davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
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. (AZ)

I have just learned that my identity was breached and data was hacked through Experian 's website. I have had ongoing issues with IDme.gov sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX XXXX  declined because of Fraud again and spent over XXXX  hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the dark web. I am currently in XXXX  and will be XXXX  soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( 35+ hours ), that is to XXXX  and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the Experian website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend XXXX online ( XXXX  ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.
Consumer complaint received 2023-11-01
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)

To whom it may concern, In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX 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.

The Fair Credit Reporting Act 's ( FCRA ) Section 611 allows consumers to challenge inaccurate information on their credit reports. They are reporting inaccurate information in credit bureaus regarding, they are reporting in some bureaus and no in the others ( please see pictures below ). 
- XXXX IS NOT REPORTING THIS ACCOUNT - LAST PAYMENT DATE INNACURATE IN XXXX AND EXPERIAN - PAYMENT SUMMARY AS EXPERIAN REPORTED PAYMENT ON TIME UNTIL XX/XX/XXXX, XXXX REPORT SAID ACCOUNT CLOSED IN XX/XX/XXXXXXXX  XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

SO, I RECENTLY GOT CORRESPONDENCE FROM TRANSUNION STATING THEY REMOVED THE COLLECTIONS OFF OF MY CONSUMER REPORT WHICH I AM SEEKING REMEDY FOR. THEY ALSO RESPONDED BACK SAYING THAT THEY FOUND OUT THAT THE XXXX XXXX  INQUIRY WAS MINE. I NEVER STATED THAT THE XXXX XXXX INQUIRY WASN'T MINE, BUT THAT I DIDN'T GIVE WRITTEN CONSENT FOR IT TO BE ON MY CONSUMER REPORT. I DO NOT WANT REMEDY FOR THE XXXX XXXX DELETION, BUT I DO WANT IT REMOVED AS IT IS MY RIGHT AND UNDER THE LAW NO EXPERIENCES BETWEEN THE CONSUMER PURSUANT TO 5 USC 1681a ( 2 ) ( A ) ( i ) EXCLUSIONS from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- except as provided in paragraph ( 3 ) the term " consumer report '' does NOT include - ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; PLEASE HAVE THEM FIX THIS PROMPTLY!!!
Consumer complaint received 2017-12-12
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: JPMORGAN CHASE & CO. (FL)

Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX
Consumer complaint received 2023-11-01
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: Consumer Portfolio Services, Inc. (TX)

XXXX  I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} ( Original Creditor : XXXX  ) XXXX Collection {$230.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Collection {$230.00} XXXX XXXX XXXX XXXX Collection {$18000.00} XXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX Charge-off {$510.00} XXXX  XXXX Charge-off {$12000.00} XXXX  XXXX Charge-off {$790.00} XXXX XXXX  XXXX Charge-off {$6400.00} XXXX XXXX Charge-off {$510.00}
Consumer complaint received 2017-12-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

The Honda Financial Services has given me a loan on a very high interest 5.50 %, I have a excellent credit of XXXX, even after paying them every month from XXXX 2013, they have n't reduced my interest rate and have n't reduced the payment at all. 

I have come to a point where I can not make the payments of the car anymore, I need the company officials to provide a solution.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still accouint that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX  {$0.00}
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I have disputed with Midland Funding before. I do not know what this is for and have not opened up anything in XXXX 2012. I believe that either someone fraudulently opened up an account or this may be for something way past the statute of limitations from years ago possibly. I am in the process of purchasing a co-op and I must have this removed from my credit report asap if they can not provide answers or if they are " parking '' this forever on my credit.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX. AMEX issued a credit balance refund {$1800.00} without my knowledge. A check was sent to my seasonal address where I do not receive paper mail. ( I use electronic statements ). The excuse for sending the credit balance was mandated by law. The check was never received. I contacted AMEX in XX/XX/XXXX, XX/XX/XXXX, and again in XXXX XXXX and again in XX/XX/XXXX. It is still unresolved.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Dear CFPB officer I am writing to express my deep concerns regarding a significant issue with HSBC US Bank and to request your assistance and intervention. In XX/XX/2023, I opened a checking and savings account with HSBC US, which I have been using for normal financial activities. However, recently, I received a letter dated XX/XX/2023, from HSBC US Bank, informing me that my account will be closed after XX/XX/XXXX, with no explanation or reasons provided. 

