davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (NJ)

I have an excellent credit record. Usually, I schedule my credit cards payment ahead of time on the computer, to be paid on the due date. Back in XXXX, I schedule the payment of {$4500.00} to be paid on XX/XX/. On XX/XX/ I checked my bank account and found that the money was not withdrawn. This credit card bank has a problem with their website. I had a similar problem with them in XXXX last year. They recognized the problem, and I was credited with the late fees and interest. This time I called the bank again and explain the same problem. I paid over the phone immediately. The representative acknowledged the problem and told me to call after I will get a statement and they will remove the late charges and interest fees. 
I was upset with this situation and canceled this credit card. I have quite a few of them and never had any problems with the websites of other banks. 
On XX/XX/ I got the statement with {$39.00} late fees and {$73.00} interest fees, I called the bank and they refused to correct those fees based on " it was done ones in XXXX. '' If their website is not working properly why the customer must pay for it??? This is ridiculous!
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2021-01-15
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: CREDIT ACCEPTANCE CORPORATION (AL)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

Received unreasonable fine from bank for overdraft of checking account This was unfair and was sued three times on the same day. I talked to the bank many times, but they refused to cancel. I think such charges are unfair and illegal. This means that consumer exploitation is very angry,
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. 

The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX file # XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report
Consumer complaint received 2021-01-15
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: AMERICAN EXPRESS COMPANY (CO)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XX/XX/ 2020 and XXXX XXXX, 2020, AMEX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-15
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: TD BANK US HOLDING COMPANY (CO)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, NORDSTROM/TD BANK USA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XX/XX/2020 and XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (MO)

I am writing to express my dissatisfaction and frustration regarding the rapid removal of a charge-off account from my credit report, despite multiple attempts to resolve the matter. 

I discovered an erroneous charge-off account listed on my credit report. Immediately upon noticing this discrepancy, I took the necessary steps to rectify the situation. I promptly contacted both the creditor and the credit reporting agencies to dispute the charge-off and provide evidence supporting my claim. 

This hasty removal has had significant negative implications for my creditworthiness and financial standing. It is imperative that such matters are handled with the utmost care and thoroughness to ensure fair and accurate reporting. 

I kindly request a thorough review of my case and a reinstatement of the charge-off account pending proper validation. With this, I am asking for your assistance to remove this account in my credit file : XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2023-02-06
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. (FL)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction.

The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (KY)

I have had SEVERAL problems with Netspend. I close accounts. They never close them or refuse to send me a letter showing accounts were closed. I have had SEVERAL A HINDREDS of dollars in disputes. I have yet to get any credit returned. I am told so ething different every time I call. I am argued with lied to hung up on placed on hold for 3 hours sometimes. I am furious!!!
Consumer complaint received 2023-01-24
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Synovus Bank (TN)

In or around XX/XX/XXXX, we opened a free checking account with Synovus in conjunction with a HELOC. The checking account was a " Free Checking '' with no balance requirements or fees. Starting in late XXXX, Synovus failed to send regularly periodic account statements. Beginning in XX/XX/XXXX, Synovus began charging a dormant account fee. Synovus ( 1 ) did not adequate disclose the account fee, ( 2 ) did not provide proper notice that it would charge a dormant account fee, and ( 3 ) did not provide regularly periodic statements that showed it was charging a dormant account fee so that we could timely resolve the alleged dormancy. We do not have recordings showing that the dormant account fee was a term we accepted when we opened the account. Upon information and belief, this was a unilateral term that Synovus later imposed without providing sufficient notice and disclosure. Ultimately, Synovus depleted all remaining funds in the account. 

In XX/XX/XXXX, we went to Synovus to close the account. We were told about the dormant account fees and that there were no funds to resolve. The bank would not resolve the issue with us. We closed the account. 

