davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I have a credit card from Best Buy Citi bank, they had charged me, {$29.00} dollar for late feed, that is too much. and now increase to {$40.00} dollars. I was paying late fee a few months. when I call to ask for the day that I have to pay they was telling me on the XXXX but I realized today that the payment day was on XXXX they were telling me about the day for the end of the period, and also, I was requesting a new card, because me card was expired since XXXX XX/XX/24. But the bank never sends me the new card. Today I was calling them, and they tell me that they will send me the card in 2 days. I didn't receive any letter that inform me about the charges of the late feed and the increased of XXXX dollars. I think is a new regulation made by the president regarding the late feed amount. 
Thank you for the attention to this message.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This Notice of Dispute is to Notify the Consumer Financial Protection Bureau of the illegal and Deceptive Conduct and Practices Experian, XXXX And XXXX are engaged in. Ive sent several Notices certified Mail and they Keep denying my Request without documentation and Proof of My Authorization of The Said Accounts/Tradelines. [ XXXX XXXX, Not Authorized to Furnish Any Information Regarding any Alleged Accounts or Tradelines Under the Gramm-Leach-Bliley Act ( Privacy of Consumer Financial Information ) Viewing section Title V, Subtitle A of the Gramm-Leach-Bliley Act ( GLBA ) 1 governs the treatment of nonpublic personal information about consumers by financial institutions. ] XXXX XXXX is a Financial Corporation Shared Information to an Nonaffiliated Third Party. [ A financial institution must provide notice of its privacy policies and practices, and allow the consumer to opt out of the disclosure of the consumers nonpublic personal in- formation to a nonaffiliated third party if the disclosure is outside of the exceptions in sections 13, 14, or 15 of the regulation. ] They Failed to provide Proper Disclosure of OPTING OUT. Im Expressing Major Concerns with how Experian and XXXX and XXXX Has Handled this Matter. They Failed to Verify With me any Noncompliance and Non-Public Information Sharing to my Consumer Files [ XXXX XXXX XXXX has Furnished Income to the CRAs Which Doesnt Get Furnished due to it being Income I have filed all the Documents To the IRS and Comptroller of Currency Because of the Fraudulent Transaction They are tying to Avoid Taxes. 
This Notice is for the Immediate Deletion of the Above Accounts ( XXXX XXXX Invalid Account ) ( XXXX XXXXXXXX XXXX Invalid Account ) ; ( XXXX XXXX XXXX Invalid account ) I Authorize the Consumer Financial Protection bureau to Delete and Block these Fraudulent Accounts from Experian, XXXX and XXXX immediately. Failure to do will Result in Fines and Penalties under Federal Law. I Also Request All Methods they used/Use to Protect my Privacy. XXXX a Repeat offender Fails to Deliver Methods of Validation as Stated in ( Case : XXXX Document # : 1 ) I feel that my information isnt safe with XXXX. XXXX as well as Stated in ( XXXX XXXX ) See all attachments For Inquiries to be Deleted
Consumer complaint received 2023-04-30
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. (CA)

Upon checking my credit report i noticed inaccurate accounts and information that do not belong to me, i did not consent to any of this information to be reported on my credit, it's affecting my life, please help!
Consumer complaint received 2023-09-11
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. (CT)

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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NJ)

My information was disclosed to a third party without my permissible purpose. 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( XXXX ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

The following accounts are fraudulent this information does not belong to me I demand immediate removal and blocking from all future reporting.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature if you can't provide these items Delete them.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (LA)

Hello, Loan Depot, my mortgage company, has returned 3 of my mortgage payments with no explanation. I have called on four occasions, each with a different outcome and no resolution. First, I had sent it to the wrong account number. I fixed that. Second, sent to the wrong address. I fixed that. Now, after all of that was fixed the payment was rejected and credited to my account again. Customer service rep was going to waive late fees. I spoke with XXXX on XX/XX/XXXX for 49 minutes he stated that no payments were showing received and that he would elevate it to the research team and contact me within 5-7 days. It's now XX/XX/XXXX and I have no comfort that this will be resolved. I sent over a complaint to the CFPB when the issue first came up in XXXX, no answer. Loan Depot 's service was excellent when refinancing and horrible after they've secured my loan. Call wait times are excessive with no response. When they do call back there's no option to speak to a person, just an automessage letting me know that my payment is late. 

This has been going on since XX/XX/XXXX and is wreaking havoc on my finances, not to mention my peace of mind. I've since updated my autopayment date to the XXXX to make sure it's received by the XXXX ( due date. ) What do I have to do to get this resolved? I am attaching copies of correspondence sent in through the portal ( two segments ), excerpts from my phone log and the debits/credit from my account. I can be reached at XXXX. @ XXXX Thank you. 

