davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

The company keeps saying that they emailing back and forward with me through an email which is no loger in use by me. They keep telling me to login in some sort of website to get information regarding some course or class and I told them that I have not access to anything. The issue has being under investigation for more than a year and they have done nothing about this matter. I have emails where they promise to get back with me and promise to send the promissory note and they are refusing to do it.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, am writing this complaint in response to complaint XXXX. You stated that my credit report was updated and that the late payment reporting XX/XX/XXXX was removed but it is still reporting on my most recent credit report which I will attach for your reference. I will be suing Experian and XXXX if this account is not updated or removed from my credit report. Please see the attached loan payment schedule from the company XXXX and remove the account from my credit report. This account has been paid satisfactorily. You are reporting this account as 90 days past delinquent when it was only 30 days past delinquent. Your incorrect reporting caused this account to be considered a charged off account per the status on my credit report. Charge offs/ collections are removed 7 years from the date of my first missed payment. My first missed payment according to the payment schedule ( which I will attach for your reference ) was XX/XX/XXXX. This account should have been removed in XXXX yet it is still reporting. All of the payment history in XXXX is incorrect. I am sure you understand that this is a FCRA violation. XXXX has since removed this outdated and inaccurate account and I am requesting that Experian and XXXX follow suit.
Consumer complaint received 2023-11-08
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: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CXXXX XXXX Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

4.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of Inquiry : XX/XX/2023 Delete the Inquiry from my Credit report.
Consumer complaint received 2023-11-08
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)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

I have filed multiples disputes on an incorrect charge for a hotel. I first disputed it XX/XX/XXXX and then XX/XX/XXXX. On XX/XX/XXXX I was charged twice by XXXX XXXX XXXX, once for XXXX and a second for XXXX. The first was an incorrect charge on a cancelled stay, the second was a duplicate charge. The hotel confirmed the cancellation of the stay and only provided a refund for one of the transactions. I filed a dispute with Chase for the second duplicate charge and they keep rebilling me for the charge with no communication. Over the phone they said a letter was provided to me on XX/XX/XXXX and there is no such letter. I get electronic notifications and letters. 

Chase has failed to correct the duplicate incorrect charge from the vendor and failed to provide adequate communication and notice when rebilling. 

This is having a severe impact on my health and wellbeingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the impact of their negligence is severe. This is a lot of money and I need assistance with ensuring they are treating me fairly.
Consumer complaint received 2023-11-08
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)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX  XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX, # XXXX Account name : XXXX  XXXX bankruptcy dismissed # Reference number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please consider this as my formal complaint to the LOCAL FINANCE COMPANY for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
Consumer complaint received 2024-10-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP (NJ)

I bring to your attention a deeply concerning experience I had with Honda customer service while attempting to address a serious matter regarding the requesting and confirming the correct address to invoke my arbitration clause for my XXXXXXXX XXXX XXXX 

On XXXX XXXX XXXX, I contacted Honda customer service to request the correct address for submitting a formal demand for arbitration, as required by Section 26 of my lease agreement. Instead of providing me with the necessary information, I was met with threats and intimidation, being told to borrow the money or face repossession. This conduct was both alarming and unprofessional, and it did not align with the standards I expect from Honda. 

Given that these calls are typically recorded for quality assurance, I kindly request that the recordings from these dates be reviewed to verify this inappropriate behavior. I believe it is crucial to address this internally to prevent similar situations from happening to other customers. 

My vehicle was repossessed the next day on XX/XX/XXXX in an unlawful manner, and the customer service experience has only added to my concerns. As I rely on my vehicle for XXXX XXXX XXXX related to an XXXX, this repossession has caused significant disruption to my daily life.
Consumer complaint received 2023-11-17
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

On XX/XX/2023, I emailed XXXX XXXX with Lexus XXXX XXXXXXXX XXXX XXXX XXXX regarding a second unauthorized credit inquiry on my credit report, conducted in XX/XX/2023. In addition to this I also contacted the office via phone the same day to discuss the problem. The representative i was transferred to acknowledged an IT issue on their end as the cause and requested that I send copies of the credit report to XXXX, assuring me that the matter would be resolved after discussion with their IT department. However, after following up 30 days later, no action had been taken by Lexus. In my pursuit of a resolution, I contacted the XXXX XXXX, XXXX XXXX, via email and phone on XX/XX/2023, who promised to address the issue. Despite providing XXXX XXXX XXXX  with all necessary information on that day, the problem persisted without a timely resolution. As of XX/XX/2023, XXXX XXXX XXXX claims that a second credit check was never conducted, contradicting evidence from all three credit agencies. Given the adverse impact on my credit score, affecting my financial well-being and impeding my ability to secure credit, I am left with no choice but to take legal action against Lexus of XXXX for the unauthorized credit inquiry.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2023 there was a verified update to my credit report. there was nothing changed as i informed them that there was inaccurate information on my credit report. the following items should not be reporting on my credit report. 
if this account is truly a Charge Off than there should be no past due balance and there should be a monthly Charge Off being reported on my credit report. there should be No continue update the last update was XX/XX/2023. i am requesting the Method of Verification For the following dispute ( XXXX XXXX XXXX 1. Name of the Original Creditor 2. Creditor address and phone number 3. Documentation used to verify the dispute. 
I ask that Trans Union, XXXX and XXXX send to me the following information I know that the investigation was in fact conducted properly. If the credit agencies are unable to forward a response in a timely matter and/or provide XXXX XXXX with the document i am requesting immediately delete the account from my credit report. The three credit agencies has violated my rights under The FCRA
Consumer complaint received 2024-10-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NY)

