davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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. (CA)

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (SC)

Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1400.00} Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account : XXXX Past Due : {$1400.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX This is a violation of the FCRA and is also in violation requisite XXXX XXXXCompliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Consumer complaint received 2023-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-12-21
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. (GA)

I sent a letter addressed to the XXXX Credit Bureau requesting to conduct an investigation and correct the information being reported. The XXXX credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$31000.00}
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

This is a follow-up complaint to XXXX which was closed without investigation, only comments from Wells Fargo. With the recent fines levied against Wells Fargo for improper banking practices, I want it noted that I had to take Wells Fargo to small claims court to recover the funds that were not reimbursed from me when I was a victim of ATM fraud in another country. I won the small claims lawsuit and was reimbursed and immediately closed my bank accounts that I held with them for 10 years. They should have protected me during this fraud activity and didn't and refused to reimburse me for the loss. I literally had to resort to suing to get my money back. I want it noted for the record since they have recently been caught for improper and illegal banking practices. My case is another example.
Consumer complaint received 2017-03-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

i applied for a loan mod, was approved for it and because of misinformation, delays and various other reasons manufactured by chase home loans, have been cancelled and now they say i have to resubmit all the paperwork again or lose my home. all this is over a notarized signature that chase claims is either executed incorrectly or nonexistent. I have spoken to numerous individuals and have been given incorrect instructions on what to send, do and now am at my wits end. they refuse to honor the modification. they said i have to start from scratch and will not assure that the terms of my modification will remain the same even though the delays were of their making. I was told that a modification packet was delivered with a time frame and that i did not return it. this is news to me.
Consumer complaint received 2022-12-21
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (PA)

Experian is currently reporting voluntarily dismissed chapter XXXX bankruptcies # XXXX XXXX and XXXX in my credit file. Experian responded to my complaint filed XX/XX/2015 and stated that " The FCRA allows for the length of time information may appear on a consumer 's personal credit report ''. And " The bankruptcy dismissed/withdrawn status will remain on your report for seven years from the filing date. " The is a vague, fabricated statement which is not accurate and complete. There is not any clear language in the statue that states an voluntarily dismissed chapter XXXX bankruptcy should be included in an consumer file.
Consumer complaint received 2022-12-21
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: ALLY FINANCIAL INC. (CA)

I have a loan with ALLY FINANCIAL INC . I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, XXXX, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2018-04-11
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. (DE)

XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has reported a Collection account in the amount of {$1100.00} showing past due as of XX/XX/2018 on my credit report. I disputed this account with the credit bureau and XXXX XXXX XXXX XXXX   refuses to remove it from my credit report. I called XXXX XXXX XXXX XXXX   to advise the debt belongs to my son at the same address however with a different social security number, I offered my my social security number or my son 's social security number for verification and they stated it wouldn't matter because they don't have a social security number on file to verify. My son 's age is XXXX   and my age is XXXX with different social security numbers. I have no other information to give them for verification and really don't think I should have to waste more time on this. This is egregious and I want this debt removed from my credit report immediately.
Consumer complaint received 2022-12-21
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-04
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I sent in a dispute to TransUnion regarding a federal tax lien that was an error. I sent the documents that clearly showed an error had happened and I had to get my congressional representative to force the IRS to correct this. TransUnion did not delete this from my credit record but changed it to a paid tax lien. This is not correct and I want this record deleted from my credit records as the other credit reporting agency has done. ( XXXX ).
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (IL)

Early in XXXX, 2017 US Bank sent a letter stating I contacted US bank to convert my XXXX XXXX card to a new type XXXX XXXX  card. I never contacted us bank to convert my card. In fact I did not have a XXXX XXXX card with us bank. They explained that in fact they converted my US Bank Visa card to a new XXXX XXXX XXXX card with out my permission.
I believe at the least the company committed fraud, lied about me contacting us bank, and issued a XXXX XXXX card without my permission.
I understand from us bank customer service, that they did this to many customers, that had not used the visa card for some time to get them to use a new XXXX XXXX card. This could number into the thousands they frauded I have attached documents to complaint
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023, we ( myself and my wife ) directed Bank of America by US Postal mail to CLOSE our credit card account. Bank of America has failed to do so or acknowledge our request in any way. They are obviously trying to do the reverse of their fraudulently opening accounts for unsuspecting people by failing to close accounts when directed.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I had scheduled a same-day ACH that was to be delivered on the next business day. Chase called me in the morning, apparently needing to verify my identity, and I missed their call. I called back within minutes, and was told that the agent cancelled my ACH and that I needed to re-place it. Luckily it was about XXXX EST or so I was still well within the same-day ACH timeline. I re-placed the ACH and the agent made a note that I already verified my identity with her. XXXX and behold, hours later another agent calls, and I miss the call. They call minutes before Chase 's ACH cutoff. I, again, call back immediately, but am on hold for over 30 minutes. This time, the agent put the transaction on pause, with a delivery date of XX/XX/XXXX ( as expected ). I speak with the agent, they validate my identity a 2nd time, and state that the ACH will go through in the next batch, still hitting on XX/XX/XXXX. The day ends and it never goes through. It is delivered on XX/XX/XXXX without any explanation on the multiple touch points of mismanagement by Chase. This date issue causes multiple issues with payroll and requirements by the bank this ACH was being sent to and is why I made sure, multiple times, that the date was completely correct, spending hours on the phone with Chase over a minor issue.

