davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-10-15
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. (VA)

I recently received a response to a dispute that I made under FCRA 809 ( B ) regarding the validation of the below accounts which you show as validated and belonging to me and further updating on my credit file. I also see that inaccurate personal information still remains reporting inaccurately.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence with any parties. Please include all names and contact information of the person ( s ) that you spoke with as part of your investigation.

I would like to request that you please do not send me a template letter in response to this request as I am in the process of planning a legal case, so I need specific answers to the questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record.

Thank you for your prompt attention in this matter. I very much look forward to getting this resolved as soon as possible.

Social security number you are reporting is inaccurate you have it ending in XXXX and my social is XXXX, you are reporting inaccurate information and thus are reporting inaccurate accounts! 
Address reporting inaccurate are : XXXXXXXX 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 XXXXXXXX XXXX XXXX Any inquiries not associated with an account are inaccurate and unauthorized.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I received a letter from JP Morgan Chase Bank dated XXXX XXXX. The letter stated that my checking ending in XXXX, and savings ending in XXXX were to be closed in XXXX  days of the date of the letter. Today is XX/XX/XXXX, I opened the letter on XXXX XXXX, and contacted Chase today. I called to see if they could prolong my closure, as i receive XXXX insurance direct deposit around the XXXX of each month. I asked the Chase representative, and she placed me on hold to inquire. Prior, to me calling in i had full access of my account. While waiting for the representatives return, i receive a text alert that my Chase account has been locked. She gets back on the phone, and tells me they can not prolong the closure to XXXX XXXX fine! I ask her " why is my account restricted? '' She then tells me its due to the letter i received. I tell her " the letter states XXXX  days, and even gives me steps on how to get my affairs in order, prior to that XXXX day. So, why is my account restricted? '' She says the " system '' placed the hold and can not remove it. Which i know is false, someone in back-office placed the hold. I have been in financial services/banking for over XXXX  years, and have worked in fraud/claims department for XXXX of those years, that is not factual. After, i state this the phone disconnects. I callback and ask to speak with back-office, i am placed on hold then dead air occurs, and i am hung up on again. I am not understanding why i received this letter outlining that i have XXXX  days to cancel auto-debits, contact merchants, transfer account balances etc, if i do not actually have XXXX days. I can not do anything with my account at the moment. I called Chase to see if they could provide an exception and all they did was make my life messy. I have rent due, a direct deposit scheduled for XX/XX/XXXX, and XXXX for XX/XX/XXXX, that i do not have access too. Not only that but i deposited a XXXX check in my savings account XXXX days ago, that i no longer have access too. This makes no sense, my account is being closed due to excessive disputes, but i received a letter that my dispute was paid and found in my favor. I have banked with Chase for years, and have a credit card through them. If XXXXase wants to terminate business with me fine, but this letter is not concise with Chase 's actions. Chase needs to rectify this and allow me to transfer my funds out, this is such an inconvenience telling me to visit a branch. I do not drive ( hence my XXXX ).
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NC)

I signed up for the Citi XXXX XXXX credit card with the agreement that if I spent {$1000.00} in the first three months I would be awarded XXXX bonus miles. I met that obligation and was awarded the points on XXXX/XXXX/15, however Cti sent those to account that was not mine and have refused to correct it saying I needed to go to XXXX XXXX to correct. XXXX told me that Citi needs to correct their error as they can not link my account to the account the miles were sen to. I gave Citi the correct fredquent flier number when i signed up for the card. In my latest attempt with Citi to correct this I was told they again sent it to XXXX and I would have to wait 30 days for a response. It has been almost two months since I was awarded the point but have failed to be credited to me. I expect the XXXX point I earned to be credited to my correct account : XXXX. I also expect Citi to make sure than any other miles I have earned are also credited appropriatly.
Consumer complaint received 2015-09-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (PA)

I took out a loan for {$2600.00} on XXXX XXXX, 2012. I paid a total of {$6100.00} to Cashcall for this loan. However, the terms of the loan were misrepresented to me. The APR was 139.12 % daily which would mean that I owed a total of {$14000.00} for the {$2600.00} loan. I would not agree to that if the terms where clearly listed and explained. They later reduced the interest to 6 % daily and now they claim I still owe {$2000.00}. I do not believe I owe this balance. Payday loans are illegal in Pennsylvania also I have already paid back the loan plus a reasonable interest rate on the loan.
Consumer complaint received 2024-10-15
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. (NY)

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2024-10-15
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. (WA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-15
Product: Credit reporting 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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2015-09-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had to take the law firm of XXXX XXXX XXXX ( debt collectors ) to court earlier this year and the court ruled in my favor. However, there was a period of years that interest rates soared and I was paying this debt off every time I got paid and have the receipts to prove that I did pay, $ XXXX/month. The last payment was late due to my diagnosis of XXXX XXXX. All through my surgery and treatment I was getting letters and threats of garnishments from XXXX XXXX XXXX. The original credit card was from Capital One Bank. Because the last payment was late, XXXX XXXX XXXX was adding interest onto the debt as well as, claiming they could now charge me not only the original amount of the card but with added interest! When I finally did make the last {$75.00} payment, in good faith I paid a double payment of {$150.00} and yet XXXX XXXX XXXX persisted in harassing me for the original amount with a huge amount of interest attached to it. 

