davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year> I applied for a credit card with XXXX XXXX XXXXXXXX. They pulled my Experian credit file the same day ( XX/XX/year> ). 

The XXXX XXXX XXXXXXXX application number is # XXXX XXXX XXXX XXXXXXXX mailed a document request for Identity & Income verfication. I have attached this letter. I mailed the documents & forms back to XXXX immediately, same day I received the letter. 

After many weeks of calling about the status of my application they finally sent a denial letter, XX/XX/year> XXXX months later ( document attached ). I understand sometimes applications result in denial, that is fine. 

The problem is that XXXX XXXX XXXXXXXX processed a SECOND Hard Inquiry on my Experian credit file without my authorization on XX/XX/year>. I only applied for the 1 credit card one time on XX/XX/year>. I never submitted a second application. They took over 2 months to process my application even though I had sent the documents the same day I received a Document request letter from XXXX. I never agreed to them hard pulling my credit well over a month after my application was submitted. 

Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-27
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: EQUIFAX, INC. (TX)

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

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (OK)

I am a homeowner with a mortgage held by M & T Bank. I have a wife and a one year-old daughter with another baby due on XXXX day. 

For the entire year of XXXX  I have been trying to reason with what I now consider to be a predatory lending institution know as M & T Bank to reduce my mortgage payments so that I can keep a roof over my family 's heads while still being able to pay the rest of my bills and provide clothes, food, etc. 

As you may have noticed, the economy has been in rough shape and my particular industry, which is mortgage finance, has been in an especially precarious position. 

M & T Bank has been rude, unaccommodating, and unhelpful in this process. Having worked in mortgage finance for years, I can say with confidence that I have never encountered a mortgage lender that refuses to eliminate the cushion on an escrow account in an economic hardship situation. 

This is precisely what M & T has done and continued to do. 

On XX/XX/year>, I wrote to the CEO of M & T Bank, XXXX XXXX, after spending hours on the phone with other staff at the bank to no avail. I received no response from XXXX XXXX. 

On XX/XX/year>, I sent a followup email. Again, XXXX XXXX did not respond. 

I guess his time is too valuable and important to deal with such matters. I am a desperate and scared father with a XXXX  child under XXXX years on the way in just about two months, and I feel as though M & T is holding me hostage. I feel as though M & T Bank is preying on my family and me, that they have absolutely no concern for the well-being of their borrowers, and that they feel they can get away with this abuse because I am not financially equipped to do anything about it. 

I work full-time, I have two remote jobs, and I am constantly working in my free time to grow a bit of side income to make ends meet, but it never seems to be enough to keep up with the rising costs of living and my mortgage lender, M & T Bank , doesn't care at all. 

This is a predatory lending institution and I feel they must be held accountable. My heart breaks to think of all of the young families who have lost their homes because they were not the type to stand up and speak out, as I am, about M & T Bank 's heartless and soulless relationship with its borrowers. 

Thank you so much for your time and concern.
Consumer complaint received 2024-09-09
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. (TX)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX SSN XXXX XX/XX/XXXX RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingTheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) PLEASE DELETE OFF MY REPORTSincerely, XXXX XXXX
Consumer complaint received 2024-09-27
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: EQUIFAX, INC. (LA)

Ive noticed some incorrect information on my credit report, which falls under the guidelines of 15 USC 16c-2. The data is inaccurate and negatively affecting my credit score. These inquiries were not authorized by me.
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (PA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA (CA)

On my XX/XX/year> credit card statement for my XXXXXXXX XXXX XXXX XXXX account I was charged the {$99.00} annual fee. I made a call to customer service because I did not want to pay the annual fee and requested that the card be changed to the XXXX XXXX XXXX account that had no fee. I had both types of XXXX XXXX XXXX credit cards with the bank. But previously without any notice to me the bank closed the XXXX XXXX XXXX account that had no fee. They closed the no fee account and left the annual fee account open.There was no warning. There was no notice to me. What happened when I called to have my open credit card account with the {$99.00} dollar annual fee changed to a no fee credit card account type, I was told they would not do that. If I wanted the no fee account I had to submit a new application for that credit card. This was after they of their own accord closed the no fee account I had open. I want to point out that I requested to and spoke to a supervisor about this problem. His name was XXXX and he was very rude and showed no respect to this customer. He was arrogant and obnoxious.
Consumer complaint received 2024-09-09
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)