I am extremely puzzled and dissatisfied with this abrupt decision. I have been consistently following HSBC US Bank 's policies and regulations in the use of my account, and no violations have occurred. My account is an integral part of my regular financial life, primarily used for investments through platforms like Interactive Brokers and XXXX XXXX. I have always complied with relevant regulations and maintained sufficient funds in the account. Therefore, I find it highly perplexing and inconvenient that HSBC US Bank has decided to close my account suddenly.

I request the CFPB to investigate this matter to ensure that my rights are not infringed upon. I hope HSBC US Bank will reconsider their decision to close my account, as it will cause significant disruption to my normal financial and investment activities. If there are any concerns about my account activity or usage, I am willing to cooperate by providing any necessary information and explanations. 

I kindly ask the CFPB to promptly intervene and investigate this matter to ensure the protection of my legitimate rights. I greatly appreciate your assistance and attention and look forward to a swift resolution. 

Sincerely,
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have 4 credit cards with capital one, 4!! And I tried to pay them off almost completely on XX/XX/XXXX. The next day 3 of them showed the payment and the new available credit. 
The card ending with XXXX has not showed the available credit, and they said for some stupid reason they put a 5 day hold on the payment!! It has cleared the bank and in their system it has NO PENDING TRANSACTIONS!! I paid {$800.00}! And they will not give me any available credit!! I do not want this 5 day hold on this card, all the other cards didnt have a hold on them!! I want this credit available NOW.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I accidently made a payment of {$170.00} on XX/XX/2023 from closed Bank of America Credit Card XXXX instead of making it to the open card XXXX I have with them. Why I was able to make payment to closed card with XXXX balance is beyond me? Anyways on XX/XX/2023 they made 2 transfer payments of {$170.00} one leaving me with a XXXX balance and the other a {$170.00} debit balance. The {$170.00} was moved to the open card XXXX which they gave me a credit for. On XX/XX/2023 I made the payment on the {$170.00} which of course gave me a balance of XXXX. But now on XX/XX/2023 there is another payment adjustment for {$170.00} which I never made and where or how it came is beyand me? Please note this is a closed card where I can not make payments and no payments should be made. The account never should have allowed the first mistake payment and now I am left with A XXXX XXXX because of their accounting practice. I want all this resolved immediately and do not want to ever experience this again. Please note I have a Credit Score of XXXX and always pay off my cards in advance. Bank of America needs to fix this probelm and make sure it never happens again. I am a great customer for whoever has my business.
Consumer complaint received 2017-12-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I received a call from Navient on XXXX saying my account was past due.I made a direct debit payment over the phone to them which brought my account current. I received a confirmation number and a copy of my bank receipt which evidences the payment. The representative told me the account was now current, next payment will be due in XXXX. Yet on XXXX they reported me to credit reporting agencies as delinquent. I called Navient and they lied to me saying they do n't report past due accounts until they reach past 90 days but I showed them that they reported me anyway at 60 days, even though i made the payment!! They told me they would look into it and could not explain the negative credit reporting DESPITE PAYMENT BEING MADE ONE WEEK PRIOR! When I asked them to remove it, they said only they would " look into it. '' I asked for the name of the person I was speaking to, they would not tell me, only an ID number. I asked them why this was done to me they could not explain. Because of this false reporting, my credit rating dropped 30 points. This company is so crooked!
Consumer complaint received 2017-12-12
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: AMERICAN EXPRESS COMPANY (FL)

Dear company on XXXX XXXX 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX
Consumer complaint received 2017-12-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XXXX XXXX, 2016 I visited XXXX XXXX in XXXX, OH to purchase an used XXXX XXXX XXXX. I had pre-approved financing I had obtained with my bank prior to shop for a vehicle. After we agreed to a purchase price I proceeded to give the dealer my bank pre-approval paperwork as my form of payment when the manager advised me that they may not be able to accept my private financing plus they may be able to get me a better deal with one of their lenders. I told him that I was pleased with the financing obtained with my bank ( XXXX XXXX ) and that I did n't need to check other options. The management continue to pressure and asked me if they could just run the numbers with their lenders, just to compare. I asked if it would affect my credit and they said no. I was then offered a loan with Bank of America with a comparable rate to the one I obtained plus they offered new car mats for taking taking the financing with BoA, their lender which I accepted. This year I noticed my credit score was lower than what I expected and noticed XXXX credit inquiries on XXXX XXXX, 2016 for a vehicle loan that are directly affecting my credit rating. These inquiries were done by the dealer after convincing me to check with their lenders after saying it would n't affect my score. I also learned recently that financial institutions do give dealers a commission for offering their products. Now my credit is affected because of a loan I did n't need in the first place.