davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (NJ)

" 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK (TN)

On XX/XX/XXXX I noticed that there was an owner added to our checking account that neither me or my husband recognized. I went to the bank and asked for them to provide me with the information they obtained to make that change. I was told at that time, they did not have a signature card for the added individual and could not tell me when that person was added. I asked to speak to a XXXX and was told there was not XXXX in the office at that branch. I then asked for the number to the corporate office, where I called and spoke with XXXX XXXX. She told me she would investigate and get back with me the next day. She did not call me back, I tried to call back, and was sent to voicemail. At that time, I called the customer support line, explained my issue and asked to have my issue escalated. After 7 days, I finally received a call back saying my only option was to close the account or bring in the person I don't know to have them removed. I said that was not acceptable and asked to be put in touch with leadership. I then called back to corporate and was once again put in touch with XXXX XXXX who said she would try to get someone from leadership to contact me. Later that same day, I received a call from the bank saying that the erroneous person was added to my account in XXXX! They admitted that they could not find a signature card for that person but said the XXXX update, took precedent over the signature cards signed by my and my husband in XXXX and XXXX. The bank has put my credit and my personal information in jeopardy for over 14 years and has offered no means to rectify the situation. The only option I am given is to close my account and rework my entire financial portfolio.
Consumer complaint received 2023-08-04
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. (UT)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2024-08-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SLM CORPORATION (AK)

In XXXX of XXXX  and today ( XXXX XX/XX/year> ), I have received an email from Sallie Mae Bank after my CD renews that it had renewed. Sallie Mae communicates by email that CDs have renewed ( past tense ). When I receive this email, I call Sallie Mae Bank to change the term/withdraw of the CD. I am told that the grace period has passed and I need to do that before the CD renews. 

In both instances, I then notified Sallie Mae that I am not receiving a renewal notice before the CD renews. In both instances I am told that they do not send this information and instead I have to find the notification on my own spontaneously. I have to perform the following steps to discover what is being renewed : 1. I have to go onto the Sallie Mae website and sign in. 2. I need to select the " notifications link '' or more specifically, go to the " Accounts '' drop down menu and then click on " Statements and Notices '' without any flag or indication that there is a notification. Please be aware, this is different from the " messages '' link that exists under my profile that many finance companies ( including Sallie Mae Bank ) use to communicate with customers because that is not where CD notifications go. Messages is where other communications from Sallie Mae bank goes. So if I check for messages, I will not find anything there.
3. After going to " Statements and Notices '' I have to select the specific account that is renewing, again without any flag or indication of which CD account is renewing.

4. Then I have to select the " View Notices '' link for that specific account in order to find information on the renewal or the fact that it is even renewing.

5. I then have to click on the notice among a list of notices for that account and it opens a pdf. Among the listed notices will be the past renewal pdf as well as the statement of renewal that was received in the original email described above. 

So Sallie Mae emails notices after a renewal but does not send a notice before the renewal. This causes the customer to pay a penalty for " early withdrawal '' after renewal or to be stuck in a term they did not want and they planned to change. The wrong term can impact interest rate earned as well lowering interest earned. They do not have a grace period after a CD renews like many banks do. 

I was able to get an " exception '' from a supervisor ( though the XXXX did not offer this ) but was told this is " only once '' and would be " noted on my account '' that it will not happen again. 

I do not believe that me having to go find information that my CD is renewing meets the standard of a bank being required to " send you a notice in writing before the CD matures '' as described on the CFPB website. The described standard requires the bank to reach out with the notification rather than requiring the customer to go and discover the notification.
Consumer complaint received 2023-08-04
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. (IL)

Hello. I'm reporting that. XXXX, XXXX, Equifax, XXXX XXXX and XXXX are not reporting my credit report correctly. It is being reported that the XXXX  NORTHERN BANKRUPTCY US COURT verified a bankruptcy on my credit report. 
This is not true I have a letter from the XXXX  XXXX BANKRUPTCY US COURT stating that the courthouse does not verify any Bankruptcies at all. It also states that they have notified the credit reporting agencies of this. 

