davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The information in the reports are different and do not match. It appears on my report as a negative account. {$2100.00} and the dates do not match nor the company names. I asked them to remove that from my credit report. to XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my ( Experian ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-04-03
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2018-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC changed their website to pay bills online about three to four months ago. The website is literally awful, impossible to navigate that I will now have to find time to close my online bill payment account which I have had for over twenty years. I have many automatic bill payment accounts, therefore closing my HSBC account will be time consuming. have two HSBC credit cards, a checking account and a savings account. In order to have free checking, I have to maintain a minimum of {$10000.00} in my savings account which is unacceptable. 

But getting back to bill payment. I tried to make a payment on my HSBC credit card, but I inadvertently made a cash advance instead. I called HSBC five minutes later and they refused to cancel the cash advance which carries a fee. They promised me it would be straightened out in 4-5 business days which is unacceptable. Also with the new online banking I can no longer see what my minimum payment due on my HSBC credit card account is. This is unheard of. A representative from HSBC told me I have to access my estatments.

In summary HSBC can not change their website to what it used to be. I have a college degree in XXXX XXXX  ; would be happy to send my college transcript, but this website is geared to consumers to miss payments and enrich HSBC. Case in point, when one wants to pay a bill, there is no pay bill to click on, one must click on " transfer money ''. How is one supposed to know this.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (TX)

various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently received my consumer report and I notice many errors, which is making my report inaccurate! First I would like to start with my current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX is not accurate and should be removed immediately. See attachment for proof that I sent in letter asking for help in updating my file to reflect true accuracy.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 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 2023-12-10
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. (PA)

There are multiple inquiries on my experian credit report that were not authorized to look into my credit history to extend credit or review my credit as my permission was not given, These fraudulent inquiries need to be deleted.
Consumer complaint received 2024-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Real Time Group, Inc. (CA)

This is part of my 2nd complaint about Real Time Resolution, they are a Zombie Mortgage Scam! I will not give up since they bankrupt me and im homeless!! Please help me and if you cant who else can I go to? My name is XXXX XXXX which you already have my prior complaints but you havent helped me!! Please Im begging you to help me!
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Newport Intermediate Inc. ()

On XX/XX/XXXX there was a fraud on my account. 
I reported to the bank on XX/XX/XXXX the bank replied me saying no fraud has occurred. 
The total amount is {$16.00} The money is sent to XXXX XXXX, FYI I never opened any account with the XXXX XXXX its not me who did that transaction.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Upgrade, Inc. (VA)

All dates/times listed below are in XXXX XXXX XXXX. 

On XX/XX/XXXX, I opened Rewards Checking Plus from XXXX ( https : //www.upgrade.com/ ) after seeing " Earn {$150.00}! * Once you sign up for Rewards Checking Plus and direct deposit at least {$1000.00} in XXXX  days, both you and your friend can receive a bonus. '' The terms and conditions ( which I have saved to my laptop ) state : " New Customers If you do not currently have or have not previously had a checking account through Upgrade ( a New Customer ), you can receive a Welcome Bonus ( defined below ) if you ( 1 ) use an Existing Customers unique referral link to open a new checking account through Upgrade, subject to account approval, by the Offer Period, and ( 2 ) set up direct deposit and make {$1000.00} in Eligible Direct Deposits within XXXX ( XXXX ) days from account opening ( a Qualified Registration ). If you complete a Qualified Registration, you will receive a welcome bonus in the amount presented to you when you open your checking Account if your account is opened by the Offer Period [ and you make the requisite deposits ] ( the Welcome Bonus ). '' On XX/XX/XXXX, a part of my salary ( {$1000.00} ) was direct deposited into the said account, which was well within the XXXX days mentioned in the terms. 

At some point, I stopped seeing a relevant promotion in their mobile app. On XX/XX/XXXX, I called customer service about why, and I was told that the promotion " expired on XX/XX/XXXX. '' I told her that I should have XXXX  days to make the direct deposit according to the terms, but she just repeated the same response over and over again until I hung up. 

XXXX was XXXX days after account opening. It's been XXXX weeks since the XXXX days passed from account opening, and I still haven't received the bonus.
Consumer complaint received 2023-12-09
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. (GA)

My complaint is in reference to the immediate removal of late payment entries from my Experian credit report as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). According to the FCRA, late payments should not be reported as negative information. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. I believe these late payments are the result of a clerical error or misunderstanding. Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to change these erroneous late payments to update to paid as agreed never late or deletion of the late payment ratings. As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made. 

