davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
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. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

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

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


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

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


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


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

This account was charged off on the following date : XX/XX/2021. Since then, the account has been updated as a charge-off every month and has been paid and settled. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statues of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : XXXX : XXXX XXXX XXXXXXXX XXXX Account # : XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX  Account # : XXXX XXXX : XXXX XXXX XXXX XXXX  Account XXXX : XXXX
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (FL)

Hi, I have a lot of addresses that report on my credit, I wanted to get some help from you guys to get identify those addresses I never applied for. Those things reporting on my credit been affecting me. Because I have two credit card attached to one of those addresses that's not even mine. I'm reporting this so I can get a report to forward it to Experian so they can remove it from my credit.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (AR)

Form XX/XX/2024 I have been disputing an issue where a Credit Lender Goldmans Sacs Lowered my credit limit from XXXX to {$500.00} on my Apple card after I paid off the full balance of {$1200.00} despite no delinquencies or late payments negatively affecting my credit utilization for this account the Lender claims it was due to delinquency on my XXXX report from another creditor outside of the Apple Card account with Goldmans Sacs however after a review with XXXX customer service and printing a copy of my report, it shows no such delinquency on my XXXX report. However, the company insists their information is accurate and is only being reported from the Credit Reporting Agency XXXX I have asked for an appeal and disputed this information with the company as incorrect from XX/XX/2024 to XX/XX/2024 each month, and this company 's credit approval department continue to say the non-existent information influenced this decision.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-01-29
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. (HI)

Title 15 of the United States Code, Section 1666b, is a provision within the Truth in Lending Act ( TILA ) that outlines the rights and liabilities of consumers and card issuers in cases of unauthorized use of credit cards. Here 's a summary of the key points covered in this section : 15 USC 1666b : ( a ) Prompt Notification : If a cardholder reports the loss or theft of a credit card to the card issuer, the issuer must provide an explanation of the cardholder 's rights and responsibilities under this section. 
The card issuer must provide a written statement of these rights and responsibilities to the cardholder at the specified address. 
( b ) Limitation on Liability for Unauthorized Use : The liability of a cardholder for unauthorized use of a credit card is limited to the lesser of {$50.00} or the amount obtained by the unauthorized use before notifying the card issuer. 
If the unauthorized use occurs before the card issuer provides the written statement of the cardholder 's rights and responsibilities under this section, the liability is capped at {$500.00}. 
Practical Implications : Prompt Notification Requirement : Card issuers must inform cardholders of their rights and responsibilities when they report the loss or theft of a credit card. 

Liability Limitation : Cardholders are generally liable for up to {$50.00} for unauthorized use of their credit cards. However, if the unauthorized use occurs before the card issuer provides the written statement of rights and responsibilities, the liability can be up to {$500.00}.

Consumer Protection : These provisions of TILA aim to protect consumers from significant financial losses resulting from unauthorized use of their credit cards, encouraging prompt reporting of lost or stolen cards while providing a reasonable liability limit. 

Understanding these provisions is crucial for both cardholders and card issuers, as they outline the rights and responsibilities of each party in cases of unauthorized credit card use.
Consumer complaint received 2024-10-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

My school was involved in the borrower defense repayment settlement, and all of my federal student loans were canceled. Because the private loans I received from Navient were also given in bad faith, I requested cancellation through an application process. Its been almost 60 days and I was told that I would have a response within 30 days, not only have they not responded, but they transferred my loans to another company during this period.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (LA)

I took advantage of a balance transfer promotional offer for my Sapphire Preferred credit card with Chase in late XXXX, XXXX. For a 5 % fee, I could transfer a balance from a non-Chase credit card and pay 0 % interest on said balances until XXXX, XXXX. I called the customer service number and asked how I could pay a particular amount on this balance every month in addition to my balance with regular interest charges. I was initially told that I would see a special line on my payment page that I could enter a particular payment amount for each month. When I did not see that in XXXX, I called customer service department again and was told I needed to read my cardholder agreement for more information. So, I requested a copy of that agreement which had to be mailed to me. When I finally received it in the mail, I reached out to customer service department again because there was no clear cut answer to my payment allocation question ( The agreement contained verbiage like may and possible. ). I was told that all of the information was contained in the Cardholder Agreement and there was no way to allocate any payment amounts monthly to the special promotional balances because I owed Chase a balance subject to interest. One customer service supervisor told me that I needed to cut up my card, cease spending money, and commit to paying the balance subject to interest off as soon as possible so that I could pay off my balance transfer balances before these 0 % interest promotion expired in XXXX, XXXX. 