XXXX XXXX
Consumer complaint received 2023-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC. (TX)

Date : XXXX XXXX XXXX  Re : XXXX XXXX XXXX XXXX XXXX Re XXXX XXXX Complainant : XXXX XXXX XXXX XXXX XXXX Santander / XXXX XXXX  1 . Improper use of my ( Social Security Number XXXX ) 2. Pursuant to Fair Credit Reporting Act -Title 15 U.S.C. 1681 section 602 3. My privacy right 's is being violated. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) 4. Title 15 U.S.C. 1681 Section 604 ( a ), Section 2 Written Instructions Rule Violated. I did Instruct Negative Items To Be Reported 5. Title 15 U.S.C. Section 1666 ( b ) Open End Credit Cards, may not be reported late.
Consumer complaint received 2023-09-11
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (PA)

Approximately XXXX years ago my local XXXX XXXX XXXX changed their sponsored credit card from XXXX XXXX XXXXXXXX to Comenity Bank. Since then I have had constant problems with their credit card website losing information for my account, requiring me to use a secondary website to view my balance, or to report a lost password to regain access to the official account website ( note : I did not lose the password ). 
Last week when I attempted to view my current balance, I was refused access to BOTH the primary account website AND the view my balance website. When I attempted to restore the account, none of my identifying information was accepted ( card number, zip code, last 4 digits of my SSN ). 
I would like to pay any remaining charges and cancel this credit card.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

My account was all of a sudden being charged fees all the time. I was having fees for everything. They said its because I dont keep enough money in there and I told them I have never been able to keep XXXX in there I have bills to pay. They started charging monthly fees a few years ago.
Consumer complaint received 2023-12-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NC)

Sunrise Credit Service has a fraudulent debt collection where someone used my social security # with made up names and phone numbers through XXXX XXXX XXXX XXXXr. Ive contacted XXXXunrise numerous times and they initially told me theyd send me a packet to start resolving this issue. Six months later and dozens of calls back to Sunrise Credit Services, I still have no answers as to how to fix this or no packet of information to fill out and send in. This is a fraudulent debt and I desperately just want help to try and resolve.
Consumer complaint received 2021-01-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Express Recovery Services, Inc. (CA)

A company that goes by the name ERS constantly calls me. The guy on my voicemail is XXXX claiming they are a law firm. They have called my business number multiple times for the past 3 months. They have contacted 2 family members and stated I listed them as references which is a lie. I never do that or have done that. I had to change my number because they constantly keep calling. They never disclose of the original debtor just some random case number. I have no idea who this people are.
Consumer complaint received 2022-11-03
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. (AZ)

Im trying to get a bankruptcy removed from all XXXX credit companies cause its effecting my interest rates etc. equif. And XXXX XXXX removed them but experian has not. this was over 8 yrs ago and its still effects me and want them removed asap!
Consumer complaint received 2023-09-11
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. (PA)

Failure to provide documentation : Requesting Verification of Information and Evidence of Permissible Purpose Pursuant to 15 USC 1681b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-11
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. (TN)

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$8000.00} XXXX ACCOUNT XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance : {$2100.00} These above accounts were opened fraudulently I submitted a complaint with the FTC I'm attaching any documents to support my claim, and I'm asking these above items be DELETED from my credit file, Thanks, XXXX XXXX.
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NC)

I called a Chime Bank to update my phone number to my account. I was scammed and bamboozled by the Representative, the person stole over {$800.00} from my Cheaking and Savings accounts. I did not authorize this transactions and now Chime Bank is refusing to send my money back.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I had a false charge on my account, which I reported last XXXX. 
Chase provided an " explanation '' of their review outside of the 90 days required by the Act. As a result, I had discarded my own paperwork. Chase did not provide ( 1 ) evidence supporting theor reason for denying my claim; ( 2 ) Evidence of my debt; ( 3 ) Evidence that the goods were delivered to me plus a statement to that effect. Chase is not taking this seriously as all these are required by the Fair Credit Act ( 1974 ).
Consumer complaint received 2023-08-21
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: Navient Solutions, LLC. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.2K open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-11
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. (CT)

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.

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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, they have 5 inaccurate late payments reported, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 an 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-06-25
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (MI)

I reviewed my credit report and found First progress card opened on XX/XX/XXXX and XXXX XXXX XXXX XXXX opened on XX/XX/XXXX to be fraudulent accounts. I did not agree to run my credit to open these accounts.