davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CAPITAL ONE balance {$680.00} account # XXXX 30 days late on XXXX 2022, 60 days on XXXX 2022, 90 days late on XX/XX/2022, and XXXXXXXX 2022.
Consumer complaint received 2022-07-13
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 an account without my written instructions. 

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

XXXX NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ADDRESSES : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX EXPERIAN NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/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 XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-17
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. (GA)

On XX/XX/2020 I opened an account with Experian. According to them per the online account, my credit is unfrozen. I am trying to refinance a mortgage and the bank needs access. 
on XX/XX/2020, the bank says my credit is still frozen. 
XX/XX/2020 : per online it's unfrozen. Per 800 number attempt to reach customer service, it is frozen. Attempted to unfreeze via phone, and was told to submit by mail. The website indicates customer service is open 7 days per week. After searching online and finding suggestions from others, I attempted to reach the fraud line, only to have the automated system tell me customer service is only open monday - friday. It is impossible to reach a live person to discuss or rectify this situation.
Consumer complaint received 2022-07-13
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXXAccount # XXXX, has violated my rights. 
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 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 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (WA)

LexisNexis is a consumer reporting agency that sells a variety of types of reports about consumers. Two of LexisNexis ' types of consumer reports are called CLUE Property and CLUE Auto, which contain information about a consumer 's property insurance and auto insurance claims history, respectively. The CFPB is aware of these reports : https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/comprehensive-loss-underwriting-exchange/ In prior years, I was able to obtain my CLUE Auto and Property consumer reports for free annually from LexisNexis as required by federal law. This year, LexisNexis has changed their consumer report web site. The new site at https : //consumer.risk.lexisnexis.com provides a web form for requesting a full consumer disclosure from LexisNexis. 

I requested my full consumer disclosure from LexisNexis using this web form on XX/XX/2020. LexisNexis recently provided me my consumer disclosure in response to this request, but the disclosure did NOT include my CLUE auto and property reports as expected. The disclosure I received is therefore not a full file disclosure and I do not know what else might be missing. 

The changes to the consumer disclosure web form on LexisNexis ' web site does not provide an option to request these CLUE reports, nor does it enumerate the types of reports that LexisNexis creates about consumers. This makes it impossible for your average consumer to know if their LexisNexis consumer disclosure actually contains all the information LexisNexis is required to provide. I know the CLUE reports are missing because I have received them in past years, but the average consumer has no way to know. 

LexisNexis needs to provide me with my FULL file disclosure, including ALL information that it stores about me. LexisNexis also needs to fix their consumer disclosure web site and internal processes so that ALL consumers receive full and complete disclosures in response to a request.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX I received notification from my bank, JP Morgan Chase, that my savings account was placed on hold for the amount of {$6200.00} for a judgment that did not exist. XXXX XXXX XXXX XXXX. claimed to be representing XXXX XXXX XXXX for a debt that had already been previously dealt with years ago. The information from XXXX XXXX XXXX to Chase bank did not even have legitimate personal information of mine. When contacting Chase bank, they did not offer any insight as to how they screen for legitimacy before placing savings accounts on hold. In order to gain access to my funds, I had to pay out the money to the scammers or else Chase would have doubled the amount from my savings account. Instead of being out {$12000.00}, I complied. I am holding Chase bank liable for being scammed out of my money by frauds and want to know how/why my bank account was compromised.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

On the last credit report ( which I have attached as an attachment ) which was sent to me it says that the XXXX XXXX XXXXXXXX account will be deleted 7 years from the date of last activity but on the credit report the date of last activity is missing. So, it can not be truly know when this account should be deleted as information is missing. The Fair credit reporting Act ( which I have attached a copy of ) said that if information on a credit report is incomplete, in accurate or unverifiable then such an account should be deleted from the persons credit report. This account is incomplete as it is missing crucial information and lacks the date of last activity. This date is crucial in determining when the account should fall off the credit report. 
Kindly delete XXXX XXXXXXXX XXXX from my credit report as it is incomplete. The date of last activity is the date that the last payment was made before the account alledgedly went into a charged off status. Additional violations are noted in the letter which I have attached. These violations are noted in the letter and highlighted on the copy of the Fair Credit Reporting Act which I have submitted.
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

I am writing to dispute a charge of [ {$900.00} ] to my credit account on XX/XX/2022. The charge is in error because the item was not delivered. PayPal has already closed this case in my favor and I need Synchrony Bank to credit my account. I did not authorize Synchrony bank to charge my account {$900.00} after I was refunded. 