When we went to court, we settled and it was decided that I did not owe the law firm/bank any money. My question, however, is this : for all those years of harassment and mental anguish by continually attempting to get even more money out of me unconscionably so during a diagnosis of XXXX XXXX and subsequent treatments ( as well as spousal abuse, divorce, a move and my father dying - all this in 2009 ), was XXXX XXXX XXXX 's practice of charging additional interest rates legal as well as the harassment and mental anguish I was being put through for what amounted to a mere {$75.00}?? 

The original amount of the credit card was for, I believe {$300.00}. As of XXXX, 2009, XXXX XXXX XXXX were attempting to have me pay, {$1300.00}. 

Any legal advice I received during this time was free from : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX York, NY XXXX advise and thank you for your time.
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Privacy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

CFBPI have XXXX Bank of America Credit cards linked to my checking account. 
In XX/XX/XXXX Bank of America ( I will use BofA as abbreviation ) sent me aLetter stating that I filed for Bankruptcy and they closed my accounts. I never filed BK and had no intention to file. I called them and disputed this and Bof A reopened my accounts around XX/XX/XXXX. 
XX/XX/XXXX BofA started auto dialing and text messaging me. I sent them a letter to stop doing this as it makes me have charges. They continued anyways. 
I also filed a privacy request with BofA to not share my information. BofA shared my personal credit information with their affiliates anyways. 
BofA has run my credit report XXXX times since XX/XX/XXXX a couple were on the same day. I did not give Bank of America any authorization to make credit requests on my behalf. 
Around XX/XX/XXXX Bof A closed my accounts again. I called them and disputed the closing of my accounts and they reopened. They did not tell me they were running my credit as new inquiries. 
On XXXX BofA started making calls to me from blocked numbers. They use outsourced people from XXXX and the XXXX and when I got these incoming calls the persons were aggressive asking for my social, DOB, driver 's license etc. which seemed like a scam. I now know these calls were from Bof A and this person went to great efforts to harm me. 
I contacted BofA again on XX/XX/XXXX about XXXX letters they mailed to me stating they " were denying my request '' I made no request of BofA. After several calls BofA now states they will take the hard credit inquiries off my credit profile which were unauthorized as they know I did not ask for new credit. 
BofA harms my credit score with all these inquiries, reporting me as closed accounts by the bank, and erroneous reports of 30 days late. 
I want to make a formal complaint about BofA 's unfair business practices and failure to follow privacy laws, fair credit laws, they lie and cause hardship to consumers and customers
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IN)

Company will not refund surplus, have lied repeated about what is law and policy, have harassed us consistently, an have ruin our credit, and are threatening foreclosure in spite of the fact that they have received more than required for accurate monthly requirements. The practices of this company are fraudulent, and misleading. We have consistently provided information, waited the advise time period, and 45 days later no resolution.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

About two years ago I had filed a CFPB report due to an unauthorized Hard pulled due to the Credit department promising me that it would be a soft pull. Issue was resolved, and it was promised to be removed. Also, I had a late from XXXX XXXX that I was lead to believe would be changed. Those changes never occurred. I am a year from buying another home but I moved on. 
I noticed that on XXXX/XXXX/XXXX that I had a Hard Inquiry on my credit report. I cant believe that this is happening to me again. I called the Executive Line. The lady at first attempted to dismiss me, and wanted to transfer me to the Credit Department. I told her I will not speak with them since I have not requested credit. She looked at my file, and could not determined the reason for the Hard Inquiry. She asked that I emailed her with a copy of the Hard Inquiry on my credit report. I could have done that but had a gut feeling that she did not have a genuine interest in assisting me. Also, I was just offended that I would be stupid enough to ask for additional credit when I preparing to apply for a Mortgage. 
I have theory as to the reason for the Hard Inquiry, and just wanted to see if she could figure it out. On XXXX/XXXX/XXXX, Macys, billed me for a pair of eye glasses that me and my spouse never ordered. I had to call customer services, and shockingly was informed that my account was crossed with another account. Therefore, the cost of the pair of eyeglasses was reimbursed. The Macys rep stated that that the Items were ordered by another customer in Ohio I believe. Furthermore, I think the person who added this fraudulent charges to my account somehow did the Hard Inquiry. 
I love my Macys Card because it reminds me of when me and my Mother used to shop there. However, I cant keep having those issues. 


