davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. (FL)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

After opening an account, I was charged a {$25.00} fee for 'delux check ' that I did not order nor did I know I would be charged for. In resolving this, the bank says it will take up to 10 business days to investigate, and that I should fund the account in order to avoid an overdraft fee. That fee would be on the account of an overdraft due to a problem they have created. 

Not only was I not told during account opening about this, there was no notification afterwards that I was charged. 

If I had not been checking in on my account for some other reason, I would've been ( a ) charged for a service I do not want and ( b ) charged for overdraft.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name : 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 XXXXXX/XX/year>
Consumer complaint received 2021-10-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (UT)

We contacted AmeriSave in XXXX about refinancing our 1st and 2nd mortgages. We informed them that we had filed a Chapter XXXX bankruptcy and were nearing the end of our 3 year term. Our loan originator, XXXX XXXX, told us that we would need to wait until we received the discharge from the bankruptcy court before she could proceed with the FHA loan application. We received the discharge XX/XX/XXXX and were notified on XX/XX/XXXX, at which time we paid the {$500.00} application fee and proceeded with the loan. At that time, our application was then forwarded to the Sr Processor, XXXX XXXX. We encountered several preventable delays, i.e., the title search took two weeks and when I asked XXXX XXXX the reason for the delay, she informed me that AmeriSave generally gives the title company 10 days to complete the title search. After 12 days ( XX/XX/XXXX ) I contacted the title company directly and was informed that they had not even begun the title search because they could not find the property. I immediately gave them the parcel number and the property description and they were able to complete the title search ( XX/XX/XXXX ). We became increasingly frustrated with XXXX and complained to her supervisor, XXXX XXXX. XX/XX/XXXX XXXX XXXX told us that the underwriter would not accept the loan payment history that was provided by the mortgage company so we provided XXXX XXXX with monthly statements. It was also then that we were first notified that we needed to get a letter from the bankruptcy court giving us permission to enter into the loan. We contacted the bankruptcy court and were informed that the case was closed. Because of AmeriSaves inactions, we have now been placed in a situation where we are unable to get any kind of financing for 12 months. Any company that engages in FHA mortgages should have known the requirements, i.e., we should have been allowed to begin the process prior to being discharged, and we should have been told about FHA requirements in the beginning.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I applied for a debt consolidation loan with XXXX XXXX XXXX XXXX which included Synchrony Care Credit card in the amount of {$1600.00}, payment posted on XX/XX/2024 and Synchrony Sam 's Club Plus Member Master Card in the amount of {$2200.00}. The Synchrony Sam 's Club Mastercard payment was never received after every unsuccessful follow up call I made to Sam 's Club Mastercard Services. This went on for over a month. XXXX at XXXX XXXX XXXX XXXX advised me, XXXX XXXX will place a stop payment on the check if it is not cashed after thirty days. I followed up with XXXX and she advised me, XXXX XXXX will go ahead a place a stop payment since she does not see where the check has been cashed. On XX/XX/2024 I spoke with XXXX with Synchrony Sam 's Club Mastercard. XXXX advised me, " Sam 's Club card is closed, {$1500.00} credit balance still under review, payment returned {$2200.00} XX/XX/XXXX due to non-sufficient fund, checks received XX/XX/XXXX and XX/XX/XXXX, call back after XX/XX/2024. '' I spoke with XXXX XXXX who claim to have checked another source for card reopen requirements. Supervisor XXXX stated, I must send a letter to Synchrony Sam 's Club Mastercard from XXXX XXXX XXXX XXXX advising, they placed a stop payment on the check due to the check not being cashed for longer than thirty days and my card will be reopened. XXXX XXXX submitted the letter to me and I forwarded it to Synchrony as I was advised to per XXXX XXXX. Synchrony is now asking that I re-qualify for the card, " Federal law requires us to determine your ability to make the minimum payment on your account ... '' On XX/XX/2024, Supervisor XXXX advised me XXXX did not provide me will all the facts to re-open the card and, " Update annual income, '' is required at this time, referencing the letter sent to me, dated XX/XX/2024 from Synchrony. Per my request, XXXX advised me, he will have XXXX contact me at XXXX. I advised XXXX, I will be filing this complaint, XXXX XXXX.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

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
Consumer complaint received 2024-10-25
Product: Credit 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: Atlanticus Services Corporation (KY)

I contacted Aspire about several fraudulent charges made with my card on the following dates and locations : XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX KY {$99.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX KY {$60.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TN {$200.00} I use my card usually on saved accounts where it does not have to be physically present.

