davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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: CITIBANK, N.A. (NJ)

I am filing a complaint against MACY 'S for breaking my consumer rights. MACY 'S shared my personal financial information with other companies, including banks and credit reporting agencies, without giving me the chance to opt out. This violates both Federal ( Gramm-Leach-Bliley Act ) and New Jersey State laws ( NJCFA and NJ Identity Theft Prevention Act ). I told MACY 'S that I did not agree to them sharing my private information, but they claimed their privacy policy allowed it. However, their policy does not override these laws. 

XXXX XXXX XXXX is listed as the current creditor on my loan, but I never signed an agreement with them or gave MACY 'S permission to share my information with them. I asked MACY 'S for detailed information about my loan, including proof of who funded it, but they only sent a copy of a promissory note, which is not related. This raises concerns about violations of the Truth in Lending Act ( TILA ). 

MACY 'S also ignored my request to send all mail to a specific address and continues sending mail to an inconvenient address, which invades my privacy. Sharing my information without consent amounts to identity theft under Federal law and violates other laws meant to protect my rights. 

The promissory note violates several laws, including TILA and UCC, making the contract void and unenforceable. MACY 'S and XXXX may owe me damages for breaking these laws, including the XXXX, the NJ Identity Theft Prevention Act, FCRA, TILA, XXXX, and COM.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (GA)

To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/scrub> 2024 ) Case Number : XXXX ( Dismissed on XX/XX/scrub> 2024 ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within 24 hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (MI)

In my dispute with Early Warning Systems ( EWS ), they have violated several provisions of the Fair Credit Reporting Act ( FCRA ). Despite my request for the removal of inaccurate, incomplete, and outdated information, EWS failed to conduct a proper reinvestigation or correct the inaccuracies. Under FCRA 611, they are required to investigate and either verify or remove disputed information within 30 days, which they did not do. Additionally, they failed to notify the furnishers XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ) about my disputes within the required five business days, violating their reinvestigation duties. 

EWS also failed to maintain accuracy as required by FCRA 607 ( b ), by reporting accounts from these banks without verifying them with me. I have no knowledge of ever conducting business with these institutions, and the information they are reporting does not match my actual identity documents. EWS further failed to request adequate documentation from the banks before reporting these accounts, showing their failure to ensure the accuracy and verifiability of the data they are reporting. 

This lack of verification raises concerns about potential identity theft or a mixed file, where someone else 's accounts may have been erroneously added to my report. Despite these serious issues, EWS has not taken the necessary steps to correct or remove the inaccurate information. I request that EWS furnish actual proof that these accounts were opened by me, including legitimate documents that can be verifiednot fabricated, altered, or fraudulently signed by someone other than me. I am filing this complaint with the CFPB to request that EWS delete these erroneous accounts and comply with their obligations under the FCRA to ensure the accuracy, completeness, and verification of all reported information.
Consumer complaint received 2024-10-07
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: CITIBANK, N.A. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-09-04
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. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (LA)

I, XXXX XXXX XXXX, am filing a dispute due to incorrect information on my credit report. I would like set the record straight. Please see details below : I received a copy of my credit report and am disputing an item that needs to be deleted. I have listed the account, the opening date, and account number below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : Original : XXXX XXXX XXXX XXXX Debt Collector : SOURCE RECEIVABLES MNG_ XXXX. 
According to the provisions of the Fair Credit Reporting Act 15 U.S.C 168i these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. XXXX XXXX XXXX XXXX a failed to properly notify me which violates the Right to Notice.This is covered under UCC 9-611, which requires the lender to notify the debtor and before selling the collateral. At the time of the leasing an identification card to verify my identity was produced, which XXXX XXXX XXXX XXXX and/or SOURCE RECEIVABLES MNG should have in there possession. I will provide a copy of my Drivers License associated with me. I request that XXXX XXXX XXXX XXXXXXXX and also produce a similar copy to my Identification card. To comply with Anti-Fraud Laws : Under the XXXX XXXX and other anti-fraud regulations, businesses, including leasing, are required to verify the identities of their customers to prevent money laundering, terrorism financing, and other illegal activities. This is part of the Know Your Customer ( KYC ) regulations. XXXX XXXX XXXX XXXX, was in breach of contract to add an unauthorized grantor, which voided the contract when they added an unauthorized guarantor to the lease. If XXXX XXXXXXXX XXXX XXXXXXXX and SOURCE RECEIVABLES MNG do not prove that only I was on the lease, I ask that they remove all collections of debt and accounts from all reporting agencies as this has hindered my abilities to gain financially. I also ask for the entire amount to be redeem of {$9800.00} in a settlement check send to the address below from SOURCE RECEIVABLES MNG who is liable for my damages. In your investigation results please provide the names, addresses and telephone numbers of individuals you contacted during your investigation Thank you.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-09-04
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TRUSTMARK CORPORATION (MS)

