davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (GA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I have a joint account with my Daughter. She goes to XXXX  in XXXX XXXX, and I live and work in XXXX XXXX. There was a Fraudulent ATM withdrawal in Florida on XX/XX/XXXX for {$1000.00}. The account only had around {$240.00} balance at the time of withdrawal. Wells Fargo ATM allowed the transaction because they said the account had overdraft protection. There had never been a legitimate {$1000.00} withdrawal from that account and neither I nor my daughter ever asked for overdraft protection and not sure how it was added. I immediately contacted Wells Fargo and reported it as fraud and filed a claim. They said they'll investigate it and on XX/XX/XXXX responded that they denied the claim and said I must have provided my account info to someone else to withdraw on my behalf. That is a lie. This was a fraudulent transaction that Wells Fargo allowed and they need to accept responsibility for it.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I obtained a copy of my consumer report and notice fraudulent accounts on my report. These accounts do not belong to me. Please remove these accounts from my consumer report. According to the FCRA these accounts must be blocked from my credit file. Pursuant 15USC 1681C2 these accounts must be locked from my consumer file within 4 days.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

In accordance with fair credit Reporting act XXXX Account ending in # 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 an 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 purpose.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

Synchrony Bank Amazon store card. They rope you in with XXXX XXXX interest payments but then the bill is super confusing. Their webpage is confusing as well and no where on my billdid it explain purchases or terms. That was one problem. 

The other problem and the one that made me furious is this company takes a minimum payment from you even in a month where you pay your statement in full. I had to drain the account of funds connected to make payments and sure enough I see all these attempts to take money I am NOT authorizing and I contacted their customer service several times and even gave the benefit of the doubt and continued using them. Then once again I went to pay my bill and I could see in my statement the last payment I made was canceled and rejected then went though. None of that was my doing and if I look further down its showing another attempts they made. Of course when I confronted them on this they blamed me. But why would I do that? Why would I pay my statement in full and then make another minimum payment? Why would I set up an auto pay for a certain date then you try to take the funds and cancel it and XXXX around ( they were trying to take it sooner than I authorized! ) This company is corrupt and also once again I tried to take advantage of the XXXX XXXX financing and I was not able to because they do not specify what the total cost of the bill is and what amount is good for the promotion. So Im frustration and to not incur interest I paid it off in full. Then I get a screen that tells me that since the bank account on file has had a rejection I need to sue another account. And that was all because THEY were trying to take payments not authorized to take. I certainly wasnt going to give them access to any other account I maintain.

I know it is a federal felony to take money over a wire from an FDIC institution and I want this bank held accountable. 

See attached files. I did NOT authorize those rejected payments. And they got one {$29.00} payment before I realized what was going on. Also I would like to point out the larger payments I did authorize I paid my bill in full every month EARLY and they played games with me and my accounts.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The Capital One Customer Advocacy Office replied to the XXXX XXXX XXXX Complaint on XX/XX/23 by asking me for my new contact information after calling me earlier in the day from my new cell number to bypass the XXXX 

Told the Rep to reply to the XXXX, instead of trying to bypass the complaint process and now we're right back to claiming that they do not have my new cell # on-file by sending emails to update the acct. 

They are purposely denying the new card and mailing it to the prior address on purpose at this point for it to be compromised. 

This is also starting to look like Harassment/Discrimination which if not resolved w/this process, then it'll be forwarded to an consumer attorney or the New York State Attorney General XXXXs Office XXXX
Consumer complaint received 2022-12-02
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. (SC)

I payed it down to XXXX XXXX I voluntarily gave it back because 6 months of ownership it blew and engine and the warranty wouldnt cover! Say I was late and my last payment was in XXXX of XXXX whichs is a lie, we had a plan wit them and they say i didnt pay lied Then how do I get a XXXX dollars balance on my loan when I gave it back to them around XXXX then sold it and made XXXX and before they did that i owe XXXX I ask over and over again to fix it and they dont and they got XXXX dollar rims and tires I think this finance company is a rip off and should be due for false info towards and making me look like I jsut didnt pay stay away from this liars cheepskates
Consumer complaint received 2022-12-06
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 — Problem with personal statement of dispute
Company: LEXISNEXIS (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an 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 or Any other adverse item of information, other than 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 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PRESTIGE FINANCIAL SERVICES INC (IN)

I obtained an auto loan for a new vehicle from Prestige Financial on XX/XX/XXXX. I have made all of my payments on time, as agreed. In XXXX of XXXX I was made aware that this loan is not on any of my credit reports. I contacted Prestige via email, questioning why they were not reporting my payments to the credit bureau 's. 

XX/XX/XXXX I received a response from Prestige stating that they had reviewed my account history. She stated that my last XXXX payments were made after they had already reported for the month of XXXX and that it was scheduled to update with their XXXX credit file but she had sent a manual update to the credit bureaus. 

