davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-08
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX # XXXX 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 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1691i ( 5 ) Treatment of in
accurate 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-09-05
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. (GA)

I have Contact the credit bureau multiple times about my credit card hard inquiries and unauthorized. I sent letters to the credit bureau explaining that I have had Hard inquiries pull on my credit without my knowledge. I tried to dispute but have not been successful.decreased my score 64. I also have accounts on my credit that have been over the period of time by law ( 15 U.S C those accounts was eligible for dispute and cleared
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2100.00}
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Waypoint Resource Group, LLC (FL)

I recently checked my consumer reports and noticed that there was information on my reports that i did not authorize. under the GLBA and FCRA it is ILLEGAL to furnish any information to any agency without the consumers written consent. I originally had an account with Spectrum they furnished my information to XXXX XXXX XXXX which then furnished my information XXXX, all without my written consent. below i attached a dispute letter to further explain the laws being broken, i demand a deletion at once.
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: EQUIFAX, INC. (WI)

My accounts 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 to be removed/updated.

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. 

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!
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (ID)

In XXXX of this year, I set-up a payment arrangement with a merchant with whom I conduct business. The merchant put the transaction through as two separate transactions, which was fine. This payment arrangement was through my debit card that is attached to my checking account with Wells Fargo Bank. I told merchant to set-up the payment arrangement to come out on XX/XX/XXXX, however, the representative I was speaking with was from another country and there was a language barrier. This person made a mistake with the date and set-up the transaction for XX/XX/XXXX, 10 days sooner than she was supposed to. I had no idea this happened until it was too late. For all I knew, the transaction was set to come out on XX/XX/XXXX as I had instructed. As a result of her doing this, it caused my checking account to become overdrawn and I was assessed two NSF charges from Wells Fargo each being {$35.00} with a total of {$70.00} in NSF charges. When I contacted the merchant who did this, they said that for the reversals, I need to contact Wells Fargo so they can reverse them for me. I have been back-and-forth with Wells Fargo and they refuse to help me. This overdraft was NOT my fault. This was a merchant error and Wells Fargo is stern on not reversing the {$70.00} in NSF charges. Im very upset about this and I dont think that this is fair. Some banks dont even charge NSF fees and this was overdraft was not my fault. This was clearly a merchant error and I shouldnt be made to suffer. They cant even make an exception over this, which I think is wrong and unfair. {$70.00} means a lot to me because Im struggling to begin with. Wells Fargo is a very greedy bank and I think the way they handle their customers is wrong and unethical. I need to have that {$70.00} refunded and I think I should also have additional {$500.00} credited to my account for this huge inconvenience and how I have been shifted back-and-forth by this bank. Theyre not even taking into consideration the mitigating circumstances that led to this overdraft. The merchant put it through on the wrong date when money was not in my account. 10 days later, everything was fine and this wouldve been a non-issue. But, the merchant made a mistake and put those charges through sooner than she should have. I thought Wells Fargo could help me, but theyre being cheap, greedy, unethical and wrong when it comes to their business practices. If you could help me right away, I would really appreciate this. Im not a bad person. Im just tired of being treated unfairly by a bank thats not even giving me any consideration, especially since I have a good relationship with them and Ive been with them longer than I should have been. I would like to keep my account with them and not end my banking relationship. Please help me anyway you can because this is totally unfair and I deserve to be treated better than this.
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. (AR)

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XXXX. 
IDENTITY THEFT. 
XXXX XXXX XXXX XXXX  Account Number : XXXX OPEN DATE XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX. XXXX XXXX Account Number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX  ACCOUNT NUMBER ; XXXX OPEN DATE XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX OPEN DATE XX/XX/XXXX. XXXX BALANCE
Consumer complaint received 2024-07-08
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. (CA)

I had gap insurance on this CREDIT LOAN for a vehicle. When the car got repossessed it was paid in full through gap insurance. This is becoming a huge liability and really hindering my credit. At this point I will seek to sue for damages as this has been reporting for 9 years!
Consumer complaint received 2024-10-21
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: CLGF Holdco 1, LLC (MD)

I have Several Credit inquiries that i did not make, and several of them are from the same creditor on the same day as well. there are about XXXX of them.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (IL)

Greetings Im the owner of XXXX XXXXXXXX XXXX. 
Ive been a square account holder for almost 4 years, With only 2 disputes from customers.XXXX XX/XX/year> My account was deactivate by square due to potential fraud they said. They asked me for proof of all document and i sent them in, they never granted to keep my account open or release my funds until a 90 day period which leads up to XX/XX/year>. I ask what was the reason for account closer and the rep that emailed me stated that they dont have to explain in further detail it looks fraudulent. Still no dispute or attempt to dispute with that payment method that raised a red flag.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I submitted a check to be deposited on XX/XX/25, it was held for 10 days, cashed by Bank of America, and the account was closed with no further information. I have contacted. The bank that issued the check has contacted and asked for it to be returned. It has now been almost 90 days and I still dont have an answer and the check hasnt been returned.
Consumer complaint received 2024-04-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo and XXXX XXXX used deceit and erroneous statements to deny my claim and complaint. I submitted documents which she has not seen or uses sophistry to deny. 
This occurred on XX/XX/XXXX, XXXX she denies that there was no redlining or discrimination although there was. She does not understand redlining or the Civil Rights Act of XXXX
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NC)

