davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (FL)

I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

We hired a contractor to do repairs on our home after XXXX XXXX in XXXX. The contractor was terminated on XX/XX/XXXX, for breach of contract. However, sometime in late XXXX of XXXX we received insurance checks ( dated XX/XX/XXXX ), two of which included the contractor as a payee, along with others. They were issued by XXXX XXXX, from their account with JP Morgan Chase Bank, Check # XXXX for {$120000.00} and Check # XXXX for {$6700.00}. Both checks were deposited and cashed at a Chase Bank, sometime in XXXX of XXXX, by our previous XXXX, XXXX XXXX XXXX XXXX, without my legally required endorsement, Florida Statute 673.1101 ( 4 ), and a violation of Chases own policy! After contacting Chase about the banking violation, they are claiming the issuer of the check ( XXXX XXXX ) must be contacted to re-issue the checks. XXXX XXXX claims they are under no obligation to re-issue the checks and refuse to do so. Chase Bank as aided our contractor in receiving stolen insurance money, they are an accessory to insurance fraud and XXXX XXXX!!! Due to the incompetence of Chase and their unwillingness to correct THEIR error has put my family in a financial hardship!
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance {$580.00} XXXX-Balance {$670.00} XXXX-Balance {$890.00} XXXX XXXX XXXX-Balance {$690.00} XXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$2100.00} XXXX-Balance {$0.00} XXXX XXXX-Balance {$610.00} XXXX-Balance {$0.00} XXXX XXXX-Balance {$610.00}
Consumer complaint received 2021-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NC)

Company closed my account with no warning after 4 or 5 years of having the account in good standing. They will not provide a reason for the account closure and will not issue my funds to me in a timely manner. They are holding all of my funds from my direct deposit from my job. I have no other funds available to me, and now have no way to access my money. After speaking with the company, they would only say they had the right to close the account at any time for any reason.
Consumer complaint received 2021-10-11
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: WELLS FARGO & COMPANY (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account XXXX XXXX XXXX This is not mine.
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Tel : ( XXXX ) XXXX Email : XXXX Consumer Financial Protection Bureau TO WHOM IT MAY CONCERN, On or about XX/XX/2018, my Bank of America Debit card Account last # XXXX was used fraudulently by a unauthorize person ( s ) to make a purchase a fraudulent transaction on XXXX for a total amount of {$970.00} ( XXXX XXXX and XXXX XXXX Dollars ). 
When I noticed that transitions I notify my bank about the charges on my account with the 60 days period. Bank of America gave me a temporary credit for the full amount pending investigation. 
On XX/XX/2018, Bank of America reverse that charges and took the money bank and place my account in negative and stating it was my responsibility to protect my account. On XX/XX/2018, I spoke with XXXX from the Claims department and she told me the same thing that is it my responsibility to protect my account and I should have known that my account was used fraudulently. 

The Fair Credit Billing Act allows credit card users to contact their credit card company within 60 days of receiving the credit card statement with the unauthorized activity. I notified Bank of America within the 60 days period that my account was used without my permission. 

I did not authorize this transaction that appeared on my account and I am a victim of identity theft. 
My XXXX account was not the account that was used to make the purchase and I did not authorized anyone to use my card to make any purchase on XXXX or any other site. 
The fair Credit Act purposes to protect consumers from unfair billing practices and to provide a mechanism for addressing billing errors in open end credit accounts such as credit cards or charge card account. A dispute was filed in a timely manner so I should not be liable for a unauthorize transaction on my account. This matter needs to be resolve immediately. 

Best regards, XXXX XXXX Banking Information Headquarters Bank of America XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX
Consumer complaint received 2021-03-05
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. (CA)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I'm contacting you all in regards of an inaccurate account that is being reported to my credit report. 

Account Name : XXXX Account number : XXXX After numerous attempts Experian failed to verify this account and correct it. 

Under the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit reports. 

The inaccurate reporting is causing me to have major issues to obtain credit and the creditor and CRA is not following XXXX XXXX guidelines. 

I've attached the results of the latest dispute, dispute ID, and dispute letter I sent in. The inaccurate dates and balances are on the Identity IQ document. The dates are suppose to match under the FCRA.
Consumer complaint received 2022-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

The terms and conditions on my Paypal Mastercard administered by Synchrony were changed from 0 % foreign transaction fees to 3 % foreign transaction fees, without my being notified of the change. This resulted in {$170.00} in fees being charged, which Synchrony were unwilling to waive when I became aware of this change. 

In addition, these fees are not shown anywhere on the activity page for the credit card - only at the bottom of the statement.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX***-Balance {$0.00} XXXX****Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$890.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXXBalance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$690.00} US DEPT ED-XXXXBalance {$2100.00} XXXXBalance {$0.00} XXXX XXXX-Balance {$610.00} XXXX-Balance {$0.00} XXXX XXXXBalance {$610.00}
Consumer complaint received 2022-06-12
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)

In accordance with the Fair Credit Reporting Act 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 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  has violated my rights. 
15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2 : It also a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America never called me to refer me to debt collection. In addition, they closed my account so i can no longer log in and pay or see anything. This restricts me from working on paying my card down and never mailed nor called.
Consumer complaint received 2018-04-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (IL)

This is only one example, however just today, in 5 hours Ive received 3 calls from the same number from XXXX XXXX. Yes, I am late, and yes I understand their efforts, however I have never been over 30 days late, and am feeling these aggressive tactics are above normal expectations in collecting a debt of {$150.00}.
Consumer complaint received 2018-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was making a payment of {$50.00} a month and they contacted me and demanded {$120.00} a month. I tried to explain to them that I could not afford {$120.00} a month, but they would not listen and threatened to take me to court and jail time
Consumer complaint received 2021-12-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XX/XX/2021 : Sent XXXX XXXX XXXX a letter requesting validation for these accounts : # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Sent Equifax a letter requesting validation of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Sent XXXX a letter requesting validation for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX It has been 30 days and I have not been notified of the status of the validation.
Consumer complaint received 2018-10-12
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. (NJ)

I submitted a dispute with Experian on XXXX XXXX ; concerning XXXX XXXX XXXX Account # XXXX. Status : XXXX XXXX off. I sent Experian copies of the payments that were sent to XXXX. ( The car was totaled and my insurance covered the cost of the loan and Gap insurance made up the reminder of the amount. ) On XX/XX/2018 Experian sent me the dispute results which said that it has been verified. 

