davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

Dear Sir/Madam, I am writing to formally submit a complaint against HSBC regarding the unjust closure of my accounts. HSBC has closed my accounts without providing a clear or legitimate reason and referenced terms in a hyperlink-controlled document that was neither reasonably presented nor clearly disclosed at the time of account opening. This situation has caused significant financial harm and raises serious concerns under U.S. consumer protection laws.

Details of the Issue : Bank : HSBC Bank USA XXXX. 
Account Types : personal savings, checking, investment, credit cards Date of Closure Notification : XX/XX/year> Reason Provided by HSBC : HSBC has consistently refused to provide any specific reason for the account closure, stating that they reserve the right to close accounts at their discretion, as indicated in a hyperlink attached to the original contract. This clause was not adequately disclosed or highlighted when I opened the account. 

Relevant Legal Concerns : 1. Lack of Clear Contractual Terms : HSBC has indicated that the right to close accounts without reason is detailed in a hyperlink found in the online version of their terms and conditions. This clause was not adequately disclosed or highlighted when I opened the account. According to 12 U.S. Code 5531 ( Unfair, deceptive, or abusive acts or practices ), it is unlawful for financial institutions to engage in unfair or deceptive practices, including burying significant contractual terms in hyperlinks that are subject to unilateral modifications by the bank without proper disclosure or customer consent.

2. Unfair and Unreasonable Contract Terms : The clause HSBC refers to effectively allows them to close accounts without explanation, and because the clause was hidden in a hyperlink-controlled document, which can be modified at their discretion, it denies customers the opportunity for informed consent. This violates the principle of fairness under the Truth in Savings Act ( 12 U.S. Code 4302 ), which requires that all terms of a banking contract be clearly and conspicuously disclosed at the time of account opening. The failure to provide a clear, stable, and unmodifiable contract term undermines my ability to make informed decisions and contradicts federal regulations mandating transparency. 

Impact on Me : I have lost access to my funds and accounts without any clear reason or warning, significantly disrupting my personal finances and business activities. 
HSBCs refusal to explain their decision prevents me from addressing or rectifying any potential issues. 
The lack of transparency and fairness in their contractual terms has eroded my trust in their services and damaged my financial standing, possibly affecting my ability to open accounts elsewhere.
Consumer complaint received 2024-09-05
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. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-05
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helpingme due to XXXX XXXX XX/XX/XXXXdebt bondage, which falls under XXXX XXXX according to XXXX XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). Ikindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit ReportingAct. I am a victim of human traffi cking of Debt Bondage and would like for all listed accounts to be blocked and deleted. Please delete thefollowing accounts. XXXX XXXX bal. {$3400.00}, XXXX XXXX. {$6300.00}, XXXX XXXX. {$11000.00}, XX/XX/XXXXXXXX bal. {$5200.00}, XX/XX/XXXXXXXX bal. {$2400.00}, XX/XX/XXXXbal. {$3900.00}, XXXX XXXX bal. {$3900.00}
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-05
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. ()

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNKNOWN ACCOUNT # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-05
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. (LA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX  XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX CARD XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Consumer complaint received 2024-09-06
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management Account XXXX XXXX is reporting on my credit report in the amount of {$530.00} that I do not owe to them. I have requested information pertaining to the debt and have yet to receive any documentation validating debt and said amount. This negative remark on my credit report has impacted my ability to obtain credit.
Consumer complaint received 2024-09-05
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. (CA)

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (LA)

This company has been reporting inaccurate information to all three credit bureaus. On my XXXX, XXXX, and XXXX report they are reporting late payments for the year of XXXX. This account has been closed since XXXX. By my FCRA rights a creditor does not have the right to report a closed account as late. If the account is closed nothing can be done to the account. This company is the worst company I've ever dealt with. They are known for reporting inaccurate information. I would like for this whole account to be deleted due to the discrepancies I have investigated and found on all three credit bureaus reports.
Consumer complaint received 2024-09-06
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. (FL)

My credit score has dropped tremendously yet again due to this collection account which has changed ownership now twice. The original creditor is XXXX XXXX XXXX  on XX/XX/XXXX the collection was sold to XXXX XXXX XXXX in which that company violated my consumer rights and broken many FCRA laws and therefore the collection account was deleted by XXXX XXXX XXXX. The documents of that deletion is uploaded as well. Currently as of now once again my credit has gotten penalized by another debt collection agency named XXXX XXXX XXXX as of XX/XX/XXXX. XXXX XXXX XXXX was sold the same identical information from the previous debt collector. I have no contract or obligation to XXXX XXXX  for this account as already been settled. Now this previous debt is currently reporting on all three credit bureaus damaging my credability. I truly believe this is illegal and a frivolous business practice of penalizing me multiple times by the same collection. I'm requesting that XXXX delete this prevously deleted account frommy credit report and cease all communication and reporting.
Consumer complaint received 2024-09-05
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. (CA)

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-09-06
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. (KS)

My account with EXPERIAN 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 ( 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. 


EXPERIAN 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-05
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. (CA)

I recently discovered several accounts on my credit report that I do not recognize, which suggests potential identity theft. I believe my personal information has been used without my consent. The fraudulent accounts include : XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$400.00} XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$330.00} XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$31000.00} Despite my efforts to secure my information, these fraudulent charges have caused significant damage to my credit standing. I am seeking assistance in removing these fraudulent accounts from my credit history and preventing further misuse of my personal information.
Consumer complaint received 2024-10-24
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: SYNCHRONY FINANCIAL (IN)

Dear Sir or Madam : I am a victim of identity theft or fraudulent activities. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Given the circumstances, I believe that the following hard inquiries should be removed, blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

* SYNCB/Amazon ( bank ) XX/XX/XXXX * SYNCB/PayPal ( bank ) XX/XX/XXXX * XXXX XXXX ( bank ) XX/XX/XXXX * A copy of section 605B of the Fair Credit Reporting Act, which requires the blocking of the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO. (MA)

I leased a new car in XX/XX/XXXX for a 39-month term and returned it in XX/XX/XXXX. Throughout the lease, I made all my payments on time without any missed deadlines. Upon returning the car to the original dealership, I was pleased to hear that it was in excellent condition with low mileage. Everything was in order, and no additional steps were needed.

However, after the lease termination, I was surprised to discover that late payments were appearing on my credit report. This was particularly concerning as I had consistently made all my payments on time throughout the lease period. To resolve this issue, II reached out to the leasing company to contest the inaccuracies I encountered. An agent informed me that it was classified as a " return fee. '' I was unaware of this fee, and I have made all 39 payments promptly
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: EQUIFAX, INC. (GA)

The account is furnished to XXXX XXXX XXXX as reported 30 days late as reporting is trafficking my financial assets which violates FCRA 605C, all other accounts with XXXX  are restricted from use also as debt bondage. Auto loan was paid in full when check {$21.00} was submitted with instructions if cashed by XXXX  on XX/XX/year> pursuant to o.c.g.a 13-4-101.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.