davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
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. (MD)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX  '' the financial institution and the Consumer reporting agencies, XXXX and Experian, do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' XXXXvery consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-06
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)

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXXXXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this 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.

15 USC 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 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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, GA XXXX, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4800.00}
Consumer complaint received 2021-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the accounts below from my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00}, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2024-07-06
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)

I looked at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate Even after exercising 15 USC 1681i and sending letters to each credit reporting agency and there was no change. According to the FAIR CREDIT REPORTING ACT 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. These accounts : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 
check the attachments below.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My mortgage loan with XXXX XXXX was in forbearance from XX/XX/XXXX through XX/XX/XXXX. At that point when it ended, I was assigned a SINGLE point of contact by the name of XXXX XXXX. He initiated me to contribute forms I needed for loss mitigation to assist with mortgage payments. I have sent forms to them multiple times, 2 to be exact via fax and they somehow never received them. I have had to send forms via fax and mail, for them to only say they don't have it. Fast forward to XX/XX/XXXX, XXXX received the documents and starts his review. XXXX was aware I had an alternate address but did not tell me that I needed a letter or explanation. He also had me send the wrong documents for the wrong program. They stated via phone that XXXX had placed me in the wrong program. For months we are attempting to apply to a program that I was never to be placed into. XX/XX/XXXX, I sent another letter detailing explanation of address, and emailed XXXX to please tell me if anything else is needed as he stated before nothing else was needed. After complaining and changing out point of contacts to XXXX XXXX, they approved a loan modification XX/XX/XXXX. I say this all to say they have reported late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was dealing with someone, an employee of theirs ( XXXX XXXX, who not very helpful or clear on which program he had placed me in. It took the higher ups to step and state how XXXX did not have his best foot forward in my situation causing confusion and my payments to be marked as late. I later one sold the home in XXXX, however, these late payments are affecting me tremendously. I have tried to speak with the supervisors in Loss Mitigation and to no avail, they will not talk to me. I no longer know where else to go. I want to sue them as of now if I can not get them to correct the late payments as an offer of good will, due tot he mistakes of their employee that was not properly trained.
Consumer complaint received 2023-11-07
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. (OH)

I do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase XXXX XXXX credit card for which one of the benefits is that you receive {$25.00} in XXXX " XXXX '' credit every six months. On XX/XX/XXXX, I received {$25.00} in XXXX credit from XXXX. Then, on XX/XX/XXXX, I received another {$25.00} in XXXX credit. At that point, my account had {$50.00} in credit. Ten days later, on XX/XX/XXXX, {$25.00} in XXXX credit expired without warning. I booked a flight on XX/XX/XXXX which made use of my remaining {$25.00}. On XX/XX/XXXX, I received another {$25.00} in XXXX credit from my XXXX XXXX credit card. I booked a flight and used the credit, but then had to re-book the flight, so I cancelled it. When I went to re-book the flight, I was told I could not use my credit because some department at XXXX had to " verify '' the cancellation. I booked the flight on my XXXX credit card ( a separate Chase card from the XXXX card ). About a week later, the {$25.00} XXXX credit re-appeared in my account from the previous flight cancellation. 

There are two problems here. First, my XXXX balance should be {$50.00}. It is not reasonable for XXXX credit to expire in ten days, or even three months. The XXXX Terms and Conditions do not say anything about expiration at all ; terms 25 and 26 at XXXX XXXX XXXX ( " XXXX XXXX expiration '' ) are erroneously the same as terms 23 and 24 and do not reference expiration. XXXX has designed this page so that the terms can not all be printed at once. Second, I should have been able to use my {$50.00} XXXX credit when I re-booked my flight on XX/XX/XXXX, confirmation number XXXX. I could not. When I today to find out if I could apply it retroactively, I was placed on hold for about an hour and told that the relevant department was closed ( after being told that only XXXX could help me, which turned out to be incorrect, apparently, because they couldn't ).
Consumer complaint received 2024-07-07
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. (NM)

XXXX sent my new credit to an address in Virginia. This was the incorrect address. I do not live in Virginia. XXXX now a victim of identity theft due to XXXX giving someone else my credit card. I had to close the account in order for the card that were sent to another address.
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I bought the car on XX/XX/XXXX, I was told that I would have a warranty on my vehicle and would be able to get it serviced at the facility. As soon as I left the lot, the indicator lamp came on and I called the facility, only to be told to email the person who emailed me the car. I emailed him on XX/XX/XXXX and XX/XX/XXXX of XXXX and was told to contact XXXX XXXX, sales manager, who did not return any calls or voicemails I left for him. I called in XX/XX/XXXX to have my car serviced and was told I needed to go to another facility due to them having no availability. I believe I was shunned or barred from the facility due to the XXXX XXXX XXXX XXXX being sold to me as defective. I had an appointment on XX/XX/XXXX that was cancelled via telephone for unknown reasons. For months, I called and emaileXXXX XXXX XXXX  XXXX, Captial One, XXXX XXXX and have been either denied, ignored, or ridiculed. I emailed the XXXX XXXX XXXX regarding my claim and did not receive a response. Then, I proceeded to call and when I did not receive a response, I put in a claim to the XXXX XXXX XXXX on XX/XX/XXXX, due to the car failing to start and told due to my mileage I do not qualify. Since then, I have attempted to get Captial One or XXXX XXXX to repossess the vehicle since I stopped making payments on it. I lost my job due to not being able to travel because of my car breaking down on me and I still have the burden of the defective vehicle I was sold.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Hello I began my credit journey XX/XX/XXXX I started with a credit card with Chime I began noticing that they have not been reporting to all 3 credit bureaus as they stated they would when I applied and still currently on their website the date today is XX/XX/XXXX and the last time they reported anything has been on XXXX I didnt not want to escalate or make a report due to me wanting to be patient to see if there would be a update I then began my search online with similar customers/clients with the same card and theyve had similar problems and experiences like mine I personally dont want to close the account even though Im in good standing with them I just wanted to make my voice known to other people possibly experiencing the same situation as mine and hopefully getting justice/reasonable compensation for their false advertisement
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (OR)