I was told I couldn't get a response online because they couldn't verify my identity. I'm sending a copy of my I.D So the response can be shared online If you can't prove the US BANKRUPTCY COURT NORTHERN DISTRACT OF XXXX  verified the bankruptcy then this is incorrect. Also please provide who is verified/or giving my information to you. This is a illegal attempt to lie and tell me the courthouse provided/verified the bankruptcy. That's why I'm providing my i.d I want all responses online so it's a record of the responses. I want the CFPB to see your full response. If any other information is needed for my identity please State that in a response on this complaint.
Consumer complaint received 2024-07-09
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: EQUIFAX, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I check my credit report and found accounts that are not mine. I was XXXX at the time these accounts are peportong and didnt know a thing about opening up credit cards accounts. These are not my accounts and I sent dispute letters to all credit bureaus XXXX Experian and XXXX. XXXX was the only company there verified these accounts were not mine. Experian and XXXX failed to do proper investigation on these accounts XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MD)

I contacted Experian in regards to a request to for a full refund after finding that I was charged 2 months of full membership. I informed the representative that I called in to customer care to request cancellation of my 7 day trial. I was unable to speak with a representative after following the prompts to cancel membership. I was intructed to input my social security number and upon doing so, I received a thank you message then soon after the call was disconnected. I was under the impression that I had made a mistake so I called in for a second time to be sure that I completed the request and followed the same prompts and received the same response. I am now being told that in order to cancel a request I would need to speak to a representative, in which, it isnt stated anywhere in the terms and conditions section on their website. No one has addressed the fact that the automated system gives you the option to cancel a membership but apparently the system is faulty. Ive also included a screenshot of my cell phone statement that shows the calls made in to the contact center.
Consumer complaint received 2024-07-09
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. (FL)

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 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 informationisinaccurate.
Consumer complaint received 2023-08-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Earlier this year, XXXX XXXX accepted and deposited my XXXX mortgage payment on XX/XX/2023 ( XX/XX/23 ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

XXXX XXXX  has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/2023/XX/XX/2023 ). 

My payment was not 30 days overdue and my credit report has an error on it due to how XXXX XXXX chooses to report. 

I can provide documents from my bank and from XXXX XXXX which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with XXXX XXXX and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (DE)

Money stolen out of my checking fraud charges by a scam XXXX dollar taken out of my checking account .Wells Fargo refuses to return my money 5 airline tickets purchased and credit agency all not in my name an they refuse to pay me..
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

15 US Code 1681 ( c ) The term consumer means an individual. 5 U.S. Code 552a - Records maintained on individuals ( a ) defines, for purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. According to 15 US Code 1681e - ( 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. XXXX Reporting agencies reflecting inaccurate information on consumer record. PORTFOLIO RECOVERY A, is reporting as an original creditor to XXXX and XXXX. The consumer never entered into an agreement to a loan with this company. The reporting agencies continuing to reflect the collection account on the consumers record will constitute willful non-compliance and under 1681n, section discuses that in general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Consumer is requesting this inaccurate tradeline be removed immediately or pay {$1000.00} for each month each agency continues to report the tradeline.
Consumer complaint received 2023-08-04
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. (NC)

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. 

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 2019-02-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

I was shocked when reviewing my credit report and found a late payment on XX/XX/2016. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-05-22
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)

Credit bureau did nothing to address my dispute below. 

Please remove the following items from my credit report immediately PERSONAL INFORMATION 1. XXXX XXXX XXXX, XXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
2. XXXX XXXX XXXX XXXX, XXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
3. This name XXXX XXXX is incorrect please remove it from my credit report immediately. 

INACCURATE REPORTING 1. XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
2. 1. XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
3. XXXX  XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
4. XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
5. XXXX  XXXX, Account # XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
6. XXXX XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
7. XXXX XXXX XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
8. XXXX XXXX XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 

INQUIRIES 1XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
2. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
3. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
2. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately.
Consumer complaint received 2023-08-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

On XXXX I sent a letter to challenge some items on my credit report due to noticing that some things were incorrect. Per the FCRA I asked for the items to be deleted from my report because they were inaccurate. I allowed time for a response from the bureau and when I pulled my report again, I noticed that there were no changes and I had not received any response. The items were still reporting incorrectly. I sent letters again monthly requesting an explanation and a complete investigation to be completed on these accounts and I was completely ignored. After being ignored, I sent the letters out via certified mail to ensure you all received them, and when they delivered on XX/XX/XXXX, I finally received a response. You stated that the accounts were verified and accurate. My question is, how can the accounts have been verified if they are STILL reporting inaccurately on my credit profile? The disputes have not been resolved and I demand that each dispute is re-opened, reinvestigated and deleted. I want complete copies of every action taken to resolve this matter. This is a violation of my rights as a consumer! To expedite the process I have also included screenshots of my current credit profile which shows the inconsistencies that you are reporting on my profile.
Consumer complaint received 2024-05-21
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. (PA)

I am writing to follow up on my previous letter dated XX/XX/year>, regarding the accuracy and completeness of certain information reported about me. As per the Fair Credit Reporting Act ( FCRA ) 611, I requested an investigation into several accounts listed on my credit report. However, I have yet to receive a satisfactory resolution or response to my dispute.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not an error. I am sending my formal notice that fraudulent applications have been done using my name without my knowledge. All this information has been reported to the XXXX XXXXnd is currently under investigation.