I was assured by a representative with Aspire that they would resolve this issue and issue me a new card. I received the new card, I have made payments and returned the information Aspire had asked me for, which was a statement saying that I had not made the purchases, along with a photo ID, my Driver 's License was photocopied and sent to them. On XX/XX/XXXX I received a letter stating that my account was over the limit, no further explanation was offered. I investigated my account to find that they had recharged my account for these unauthorized purchases, going over my allotted line of credit, and now have suspended my account. 

I do not go to XXXX, was not in XXXX Kentucky, and do not shop at XXXX which is in my home town. Id love to see the video footage of me using this card to make those purchases because it simply did not happen.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDICO. INC (ND)

I first received a phone call from a woman from Credit Collection Bureau of XXXX, ND for a debt that is not listed on my Credit Bureau Report and that of a Medical Bill that I have never heard of. I told her I do not have that particular debt and she said, " Well part of this is paid off ''. I told her to stop calling me ... and I blocked her. I then received a letter with Medical Bills. 

I have been a victim of Identity Theft in the recent past. 



XXXX XXXX XXXX  & XXXX XXXX XX/XX/2021 I am on the Do Not Call Registry.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

I received an American Express Gift Card from my company for {$350.00} and have been unable to use it online or at any store. I submitted two purchases to XXXX which should support the gift card, and received qty 2 {$0.00} cent charges ( XX/XX/year> ) showing XXXX tried to make the charges but seemingly was declined by American Express. I tried to call and understand why these charges were canceled ( XX/XX/year> ) and was told that any company that doesn't allow anonymous transactions will not take my card. However, I was told my zip code and address MIGHT work. 

I asked which companies support online purchases with American Express Gift Cards and was not given an answer. Then I was told I could add it to my XXXXXXXX wallet, but that also did not work. I actually received another {$0.00} ( XX/XX/year> ) in charges from XXXX for attempting to add it to my wallet dropping the balance of my gift card. 

I can not use the card and can not get any information on how to proceed. Every time I attempt to use the charge it is declined and I get a small {$0.00} charge deduction from the gift card. The information I'm being given from Customer Service is unhelpful and incorrect.
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc. (MA)

1. I have leased a car from Tesla for over seven years ( since XXXX ). 2.All the monthly payments have been made using XXXX  XXXX XXXX AutoPay service, set up at the beginning of each lease period for the number of payments contracted, scheduled to be delivered a few days prior to the due date. 3.My XXXX XXXX  XXXX leased car was returned to Teslas dealer XXXX XXXX, Massachusetts on XX/XX/XXXX. I took possession of a new ( XXXX ) Tesla XXXX XXXX at that time. 4.XXXX  payment for the new ( XXXX ) car was included in the sum of {$10000.00} paid as delivery fee for the new car. Since the XXXX payment for the XXXX car for the amount of {$1100.00} had already been automatically paid by the bank, and as the new lease amount is {$1200.00}, an additional payment for the balance of {$130.00} was mailed and processed by XXXX on XX/XX/XXXX. 5. Monthly payments for the new lease have been regularly issued by XXXX  XXXX XXXX during the first week of every month ( typically on the XXXX or XXXX of the month ), as has been the case ever since the lease began. 6. On XX/XX/XXXX Tesla issued an invoice for {$5900.00} for Excess wear and tear. Repeated attempts to receive detailed support for this item yielded an e-mail on XX/XX/XXXX with the following information : Excess Wear and Tear : $ XXXX Taxes 4 19in tires - {$1400.00} 2 wheel refinishing - {$200.00} RH QP bodyline dent - {$3000.00} rear bumper - {$1100.00} no photos of keys or charging bundle {$260.00} 7.I explained that the charging bundle and keys were returned with the car ( and inspected by the manager at the dealership ). I was promised photographs documenting the excess wear and tear, and yet to this date, I received none of the photographs. Tesla also ignored my requests for an explanation of what should be considered normal wear and tear for the period of 14 months ( XX/XX/XXXX XX/XX/XXXX ) extension of the original lease, due to Teslas failure to provide the new car ordered in XXXX. 8. Tesla failed to properly close the XXXX lease on XX/XX/XXXX, opting instead to charge me lease payments through XX/XX/XXXX, even though Tesla was in possession of the car. 
9. Instead of resolving the issue by properly crediting my account, Tesla opted to issue on XX/XX/XXXX a letter of demand, threatening to commence vehicle repossession and/or legal action 10. Beginning in XX/XX/XXXX Tesla began sending daily ( and sometimes even twice a day ) electronic notices of overdue payments, fabricating overdue periods of months, while at the same time cashing the timely lease payments.
Consumer complaint received 2021-07-20
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. (MS)

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 53 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 53 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.