davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX XXXX XXXX XXXX - Compliance procedures- ( b ) Accuracy of report 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. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

In XX/XX/XXXX received letter stating that from XX/XX/XXXX to XX/XX/30 if i were to spend over {$550.00} i would receive 20 % extra cashback on top of what already earning. There was a ph # to call and to provide enrollment #. I called and activated it. I made sure to spend enough in XX/XX/XXXX / XX/XX/XXXX to qualify. When called back in XX/XX/XXXX to follow up on the status was told they don'-t even have the record of the letter being MAILED to me. I faxed the letter as advised. Received response in the mail claims I did not active the offer. Again called CSR to rebute but nothing. Hitting a wall. I don't even know how would i proof that i activated. I am on one-rate plan with phone company so I don't even get detailed bill. Yet feel i was cheated. Help? 
P.S. The company recently sent another invite. This time i activated it ONLINE and again today was trying to confirm and the rep did not confirm it saying she has no way to know if I activated one or not. Seems there is a issue with your activation process
Consumer complaint received 2018-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (GA)

I have come to understand that this company is not licenesed to make loans in the state of Georgia. I am also under the impression that the interest rate that I am being charges is illegal under Georgia usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that.
Consumer complaint received 2019-06-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: HOPE BANCORP, INC. (CA)

On XX/XX/2019 I closed 2 C.D. accounts with Bank of Hope. They were BOTH opened on the same day and matured on the same day and paid the same interest. When I open a new account I use a C.D. calculator independent of the bank 's calculator so that I know what I should get upon maturity. One account ( ending in # XXXX ) was very close, and as an XXXX, I know that was probably due to " rounding ''. I have no problem with this account. However the other account ( ending in # XXXX ) had a substantial underpayment of {$6.00}. 

On XX/XX/2019 I closed 1 account with Bank of Hope resulting in an underpayment to me of {$3.00}. In both circumstances I used a different C.D. calculator to make sure the numbers were correct compared to the 1st calculation I had done and the end result was exactly the same. 

On XX/XX/XXXX, when closing the 2 accounts I showed this difference to the Branch Manager, XXXX XXXX. She insisted the Bank of Hope calculation was correct in spite of the fact that 1 account ( ending in # XXXX ) agreed with the independent calculator and # XXXX was off. There is something wrong with this picture!
Consumer complaint received 2024-10-20
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. (FL)

Upon checking my personal EXPERIAN account, I realized that I have incorrect information in my credit report. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. There is a record of late payments and that is not correct. 

According to consumer protection, EXPERIAN is violating the following laws : 1. According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

5. It should be noted that the dates on which the alleged late payments are being reported coincide with the date on which the covid-19 pandemic began, violating a very important law which is the ''The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( 2020 ) '' The dates on which the incorrect late payments appear are described in each account as follows : Account # XXXX dates : XX/XX/year>, XX/XX/year> and XX/XX/year>. 

Account # XXXX, date : XX/XX/year>. 

Account # XXXX, dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 

Account # XXXX, dates : XX/XX/year>, XX/XX/year> and XX/XX/year>. 

EXPERIAN must respect consumer protection laws and assume its responsibility to take care of citizens and not take advantage of wanting to benefit from inaccurate information.

This is not the first time I have tried to contact experian and they have not shown any interest in resolving the errors they are making and are affecting my credit history.
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

Several months ago, I had credit cards lowering my balance and marking me late. I fought it and submitted payment, and. XXXX XXXX never paid while living in marital home, I uploaded decree, they clearly dont care I do not owe XXXX in mortgage I have a small equity loan of {$30000.00} left from {$80000.00}. Problem with XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX, We hired an investigator which I paid for his belongings where there until XX/XX/2016.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have requested multiple times for this account XXXX to be investigated properly with the original creditor and I'll I get is a response that the " data furnisher '' has verified the account. Yet the account being reported does not have any information on who the creditor is? Contact information? On some of my request I have asked who and how the account was verified to make sure it was not dont through what is known as the XXXX system or similar to it which does not constitute proper validation. I have also requested if the Reporting Agency XXXX  has HIPPA release to hold such information since it is a medical account and again have failed to provide such, I will also follow a complaint with HHS.gov
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX is a closed account. It was paid in full and should show in good standing and paid off. This account WAS NOT charged off. It was paid in full and closed. 
However, the reporting date is showing XX/XX/XXXX and it should be XX/XX/XXXX. The date shouldn't have changed at all and this is affecting my credit age. Please correct this information.
Consumer complaint received 2019-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted several requests to transunion credit bureau that the following inquiries were not authorized by me. They did nothing and the inquiries still remain. I did not authorize these inquiries and would like them removed XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-10-21
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. (AL)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2019-06-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

