davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (NJ)

I have received two credit cards offer from the so-called Experian. On XX/XX/XXXX, at XXXX, XXXX offered the card. And on XXXX, the offer from same email address stated XXXX your {$600.00} balance to a new card. ' I just wonder why so called Experian used its knowledge of my personal information, which was the total amount of my monthly charge, for its credit card offer. From the beginning, this company is supposed to keep the privacy of the client as a credit report company ; if my understanding is correct. Otherwise, I would like to ask you how people can determine one company is reliable, if that company uses the personal information for its own purpose. As a XXXX, it is difficult to understand.
Consumer complaint received 2023-12-07
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. (FL)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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/XXXX
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

This is my 2nd try. I evidently do not know how to send photographic proof of my receipt and the bill. 

On XX/XX/XXXX i tried to put {$200.00} towards my Lowes credit at store XXXX ( XXXX OH XXXX XXXX XXXX. The clerk took {$1200.00} out of my account. I was in a hurry and did not notice unti later. I went back the next day to have it corrected. I also had the bill which only amounted to {$660.00}. The clerk at the service desk tried to correct it. She said she got it in there but the computer was hesitating to print the receipt. She turned the screen to me but the screen disappeared while I was getting out my phone to verify it. She assured me it was taken care of but to give it a day or two to be deposited. On XX/XX/XXXX I checked and there had been no correction. From the credit union parking lot I called the number on the bill. I was informed that they could not put it back in my account but would be sent a check that would arrive in 2 to 3 weeks. I told her that was bogus, if they could take it out, they could put it in. I expressed that I was not happy. On XX/XX/XXXX no check had arrived and I called in again. I was told that according to their records it would not be XXXX weeks until Friday. I called on XX/XX/XXXX and reached what was obviously a call center and probably in another country. The man I spoke to told me " it's been cancelled. '' I questioned what had been cancelled and where had my money gone. He told me it was cancelled that no money had been taken out. Once again I was extremely mad and again made it clear that when I got my money back and had paid off the balance they would recieve the card in pieces and that in no uncertain terms would their company receive a dime from me until the {$1000.00} was returned. 

Starting shortly thereafter I began recieving texts to remind me I had not paid my bill. Calls are coming in daily on a potential spam number that I believe is them but I do not answer spam calls. 
The latest was at XXXX today as I attempted my first complaint.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

on XX/XX/2023 i informed experian to know that i received a credit report that had several inaccurate information on it such as several names and addresses that wasnt mines i stated that the company ( experian ) should remove these due to the FCRA obligating credit agencies to report accurate information in which i recieved a updated report that still had several inaccurate addresses and names as well as employment innaccuracies. 15 usc 1681n states that a credit agency SHOULDNT BE WILLFULLY NON-COMPLIANT if that said agency ( experian ) is being non compliant thats punishable up to 2years or a XXXX $ fine per inaccuracy
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2024-05-04
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: EQUIFAX, INC. (MI)

Pursuant to the CFPB, the definition of a consumer report is any written, oral, or other communication of any information by a consumer reporting agency that bears on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living that is used or expected to be used or collected, in whole or in part, for the purpose of serving as a factor in establishing the consumers eligibility for any of the following : XXXX credit or insurance to be used primarily for personal, family, or household purposes. 

Pursuant to the CFPB, the term consumer report does not include any of the following : XXXX. 
any report containing information solely about transactions or experiences between the consumer and the person making the report. 

XXXX, XXXX & EQUIFAX along with their subsidaires have blatantly disregarded this matter and continue to report derogatory information on my credit report such as LATE PAYMENTS and CHARGED-OFF accounts -that are transactions solely between myself the consumer and the issuer of the credit. This direct violation of the FCRA, has caused my credit score to tank/decrease more than 100 points, rendering me ineligible to apply for a mortgage and other credit related products. This matter has seriously impacted my life in a negative way, and hope to resolve this matter without seeking further legal assistance.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I was charged a late fee While they were negotiating with the family credit to consolidate my debt. I was charged a late fee. Now I am afraid that my credit is going to take a hit from this because then I am unable to connect to Chase 's customer support because every time I call them the phone hangs up automatically. 

I have called from multiple phones, The same thing happens
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-07
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. (NJ)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I went to the bankruptcy court and asked do the report bankruptcies to the credit bureaus and they gave me a signed letter stating They do not report to any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. 

Ive written the credit bureau plenty of time about the inaccuracy in XXXX, XXXX, XXXX, XXXX, Ive even showed that XXXX deleted the bankruptcy on XX/XX/XXXX, which XXXX and Equifax claims how they validated the bankruptcy info They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-12-07
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. (AZ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

THIS ACCOUNT IS REPORTING INACCURATE AND HAVE VIOLATED MY CONSUMER RIGHTS DUE TO MILD PRACTICE. THIS ACCOUNT IS REPORTING INACCURACIES ACROSS ALL ( XXXX ) CREDIT BUREAUS. 



XXXX OF XXXX
Consumer complaint received 2023-04-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Upgrade, Inc. (NE)

I was making payments on time and a couple months later I was able to payoff the remaining balance and I did which was {$3300.00} I paid it from tax return by XX/XX/XXXX XXXX and left me with restricted from access to the line of credit I paid it off in hope to access to make fewer payments and not raise more balance but I was disappointed and I talk in phone with staff and they were not helpful and I feel regret I open this Line of credit I think the reason that the bank isnt care is because they have what they want through marketing by XXXX XXXX And the bank raise unexpected interest rate and advance fees and sudden denial of transfer and access to line of credit and disclose credit information that were reported inaccurately
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

My Amex consumer credit card limit of {$11000.00} was reduced to the balance owed ( {$3500.00} ). Thus making the credit card balance due immediately as this tactic now makes the card 100 % utilized therefore negatively effecting my consumer credit score. 

I have made minimum payments due consistently. 

I was not given notice of this decrease in advance nor did Amex seem to take into consideration the implications that lowering the limit would then jeopardize my consumer credit score. No warning was given, just a email defining a lowering of the credit limit. 

Amex does not intend to allow me to pay the balance to reclaim my original limit.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Today ( XXXX ) received a notice from capital one about my accounts being closed and to contact them. I did, and they offered no explanation as to why, and then " ended '' our " financial relationship. '' Therefore now i can not pay my credit card as a result and they offer no assistance, solution or reversal to their decision. 
I'm not certain if it was lack of funds, although i did have money in the account. And before adding an external bank account they had sent a verification deposit which i never received. ( It was supposedly sent within this last month. ) I was told it'd take 3-5 business days. 
Regardless, there's a lot of problems with CAPITAL ONE, and I'd like resolution. Proper resolution.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611 15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately
Consumer complaint received 2023-12-07
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. (NY)

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 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX