davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
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. (OH)

15 U.S. Code 1681- Congressional findings and statement of purpose 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and
Consumer complaint received 2024-08-02
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. (TX)

Please see my attached Notice to file Suit, my break down of all transactions with XXXX  showing XXXX 30 days + late payments BUT INSTEAD a one time deferment plan set up then an immediate extra/over payment when it was due ( on time ). You now have 24 hours to fix this or you will be summoned to court and my attorney will be taken over in a class action suit. You guys are just taken their word not even seeing they close out compalints immediately with XXXX proof to back them..they don't care and neither do you but I do when it comes to my livley hood and 7-10 years of being stuck in life because you guys mishandled my accounts!
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

The Credit Reporting Agencies XXXX, Equifax, and XXXX have violated my federally protected consumer rights as they are in violation of the FCRA and the Privacy Act of 1974. I've contacted the agencies but have failed to receive a reply as of XX/XX/XXXX. 

According to 15 USC 1681c, " 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 ... ''. 15 USC 1681 ( 2 ) Exclusions ( A ) ( i ) explains clearly that a consumer report should exclude any information solely as to transactions.

15 USC 1681b explains that any consumer reporting agencies may furnish a consumer report under the following situations AND NO OTHER. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

From unlawfully reported financial transactions to willful disregard of my NEEDED written consent for these consumer reporting agencies or financial institutions to report ANYTHING on my behalf. 

This negligent reporting has hindered my ability to access credit on fair terms.Affecting my creditworthiness has caused very harsh financial hardships for myself. 

I will address the furnishers of information to the aforementioned Credit Reporting Agencies ( Equifax, XXXX, and XXXX ) in another complaint. The three mentioned agencies have failed to provide me with a reasonable means to exercise my right to opt out ( 12 CFR 1016.7 ) BEFORE my personal information was disclosed. I'm aware that i may exercise my right to opt out at any time. 

I've attached the only available copies of the letters i've sent within this complaint, also my consumer credit report from all the credit reporting agencies so that it may be reviewed and corrected for any inaccuracies or adverse reporting
Consumer complaint received 2024-06-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arivo Acceptance, LLC (VA)

Arivo Acceptance, sent emails stating that the vehicle wasn't going to effect my credit score or report due to unwrongfully charging me an unknown amount of money. I told them to come get the vehicle within 30 days of having the vehicle. They scammed me and this is unfair to me. They stated this would not effect the doings on my credit report.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Experian has violated my rights. According to the Privacy Act of 1974 and Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am the Consumer and 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 and its affiliates 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. '' In which they disclosed transactions history which is very much illegal ( 15 USC 1681 exclusions ) to third party companies. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave written, verbal or electronic consent for any transaction history to be disclosed.
Consumer complaint received 2023-04-29
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Westlake Services, LLC (OH)

On XX/XX/XXXX I purchase a XXXX XXXX XXXX. It was {$9200.00}, I had put down {$1000.00}. I financed with a bank called Westlake Financial. When I had first got the car I had notice that the air bags didnt work, I tried to reach out to XXXX XXXX via email and didnt get no response. Over time I had to replace certain items of the car such as the brakes, battery and engine. And the alignment is off on the car which means I cant drive safely on the highway I had went to a XXXX Dealership because I was looking to trade my car in for something else due to the XXXX break ins, they informed me about how much my car was worth and told me since I had several crashes on the car, my car value will decrease, I was completely confused because I was never informed about crashes in fact the Car dealer told me that nothing happened to the car it was ready to drive off the lot. I tried to contact him and he basically said it was nothing he was going to do for me.
Consumer complaint received 2024-01-02
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. (MD)

XX/XX/XXXX I sent Experian, XXXX, and XXXX letters highlighting accounts on my report marked as Charge Off. I Informed the company in writing that an Charge- off is an Certificate of indebtedness and a Certificate of indebtedness is income and that income can not be reported on my credit report. I have also in writing that having these accounts that's reporting income on my report are in violation of The Privacy Act of 1974. For these violations I asked in writing for these accounts to be deleted. The List of accounts below are the ones that require action. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX/ Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX Also these accounts are in violation of 12 CFR 1022 which violates 15 U.S.C. 1681ba ( 1 ) ( 2 ) No court has issued these accounts to be furnished on my report and also I never gave my written consent to furnish these accounts on my report.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is clouding my credit report. When I contacted XXXX XXXX, they said, I do not know owe the balance being reported but that they report this amount as a default amount. Rep for XXXX XXXX also says, we, did not tell the debit to collect to collect this amount. So, this is so sort of cash grab, I dont know how XXXX XXXX XXXX received social security number either. I never applied for credit with XXXX XXXX. I dont owe them anything.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In XXXX I had a statement balance of {$77.00}, I paid that in full on XX/XX/23. That same month/billing period, after I paid the statement and account balance, I was charged additional fees. These fees carried over creating a balance, and then they reported me late several months later.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-31
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: GOLDMAN SACHS BANK USA (FL)