Experian has violated my rights by under 15 USC 1681 by reporting the following late payments on my consumer report : 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 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 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2023, a Certified letter was sent to Experian demanding they DELETE outdated addresses and inaccurate names from my Consumer Report and no response. 

On XX/XX/2023, Experian responded stating they're still working on my issue. 

XX/XX/2023, Experian responded stating they won't remove one or more sources of information reported because the address I questioned to be deleted is part of my credit history, and my complaint was closed with NON-MONETARY relief. 
I provided feed back to Experian on XX/XX/2023. 
I then proceeded, to dispute the addresses and names online with Experian on XX/XX/2023, with Experian only updating the disputed information. 

On XX/XX/2023, I sent Experian a Certified Mail Letter With Return Receipt, for the second time demanding the items be DELETED from my Consumer Report!!
Consumer complaint received 2024-04-03
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (IL)

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. it has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!
Consumer complaint received 2024-06-08
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. (WI)

I feel that I have really done my part trying to remove all these things over the years and they haven't by law removed it so I feel that y'all should be able to look into this and remove these things immediately
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In XX/XX/2024, I submitted a report to the CFPB, which has since been closed without any response or correspondence from the corporation regarding the listed violations and associated invoice. Although they sent a copy to the CFPB, they failed to provide me with one. Subsequently, they have initiated flagging my account on EXPERIAN, resulting in an XXXX decrease in my credit score subsequent to the issuance of a cease and desist notice. It is imperative that they refrain from harassing me via Experian or any other credit bureaus. Despite my notification of numerous violations, they persist in attempting to indirectly demand payment, which constitutes illegal behavior.
Consumer complaint received 2023-12-04
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. (MD)

I recently check my credit and notice that there are a few fraudulent accounts and inwuires on my credit file. I contacted the credit bureus on XX/XX/ with my concerns regarding these fraudulent accounts and they told me i need to get an FTC report and i did send it via certified mail and i still have not yet receive anything.
Consumer complaint received 2023-12-09
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. (GA)

I filed a dispute concerning my consumer report with XXXX, XXXX, and Experian in XXXX and XXXX of XXXX. Neither company acknowledge the federal laws or consumer protection laws that I cited in my disputes, instead the company sent me a letter basically saying that they speculated that some third party was doing something to my credit. I responded telling the reporting agencies that I, myself had written the disputes, and I also verified my identity. The company still ignored all consumer protection laws and simply refuse to investigate or remove any of these derogatory remarks for my consumer report.
Consumer complaint received 2024-04-02
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. (TX)

I have repeatedly disputed XXXX transactions which remain on my report. I have provided the creditor and credit bureaus proof that I am a victim of identity theft and they refuse to update my report. I have provided the police report which included the accounts, along with the report number, and name of the suspect. These companies are violating my rights and federal laws under FCRA Section 623 ( a ) ( 6 ). My report is inaccurate and it is not only affecting myself but my family. The credit bureau and creditor has failed to abide by federal laws which is effecting my livelihood. XXXX XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX are all creditors that Ive never done business with, and have not provided sufficient documentation to determine how account ownership was determined.
Consumer complaint received 2023-12-09
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. (PA)

I changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX on XX/XX/2018. I changed my name with all creditors and all credit bureaus. I sent certified copies from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXXXXXX XXXX XXXX and XXXX made the proper changes and I have not had a problem with obtaining credit through either of these bureaus. My problem is with Experian. I've sent copies of all my paperwork on XXXX different occasions to Experian and spoken with them on the phone 5 or 6 different occasions and nothing has been resolved. I've had rejections from Companies that only use Experian because they don't have any of my credit history except for one credit card, and I've been declined for lack of credit history. I have extensive credit history and can provide you with copies of my XXXX and XXXX reports which are correct. This has been going on for years and I'm extremely frustrated trying to get this corrected with a company that does nothing to help. 
Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My credit report is reporting obvious inaccurate information, which is not supposed to be. My credit report can not have inaccurate information however this is not the case and this inaccurate false information is still reporting. This is harming my credit ability because it is misrepresenting my credit information unfairly.