To add insult to injury, I ask for a manager to look into the issue as no one could tell me what happened. A manager never calls me, yet closes the case that was opened ( XXXX ). No notification whatsoever. I then open a new case and, of course, no manager has called me within the stated timeline despite multiple follow-ups. This is not my case to continuously follow-up on nor should this issue have ever happened to me. New case is XXXX. 

Chase, please refund the fees associated with the late ACH that I did not agree to, explain what happened in the above, and explain why multiple managers have failed to call me when I have raised this more times than I ever should have.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (WA)

Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their email campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$500.00} as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment XXXX contains the email I received from U.S. Bank, which clearly outlines the terms and conditions of the promotion. Attachment XXXX confirms that I opened my new account within the within the XXXX window. 

Moreover, Attachment XXXX displays my U.S. Bank transactions, demonstrating that I direct deposited total over {$10000.00} which met the requirement, all the eligibility criteria stated in the promotional offer. 

Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been over several months since I fulfilled all the requirements, and the bonus has still not been credited to my account, and everytime I contacted them, they would tell me I did meet all the criteria, but I have to wait another XX weeks, or XX months ( each agent had a different time frame ) I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$500.00} XXXX trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation
Consumer complaint received 2024-06-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I am filing this complaint because recently as of XX/XX/XXXX, I disputed the accuracy and completeness of two accounts reported by PORTFOLIO RECOVERY ASSOCIATES LLC a debt collection company and was unable to get the agency to resolve the issues in question. Firstly, I would like to highlight that the company did not conduct a reasonable investigation regarding this issue because they finished the dispute within a matter of 5 days. There was no comprehensive and thorough investigation commenced. It seems to be a rushed process in this case. Secondly, the furnisher did not consider ALL relevant information because I provided them a fresh copy of my consumer report from XXXX with the errors highlighted and circled and they still failed to update the credit reporting agencies with accurate and complete information per FCRA section 1681s-2 ( 2 ) and 1681s-2 ( b ) ( 1 ). The problem is that the data furnisher failed to correct the missing payment history information currently being reported. It is shown in my report that the tradeline was supposedly opened and reported to the CRAs on XXXX XXXX, XXXX, but the notated items on the account did not report until XX/XX/XXXX. That is a 4-month gap of incomplete missing payment history that have not been notated, reported, nor updated with the consumer reporting agencies upon notice of dispute, and the second account was opened and reported on XXXX XXXX, XXXX, and wasn't notated till XX/XX/XXXX which is another 4-month gap. This unresolved information is also misleading and damaging to my credit worthiness and credit score. As it stands currently, the results of my dispute regarding these issues were verified by this company post reinvestigation. According to the FCRA section 1681s-2 ( b ) ( 1 ) furnishers of information are required to promptly delete incomplete and inaccurate account information if it has in fact been found to be inaccurate and incomplete. Lastly, I would like to highlight that this furnisher is in fact a " debt buyer ''. They have violated my federally protected rights per the FCRA and FDCPA. The following sections have been violated based on their failure with compliance : FCRA 1681s-2 ( b ) ( 1 ) and all 5 of its steps, FDCPA 1692e ( 2 ) ( A ), and FDCPA 1692e ( 10 ). In closing, I would like to emphasize per the Fair Credit Reporting Act section 1681 ( a ) ( 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. This company is notorious for deception and abuse to consumers. I have noticed multiple cases available to the public where the debt collection agency was penalized for noncompliance and unfair debt collection practices.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DC)

I have had credit cards with Citibank for many years and Citibank closed my three accounts without warning by email or mail. I requested an explanation from the representative who stated that she could not tell me anything and that I would need to write a letter to Citibank. I have submitted a letter to Citibank, but not received a response.