I am writing in response to a dispute I initiated for XXXX XXXX for {$360.00}. I have already tried XXXX attempts trying to solve this dispute in my favor. I have been trying to get this charge resolved in my favor since XX/XX/XXXX with Goldman Sachs Bank. Even after all the facts and evidence that supports my claim in detail I keep getting denied erroneously. My dispute was for a plane ticket that I cancelled and never used and was misled by XXXX XXXX into purchasing in the first place. I want the Financial Protection Bureau to investigate credit card account management practices. Including how the bank resolved billing errors and how it refunds cardholders for disputes initiated. 
I have an Apple card with Goldman Sachs Bank as the official business handling the transactions. I believe Goldman Sachs consumer banking has had some issues with consumer banking since XXXX from reading newspaper articles. The consumer banking does not know how to handle the complaints generated by customers and in return try to pretend they are solving the disputes but reps just end up denying the claims. These types of issues have been reported by the XXXX XXXX XXXX on many articles as early as XX/XX/XXXX. These are serious issues that need to be addressed and investigated. Apparently, the bank did not invest enough money in consumer business department operations since XXXX and this has hurt their business and how to handle customer disputes according to The XXXX XXXX XXXX. Since XXXX the Federal Reserve found problems with the banks consumer business. The Federal Reserve was concerned that Goldman did not have proper monitoring and control systems put in place to handle disputes and enough staff to work on claims. As a result, reps have been overwhelmed with disputes and claims from consumers and have no other choice but to deny the claims even if the claims are valid with substantial evidence like in my case. The joint business with Goldman Sachs and XXXX has been reported as a nightmare by the news outlets and Apple wanting out of the deal by year XXXX. I thought that by having an Apple card was going to be a benefit for purchases but it has been a nightmare with many transactions been denied by the Goldman Sachs Bank from damaged merchandise, cancelled purchases and so on. These problems continue. I want Goldman to resolve my disputes in my favor and admit wrongdoing and to reevaluate their business practices and operations so the burden does not fall on the customers like myself. 
Thank you in advance for your consideration.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX said I was late on payments during my divorce and I asked to remove the trade line as it is wrong. 

They said no an I sited USC 15 and 18 as the basis for my request. 

They said to XXXX XXXX  in a manor of speaking. 

I had money in the bank for said vehicle and paid it off early as a result and I am planning on suing the bank to remove the negative information as under the federal law negative disputed credit is to be removed from any report I paid the loan under the terms of the agreement and then 3 years early. 

They stopped the auto payment for some unknown reason. 

I am a XXXX person and have had my credit wrecked by this agency for calling them out on the matter. 

I want the trade line removed as it is false and misleading to lenders. 

All credit lines that are in dispute are to be removed by the reporting agency if a dispute is not settled.
Consumer complaint received 2024-05-30
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: WELLS FARGO & COMPANY (TX)

Thanks. 

While XXXX had a XXXX score listed on the paper form that was higher than the online bank XXXX score for Wells Fargo ( that uses XXXX ) and while the XXXX XXXX XXXX score of XXXX was highest ( XXXX ), no score was appearing on the online XXXX statement that lists the scores for XXXX, XXXX, and XXXX. 

XXXX and XXXX stated that Wells Fargo is to update them.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
REFERENCE 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 XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-02
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)

The company provided a fraudulent bill statement. Its fabricated for many reasons. The address is spelled incorrectly on ALL the statements they sent. Theirs no way I could receive mail with the wrong address. 
They sent a bill that says XXXX XXXX. I currently live at XXXX XXXX. Another reason this bill is fabricated is, I did not live at XXXX until XX/XX/2018, however, they sent me a bill as proof dated XX/XX/2018 with the address XXXX passing it off as an official piece of mail, but its not. Its XXXX.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Equifax on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix
Consumer complaint received 2024-05-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (GA)

I had a CD approaching maturity and was sent a pre-renewal notification advising that I could go online to renew, or call a banker to renew. I chose to use their website to choose renewal terms on my existing CD. The options I needed to update to provide renewal terms were, if I wanted to add or delete money to the existing CD and the length of time for the new CD. The length of time also shows the interest rate being offered for that amount of time. There is a drop down that allow the selection for each of these. I chose to ADD money BECAUSE of the promotional APY of XXXX that was presented to me on their website. By selecting the promotional offer, I needed to also increase the length of my existing CD from a XXXX term to a XXXX term. I also chose to add {$3000.00} to the existing CD. I then received a confirmation on their website of my new renewal terms. However, when my CD renewed, they only chose to take the {$3000.00} from my bank account to add it to the CD and they extended my new CD term by XXXX additional months. They did NOT warrant the third item of renewing at the rate that was offered with those terms in my renewal instructions. The bank has confirmed that there was indeed the XXXX promotion in place when I submitted my renewal instructions on their website. However they are telling me that the CD renews at the rate in place on the date of maturity. So, I feel like this " almost '' has a bait-and-switch appearance to it because they added $ to it and extended the CD term but did not provide the rate that was presented/promised. My decisions on the renewal terms were based solely on the new rates that they presented to me on their website and I would have NEVER increased the term, or ADDED money to it, if I would have believed that they would not also honor the interest rate that was presented on the same screen.