On my report there is positive accounts on there that is paid on time. There is also fraudulent accounts that is in collections. I am asking that these accounts be erased from my report. I never gave any authorization to anyone to open any accounts, I have repos and other fraudulent accounts that i never authorized.
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

I paid my debt of {$410.00} to the debt collector Midland Credit Management on XX/XX/year> and in return, they were supposed to remove the account from my credit report. It has not been removed and it is still reporting negatively on my credit reports.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid 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 (PA)

I had purchased a pair of pants at XXXX XXXX XXXX. They did not fit and I returned them. Pretty simple. They cost {$44.00} and were purchased on XX/XX/XXXX. The item was returned with tags on it XX/XX/XXXX. My credit card was not refunded for the item in question. I contacted the store in a couple days to ask, and they stated they would investigate. They called back and indicated they investigated internally and sent the money to Fidelity Credit Card ( Elan Financial ). I contacted the number on the back of my card. They indicated they did not receive the funds and couldn't find it but sometimes it takes a month to to come in. When I waited until XX/XX/XXXX, no funds had arrived. I disputed the amount, but didn't know the exact amount as the receipt was in the other room, but I said it was around {$50.00}. When I asked for the money back and disputed the charge, they stated they will start an investigation and issued a preliminary credit. The representative on the phone stated they would credit me {$57.00} just to be safe but they could amend it during the investigation. On XX/XX/XXXX, they sent me a letter with a photocopy of the receipt from the transaction, and stated that it is different than the amount disputed. I circled the amount and stated that they have the correct one now, that it is correct on the receipt. Good job thank you. On XX/XX/XXXX I received another letter indicated that I " had not responded to the first letter and my dispute was closed and the amount was un-charged back ''. So they charged {$57.00} back to my account, but did not rectify it with the correct amount. I called immediately, and a representative stated they would reopen the dispute, could see my concern and saw the documents and weren't sure why it hasn't been processed and to give it a month. A month goes by, I called at the beginning of XXXX. They indicate the same thing, please don't report to the CFPB, give it another couple weeks it should get processed, wow that is crazy, yadda yadda. It is now XX/XX/XXXX and I am still out {$47.00} for a pair of pants that were returned months ago. Please help me! It isn't the money that is concerning ( though I do want it back ), it is the principle of the matter. Thank you.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

American Express closed my credit card account due to inactivity. They said they emailed me a letter notifying me that my account is inactive on XX/XX/year>. I do not know if I received this email as my emails could only go back as far as XX/XX/XXXX, the account was closed XX/XX/XXXX. 

I was notified by the agency XXXX XXXX that they closed my account on XX/XX/year>. I contacted American Express and they notified me of the email. Since XX/XX/XXXX there were XXXX other emails sent to me from American Express and none of them mention inactivity, they offer other spending measures, balance transfer options, and earning rewards. I wasn't notified of the closing by American Express at all and nothing was sent by mail. There were XXXX emails after the closing on XX/XX/XXXX with special offers. 

My credit score has been lowered because of the closed account, lowering my credit limit, and lowering the average age of my credit line. 

I believe my account was improperly closed. It is very easy for me to use my American Express cards to keep it active if given the chance.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all XXXX credit reporting agencies, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( C ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-09-09
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. 

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

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingUSA (FL)

I went to a Debt Consolidation Company, Lending USA, and after paying them they were reporting on my Credit Report 3 Times.

They were to use the Debt Consolidation Loan, and payoff the Credit Cards.

Instead all of the Debt is still on my Credit Report. 

XXXX XXXX is On My Credit Report, who I never did business with along with Lending USA.

They are illegally reporting kn my Credit Report
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have not been informed that this is the case I am going to end up with with my attempts to dispute these accounts that are affecting me financially, mentally and emotionally - so here I am writing once again, asking if you could just look through my case and investigate the accounts that I am asking for you to verify the accuracy and remove once done.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I spoke with all XXXX credit bureaus and XXXX XXXX about a XXXX XXXX bankruptcy thats showing on my credit that I never files also a bill from XXXX XXXX XXXX that I know nothing off. I would like for these XXXX items to be removed from all XXXX credit bureaus including XXXX XXXX.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (MI)

I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report