This is a XXXX XXXX statement : ACCOUNT ACTIVITYFilter XX/XX/XXXXAll TransactionsACCOUNT ACTIVITYDATE DESCRIPTION AMOUNTXX/XX/XXXX XXXXINTEREST CHARGE $ XXXX XXXXPAYMENT THANK YOU - $ XXXX XXXXMACYS.COM XXXX NY - XXXX XXXX XXXXMACYS.COM XXXX NY $ XXXXthis is a copy of the Hard Inquiry : MACYSAddress:XXXX XXXX XXXX OH XXXX ( XXXX ) XXXXDate of Request:XX/XX/XXXXAddress Identification Number:XXXXComments : Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX.
Consumer complaint received 2024-09-19
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. (TN)

I would like to report several unauthorized hard inquiries on my credit report. The following inquiries were made without my consent : XXXX XXXX XXXX - XX/XX/year> CONSUMER PORTFOLIO SERVICES- XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/scrub>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 Date not specified I did not authorize these inquiries and am concerned about their impact on my credit score. I request that these inquiries be investigated and removed if found to be unauthorized.

Thank you for your attention to this matter.
Consumer complaint received 2024-09-19
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (SC)

I leased a car from American car center XXXX XXXXXXXX XXXX the company went bankrupt and XXXX down and sold contracts to westlake portfolio without me knowing any information and not knowing who to contact they reposssed my vehicle when I was caught up on payments without me knowing stating that I have to pay the balance in full before I get the vehicle back.i have no knowledge of this and its stuck on my report a XXXX loan that Ive been paying on before American car center went out of buisness and XXXX down
Consumer complaint received 2024-10-15
Product: Credit reporting 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: Experian Information Solutions Inc. (OH)

Experian has done nothing, they list my report as unscorable, yet I provided decades of XXXX XXXXXXXX XXXX XXXX experience. 
You can not reach any human being at Experian, it is all computer rabbit holes that lead to no where. 
They are immutable and unreachable. I tried to reach their CEO and again another dead end. 
You will never get to talk to a customer service person, because they do not have any.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (OH)

Thank you for working with me on my credit dispute. Unfortunately this is a unique situation ( atleast to me it is ) where the Barclays may not be appreciating the nuances and are going through their normal processes which don't apply to this situation. In summary. I closed my account / credit card with Barclays. I also changed my primary email address. It turns out that Barclays did not close my account and credit card resulting in a subscription charge from a third party for {$5.00} being put onto the card. Since I had changed email addresses, Barclays did not have the correct email address and thus I was unaware of the {$5.00} charge. I came to find out when a debt collector contacted me much later on that month after month Barclays was applying a XXXX XXXX  late fee charge each month and applying interest. All stemming from a {$5.00} charge from a third party after I had instructed them to close my account. In conclusion, after what feels like thousands of calls with Barclays and the debt collector, I have settled the debt ( even though I didnt do anything wrong, just want to move on from the situation ) but am now trying to tackle getting the late payment reporting off of my credit score. Barclays refuses to do any actual work and keeps trying to push me to the debt collector which isn't reporting anything to the credit bureaus. The credit bureaus have instructed me that Barclays sees the information as accurate but I can't speak with anyone at Barclays. When working with Barclays customer service they are incapable of even getting me to the right team to address this matter.
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (NC)

I am formally requesting an investigation into Equifax for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these inquiries to be made. Despite multiple requests, Equifax has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid drivers license. These unauthorized hard inquiries raise serious concerns regarding Equifaxs compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information under 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may only provide a consumer report under specific conditions, including written consent from the consumer. Any violation of this provision not only breaches FCRA regulations but also subjects Equifax to liability. Here is a list of the unauthorized inquiries that have negatively impacted my credit score and financial standing : XXXX XXXX XXXX : XX/XX/year> & XX/XX/year> XXXX  XXXX : XX/XX/year> I have not provided any entity with the authority to access or pull my credit, and Equifaxs failure to comply with FCRA regulations has caused undue harm to my credit standing. Under the FCRA, Equifax is required to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. I respectfully request that the CFPB investigate Equifaxs practices, hold them accountable for failing to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. Additionally, despite my repeated communications, including sending notarized documents via first-class mail. Equifax continues to ignore my requests, subjecting me to ongoing psychological harassment through their unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.