davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

I have checked my report and verified accounts that I am not aware of, As per 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. Below are the accounts appearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2023 at approximately XXXX on Monday morning I called Experian to clean up my credit report and noticed their was addresses on my credit report where I had never lived in my life, I have been in XXXX XXXX for 35 years, Well some of the addresses they removed but their is still this XXXXXXXX XXXX XXXXXXXX XXXX. Which the agent just refused to delete because he's in charge and that I was having my mail sent there, Now what sense does that make, Experian had me living in XXXX XXXX also, I had to argue about that, they had me living at XXXX XXXX in XXXX, please help me, This company Experian is sabotaging my life.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

XXXX is available on XXXX website. I tried to opt-in through the form. The submission returned and error saying I am not eligible. The terms shown below the form indicate I am eligible because I have an open account, its not delinquent and my card is XXXX of the XXXX eligible cards. Chase responds a few days later saying I am not eligible. The website is freely accessible by searching on XXXX for XXXX chase promo. The webpage is accessible to the public at XXXX XXXX XXXX
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-02
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: GOLDMAN SACHS BANK USA (FL)

*THIS IS NOT A DUPLICATE COMPLAINT* This complaint is in response to Complaint # XXXX I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding the reporting of late payments on my account. It has come to my attention that the late payments you have reported to the credit bureaus are in direct violation of the provisions outlined in the United States Code, specifically 15 USC 6802.

According to 15 USC 6802, it is illegal to report inaccurate or incomplete information to credit bureaus. Furthermore, Section 15 USC 6802 ( b ) explicitly prohibits the disclosure of non-public personal information without the consent of the individual concerned. In light of this, your disclosure of my account 's experience or transaction information to the credit bureaus, who are non-affiliated third parties, also violates the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I have discovered that your company has incorrectly reported late payments for my account. This incorrect reporting has had a significantly negative impact on my credit score and overall creditworthiness. Not only is this a violation of 15 USC 6802, but it also contravenes the FCRA, which mandates the accurate reporting of credit information by creditors.

In accordance with the aforementioned legal provisions, I hereby demand that you immediately update the status of my account with the credit bureaus to " paid as agreed '' within four business days from the date of this letter. Failure to comply with this demand will leave me no choice but to pursue legal action against Apple Card for each violation under 15 USC 6802 and the FCRA. Please Note : Company policy does not supersede federal law.

Please be advised that if I am forced to take legal action, I will seek damages of {$1000.00} per violation, as provided for by the United States Code and the FCRA. I strongly believe that the accurate reporting of my account 's status will rectify the damage caused by your company 's incorrect reporting and restore my credit profile to its rightful state.

To ensure a prompt resolution, I kindly request that you acknowledge this letter within five business days and provide written confirmation of your commitment to rectify the reporting errors. Additionally, I expect written confirmation from the credit bureaus regarding the updated status of my account within ten business days.

I trust that Apple Card, as a reputable financial institution, will handle this matter with utmost urgency and in compliance with applicable laws and regulations. I hope we can resolve this matter amicably without resorting to legal measures. 

Thank you for your immediate attention to this matter. I anticipate a timely and positive response from you. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I originally booked an airline ticket through American Express XXXX XXXX in XX/XX/XXXX for myself and my son. I was alerted on XX/XX/XXXX that the airline had changed aircrafts and demoted our class of service. I called American Express travel to see what my options were, if I could cancel and rebook on another airline, depending on the price of new tickets. Without my permission the agent canceled my flight, which had cost {$2500.00}. I then had to rebook, and the new ticket was {$5000.00}, twice as expensive for a lower class of ticket. I had to rebook because the hotel reservation was nonrefundable. American Express has done nothing to remedy the situation, despite there being recorded transcripts of the call. I have been a cardmember since XXXX, and they refused to refund my annual fee when I tried to cancel, which was paid in XXXX. They should have covered the difference in ticket costs due to their agents mistake.
Consumer complaint received 2018-04-15
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