This practice by Chase Bank is abusive and deceptive, as there was nothing in the fine print that says you will not be able to pay any significant amount on this promotional balance and pay it off before the expiration date if you carry a balance subject to interest as well. My goal was to pay on my balance subject to interest as well as my promotional balance each month to reduce debt. Not only was I given inaccurate information by the banks representatives, I was insulted by a supervisor who told me to stop using my credit card. ( I got married last weekend. Weddings cost money. I used my card to pay for goods and services related to my wedding. This supervisor did apologize to me for saying that. ) The problem is I was planning to pay down both balances each month without knowing there was absolutely no way to do that. I would never have signed up for the balance transfer promotion had I known that Chase would refuse my payment allocation request.
Consumer complaint received 2024-10-25
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: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/year>, I requested a free annual credit report of my credit file from XXXX Consumer Solutions ( " XXXX '' ), After receiving my free annual credit report dated XX/XX/year>, I noticed inaccuracy on my credit file. This inaccuracy was then reported to XXXX by me on XX/XX/year> and an investigation was requested. On XX/XX/year>, I received XXXXXXXX XXXX results dated XX/XX/year>, from their investigation into the inaccuracy on my credit file. After reading XXXXXXXX XXXX investigation results, XXXX stated that the inaccuracy was VERIFIED AS ACCURATE. On XX/XX/year>, I requested a reinvestigation into the matter, I requested description of the procedure used to determine the accuracy and completeness of their investigation associated with my earlier dispute under FCRA 611 ( a ) ( 7 ) and required XXXX to forward all relevant information in the investigation of my dispute under FCRA 611 ( a ) ( 2 ) ( B ). On XX/XX/scrub>XXXX XXXX XXXX  I notified Select Portfolio Servicing, Inc. ( " SPS '' ) who is the company that reported the inaccuracy, of this matter as well. Both XXXX and SPS was made aware that I will be filing a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2024-10-14
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: VW Credit, Inc (IN)

Purchased car on XX/XX/XXXX. 

2 Hard inquiries resulted on XXXX reporr. 

Contacted Bommarito Volkswagen  on XX/XX/XXXX with credit report showing the two inquiries. 

Bommarito responded XX/XX/XXXX saying they can't do anything about it and to contact credit bureau. 

Call to XXXX resulted in referral to FTC and then Consumerfinance.gov to file report that XXXX will accept as documentation. 

Hence, filing this complaint report.
Consumer complaint received 2024-10-26
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: Messerli & Kramer P.A. (WI)

I received a call from the collection agency which stated they were a law firm they threatened to garnish my wages and sue me for double the amount plus attorney fees for a debt that is XXXX XXXX XXXX and for a credit card that I currently have that is in good standings. I got scared after they threatened me and set up a payment plan but now knowing that my financial information was found on the dark web this collection may be fraud
Consumer complaint received 2024-10-25
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: AMERICAN EXPRESS COMPANY (FL)

Dear XXXX XXXX XXXX, I am XXXX of your loyal AMERICAN EXPRESS CREDIT CARDS holder holding variety of them & have the above credit card. 

I had a promotional offer on the above card & as such I was to spend {$2000.00} in six months of receiving the credit card ( which I received on XXXX ) to get rewarded with XXXX reward points. 

Unfortunately due to two hurricanes Helene & Milton, back to back hitting Florida, we living in XXXX, XXXX suffered in great measure .The turmoil started initially around XXXX when apprehension about Helene striking Florida arose & panic started. 

Amex like many others are trying to help in multiple ways the Florida residents in this trying times. 

However, in my case six months expired around XXXX & I need small indulgence from you to grant me extension by one month only to be able to complete spending of {$2000.00}, to be able to receive my XXXX promotional reward points. 

I may be granted this extra ordinary one time exception in my above mentioned case, only you as CEO can possibly do it & none else. 