I ordered the item on XXXX XXXX. The seller promised to deliver the item to me on XX/XX/XXXX with a signature request, but I never received my order. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

Enclosed are copies of PayPals decision on the case, email proof of signature request, disputes filed with XXXX, cancellation of orders with XXXX and delay in refunds, these documents support my position and experience. 

Please correct the error on my account promptly. Also, I have received poor customer service from Synchrony bank were representatives have hung up the phone on me. 

Sincerely, XXXX XXXX Enclosures : PayPals case decision, Paypals buyer protection policy
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Credit Karma (CA)

XX/XX/2022 Received a debit card from Credit Karma that I did not request. 
When speaking to agents they asked for information to " find my account ''. I hung up and called a different number listed online, they asked for more personal information ( name, birthdate and email ) they stated they would close my account and send me a written notice stating they closed the account. When I called again and asked for the fraud department they stated they did not have a fraud department. 

I checked my credit report and noticed Credit Karma had done 2 soft inquiries on XX/XX/XXXX and XX/XX/XXXX both without my knowledge. I am still not certain whether this is a third party posing as Credit Karma, if this is a promotional service/offer from Credit Karma or if this is a case of identity deft. 

Materials sent are misleading and confusing, have not and will not be doing any business with this company.
Consumer complaint received 2022-07-13
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. (TX)

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$50000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Open. 

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Back in XXXX, I set up auto pay of my mortgage ( XXXX ) to be taken out and paid electronically every month on the first of each month when the payment was due. On XX/XX/XXXX, I contacted my bank ( USAA ) to inquire about why my mortgage payment was not being processed on time. I had noticed several months ago ; around XXXX, that the payment was being processed 6-7 days later. When I asked why, I was told that it could be an issue with the Merchant ( XXXX ) not accepting the payment electronically or my banking institution felt they needed to change it for whatever reason they deemed fit. I explained that I have had it set up that way for the past 5 or so years and that I did not appreciate the change considering that I did not want my mortgage payment to be sent late. They stated they could not handle when the mail was being picked up at the facility that now handles writing the checks for USAA. ( If I wanted a check sent out, I would did it myself ) I stated that I would like to speak with them and they told me that was not possible. USAA could not give me a valid reason for this change and told me they could change it at anytime they wanted to without notifying me of this change. I am very frustrated on the non-answer answer that I have received and would like details into this situation. I do not want my payment to be late and incur additional charges because the bank deemed it so. At this point, I am not confident the bank can handle the needs of my family and what we ask of them to provide for us.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I sent a dispute letters to Experian, XXXX and XXXX asking for this company to remove some personal information that was absolutely devastating to my reputation. They have records information on my report that wasn't told to me or acknowledged by me to report of erroneous information such as charge offs of accounts that still have a balance. I believe Experian has violate my consumer rights and violated my privacy. 
The accounts that I'm referring to is XXXX, XXXX XXXX, and XXXX XXXX. 
I have ask for them remove these accounts and they stated it was verified. How so, if I wasn't told about the information that was given to them to be true. The information they have is not factual. As per the FCRA any information that I didnt give authorization is supposed to be excluded .I have been getting denied from trying to get a home. Please help me have them fix this grave error by removing these negative remarks.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (MI)

Dear Consumer Financial Protection Bureau, I am writing to bring your attention to inaccuracies on my credit report that occurred as a result of financial hardship caused by the XXXXXXXX XXXX According to federal guidance and the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, creditors and credit reporting agencies are expected to provide relief and leniency to individuals financially impacted by the pandemic. However, I have identified derogatory marks and late payments on my credit report during this period that do not align with these provisions. 

