davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

15. They have violated US Credit Reporting procedure according to ; U.S.C 1681 Section 602 A. States I have the right to privacy.

15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions. ( None Given.

acconts 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( They are and have.. 

There is a public record on the Report .of XXXX XXXX Ilegally reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A number of accounts with inaccurate dates of age of delinquencies
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (CA)

Contacted Credit card company on XXXX asking to get credit card protection to get started on account, Rep advised that I do not have protection on account requested a copy of application for verification, was denied access of application copy, Rep told me to go online to see asked if I'm able to get access of a scanned copy of online, Rep advised me no, I told rep I'm unemployed and that my unemployment benefits were upheld which is why payment hasn't been made and why I called in for the protection by to get started, Rep advised wasn't able to assist so the call was terminated.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

I have submitted 2 previous complaints regarding the internal block XXXX has on my right to access my right to dispute and view my XXXX credit report on line. This matter has hindered my ability to also have an account timely monitored and disputed. My first complaint was filed on XX/XX/2023 and the company replied. As of todays date, XXXX has not followed thru with any of the steps stated. See attached.
Consumer complaint received 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

US Bank, my mortgage lender, assessed me a late fee of {$75.00} for a " missed payment '' even though my mortgage payment was made and on time. My mortgage payment was a set amount then US Bank raised my escrow amount to be collected monthly by {$57.00} on XXXX of this year ( the 2nd time in a year ). They claim a letter was sent out to me explaining the increase but I never received it. I live in XXXX and am lucky I receive any mail at all. 
I had this very same issue happen twice before over the years with US Bank when they changed my monthly payments to reflect an increase in escrows collected. In those cases it was the same circumstances, my monthly payments were made on time but short of the amount of the new escrows increases. Those increases were less than {$100.00} each time. They did reverse those late fees then but will not now do so now due to " policy '' per XXXX, who claimed to be management in their mortgage department in XXXX XXXX, Missouri. She explained that they sent a letter explaining the increase and wouldn't budge on reversing the late fee. My payment was on time, but did not have the additional {$57.00} added to it. 
They accepted my payments then didn't apply it to my account. They say the payment is incomplete and and as result, none the money sent is applied as a payment. Instead of notifying me by alternate means of the escrow changes and of the increase to monthly payments, they impose fees first and notify you that you owe late fees. No effort to contact their customers that perhaps their customers didn't receive notice, they just impose late fees instead. Obviously if a customer is paying their mortgage payments on time and at a set amount then suddenly aren't making the new adjusted payments, they didn't receive notice of the changes. To add injury to insult, I inadvertently made a double payment and instead of applying those extra funds to the short payment, they took those extra funds and applied them as payment to the principal balance. I made a double payment and am now being charged a late fee, how ridiculous. 
These policies and practices need to be stopped! It's predatory and unfair. I intend to take my future business elsewhere. If cost effective, I intend to get this mortgage taken over by another lender.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Problem # 1 - Since early of XXXX, I started having numerous fraudulant/unathorized charges on my checking account. Of course I would dispute them, the bank would take care of it and reimburse me. At first did not seem to be a big issue. But as ytime went on, I began to realize that this was happening a lot. There came a time where I spent more time waiting on a new card, changing auto bill pay, then actually using the card. I asked about closing this sccount entirely, but was told that was not possible, as there were open disputes ( Which there seemed to always be for over a year ). There were even instances where I would call pertaining to a charge I did not make, they cancelled my card, sent a new one, and the very next month there was again another charge from The same company! This really got me worried when I started receiving multiple letters and notices about my information involved in data leaks. I attempted to talk to a banker regarding this matter, the banker " missed '' two meetings in a row. Almost as if she really wanted to avoid this meeting... I'mstill unsure as to why. I wrote her an email stating my concerns, she wrote back seemingly absolving herself of any wrong doing and tries to pass me on to a different person. At this point I was ready to just leave the bank entirely ; but of course I could not with pending disputes and transactions. 

