davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (PA)

In late XXXX, State Farm XXXX XXXX transferred my and my husband 's joint CD, as well as each of our individual Traditional IRA CDs to US Bank. Prior to this transfer, we received quarterly communications from State Farm and had a local person to speak with about issues. After the transfer, US Bank sent us virtually no communication on balances, renewal dates, or interest rates. There is no branch within XXXX miles of my home, so we could not visit them in person for this information. The only thing that we saw regularly ( annually ) was our IRA required minimum distributions. When I finally had my daughter help me gain online access to these US Bank accounts ( I'm XXXX XXXX XXXX and not computer literate ), I saw that my IRA CD had been renewed in XXXX at a 0.05 % interest rate with no communication of that renewal whatsoever. 

My husband has been in a XXXXXXXX XXXX since XX/XX/XXXX, and I have very limited financial resources given the bills I am paying for his care. My IRA, valued at approximately {$36000.00}, is one of the few assets I still have. However, given the paltry interest rate I was receiving from US Bank, I transferred the IRA to a financial institution closer to home so that I could better manage it and get a better interest rate. I was appalled to see that when the transfer occurred, the balance was reduced by over 3 %. I called US Bank twice to understand why. The first time, XX/XX/XXXX, I was not given much information other than that it was a fee they charged for transfers outside of the renewal period. I asked to speak with a manager. He - XXXX XXXX- was not available but I was promised he would call me back within 24 hours. I still had not received a return call as of today, XX/XX/XXXX, so I called US Bank again. All I was told is that the 3 % fee is not able to be waived and that they would log feedback for XXXX XXXX since he did not call me back. I can understand losing a few months interest, but losing 3 % of the entire balance with zero communication from US Bank about their fee / penalty structure is outrageous. For an older person with limited means, it's robbery with no warning.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

So I sent a letter to the credit bureau to remove personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.these are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (SD)

On XX/XX/2021, I was browsing auctions on a site called XXXX. In order to view the auctions and the activity, you need to enter your credit card information. 

I was browsing few auctions looking. at watches because I love watches. 

I was at home on my computer. I went back to work on some tasks and suddenly I received an email saying I won an auction for {$2700.00} and I had to pay {$3700.00} for a XXXX ring. 

I wrote them right away that it was a mistake on their end and I never purchase anything. they said i did and I had to contact XXXX XXXX the auction house. I contacted them and they told me to see with XXXX. 

They also told me they would refund me but they would keep 25 %. They are all scammers you can see the reviews https : XXXX I opened a dispute with Chase, that removed temporary the charge. In XXXX they added the charge back saying they talked to the vendor and since he told them I made the purchase they reversed it. 

I called again and they transferred me to fraud department. They apologized and they removed it of my account and changed my card saying it was a fraud. They told me it shoud n't happen again and they never told me that another investigation would be done. 

Now the charge is back again and they say the investigation team talked to the vendor and decided it was not a fraud since they had my card information. 

This is unacceptable, the investigation team never called me, never asked for proof of emails I had with them. They didn't check the number of people complaining about them. 
I never made the purchase, they use my credit card information to trigger a purchase without my consent. I should be treated as a consumer with my rights.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2022, I purchased two American Express XXXX XXXX XXXX with a total balance of {$1000.00}. 

On XX/XX/2022, I found two transactions ( one on each card ) wiped out all of my balances on the two cards. 

I called XXXX in relation to this matter, and they told me that they were unable to recoup the fund despite existing rules on Electronic Funds Transfer. 

The card numbers are XXXX and XXXX.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. Additionally, this just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is zero. Lets correct this immediately! 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-08-30
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. Additionally, this just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is zero. Lets correct this immediately! 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. Additionally, this just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is zero. Lets correct this immediately! 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASEUPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX MEDICAL XXXX XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX XXXX
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems inc. is in violation of 20 of the FDCPA Laws as you can see in Exhibit A, B, C, and D I sent Transworld Systems inc. a debt validation letter, Transworld Systems inc. failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus which is another FCRA violation. Also as you can see in Exhibit C and D the amount is reporting inaccurate. By reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want an apology and I demand remedy by paying the invoice included of {$20000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. Please I ask you to investigate this matter and help me from further harassment. Thank you, XXXX XXXX
Consumer complaint received 2017-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

I paid debt off XXXX/XXXX/XXXX after paying in installments to creditors attorney. I contacted creditor and they said I still owed them. I contacted the court and XXXX and they advised to send certified mail stating that debt was paid and I can/will furnish cashed checks to verify it. Court set up hearing, and creditor did not appear but sent a satisfaction of judgement dated XXXX/XXXX/XXXX signed by their attorney 's office. Credit bureaus are still showing that I owe a balance on the account and that they " verified the balance '' with the creditor.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I bought a car from XXXX XXXX in XX/XX/XXXX and it was repossessed in XX/XX/XXXX. They sent me a ledger of payments and the contract and both have been altered to state my last payment was in XXXX which is XXXX years later On the contract dated with XXXX XXXX states I made a initial payment XXXX. The ledger states that there was repossession fee in XX/XX/XXXX and my official last payment was made XX/XX/XXXX by XXXX card. All these other payments being reported are formulated by XXXX fraudulently .Inconclusive payments are being recorded but none are being removed from the principal balance which means those payments are falsely being reported to keep my account in a open status.
Consumer complaint received 2022-08-30
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reported inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$4900.00}
Consumer complaint received 2022-08-30
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: Self Financial Inc. (WI)

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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-30
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: National Credit Adjusters, LLC (WI)

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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-14
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. (NV)

Multiple disputes submitted to get this bankruptcy removed that is reporting incorrectly. I have been disputing this for years with Experian. 

XXXX XXXX XXXX have removed the item that was being incorrectly reported. 

Experian refuses to remove and continues to electronically validate this item as accurate using a third party services This third party is reporting inaccurate information Please instruct Experian to remove the item as XXXX and XXXX have
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recovery Solutions, LLC (IA)

I talked to NR Solutions on Friday XX/XX/XXXX. They claimed I owed XXXX debts but couldn't verify what it was for. I sent a letter requesting the debt to be verified and more information so I could even know what the debt was for. I never got a response. Now they have called me on XX/XX/XXXX, XXXX, XXXX, every XXXX days and still called today XXXX.
Consumer complaint received 2022-08-30
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reported inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge BK OF AMER XXXX Date Opened : XX/XX/2008 Balance : {$4900.00}
Consumer complaint received 2022-08-30
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
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. (PA)

When I reviewed my credit report, I discovered that some of the information was inaccurate. The 3 credit bureaus must validate these accounts in line with 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX Balance : {$2600.00} US DEPT ED XXXX Balance : {$2900.00} XXXX XXXXBalance : {$110.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX Balance : {$64.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00}
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was inaccurate. The 3 credit bureaus must validate these accounts in line with 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX Balance : {$2600.00} US DEPT ED XXXX Balance : {$2900.00} XXXX XXXXBalance : {$110.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$2300.00} XXXX XXXX  ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$64.00} XXXX XXXXBalance : {$0.00} DEPTEDXXXX XXXXBalance : {$0.00} DEPTEDXXXX XXXXBalance : {$0.00} DEPTEDXXXX  XXXXBalance : {$0.00} DEPTEDXXXX  XXXXBalance : {$0.00}