davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST (AZ)

my husband received a check for approx. {$22000.00} from and inheritance recently in the form of an official cashiers check. I took the check to our Bank ( Bank of the West ) in XXXX, AZ and I was told that the funds would not be available for at least XXXX business days. I was told that {$200.00} would be available immediately, then in XXXX days {$4800.00} would be available and then in XXXX business days the remainder. I asked why that was since it was an official check. They said that there was nothing that they could do and it was just the way it was. I have since looked up the law and see that the funds should have been available the next day. I wanted to alert you to this situation. Thank you, XXXX XXXX.
Consumer complaint received 2015-11-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (WI)

Today I went through an automated system for my care credit account to see if I qualified for a credit line increase. In the past a hard pull credit check has not been required. When I went through the automated system it never stated or asked for my permission to request a credit check. Shortly after going through the automated system I got an alert from XXXX stating that Synchrony Bank had performed an inquiry on my credit report. I called them right away and told them that I did not authorize the inquiry and I wanted it removed. They indicated to me that they did not need my permission to pull a copy of my credit report. According to the Fair Credit Reporting Act they must notify me that a credit report will be pulled in conjunction with requests for credit. I let them know and they said that it was not true. I asked them to remove the inquiry as I would have never requested a limit increase if I would have known it would have been a hard pull. They refused.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (PA)

XXXX has been calling me over XXXX times every day, they say they are the Reauthorization Dept, I have paid the value pays but they continue to call me. At XXXX point they had turned my account over to collections at XXXX, so I then called them and made a payment to fix this issue. XXXX continues to call. I make payments to my XXXX credit card/Synchrony Bank and make more than the amount due monthly. My credit card is not behind in payments. I am making payments on this credit card, and payments to XXXX XXXX and to XXXX. I am not behind on my bill! I am really tired of XXXX telling me that I am and I want the phone calls to stop.
Consumer complaint received 2015-12-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I took out a loan with advance financial under the impression that I was taking out a signature loan only to find out later I was put into a loan that would never pay off. The terms of the loan were not fully disclosed to me. I feel that full disclosure was not given to me
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account was never late! I have had exceptional payment history 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 to be updated. 


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


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


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


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


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


Update the late payments from my consumer reports
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

First contact was via phone on XXXX/XXXX/XXXX to inform them that I was denied a credit line XXXX XXXX, XXXX and that I have pulled my reports from all three bureaus to find fraudulent accounts opened in my name that are now derogatory. They instructed me to fax the documents to XXXX. 
I faxed the following documents : FTC ID Theft Fraud Affidavit City of XXXX Police Report I contact Equifax on XXXX/XXXX/XXXX to see if they have received the documentation. They informed me that they have not received the documents. I asked the rep to confirm the fax number to ensure I had the correct fax number. The rep confirmed it to be correct. I told the rep I 'd fax the documents again. 

I waited a few days an called Equifax on XXXX/XXXX/XXXX. They confirmed that the documents were received and that they started processing on XXXX/XXXX/XXXX. The rep gave me a confirmation number and told me the process can take up to 30 days. 

On XXXX/XXXX/XXXX, I received an email that the processing was completed. I reviewed everything to find that the XXXX Account ( Mortgage Fraud Account ), a few addresses, and inquiries were not removed. 

I immediately contacted Equifax to find out why and when speaking to a rep I found out that they are are still processing it. She insisted I contact XXXX. I explained to her that I did and found out they do not have a fraud department nor would provide me with the lenders direct contact information. 

I then sent certified mail with return receipt to Equifax on XXXX/XXXX/XXXX which contained a letter to update my personal information to the correct information, block the fraudulent accounts, remove inquiries due to fraud ID theft, to inform all creditors that issued credit in the past year that I am a victim of fraud and ID theft, and to remove me from all promotional mailing lists. The letter included the following : A copy of my passport ( Govt issued ID ) A copy of my car insurance statement ( To verify my address ) A copy of the FTC Fraud ID Theft Affidavit A copy of the Police Report A copy of the FCRA I did this to ensure that they had all documents to perform all the things requested and to understand that it is my consumer right to request this. 