The insurance company that was available for me based on my budget was rescinded once documents was in place the insurance company underwriter ruled us ineligible for insurance based on the condition of the home it was because of Electrical and Plumbing problems I have attempted to get this resolved but been ignored I recently filed a complaint with the realtor association I was advised that my complaint was with the bank and the appraiser the representative from the insurance company came out once we the loan documents was completed we moved into the home not knowing whether or not the insurance would be accepted I feel that the process of the loan being close should have been on hold pending the insurance inspection but the day we where in the home a few days after the loan originator had me signing the documents the insurance company sent someone to the home and a few days later we got a letter and a Email stating that we where ruled ineligible for insurance and this was an FHA loan and now because of this problem I have Electrical Problems and Plumbing issues there are many problems with this home my credit is damaged because of the Electrical issues I have 15 feet of water these problems especially with the denial of insurance created the problems for me it is leaking water real bad I have video and proof of these issues nobody is trying to help me the loan was close without any insurance and the bank for me to take there insurance because I didn't have any it's not fair when I inherited these problems and the underwriter rule us ineligible because of the condition which the underwriter listed the pics o have attached pr water damage from the issues stated in the rescinded policy it actually is worse than that I have pic documents.
Consumer complaint received 2024-10-10
Product: Credit 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 (TX)

I opened a new Skypass credit card on XX/XX/year>. The advertisement of the credit card noted that I will receive XXXX sign-up bonus miles once my spending reaches {$4000.00} within 3 months after opening the account. I spent more than {$4000.00} within 3 months, eligible for receiving the promised bonus miles. However, as I did not receive the sign-up bonus miles, I contacted the card company to resolve this issue. They verified I did not receive the miles. The letter from the credit card company states, We are unable to process this request because existing or previous SKYPASS Visa Signature cardmembers are not eligible if you have received a new account bonus for this product in the last five years, which is their new policy. There wasn't this policy when I opened the new credit card. If there were this policy at that time, I would not have opened this new card. While I opened a new credit card from this company before the new policy was implemented, they retrospectively applied the new policy to me. This is a problem.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past XXXX months, I have consistently reached out to your company about this matter and I haven't gotten any response.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (WI)

A third party deposited a check in my account on XXXX at around XXXX. I checked on XXXX and there was a hold on the funds. On XXXX, XXXX ) the hold was still in place. I contacted US Bank and was told that since it was a new account ( account was opened in XXXX ), there was a hold placed on the funds. 

This deposit does not breach the threshold for a large deposit, being only {$2900.00}. Additionally, the account is older than 30 days, so is not a new account. I asked for partial fund availability, which they denied If an exception to the normal schedule was exercised a notification should have been sent, per 12 CFR 229.13 g 1 i. The bank has multiple methods to contact me, email, online banking notification area, phone/text, and my address. I have not received a notification. 

I told customer service that, as no notification was given, this a hold beyond two days is unlawful and asked for full fund availability. I was told they had no official mechanism to remove the hold and I would need to wait for the hold to be removed on XX/XX/XXXX. The only recourse was to go in person to a bank and speak with a bank manager. It being late on XX/XX/XXXX when offered this option, I could not reach a bank to exercise this option. 

Summary : This hold seems frivolous, and in any case, notification should have been sent. With the duty to notify failed, when notified of the failure, they should have made funds available.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC (NY)

BHG Financial has intentionally and incorrectly posted applied principal payment based on my monthly payment instead of the date that the actual principal payment was received, by doing so BHG is accruing additional interest instead of reducing my interest payment.

This is a deceptive practice which is causing me to pay unnecessary and additional interest payment.
Consumer complaint received 2024-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (FL)

I, XXXX XXXX, submit this formal complaint regarding Upgrade 's refusal to properly credit my personal loan account after the tender of payment was accepted. In accordance with the Uniform Commercial Code ( UCC ) 3-603 ( b ), a payment made via a negotiable instrument, such as a bill of exchange, once accepted by the creditor, constitutes full satisfaction of the debt. 

I sent three separate letters, accompanied by tender of payment, in compliance with federal law. Upgrade accepted these payments but has refused to credit the account balance or discharge the debt. This behavior constitutes a breach of contract, a violation of fiduciary duty, and a fraudulent practice under federal law, including the Truth in Lending Act ( TILA ) and the Securities Act of 1933. 

Supporting case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, establishes that once a negotiable instrument is accepted as payment, the debt must be discharged, and failure to do so is a breach of fiduciary duty and contract. Moreover, Upgrade has violated my rights under 31 U.S. Code 5118 ( b ) by failing to honor the legal tender provided for the satisfaction of the loan.
Consumer complaint received 2022-09-19
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)

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 


I AM SHOWING 5 INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES? 

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2024-09-04
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MD)

My name is XXXX XXXX and my XXXX and wallet was stolen. I had a Apple Card issued by Goldman Sachs someone used my card fraudulently on XXXX XXXX for XXXX this amount was charged twice and only refunded once. Apple kept putting the charge back on my account then closed my account after I kept disputing the charge.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. 
It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. 
I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.