Problem # 2 - After all this started to happen, I then noticed that my savings accounthad complely disapeared from online banking site, as well as app. I've gotten a few different answers and reasons as to why, i.e. " The app hasnt totally migrated yet, '' etc.. This is VERY unsettleing considering this account started with over {$90000.00} in it earlier that year, and has dwindled to nothing. Bringing me to Problem # 3 - Overdraft fees Overdrafft fees and more Overdraft fees... So many Its hard to count ... .YET, ON ALL MY BANKING STRATEMENTS, THE BEGINNING BALANCE, ENDING BALANCE AND EVEN DAILY BALANCES LISTED ON THE STATEMENT NEVER SHOW OR REFLECT A NEGATIVE BALANCE, ALMOSE AS IF TO MISLEAD SOMEONE CHECKING THEIR BALANCE. This add up to hundreds of dollars ( not to mention the fact I can not get an answer as to why there was no interest paid on that account ), and now this account has ended suddenly, with a single dispute ( mind you Ive counted I beleive at least 13, where they denied this one dispute ( Which happened to be the largest on financialy ) ), only to lead my account so far into the negative I could not recover it. I has now neen " charged off '' They tell me, with " open disputes '' still occurring on it and credits coming back to it as I write this. I really think there are errors that I also have missed at this point, but I'm no banker and I'm exhausted trying to get answers. They will " fix '' my missing account, only to have it disappear again... 
Please Help
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Violation under FCRA 611 ( 1 ) ( A ) and 623 ( b ) ( 2 ) The law established CRA have 30 days, and 15 days extra to investigate, if not CRA must deleted from its files.

Experian was unable to complete, prove accuracy and respond my disputes and reinvestigation after 54 days. Dispute was sent on XX/XX/year>. Today is XX/XX/year>. 
See attached letters and claims # XXXX, and XXXX.
Consumer complaint received 2022-11-24
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. (CA)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 a 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 item of information contained in my file at Equifax is 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. Please fix the account : XXXX XXXX
Consumer complaint received 2023-05-22
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. (IL)

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 2022-11-18
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. (GA)

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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

I just received a bill from Chase Bank showing interest being charged on my XXXX XXXX Credit Card account. Well, it appears that we mistyped an online bill payment three months ago and have been getting charged interest since then, even though the account has been paid in full for the last two ( now three ) months!. In calling for an explanation, it appears that somewhere in their fine print, their contract now says that if you miss even one payment, you will be charged interest for an additional two months beyond the first month you were charged interest as a penalty for missing that one payment regardless if you pay the bill on time, We've had this account for years and always pay our bills on time and have credit scores over XXXX on all three reporting agencies. 
I strongly recommend that anyone with a Chase Credit Card account, especially a credit card account that charges an annual fee of {$95.00}, cancel their account to avoid these excessive charges. We have cancelled our account and will be cancelling another Chase account and will not do business with this company unless the three months of interest are refunded. 
This is horrible customer service.
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

Since the started of the loan I have wire transfer the money to bethpage and I have my banks confirmation. I did receive any email or text msgs from the bank reporting an issue. Now, when I re1uested a pay off they say my car was to repossession and I did know that until now
Consumer complaint received 2022-11-24
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. (CA)

I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 item of information contained in my file at Equifax is 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. Please remove the late payments from this account : XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-01
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. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). These inquiries all unauthorized and is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX these illegal inquiries are reported illegally on my check systems report, Experian report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2023-05-22
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. (MO)

Despite of my previous complain, again, I am submitting this CFPB Complaint to express my extreme dissatisfaction with the inaccuracies contained in my credit report. As I reviewed my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. The following accounts needs to be corrected or removed : XXXX XXXX XXXX Balance Owed : {$350.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX you are reporting inaccurate information on my consumer report. I have disputed the inaccurate names on my consumer report. The correct spelling of my name is XXXX XXXX XXXX. I have provided my Massachusetts state issued driver license as proof of the correct spelling of my name. I demand that you remove or delete ALL other inaccurate names on my customers report immediately.