On XX/XX/2018 I sent a letter to Experian asking for how they conducted their investigation into my dispute. I specifically asked what was Experian 's methods and procedures for doing this investigation and was this investigation performed independently and not just parroting what the creditor said. 


On XX/XX/2018 Experian sent me an email alert that a dispute was opened up for XXXX XXXX XXXX and the results would be finished around XX/XX/2018. 


I called Experian on XX/XX/2018 at approximately XXXX and was transferred to a dispute specialist name " XXXX XXXX who informed that XXXX XXXX investigate this dispute and notify Experian within 30 days. I said that I was expecting the results in 15 days ; I attempted to explain to XXXX that I sent the letter to Experian and specifically asked for how Experian conducted a reasonable investigation. XXXX said that XXXX would look into my dispute. 


Experian has totally disregarded my request for the method of verification.
Consumer complaint received 2024-02-06
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. (WA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information in violation of Fair Credit Reporting Act Section 609-A one A. You are required by federal law to verify any and all accounts that you post on the credit report through physical verification of the original signed contract. Otherwise, anyone paying for your debt is most likely fraudulent. I demand to see verified proof. If you fail to comply, please remove this account from my report immediately. 

I'd like to know why you're reporting this account to my credit report. This account has been closed. Remove this account right away because of inaccurate reporting. 

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX 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 tha
n 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 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Hello, I hope this note finds you safe and well. 

I paid XXXX XXXX XXXX 2021. Ive been requesting a {$0.00} balance letter since XXXX 2021, but have yet to receive it. I havent received anything by mail or email. I requested it again last week, but have yet to receive it. Since they have failed to provide the letter, I disputed the account with Equifax. On XXXX - Equifax sent a letter advising the information being reported was accurate- but it is inaccurate. I called Equifax and requested to know their investigation process as I did pay XXXX XX/XX/2021, and was told by XXXX theyll update my file and have the reporting removed in its entirety, but neither of that has happened. According to XXXX from Equifax ( call was on XXXX/XXXX/2021 at approx. XXXX XXXX ), the investigation is as follows - they submit the dispute to the lender, the lender in turns enters whatever information they please into a software and that information is electronically sent back to Equifax. Equifax trusts that the lender will submit accurate information. This is not an investigation. This is incompetence. The same analogy I have XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr- he enters or says no - and hes free to go based on that answer. That would not be considered an investigation. This procedure should be eliminated in its entirety and lenders should be challenged. If customers are trusting credit bureaus to conduct an investigation- it should be done as such.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I asked Experian why if my student loans are in good standing that debt to ratio goes up. I am in a work program that allows me to not pay because I work in a nonprofit but when my student loan reports it shows my interest rate which causes my debt to ration to go up. 

After asking this question and getting an answer my score drop with Experian 14 points and it should have not. 

I have an attorney looking into a class action suit on credit reporting. I should not have my score impacted for a dispute question.
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Issue is with bank of America, in re to checking account overdraft fees. Bank of America assessed the account 2 separate over draft fees, at {$35.00} each, on or about XX/XX/18-XX/XX/18. 

Bank of America claims two separate transactions - one ATM withdrawal and one ACH debit, caused the account to go into a negative balance.

I logged into the Bank of America mobile app 3-4 times on the date in question, and the available balance was always reflecting as a positive balance. None of the transaction that took place on the date in question were for amounts greater than the " Available Balance '' amount that was reflected via the Bank of America mobile app.

The final time that I logged into the Bank of America mobile app on the date in question, there was a positive balance ; not once during the date in question was there a negative, overdrawn balance reflected.

I contacted Bank of America customer service today by phone. The rep I spoke with did not sound confident why the two overdraft fees were assessed. Her best guess was that transactions made on the prior Saturday and Sunday ( XX/XX/XXXX and XX/XX/XXXX ) were being listed as " Processing '', and there was a delay in the charges being " Settled '', due to Monday, XX/XX/XXXX being a bank holiday ( XXXX XXXX ).

After I asked her why was there never a negative account balance being reported online by Bank of America, the rep was unable to answer my question.

I am positive that none of the authorized transaction amounts were greater than the available account balance, at the time the transactions were made. It appears to me that Bank of America held back certain transactions on the account, and applied them the following business day, and processed them in a specific order that caused the balance to be reflected as a negative balance.

I have tried resolving this directly with Bank of America without any success.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I have tried unsuccessfully to reach a live person in customer service to assist me at Experian. I have not been able to obtain a free credit report from them - ever. I called today numerous times at numerous numbers available on the internet and their site and was never able to speak to a live person even after entering my social security number, zip code and house number several different times. XXXX and XXXX   were awesome and very helpful and I got what I needed. Experian makes it so you never speak to a human being I am told. They want you to send your personal info through the mail and if lost, not their problem. They open you up to identity theft. How do I speak to a human at Experian regarding my credit report and placing a freeze on it. Their site is not helpful in addressing my questions either. Very user unfriendly. Please help me. Thank you.