On XX/XX/XXXX, Synovus sent us an account statement showing the dormant account fees. The statement explicitly states that the last statement Synovus sent was XX/XX/XXXX.
Consumer complaint received 2023-01-24
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. (NC)

My name is XXXX 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.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (IL)

On XX/XX/XXXX my husband was a victim of fraud. {$48000.00} was taken from our US Bank account via a wire transfer. I immediately contacted US Bank and was told that the wire was pending. I pleaded with them to cancel the transaction, nope I found out that the funds were released and I might add this was done within 4 hours. Which leads me to believe this was an inside job. I contacted XXXX XXXX via phone and email which he did call me back and told me it was out of his hands, seriously ... He proceeded to transfer me to US Banks fraud department and spoke to XXXX XXXX, his words to me ; i should contact XXXX 's police and find out what happened. On XX/XX/XXXX I filed and FBI and Police Report. On XX/XX/XXXX I received a call from a District Manager, XXXX XXXX telling me that the US Bank is taking action, seriously 1 week later. I was also told to stay out of the XXXX XXXX XXXX, XXXX XXXX, IL. because I made a scene. I will make a scene when it comes to {$48000.00}. On XX/XX/XXXX i wrote to the US Bank 's CEA Mr XXXX XXXX. I got a responds from XXXX XXXX Executive Communications and basically was told I'm out of luck. On XX/XX/XXXX I filed a complaint with the Illinois Attorney General 's office, have not heard back from them. On XX/XX/XXXX I submitted a complaint to the fraund.ftc.gov
Consumer complaint received 2021-01-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Credit Acceptance Corporation is fraudulently resurfacing debt on my credit reports that showed as charged off for years as a now open account with late payments to purposefully lower consumer credit report and to fraudulently re-age the debt. This is obvious because the payment amount is showing as XXXX  but it continually reports as late every month.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (NC)

I have heard that Wells Fargo is being sued for not doing right by customers from XXXX. My wife and I had a vehicle loan through Wells Fargo for a XXXX XXXX and it was almost repossessed and we also had XXXX insurance through them. We also recieved letters a few years ago and a payment for them doing us wrong and charging to much etc. I am curious if we should be part of this current settlement due to them overcharging and whatever else they did wrong by us. I feel like we should since we had the loan with them after XXXX and before XXXX and was already made aware of of account being wronged by them a few years ago. If we should be part of this settlement I would like to be made aware asap and get what is owed to us for them doing us wrong and almost causing our car to be repossessed and our XXXX insurance. Please contact me at XXXX. My name is XXXX XXXX and the account was in my name. I live in XXXX XXXX, XXXX  XXXX.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

Citicards account ending XXXX originall later changed to XXXX is providing inaccurate information on my credit reports that I was 150 days late with making a payment. That information is wrong. I mailed and paid XXXX statement on time. XXXX copy of check and statement will be provided. So I was really only 120 days late. At 150 days late they claim the account went into a charge off/collections. Well because it was not 150 days late, that would make that information invalid. Also I was never contacted or dealt with an outside agency. I continued to pay every month from XXXX to XXXX directly to Citi until it was paid off. However after XXXX they were negligent in not sending me statements anymore and I had to reuse XXXX statement over again. Many months Citi did not process my payments for as much as XXXX to 18 days. Also as a result of there negligence in no longer sending statements. I overpaid Citi XXXX in XXXX and sent a {$500.00} payment in XXXX do to a mathematical error because they werent sending me statements. They had to than issue me a credit balance refund of {$710.00}. Its also worth noting there information reported to each agency varies. Its all over the place. XXXX shows that the total amount late was only 120 days. There are XXXX issues, XXXX, I was not 150 days late paying, I was 120 days late and can prove it. Therefore even if they had charged it off it would be invalid because chargeoffs begin at 150 days late. XXXX, there was never a charge off or collections involved. I was never contacted by any third party collections agency and I paid Citi off directly until I was over paid starting in XXXX. I have tried disputing this several times with a XXXX reporting agencys. I have also attempted to work this out with Citi and sent a large amount of files proving this. It was clear, yet they mailed a response that the clear information provided did not show their errors of misinformation. It was very clear. I have replied with there mailed response with the information a second time. As a result of their unwillingness to take the time to look back at there files using my files and denying they provided inaccurate info including the fact there information is all over the place and varies widely from credit reporting agency to credit report agency, it was now time to file an official complaint with the CFPB to step in and help correct there errors which negatively impacts my credit score. No other credit card I had or have on file ever went over 120 days late as I began paying them all back the same month after I got better from being ill and out of work, however Citi makes an error publishes inaccurate information, is made aware of it and denies they made a mistake or correct it. Its time to set the record straight. I have been disputing this inaccurate information by them months now. The information is wrong.
Consumer complaint received 2023-02-06
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. (OH)

Under the Fair debt collection practices act as well as the Fair Credit Reporting Act my rights have been violated by XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1. ) 15 U.S. Code 1681C ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

2. ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

3. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.And they do not have my permission!