practice is not only unfair but also raises questions about the ethical standards employed by Bank of America. I am seeking your assistance in holding them accountable for their actions and rectifying the negative impact on my credit report. 

I kindly request that the CFPB investigates this matter thoroughly and takes appropriate action to ensure that consumers are protected from such unjust practices. Your intervention is crucial to maintaining fairness and transparency in the financial industry.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC. (ME)

Unfortunately I had a charge off for a car that was bought in XXXX, the first delinquency happened in XXXX. This account is still impacting my credit even though its been seven years. Ive been numerous disputes to have the information removed, however it continues to remain on my XXXX credit report. The company submits incorrect information like date of first delinquency and doesnt report all of the information so it doesnt appear that its been negatively impacting my credit for as long as it has. Currently they have the first delinquency reporting for XXXX of XXXX so now its till on my bureau. Very unfortunate and unethical business practices.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MA)

Citi/Costco emailed me a promo saying I have charges that were Costco purchases that were eligible for XXXX fee and 0 % int rate. This is for any charges above {$75.00}. However, when I clicked on the link to sign up for this offer they slam a monthly fee which is not supposed to be charged as per their ad. I called their XXXXXXXX XXXX XXXX spoke to a friendly lady who reviewed the offer and said it was for charges made at Costco only and not for purchases made on that card elsewhere. I said I knew that and I was going by what they had specifically advertised and specifically they had highlighted the charges on my bill that were supposedly eligible. However, they are not in actuality... They are clearly misleading. She said she would bubble this up but asked me again to go back and ensure that I was selecting charges that were Costco purchases. I tried it again and it is the same - no change..
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PA)

With reference to the response to complaint # XXXX. 
Not sure where to start, with such an uneducated response, but in an effort to help those involved, I will break down each of the paragraphs to expose the errors and correct. 
Paragraph 1 ) I did not at any time place an inquiry, but I did file a complaint for improper reporting.

Paragraph 2 & 3 ) In reference to accounts ending in XXXX & XXXX, with balances of XXXX & XXXX. You state that their not under review for 1099 - c, that nonsensical no such thing as review, its either over the required {$600.00} or not. Please read IRS Publication 4681. If you do not perform I will be contacting the IRS. 
Paragraph 4 ) You can put what ever you want in your terms and conditions, that's your right, but it does NOT supersede the purview of the FCRA or any other laws pertaining to reporting my non-public information. In fact I can opt any and all non-public information I choose to per the FCRA 15 USC 6802. I may also opt, per the privacy act of 1974, per 5 US Code 552a. To close on this paragraph, although you supplied a privacy notice with which you can report to the bureaus, I have the right to opt out from that notice, that you neglected to provide. To be clear I have opted out.

Paragraph 5 ) I thank you for this paragraph, as it shows your purposeful neglect in performing your duties, you mention your findings, what findings I didn't receive any notarized findings.

Paragraph 6 ) You are under no obligation to report anything, I did not give you permission to report anything to the credit bureaus, and still don't.

Paragraph 7 ) I'm not making a request, to be clear its a demand, for you to perform with a little integrity.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (SC)

XX/XX/2023 I received an alert from XXXX that my credit file had a new inquiry from JPMCB CARD SERVICES. I have not applied for any new credit card and didn't authorize the inquiry.
Consumer complaint received 2023-10-04
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. (TX)

I recently reviwed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (OH)

My name 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 no consent is fraud.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX, I received a telephone call from a representative of Best Buy XXXX, asking if I had made several large purchases, including airline tickets on XXXX and XXXX XXXX. I said " no '' and asked that those charges be cancelled and my account closed. 

The representative assured me that would happen and I did soon receive a new XXXX card in the mail. ( I never lost the original card. It was in my possession the entire time these fraudulent charges were made. ) When I checked my account a couple of weeks later, the charges were still there. I telephoned Best Buy Credit Services and sent an online letter via their website, protesting the charges and asking that they be removed. 

On XX/XX/XXXX, I received a physical letter in the mail ( dated XX/XX/XXXX ), denying my request and " proving '' that I authorized the charges. Photocopies showed someone used a fictional name that was similar to mine, along with my home address and telephone number to purchase airline tickets. Passengers named " XXXX XXXX '' and " XXXX XXXX '' boarded the plane. 

I emailed immediately, pointing to ID theft and asking that the fraudulent charges be removed. I also telephoned Best Buy Credit Services again, making the same request. 

I received an email response saying Best Buy considered the matter resolved. 

I made several more phone calls to Best Buy and to Citbank ( co-brander of the XXXX card ). One person told me to fax a letter and a photocopy of my driver 's license to Best Buy in order to reopen the case. I faxed that letter on XX/XX/XXXX. I have heard nothing since. 