Equifax received letter on XXXX/XXXX/XXXX. 

I called Equifax today, XXXX/XXXX/XXXX, to get an update. The rep told me that the items were removed. I told her I had an Equifax membership for unlimited report and score. I pulled a new report and score while she was on the phone. I explained to her that they fraudulent information is still there. I also explained to the rep that it 's been over 30 days and that TransUnion received the same documentation and was able to rectify the errors on the report immediately. The rep then offered an a promo code to purchase all three reports and scores at a discounted price to get exactly what is sent and seen by creditors. I declined the offer and hung up.
Consumer complaint received 2024-10-18
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. (NJ)

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im a victim of identity theft, some how my information got out. And was used to get Auto loans. Due to the FCRA, any fraudulent accounts must be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All fraudulent accounts which i did not authorize. Please block and remove accounts
Consumer complaint received 2024-08-14
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. (TN)

My account with 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 in those account to 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  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 2024-08-14
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. (LA)

XXXXXXXX XXXX XXXX sold my account to XXXX XXXX as a charge off account. According to 15USC-16802 obligation to disclosure of personal information ( creditors have to get permission to share your info with a third party ). I have never given my permission to have this shared with a third party.have requested both the 1099c and debt validation letter. I have disputed this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. Attached is also the dispute filing that comes bank verified within 24hrs of filing a dispute how can it return so quickly its like it is an automated response to my dispute. I have also attached proof of certified mail sent to XXXX and I've gotten no response. 

Violations 15-USC-16802 15 -USC 1681 eb
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (KY)

After we provided XXXXXXXX XXXX our credit information the Bureaus sold our information to multiple people for mortgage products and insurance information. The companies have contacted my wife and myself approximately 7-8 times already in less than 24 hours to our cell phones which are supposed to be on a no contact list. The companies are not identifying themselves and not letting us know how they got our information. I don't know how safe my personal data is at this point at if the necessary protection is out there to keep it safe.
Consumer complaint received 2024-08-14
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. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-18
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. (VA)

For the past several months, my credit report has shown multiple unauthorized inquiries that I did not approve or initiate. I have contacted the companies responsible for these inquiries but have not received satisfactory resolutions. I am now seeking the removal of these inquiries from my credit report as they negatively impact my credit score and were made without my consent.
Consumer complaint received 2024-08-14
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. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to 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.

This company 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

In according to the Fair Credit Reporting Act ( FCRA ), credit reports must be accurate and complete. As a consumer, I have the right to expect that my credit report will reflect my credit history in a fair and accurate manner. Pursuant to 15USC16811 ( 5 ), I am requesting that you investigate and correct the errors found in my credit report. This section of the FCRA states that " if the accuracy of any information in the file of a consumer maintained by a consumer reporting agency is disputed by the consumer, the agency shall reinvestigate free of charge and record the current status of the disputed information. " I have reviewed my credit reports from the three major credit agencies ( Experian, XXXX, and XXXX ) and found that the following accounts contain inaccuracies : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : The reported amount lacks accuracy in all three credit agencies. - Last Verified : The reported date lacks accuracy in all three credit agencies. - Date of Last Activity : The reported date lacks accuracy in all three credit agencies. - Date Reported : The reported date lacks accuracy in all three credit agencies. - Date Opened : The reported date lacks accuracy in all three credit agencies. - Closed Date : The reported date lacks accuracy in all three credit agencies. - Account Descriptions : The account description lacks accuracy in all three credit agencies. - Creditor Type : The reported creditor type lacks accuracy in all three credit agencies. Payment Status : The reported payment status lacks accuracy in all three credit agencies. - Creditor Remarks : The creditor remarks lack accuracy in all three credit agencies. - Payment History : The reported payment history lacks accuracy in all three credit agencies. Additionally, I have found that the following accounts contain the same inaccuracies : - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
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. (NC)

Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 
This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files