My lease with XXXX XXXX ended in XX/XX/XXXX. I turned the vehicle in, paid the remaining payments in full and on time, and then paid the additional fees and damages in full. In XX/XX/XXXX, XXXX XXXX reported my account 90 days delinquent. I immediately inquired and they said it was some sort of mistake and my only recourse was to file a dispute with the CRA and wait 30 days till it was fixed. I was very unsatisfied with this answer as I had to take time to fix their mistake and suffer credit card companies lowering my limits and denying me credit. Again, it is XX/XX/XXXX, a count still closed, paid in full, and they reported my account 120 days delinquent. I called again and they apologized and stated I had to once again file a dispute but I could PAY to expedite the process!!! I am so sick of my credit score I work so hard for suffering drastically while these mistakes that the company can not explain why it is happening, happens. Currently, my score has fallen over 100 points not at the fault of my own and the company has done nothing. Ut apologize and brush me off.
Consumer complaint received 2022-12-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NV)

For the third time : paypal wouldnt allow payment of {$40.00} minimum on balance owed to paypal credit until the day that a {$40.00} late fee would be due. After the third time Ive decided not to pay the debt. Its basically all late fees by now. 
the site will just pinwheel and fail while making payments until XXXXXXXX XXXX on the last day to pay forcing consumer to change the date when a {$40.00} late fee will be due. Once paid the payment all goes to late fee instead of minimum payment.
Consumer complaint received 2022-12-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IL)

In the drop-down selection they did not have the reason why I'm filing the complaint, so I chose whatever was closer to it. In XXXX my father passed away unexpectedly from a XXXX XXXX, and I had to take out a XXXX loan from One Main Financial. They took my XXXX XXXX car title as collateral and approved me for the XXXX loan. The lady who helped me that day went over my loan and my automated payment amounts and I agreed to what she explained to me. The automatic payments started coming out of my bank account in XX/XX/XXXX of XXXX, the amount was larger than I remember the lady telling me it was, but I thought since it had been months that they didn't take any payments they must have doubled the payments up. In XXXX of either XXXX or XXXX ( I cant recall now, and they will not provide me with the paperwork I have requested so I'm not sure ). I received a call from One Main Financial and they offered to refinance my loan. I was struggling financially and had tested positive for XXXX at the time and was staying home from work without pay. so, I agreed based on the information that was originally provided to me back in XX/XX/XXXX. I decided to check the paperwork that was given to me in XXXX of XXXX a couple of weeks ago because my loan doesn't seem to get any smaller. I still owe them XXXX, it has gone down by only a XXXX XXXXXXXX dollars. That is when I noticed they gave me 2 different people 's paperwork in XXXX and none of the paperwork seems to be mine, neither the loan agreement nor the automatic withdrawal form is under my name. I contacted them and asked them to mail me my original loan agreement documents from XX/XX/XXXX and they said they would, but I never received them
Consumer complaint received 2023-09-27
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 submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