There is only one valid charge on my account : a {$51.00} donation to a food bank. I am happy to pay that once all the fraudulent charges are removed. 

Best Buy Credit Services has been extraordinarily difficult to deal with. I don't understand how someone can make so many large purchases without having the card and security code in hand.
Consumer complaint received 2024-01-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

On XX/XX/2024, I sent Portfolio Recovery Associates LLC a Certified Mail Letter requesting information/VALIDITY of a debt they alleged I ole them, I have yet to receive a response. Therefore ; I proceeded to write them a second, Certified Mail Letter on XX/XX/2024, requesting the information again and have yet to receive any information.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, My name is XXXX XXXX, I am writing to request these items to removed from my credit report. 

XXXX ) Incorrect Employer : XXXX The correct employer should be : XXXX XXXX XXXX XXXX XXXX ) Late Payment from XXXX XXXX XXXX XX/XX/XXXX Account number XXXX XXXX ) I do not recognize these inquiries, I would like to remove them from my credit report XXXX Inquiries These lenders have accessed your credit file : XXXX XXXXXXXX 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 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tally Technologies (IL)

I opened up a line of credit with Tally Technologies and the debt has been canceled. XXXX is the only agency still reporting this debt to my credit report. 

XXXX. According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 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. XXXX is the only agency reporting this account. 

XXXX. I received a copy B of a 1099C showing that the debt has been canceled. 

This is inaccurate reporting and should be removed.
Consumer complaint received 2017-05-16
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. (TX)

THE CREDIT REPORTING AGENCY  XXXX  , TRANS UNION AN D   XXXX    WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF MY CREDIT FILE
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MCMC Auto LTD (AR)

I am not liable for this debt with MIKE CARLSON MOTOR COMPANY and do not have a contract with XXXX  I dont owe anything to this company yet its it still listed on my credit report. I spoke with the lender and they advised it would be removed/deleted from my report. However, it still shows under certain accounts. They did not remove this from credit report like they agreed. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (NJ)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (IN)

Rocket Mortgage failed to apply payment from XXXX account in XXXX- did not notify ( XXXX was available to pay ) called multiple times to fix issue starting in XXXX, was promised that it would be fixed, and now they have charged me for gap coverage due to their issue, and have not returned money even though they were the ones that failed to make payment.
Consumer complaint received 2024-01-27
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: AMERICAN EXPRESS COMPANY (CA)

The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. 
I did not authorize the inquiry from AMEX and I do not recognize this transaction as authorized by me, the consumer which this inquiry is reporting on. Please remove this inquiry from my consumer file. 
Failure to comply with the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, 2024 I discovered online that my checking account was closed by Wells Fargo without me being notified of the planned account closure. I did receive a letter dated XXXX XXXX, 2024 on XXXX XXXX, 2024 notifying me that Wells Fargo had closed my account. I called Wells Fargo to inquire why my checking account was closed and discovered in speaking with their customer support person, XXXX, Wells Fargo, through their incompetence and neglect, had closed my checking account due to, according to XXXX, " the Patriot Act ''. XXXX went on to explain that Wells Fargo did not have the physical address on file for my wife who resides at the same address as I do and is joint owner of the checking account. XXXX admitted at the end of our call that it might be a " broken process at Wells Fargo '' that caused my checking account to be closed. Also, it is worth noting that I had gone to a Wells Fargo branch several weeks earlier in XXXX after receiving a letter from Wells Fargo to ensure that my physical address on the checking account was correct. The Wells Fargo branch manager, XXXX, who reviewed my checking account information repeatedly assured me that my checking account was up to date and that there would be no risk of my checking account being closed by Wells Fargo. After speaking to XXXX at Wells Fargo customer support I immediately went to the Wells Fargo branch and met with XXXX, the branch manager, who had assured me repeatedly that my checking account would not be closed. After reviewing my account and calling her internal contacts at Wells Fargo, she said that she could not do anything to stop the closure of my checking account and that the closure was " not my fault ''. She also stated that this was probably a breakdown of Wells Fargo process that caused my checking account to be closed. My checking account was closed after 25 years at Wells Fargo and never having my account overdrawn. 

I had to immediately set up and fund a new checking account at XXXX  XXXX XXXX to ensure timely payment of my bills. 
So far, Wells Fargo 's incompetence has cost me : {$140.00} for an automobile insurance policy that had to be paid with a credit card instead of the debit of my checking account as planned. 
{$15.00} XXXX XXXX XXXX ( XXXX  ) fee for an expedited ATM card for my new checking account at XXXX. 
I am requesting that Wells Fargo compensate me for any fees I incur associated with the closure of my checking account by Wells Fargo.