Around XX/XX/year> my Square checking account was deactivated by Square. I tried to make a purchase with my debit card and it declined once I called Square they notified me that they had deactivated my account and my funds would be refunded to my external account on file within 2 business days. I waited for a few days and once I never received my funds I called Square again and I was told my funds were being held for 90 days in case of a dispute or charge back of any customers. I informed Square that I had not used any of their merchant services and I only had transferred funds into my account so there wouldnt be any customer disputes or charge backs. They said the decision was final and hung up the phone. I contacted support chat and was told the same and I couldnt receive my funds for 90 days. Im currently facing eviction because square is holding {$1900.00} of my funds
Consumer complaint received 2024-10-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citibank closed my personal and business checking and saving account out of the blue. I was on vacation abroad and I was left without money. I am a good faith customer of Citibank for more than 20 years, working in the XXXX XXXX. I have always used my accounts legally and rationally.
Consumer complaint received 2024-07-08
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX - XXXX/XXXX/2023 XXXX - XXXX/2023
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK ()

Complaint Regarding Discover Credit Card Application Process To Whom It May Concern, I am writing to file a complaint regarding my experience with the Discover credit card application process. As a new resident in the United States, I applied for a credit card on XX/XX/year> through the Discover website since I had no credit history. However, the entire application process was inefficient and stagnant. Despite numerous reminders, the customer service representative requested additional documentation such as ID, address proof, and bank statements which I provided. The application was finally approved in early XXXX after more than a month of waiting. Nevertheless, upon receiving the card, I discovered it was frozen, and I had to contact customer service for further assistance. 

The customer service representative informed me that the card was frozen, and I needed to provide additional documentation for the card to be activated. They demanded notarized bank statements and threatened to close my account and report me to credit bureaus if I did not comply. After providing them with the additional information, they did not respond for nearly 10 days. I followed up with them, and they said my documents were unacceptable since they required three months of bank statements, and I had only provided two months. As a new resident in the US, I only had two months ' bank statements, and it was impossible for me to provide three months ' worth. I felt helpless as their customer service support was unproductive and repetitive, and they did not wish to solve the problem. 

I asked them why they approved my application and sent me the card if my documentation was insufficient. Why didn't they reject it in the application process? I am a new resident in the US here only two months and could only provide what was available to me. The customer representative was unresponsive to these inquiries and continually demanded that I provide three months ' worth of bank statements. They were unprofessional and showed no willingness to help me solve the issue. Furthermore, they threatened to close my account and negatively impact my credit score. 

Throughout the process, the customer service was unresponsive and lacked professionalism. They made false statements and threatened me. From the beginning to the end, I had to prompt them continually to make any progress regarding my application process. They never took the initiative to contact me or solve the problem, which exposed the company as arrogant and inconsiderate towards their customers. 

I believe that the application process was unreasonable, redundant, and inefficient. Additionally, I believe that the company was unprofessional and showed no regard for their customers ' time and money. I respectfully request that you investigate my case and take appropriate action to ensure that Discover improves its application process to prevent future clients from experiencing the same treatment. 

Thank you. 

Sincerely, XXXX
Consumer complaint received 2024-08-27
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. (HI)

XXXX XXXXXXXX XXXX  Last Payment XX/XX/year> Old debts should be discharged from my credit report after theyve reached their legal expiration, in the state of Hawaii the statute of limitations is 6 years.
Consumer complaint received 2024-10-20
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: U.S. BANCORP (CA)

I purchased from a company called XXXX XXXX, multiple items in XXXX different transactions at the end of XXXX. I sent vendor many emails and never received anything back so I contacted XXXX Bank credit card ( which was the card I used ) and they claimed they would investigate. The company XXXX XXXX sent US bank fake tracking numbers ( I never received anything ) and us bank credit card closed the dispute in the fake vendors favor. I have contacted us bank too many times to count about this issue but they wont reopen the case.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

CBNA IS A 3RD PARTY COLLECTION WHO IS ATTEMPTING TO COLLECT DEBT account # XXXX, I HAVE EXPLAINED AND SENT LETTER TO THAT COMPANY LETTING THEM KNOW THAT I WAS A VICTIM OF IDENTITY THEFT, THIS DEGORTORY MARK ON MY CREDIT PROFILE IS KEEPING ME FROM FINANCIAL HELP, I'M UNABLE TO GET A PLACE AND OTHER ESSENTIAL THING DUE TO THOS MATTER, PLEASE REMOVE THIS ITEM ASAP
Consumer complaint received 2024-07-08
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. (IL)

I walked into the dealership at XXXX XXXX Indiana 3 months ago and tryed to trade my car in they said that wouldnt be a good ideal and told me jus apply for another car loan and use my business name so I did 3 weeks later the car came up on my personal credit report after I told them Im in the process of building property they reassure me that it was in my business name but that was false information just to get a sale