XX/XX/XXXX I asked which credit bureau she sent the manual update to. 

XX/XX/XXXX She stated that it was sent to all XXXX XX/XX/XXXX I replied stating that my auto loan still was not showing on any of the credit bureaus. I told them I wanted my payments reported to all XXXX bureaus with proof. 

XX/XX/XXXX Received a reply stating that they were able to see that my 'account was not reporting. ' She stated that she had sent a request to get it added back on ( was never on to begin with ) but she could not guarantee that it would be 'put back on. ' In order to find out why my account was not reporting or if the request was accepted, she suggested that I contact the bureaus. 

I am paying my loan as agreed but they are not reporting my payments as they should.
Consumer complaint received 2022-09-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

XXXX ( XXXX XXXX XXXX XXXX ) issued a {$56.00} charge on a former checking account that I had with them. The information was never received by my home address. XXXX reported this checking account balance to Experian as delinquent/ late payment WHEN IT WAS NEVER A CREDIT PRODUCT. Plus, I was wholly unaware of the mere {$56.00} charges. 

I contacted XXXX and Experian to have this debacle removed from my credit. XXXX stated that they sent a notice over to Experian stating the funds were paid in full. I disputed the delinquent/ late payment with Experian and they refuse to remove it, which has caused my credit to suffer immensely. 

In accordance with the FCRA, this creditor has violated my rights. Under 15 USC Section 1681 ( subsection 602 ), it states I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish account without my written instructions.

Under 15 USC 1666 ( b ), a credit reporting agency can not treat any sort of payment as late for any purpose.

I am asking that these negative mark be removed from my credit report immediately.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Commercial Acceptance Company (NJ)

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 : also states 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 account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX XXXX Account number : XXXX You have this account balance as {$25000.00} but the current account balance is {$24000.00} I have attached a screenshot of this account information below
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (FL)

Credit reports requested by XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX in response to my applications for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt contained these " Key factors that adversely affected your XXXX XXXX '' : XXXX. Experian : NUMBER OF ACCOUNTS WITH DELINQUENCY I have none. 

RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH XXXX % is too high? every balance except BofA ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES The only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN What delinquency? There are none, and there have been none. 

NUMBER OF RECENT INQUIRIES ON CREDIT REPORT The only inquiries have been those by potential lenders vying for this XXXX XXXX XXXX 

XXXX. XXXX : TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT What account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except XXXX ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES Again, the only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The only loans are the 3.125 % XXXX mortgage and 2.9 % XXXX XXXX XXXX XXXX. 

XXXX. XXXX : LEVEL OF DELINQUENCY ON ACCOUNTS Again, What delinquency? There are none, and there have been none. 

TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT Again, what account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except XXXX  ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY INQUIRIES LAST 12 MONTHS And once again, the only inquiries have been those by potential lenders vying for this Home Equity facility.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 reported o be removed.

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 XXXX XXXX XXXX XXXX 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! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (VA)

In accordance with the fair credit reporting act, CITICARDS CBNA XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MECHANICS BANK (IL)

on XX/XX/22 I obtained my credit report from XXXX. I noticed that there are 16 fradualent inquiries on my credit report. I contacted XXXX  to have these fradulent inquiries removed but they have not done so. I am asking that the consumer protection agency office assist me in getting these fradulaent inquiries removed. The fradulent inquiries have resulted in me being denied credit for a new auto loan and a apartment.
Consumer complaint received 2022-12-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARC Management Group, LLC (GA)

I received my letter XX/XX/2022 from my visit on XX/XX/2022 saying I owe {$330.00}. I have paid off this visit already and just now receiving more bills from that time. I should not owe anymore as I've paid everything off already. It's been almost a year and now trying to force more money out of me. I do not agree with the bills have already paid for this visit and still paid them. But this is out of hand how expensive the visit was when no procedures were done I was not even seen more that 3 minutes. Please dispute this charge for me. I dont understand how you can charge me now a year later.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

On XX/XX/22, I received an email notification from First Citizens bank of a checking and savings account opening I did not request or authorize. Per the email, the checking account ending XXXX and savings account ending XXXX. I promptly called and spoke with their fraud department and advised I have been a victim of Id theft in the past and I do have fraud alert on my credit file. They told me the accounts would be closed as fraud ; however, on XX/XX/22 received an email alert today from their bank that my monthly statement is available for view. I have XXXX confidence that the bank took appropriate action to close the accounts. Why am I receiving email alerts for the accounts reported as fraud?
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (PA)

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

They do not have my permission to report on my consumer credit report. 
I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine letters have been sent certified mail and return receipts have been received by me. 

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : 1. XX/XX/2022 XXXX XXXX XXXXXXXX XXXX. XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/2022 XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX. XX/XX/2022 XXXX XXXX