My name is XXXX XXXX, i opened an account with Citi Bank on XX/XX/2022. i made sure to transfer money on the account to make sure it stays active. I received my card a few days later but only used the checking account. On the evening of my birthday XX/XX/2022, i then decided to close my savings account and then proceeded to open another checking account and i also requested for a bank card to be sent to me. Then on Wednesday XX/XX/2022 on my birthday i walked into a Citi branch XXXX XXXX XXXX XXXX, XXXX FL XXXX and proceeded to have them give me a temporary card for the second checking account. The teller that helped me at the branch his name is XXXX XXXX which was very helpful with his manager also, but what ended up happening since both account were linked they had to unlink them which was fine because i still had a temporary card. The branch manager then came and completely messed up everything by ordering me another card for the first account which both acct were going to be separated. I left the branch very upset because it meant that i had no money to use whatsoever until i received the card. I received the new card on XX/XX/2022 which i then activated, i also deposited my check which was given to me by my employer, check date was for XX/XX/2022 which i thought would be clear by the following day. ON XX/XX/2022 my account was then blocked for suspicious/fraud activities, i then told both the representative and account specialist this was a check i received with my name and address on it and my employers name ( XXXXXXXX XXXX  XXXX and gave them the employers phone number to verify. She told me to call back because it would be handled by the following day since the check is dated for XX/XX/2022, i called that morning just to find out that my account is still locked and closed and a check will then be mailed to me and that there is nothing that can be done because the account is flagged. Here i am with no money, i can't even buy food, pay bills or pay for my suitcases to fly to go see my family. They have no consideration and no one cares to help, i am overwhelmed, tired and crying because of this ordeal. I will never bank with Citi because they have no sense of doing business, i hear so many stories similar to mind and quite frankly i find it very disgusting that this is how you treat a customer who has done nothing wrong, and has given you countless of proofs. Thank you
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The following accounts were never late I have sent 4 letters without a response XXXXXXXX XXXX XXXX Negative Negative Negative open, installment, collection, past due, assigned to attorney, collection agency, or XXXX XXXX XXXX XXXX XXXX XXXX seriously past due XXXX XXXX XXXX Negative Negative Negative Was 30 days late 3 time ( s ). Was 60 days late 2 time ( s )., revolving,30 days late,60 days late XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s )., XXXXevolving,30 days late,60 days late, delinquent, past due XXXX XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 3 time ( s )., revolving, settled,30 days late,60 days late,90 days late XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s )., Was 30 days late 3 time ( s )., revolving,30 days late Please remove the accounts from my credit report
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently reviewed copy of credit report I have a fraudulent account from XXXX XXXX XXXX, wit a balance of {$560.00} was opened in XXXX of this year account # XXXX, not my account
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (TN)

I dont know why I am getting this XXXX card. I think it was from a pop up survey that claim to give away gift cards ( which was a lie ) from me using the XXXX app connecting to XXXX website. I feel it is a dishonest way of doing business. I do not want this card and the survey was a waste of time.
Consumer complaint received 2018-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XX/XX/2018 I sentva debt validation letter to the company asking them to validate the stated debt, that is not owed to send me original signatures and items used to validate the debt not verify or the company will be in violation of the FCRA Buy reporting in In accuracies on my credit report.
Consumer complaint received 2022-12-23
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. (VA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (FL)

This is my formal complaint to Experian I sent a letter last XX/XX/2022, to them regarding the unauthorized inquiries reflecting on my credit report and I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2022-12-23
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. (MI)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc. (GA)

Porsche Financial Services does not provide accurate and clear payments due and schedules upon making successful payments ; and thus, applies aggressive late fees for error on their part. Porsche requires customers to pay for leases and loans electronically via its app ; it is a very labyrinth process to find porsche financial services " module '', which will then take you to your account to pay the bill. Upon using the module, you are provided your due payment, and which I pay every time by the due date, however ; I may have inadvertently missed a pay cycle due to being incapacitated with XXXX, nevertheless, the app only shows what is due. For someone my age and skill, I wouldn't know that additional payments are still due upon successfully making a payment about before the clearly disclosed due date, if payments are in the arrears, that should be shown as well, and fully disclosed. As a result, Porsche Financial Services has not only charged me one aggressive $ XXXX late fee, but two times, within the past two monthly payments to no fault of my own. Porsche Financial Services needs to revamp its module to make it clear of what is due and what is still owed, to prevent people with illnesses or circumstances to lose sight of what is due in a given payment cycle, and with good intentions, make the payment schedule conspicuously clear so that they are not inadvertently financially harmed by your system and design.
Consumer complaint received 2022-10-18
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. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Inaccurate account on my credit report, canceled debt reported as debt, no 1099C received, violating 15 USC 1681eb.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (CA)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-09-29
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. (NY)

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.