This would keep me happy & cement my relationship further with Amex because I would not be loosing my reward points. 

Looking forward to your urgent indulgence in the above mentioned peculiar situation. 

My above request on XXXX XXXX 2024  was declined through a phone call on XXXX, XXXX, 2024. 

I again requested as follows & made a phone call even but with no result and hence this complaint. 

" Hi XXXX, I received a call today from your office declining my request for extension of time despite all hardships we are facing in XXXX, Florida which had two hurricanes Helene & Milton back to back. 

I feel sorry for your response which is based on very strict principles in my case whereas other customers in different categories are being given all concessions. 

Please reconsider my request as a one time exception. ' However, I completed my target spending of {$2000.00} by XXXX. Nothing happened and hence this complaint for appropriate action.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I am the court-appointed guardian of my elderly friend. In XX/XX/year>, I received both the short and long order paperwork from the court, confirming my authority to manage her financial affairs. Following this, I went to all of her banks, including CitiBank XXXX XXXX XXXX, to add myself to her account as required to manage her finances. Despite presenting the court orders and explaining the situation numerous times, CitiBank XXXX XXXX XXXX has consistently refused to put me on her account. 

It is now XX/XX/year>, and my friend has lost access to her accounts, including her checking, retirement account, and safety deposit box. She no longer has a bank card and can not withdraw her retirement funds, which she depends on for living expenses as she is in her XXXX. Over the last seven months, I have repeatedly provided the necessary paperwork in person at the branch and over the phone, in some cases presenting multiple times to the same person. Ive worked with the branch manager, called customer service, and even visited two other branches, but no one has been able to resolve the issue. 

Now, the bank is threatening to close her account, which would be devastating to my friend, who has had this account for decades. Its causing unnecessary stress and robbing her of the independence she wishes to retain. I am at a loss for what to do, and the banks refusal to cooperate is preventing me from fulfilling my duties as her guardian.
Consumer complaint received 2023-11-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XX/XX/XXXX - I made a payment of {$1500.00} being payment due for XXXX and XX/XX/XXXX on the HSBC 's website. 
XX/XX/XXXX - I was contacted on phone by a customer service from the bank asking for payment to be made on the same loan account. I confirmed that I had already made payment online a few days back. The customer service representative asked that I can make over the phone since the earlier payment I made had not posted to my account. I confirmed with the representative that my earlier payment will be cancelled if I make a payment over the phone, to which the representation confirmed that the earlier payment will be canceled. I requested the earlier payment be canceled and made another payment of {$1500.00} over the phone. 
In XX/XX/XXXX, I noticed that both payments were taken from my XXXX accounts. I called back HSBC to complain and have them refund me. I was told a refund was not possible, so I agreed that the over-payment be applied to the payments due for XXXX and XX/XX/XXXX. HSBC did not do as agreed and resulted in my monthly payment due to double. Future payments became impossible as I could not make part payment. I made several calls to resolve this issue and they have tickets open as far back as XX/XX/XXXX. HSBC has not resolved the issues but rather has sent my account to debt collection, impacting my credit score negatively.
Consumer complaint received 2024-10-28
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: JPMORGAN CHASE & CO. (TX)

Date of transaction XX/XX/year> Merchant XXXX Amount {$1500.00} XXXX started a dispute with my Chase card for a charge by XXXX for XXXX XXXX, a hotel located in XXXX XXXX in XXXX. The hotel refuse to refund my charge without insurance although their policy states in case of a hurricane, refunds are allowed. ( picture of part of policy attached ) XXXX XXXX hit the same weekend of my booking and flights were not allowed into the country. Chase.com investigate but said too much time pass from date of dispute so the merchant is not required to credit me back, although i started the dispute months ago. I felt the result was not justified as i did not get any service for the charge and it was due to a major disaster that we had to cancel and they should be more understanding since it was such a huge charge. Please consider my case and reinvestigate as their hurricane policy is on their website. 

Thank you!
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (OH)

I took out a loan for {$1000.00} to pay back while I got my finances caught up and realized that my interest accounts for more than half of my original payment! I am XXXX payment away from paying off the original amount that was deposited to me but my account says I still have a balance of about {$630.00}.