In XX/XX/XXXX, I was advised by letter from the Bankruptcy Court that I owed a balance. I had to supply Mr. Cooper three years of bank statements to show payments were made every month. They " fixed '' it until I received my statement for XXXX. The amount due was more than my monthly payment. I called. I was told that I owed half for XXXX, and XXXX. I asked my lawyer for advice as I wanted to move forward with my bankruptcy. I paid it. I received my statement for XXXX - I owed the standard payment. I paid it. I received the statement for XXXX - again, amount due is more. To date, payments not applied correctly i.e. my payment for XXXX was called in on XX/XX/XXXX, debited from my account on XX/XX/XXXX and the website shows XXXX is due and now, I incurred a late fee. I continously call every month. I am beyond frustrated.
Consumer complaint received 2024-10-16
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: CITIBANK, N.A. (TX)

XX/XX/scrub>XXXX I accepted a XXXX XXXX interest promotion from Citibank. I also opened an identical account for my wife. They never honored my XXXX XXXX interest promotion. They did however honor my wifes. We have the exact same card opened under the exact same promotion. I paid all the principal off in XX/XX/XXXX ' and asked them to dismiss all the interest and fees. They would not deal with me in good faith. Supervisors and staff have hung up on me many times while I'm trying to settle the account. Citibank is ruining my credit with derogatory remarks on my credit report. Tonight they bargained with me to settle account. They stated they would remove interest and fees if I made one last payment. I made the payment and they did not honor their end of the bargain by zeroing out the account and completing the settlement. I was duped. They now have my additional funds but they never kept their end of the bargain and adjusted the account.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On Thursday, XX/XX/XXXX I received a phone call from XXXX XXXX ( phone # XXXX ) stating that they had court papers to serve to me but they couldn't tell me what the papers were about. I was advised to call ( XXXX ) to speak with someone directly from the law firm. I called the XXXX number and spoke with a XXXX XXXX  who advised me that he worked with XXXX XXXX XXXX as a mediator for civil lawsuits and my case number was XXXX. He further advised me that he was collecting an old credit card debt for Household Orchard Bank that was opened in XXXX and XXXX in XXXX due to falling behind on payments. XXXX XXXX  further stated that in the orginal contract that I signed there was a " Contractual Tolling Agreement '' in very small print that most people do not read that allows for them to collect the debt after the statute of limitations. XXXX XXXX  stated that I owed {$12000.00} but he would settle for {$5400.00}. He went on to say that if I don't contact him back by XXXX, XX/XX/XXXX then my case would go to court for the full $ XXXX. I called XXXX XXXX  back on XXXX  at the direct number given to me ( XXXX ) and left a message. I recieved a return call on XXXX, XX/XX/XXXX, however I was unable to take the call at that time. I returned his call on XXXX, XX/XX/XXXX and left another message. On Wednesday, XX/XX/XXXX I received a text from case manager XXXX XXXX stating that they were terminating mediation and serving me and my filing date is set for XX/XX/XXXX. This text stated a different case number ( XXXX ) and threatened lien on property, levy of financial accounts, wage garnishments up to 30 %, tax interceptions, and restricting my DMV license. I called XXXX XXXX and stated that he had the wrong case number and he hung up on me. I tried calling again and another man answered and when I stated I was trying to discuss a matter with XXXX XXXX, this man also hung up on me.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

This is for claim # XXXX Back in XX/XX/XXXX to about sometime in XX/XX/XXXX I had fraudulent transactions occurring on my account in the amount of about {$2200.00}. During XX/XX/XXXX to XX/XX/XXXX I was incarcerated in jail for unpaid traffic tickets. I couldn't possibly have made those transactions as I was in jail. I immediately contacted Bank of America about the fraud as soon as I was released and I became aware of the fraud. After I opened the claim I uploaded documation proving that I was incarcerated during the time of the disputed transactions proving that I couldn't have possibly made the transactions as I was in jail. Then sometime in XX/XX/XXXX the claim was denied and my prepaid account was closed. Then sometime in XX/XX/XXXX the claim was reopened by Bank of America. It has been now almost 3 years and the bank says that the claim is still under review. I call in at least a few times a month with no updates other then it's still processing. Then sometime in XXXX the bank sent me a check for {$950.00} ft or compensation for not allowing me to access the funds in question. I don't understand why the bank would even compensate me for this if they weren't going to approve the claim. I called and asked the bank why they did this and they said that was separate then the claim. But if the bank wasn't going to approve it then why would they even compensate me at all. It doesn't make sense. I have also requested all of my banking statements for my account as well as all documents pertaining to the claim. The bank is yet to provide me with any of this. Please I really need the money that was stolen from me back and I really could use it right about now to avoid becoming homeless.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX and the Department of Education are making it impossible for me lead & grow my corporation as the founder and CEO, of a SBA 8 ( a ) registered company. The company was just denied a business line of credit and credit card by Bank of America stating the reasons as delinquent student loans and limited credit profile. I paid the student loans to a {$0.00} balance and did not wait for the government to give me a free hand out forgiveness loan. I worked 365 days straight with no days off to save up to pay off the entire loan balance. Almost 5 years later, the Department of Education is tarnishing my personal character by listing erroneous information that doesnt accurately reflect my character. The Department of Education is listing my accounts as delinquent when I paid them to a {$0.00} balance. This is a clear case of discrimination in lending and a clear violation of my rights under the FCRA. How dare the Bank of America representative criticize my ability to repay one credit card with a $ XXXX balance. Yes, I have repaid my one, open installment account to a XXXX balance every month since XX/XX/2023. At the age of XXXX and still leading an active/in good standing corporation for the last seven years in business, Id say we are an ideal business to receive funding from a traditional lender. But at this point its clear to me that the real reason for being denied a business line of credit for an established corporation with no derogatory reporting and an owner with good credit is only because of my race as a XXXX XXXX.