Explanation of Circumstances : I was financially affected by the XXXX pandemic, resulting in a loss of income and unemployment during [ XXXX ]. 

During this time, I communicated with my creditors regarding my financial situation, requesting relief and accommodations under the available programs. Despite this, late payments and other derogatory remarks were reported to the credit bureaus. 

Under the XXXX XXXX, lenders were required to report accounts as " current '' if accommodations were made due to pandemic-related hardship. These negative entries appear to have been reported in error or without considering the appropriate guidelines
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (PA)

On XXXX an XXXX XXXX item # XXXX purchased online from Lowes with a Lowes credit card was to be delivered to my address on XXXX. As of this date no umbrella was delivered. Lowes was notified on XXXX. The XXXXt XXXX Lowes store manager was left a message, but no return phone call was received. 
A third party delivery company XXXX was found to have NOT delivered the XXXX and closed the delivery ticket out. A call to XXXX on XXXX ( Spoke with XXXX ) found that the delivery was not made, the XXXX was at the terminal, and was awaiting a new ticket for redelivery. XXXX reached out to Lowes several times for a redelivery ticket which was never issued. The XXXX was was then returned to the XXXX  XXXX store by XXXX. 
Several correspondence have transpired. I have all supporting documentation listed by date. 
I was able to contact Lowes corperate on XXXX @ XXXX ( XXXX XXXX. A XXXX case # XXXX was given. The account was credited the full outstanding amount and another XXXX  was ordered and paid in full the same day. 
One month later, the account was then charged the original disputed charge, that had just been credited. 
I have attempted to contact Lowes XXXX XXXX store several time. I placed the credit card in dispute. Contacted Lowes corperate. This issue is still outstanding. 
Awaiting a response " XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Consumer complaint received 2022-07-13
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. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-05-12
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. (GA)

Reached out to the three credit bureaus about an inaccurate collection item on my credit report and they are saying that the debt is verified as accurate, which it is not I told them that I received a one page lease that shows 1 of 8 pages and I only received page one. On the one page it does not say anything about a broken lease fee, I asked the agencies how did they certify the debt and got no response, I havent received a billing ledger for the collection agency and it says I sent a notice that I wanted to end the lease which is not attached. They are reporting information that is not accurate and unverified, you cant add something to my credit report without a full lease, full payment history, and proof of this debt. Please review the documents Im submitting and please tell me where it even states if a lease is broken there is a fee, therefore this is not acceptable and irresponsible reporting this.
Consumer complaint received 2022-06-30
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. (AR)

In accordance with the Fair Credit Reporting act the account below has violated my rights. 

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 states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} open balance Opened XX/XX/2022 Placed for collections
Consumer complaint received 2024-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This started back in XXXX. My husband ordered a transmission rebuild kit from XXXX. They sent the wrong item so we did our due diligence and reached out about it. We were told that they would send the correct item. Weeks went by and we heard nothing. My husband reached out and the rep said they would refund us. Weeks went by and no refund was credited to my credit card. We reached out again and the company ghosted. 

so i filed a claim with bank of america because the merchant did not refund my money for the wrong item. The item sent is not the same in price and value to what we ordered!
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NJ)

This is regarding American Express XXXX XXXX benefits. I signed up for the XXXX XXXX in XXXX of XXXX and enrolled in the Hilton Honors XXXX status XX/XX/XXXX. XXXX. It has now been almost XXXX  months and I have still not received the status match. I have called Amex XXXX ( number on the back of my credit card ) over 8 times, escalated the ticket twice, and still nothing. 

I paid {$700.00} a year for the XXXX benefits and have yet to receive the Hilton benefit. Every time I call, I am told that a ticket has been recreated and for me to call back in 7 - 10 business days. I have also been told to call Hilton. I've called and email Hilton and they mentioned that it is an American Express issue. Hilton has gone as far as to reach out to American Express themselves only for Amex to tell Hilton that I need to call Amex themselves ( did 8 times already ). 

The last thing Amex mentioned to me was now it's suddenly a widespread issue with Hilton matching on their end and while they are trying to resolve it, there is no resolution date in sight.