the first sent me a letter regarding my XXXX housepayment daying it would be reduced because I had an excess in escrow. I paid the usual housepayment anyway. they put the extra into principle. next instead of informing me that taxes had gone up and giving me an opportinity to address NEXT YEARS tax situation they simply tell me my house payment is going up in XXXX. I called to ask why today XXXX XXXX they look it up and say taxes are going up by XXXX dollars. 

Its important to note that there was an EXCESS in escrow of XXXX dollars that should have covered any tax deficit of XXXX dollars. so why refund me and set me in arrears? 

note this is the second year in a row they are doing this. last year they said insurance when up by a few dollars. 

they XXXX the payment and tack on interest and my end of year what I have paid is OVER what I could have paid up front. 

I do not know how to get my taxes and insurance out of their hands so that I can pay it separately. this in my opinion would be the only way to stop this abuse. I have seen other people I know lose or be forced to sell their homes because these mortgage companies play these games of refunding excess before paying the taxes and insurance and then claiming there is a shortage. this should NOT BE OKAY with the US government!!!
Consumer complaint received 2023-12-19
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

Follow up regarding complaint reference # XXXX. 
We have spent over three hours trying to get Amex to refund our gift card. The information letter we received - passed on from CF ( you ) is to call a phone number, somewhere in the world. After about 4-6 minutes of talking the call breaks up. You eventually have to hang up and start over. Then you call and wait again to reach someone. You start to talk and explain and the call is dropped. We then tried to contact the Amex office in XXXX florida, ( the address on the letter we received passed on to us by you ) but no one returned our message. This has been a week ago. We have a reference number the first customer service rep gave us before the call was lost ( reference number XXXX ). We assumed since the process had been started they would go ahead and refund as we requested. But the card still shows the full balance today when we checked. They had my name, etc even wanted my full birth date ( is that legal? Why my birth date to refund my gift card ) we are not sure what the problem is but we do not consider this resolved. 
My wife and I have been long time Amex customers. After this we may begin to question our credit relationship with a company that provides terrible customer service- to gift card holders that are not regular customers. 
We appreciate your help in this matter. 
Best, XXXX
Consumer complaint received 2024-07-06
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. (NY)

I have disuputed this inaccurate information that is reporting on my credit file several times. Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Consumer complaint received 2024-07-19
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. (NY)

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

XXXX XXXX  XXXX with Account Number # XXXX opened on XX/XX/XXXX XXXX XXXX Account # XXXX opened on XX/XX/XXXX XXXX XXXX  XXXX Credit Card Account XXXX XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX. 

XXXX  XXXX Account # XXXX opened on XX/XX/XXXX.
Consumer complaint received 2019-11-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cottonwood Financial Ltd. (TX)

The Cash Store has a third party by the name of XXXX that called me at my place of employment from XXXX. Someone by the name of XXXX XXXX, he claimed to be, called several times for me. When he did finally reach me, the gentleman did not state where he was calling from, who he represented and only stated there was a claim filed against me and he was coming to my work to bring it. The caller did not have a professional tone, so It was very intimidating when he was yelling that I broke the law and I could not hide behind my job. After I kept asking who and what, he said he was hired by an agency to handle my claim. A claim he still did not state was. I disconnected after his rudeness was too much and I was afraid, some guy I don't know said he was coming to my work. My general manager began to answer his calls that continued and explained to him that this did not seem legitimate especially because the guy kept yelling. When I picked up line again, I said I was going to call the police, ONE because I didn't know who he was, two because he kept saying I will come to your work, and I will be escorted. I have my general manager, and front desk lead both answered these calls. The 2nd time I picked up the line, he apologized for not letting me know who he was, and gave me a number to call, his representative, to get my answers. The place was XXXX. I am still shook up by all this. This was a 3rd party collection agency. The way this was handled is not professional and in turn gives these people the reputation they have. " Bullies ''. I will look to attain other professional advice on how this was handled. I did contact the Cash Store as well as XXXX XXXX XXXX to see what I could do on my part as far as my debt. I do not believe that these tactics should be legal. He took over 2 hours of our business time as he repeatedly called our business. Again, I have 2 other witnesses on how " XXXX XXXX '' disturbed our flow here. He does currently have my personal number, I will hope that there is something I can do to stop this very unprofessional business practice. I am afraid to go to my car, or leave the building. This gentleman 's last call, he told my front desk lead, to tell my general manager to have me waiting outside for him. As a place of customer service, we do have the calls recorded if there is someone I can submit them to. Please advise.