davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On Thursday, XX/XX/XXXX, my wife made a payment towards our credit card. She didn't realize that it had gone through so she used a different method and now Bank of America has charged us twice. When we called Bank of America to try to remediate the issue. They told us that it needs to process and it'll take 24 hours to return our money. This is now XX/XX/XXXX. We are now on the phone of Bank of America. We started at XXXXXXXX XXXX XXXX XXXX. It is now XXXXXXXX XXXX XXXX XXXX. Bank of America is refusing to return our funds in the time frame that they told us on the phone yesterday. They are now saying that they're going to hold our money for a minimum of 10 days while charging us overdraft fees. I know that it's XXXX  XXXX XXXX and they keep their foot on our throats at all times. But now they're just not even giving me back my money so I can pay my bills. They're greedy and they do not care about their customer base. This is an abomination and frankly I think Bank of America should be audited and shut down.
Consumer complaint received 2023-11-17
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. (NY)

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 XXXXXXXX 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, has violated my rights.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-16
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 lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-16
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. (CA)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-16
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)

Acount number XXXX is not an acount that belongs to me this is not my acount I have filed a police report and also a FTC report Both reports were giving to Experian I am requesting an immediate removal from my acount or my next action would bring a federal law suit if this acount is not removed I will take legal action this causing me to much stress and a great loss to my personal credit history
Consumer complaint received 2024-08-23
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-04
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 neither 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 reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/1987 XXXX : {$5500.00}. Please delete.
Consumer complaint received 2023-06-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (VA)

On XXXX, 2023, I opened an IRA CD with Synchrony Bank using a rollover. Not realizing that the " single '' rollover rule applied, I sent 2 checks. The first check was deposited but the second check was deposited into Synchrony Bank but not applied to the new IRA CD. 

I have repeatably requested that the second check amount of {$30000.00} be returned. The bank has not done anything to get my money back. I have received no correspondence regarding this money. 

I have emailed XXXX XXXX a SVP at the bank twice but still no money. I believe that the bank has engaged in a float of my funds. They deposited my check on XX/XX/XXXX, even though it was never applied to my account. They wrote me a letter dated XX/XX/XXXX and mailed it to me. I received it just a few days ago, but it contained no information as to how and when the refund would happen. In fact, if they had reached out to me by phone or email, I would have told them to put the {$30000.00} in a regular CD.
Consumer complaint received 2024-07-16
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-16
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)

I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-07-15
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)

I was approved by the salesman XXXX, I have this proof in texting he send XXXX $ he said he's manager wanted to deliver the car that night to miami XXXX it was XXXX. The text especified everything ok, just need a signature, he also texted it was going to be a soft pull, but I wanted to drive the car first, how much was my finance fee.and I told them major banks don't finance cars 10 years or older.they whent ahead to XXXX  XXXX XXXX, XXXX XXXX, twice.when I went to dealer, he said my score wasXXXX good, they ask me for my phone and they took it in the back, while XXXX and I were talking about XXXX away, when the brought my phone back I've seen 7 inquiries. I told them to stop, the messed my credit up. I have a membership with expiriant credit bureau they could help me, I asked XXXX XXXX if I can walk into XXXX  XXXX cafe and show them proof of the text messages they said no, I said can I open a bank account they said yes, why not look at the proof of my allegations I have 2 cards with XXXX  XXXX never been late, or problems. That's not fair. I'm a person that don't make much, but I try my best.thank sir or ma'am.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (AL)

On XX/XX/2022 I received a response from the creditor ( FORD MOTOR CREDIT ) that the balance was adjusted to the correct amount from previous dispute, and was being reported to the Credit Reporting Agencies. On that day I saw the changes on my credit reports just as the creditor had explained. Four days later, on XX/XX/2022 all 3 Credit Reporting Agencies begin reporting 3 new different balance amounts on my credit reports, which is totally different from what the creditor had explained and reported four days earlier.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

The question asked I could not answer. How is it that the information you have about me is not about me. You guys think the person who is using my info is more e then I am of myself. How is that possible. How can you get something like this so wrong. I would like you guys to call me if you can. This needs to be fixed on your end. None of the information you guys have is from my old address. The person using my info is in North Carolina. I have never sept a foot in that place. My past phone number are not listed. But someone else is. How have you not realized that yet? I really want to take you to court. Im going to talk to my lawyer about this and see if I can do just that. This is not acceptable
Consumer complaint received 2024-07-11
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The company 's listed above, I noticed unauthorized inquiries on my credit report.
Consumer complaint received 2024-07-16
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. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2022-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (LA)

Last year I'm my checking my account with hsbc there was a mobile deposit into my checking account. They froze my account Becuase the check was in my soon to be wife 's name and she depositing into my account by accident and they froze the account the check was little over XXXX XXXX dollars and that been almost a yr ago... i have contacted hsbc multiple times and they treaty me like I'm some kind theft and have explained to them what happen but they don't listen I've sent everything they asked me to for me and her to prove our identity and they refuse to give my accont back the check has been cleared and cashed and they frozen my account .. they should never cashed it because I didn't sign it she signed it again she thought it was her account but the auto login on phones switchedbot and she didn't realize it. I live in XXXX and the bank is in XXXX tomorrow morning me and her are taken a trip to drive to XXXX to go decuss this with back but it like they want keep money that not there's there really stealing from us because they have no grounds to keep this momey..money... So I the account owner and her the owner of the check that was deposited are both going to bank for Tues morning and request her money out my account please help this is n ot right to be treatedbthisnwas please help thabk you for your time and help I look forward to hearing from you soon my ph number is XXXX XXXX XXXX and my email is XXXX my name is XXXX XXXX XXXX thank you
Consumer complaint received 2024-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

In an effort to increase my FICA score, I paid on my Synchrony account ( s ) to bring the balances under or around the 30 % mark. The XXXX card in particular ( XXXX XXXX ) I had a {$3200.00} limit. I have not been late on my payment ( s ) due it's taken out automatically from my checking account on the due date. In the month of XX/XX/XXXX, I made a payment on the XXXX in the amount of {$960.00}. I then made another payment of {$600.00} on XX/XX/XXXX. These XXXX additional payments were made an addition to the monthly payment which had been taken out on XX/XX/XXXX. These payments brought my balance down to {$1400.00}. The second additional payment was made in order to have the account showing at or near 30 % usage. I checked my credit score on XXXX and without receiving notice from the card issuer, they lowered my credit limit from {$3200.00} ( XX/XX/XXXX ) to {$1400.00}. This caused my usage for this card to be at 97 % and dropped my credit score by XXXX points. I reached out to Synchrony and spoke with a representative who transferred me to a supervisor. I explained to her my concern and what I deemed as the company being unfair. I asked her why this had happened, and she couldn't give me a solid explanation. She went back and forth about they had the right to decrease or increase my credit line. When I asked what determined the change, she replied that they look at your credit score and other accounts on your credit report. When I challenged that, saying my credit score was in the XXXX range and all my accounts were and have been in excellent standing, so I don't understand what you are saying. She then went off topic to talk about the expiration of a promotion I had utilized. I became frustrated and figured out that the company was not going to assist me. I feel that it is unfair for them to receive {$1500.00} worth of payments and lower my credit line so my usage can be almost at 100 % and negatively effecting my credit score and report. My husband is an additional card holder, and this has also affected his credit score and report.
Consumer complaint received 2024-07-16
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. (MN)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me XXXX  days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.