In the mid XX/XX/XXXX I opened a CD Account with Wells Fargo, I deposited {$10000.00}. I never touched it. I received my monthly statements up until XX/XX/XXXX give or take. I didn't pay much mind to it with everything becoming paperless. When I inquired about my money a couple of years later I was informed the account could not be located, my money disappeared. I have inquired in so many bank branches for so many years and its always the same answer ( NO RECORS, AND THEY DONT KEEP ANY PAPERWORK OR INFORMATION AFTER SEVEN YEARS ). I already inquired with the State of California 's Unclaimed Property they have nothing on file as well.
Consumer complaint received 2024-10-21
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. (MS)

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (PA)

Called TD bank on XX/XX/2019 @ XXXX spent on hold for approx. 20 min to talk to a rep named XXXX from call center XXXX Maine who I advised that I can provide my SSN number to access the account. XXXX advised that certain security questions would need to be answered in order to assist over the phone, all questions asked were accurate and complete however XXXX still flagged the account as unverified and refused to assist advising that I would need to go to the bank for assistance. XXXX refused to assist any further at which point I asked to speak to manager who also advised on me having to go to the branch for assistance. The supervisor who took the call would not give complete name and simply said her name was XXXX from call center in XXXX XXXX. NJ. TD bank is self advertised as being a very convenient bank however it has been very inconvenient to me as the customer with very limited time and patience to visit a local branch.
Consumer complaint received 2018-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (GA)

I have come to understand that this company is not licenesed to make loans in the state of Georgia. I am also under the impression that the interest rate that I am being charges is illegal under Georgia usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

My complaint is against Macys/DSNB. I had a medical hardship back on XX/XX/XXXX so late payments were reported on XX/XX/XXXX and XX/XX/XXXX( 60 days late ) from Macys Account # XXXX, Opened Date XX/XX/XXXX. I submitted a dispute with Macys on XX/XX/XXXX, kindly asking those late payments reported to  XXXX, XXXX and XXXX  to be removed because of my health situatuion due to my age. I did have the money to pay, but I was at the hospital so it was not possible for me to do it. They requested some documentation so I did send my medical certificate that proves that I was at the hospital when the late payments happened. However, the XX/XX/XXXXcredit reports for all three credit bureaus are still reflecting the late payment history on the mentioned account. I want the late payment history to be removed as soon as possible from my credit reports, if this does not happen, I will take legal action against Macys. Thank you.
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Ok so sometime last year my Bank of America checking account was closed due to fraudulent activity ( in the amount of {$22000.00} ) that wasnt me. Because I lost my wallet with my account PIN number in it. I didnt file police report because i knew it wouldnt help get my belongings back. I tried to dispute it through my bank at the time but they denied my claim and ever sense then Ive been restricted from opening up any other bank account. I called Bank of America recently but it was no help. I really need this to be taken care of because I need to be able to have a real bank account. I cant wait 5+ years for it to be taken off.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2019 I received a review copy of my credit report from Experian after I requested a investigation. The results from that investigation showed that experian had deleted a chapter XXXX bankruptcy. On XX/XX/2019 I reviewed my credit report online from experian which showed the bankruptcy had been replaced back on my credit file. Per section 609 of the FCRA once an item is deleted without evidence of signed documentation an item can not be placed back onto a consumers credit once deleted. Why was this put back on after being deleted?
Consumer complaint received 2024-10-21
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. (MI)

On XX/XX/year> I disputed a collection account XXXX XXXX XXXX account number # XXXX with experian inaccurate original balance experian asure the information was accurate... explain how the original balance is XXXX and experian is reporting the original balance as XXXX these two figures don't not match ... this is inaccurate reporting and needs to be removed.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

Bloomingdale 's may have violated the Equal Credit Opportunity Act ( ECOA ). 


This is made clear by their having denied my application on the sole basis of the " number of credit bureau inquiries '' on my credit file and further exemplified by their clear dismissal of my reconsideration letter. In the aforesaid letter, I had made it clear to Bloomingdale 's credit services that it had come to my attention after receiving their " denial letter '' that there were a number of unauthorized pulls on my credit file, which I then brought to the attention of XXXX, who after investigating the matter, ruled in my favor and promptly deleted the unauthorized inquiries. 

Since it was expressly clear that the inquiries were the alleged reason for their denial, it lead way to a reasonable inference that if this was rectified, that Bloomingdale 's would thereafter extend credit to me as the reason for the inquiries on my file were not to a fault of my own. 

Yet, I have not heard from their credit service department and they have refused to discuss this further with me over the phone when I called. It is clear to me in the way they have addressed me over the phone ( with such disdain, even mocking my name as it was not a novelty for them in their rejection pile ) and in ignoring my correspondence, that they are clearly discriminating against me.
Consumer complaint received 2019-06-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

I sent in my disputes to all three credit bureaus on XX/XX/16. They did not send anything in the mail to me about my disputes. I sent out some more for the same disputes on XXXX letting them know it has been longer than 30 days and they have to delete my disputes thats on my credit report. 

**This complaint is for my first set of disputes that they have yet to respond to. Please let the credit bureaus know this. I have sent out a second round of dispute but that does not allow them to extend the investigation. That is a violation of the FCRA