davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
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. (NJ)

Back in XX/XX/2023 I've sent out a follow up dispute dispute to Experian regarding an account that's reporting inaccurately on my consumer report. Experian responded that this information was verified and accurate in which still today XX/XX/2023 there are multiple inaccuracies reporting. I firmly believe that it is their duty to fully investigate a consumer 's dispute and provide fair and equitable results. If they investigated this account how is there still inaccuracies reporting? This account reports to all 3 major reporting agencies which all have different information reporting which violates 15 U.S. Code 1681- Congressional findings and statement of purpose. The payment history that Experian is reporting is different than what XXXX and XXXX is reporting in which they all should be the same which is a billing error. I asked Experian to provide all of the documents thats verified this account and nowhere in the agreement with the creditor was there an option for me to opt out of this information being shared with anybody in which according to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, subsection ( b ) Opt out, I have a right to exercise that non disclosure option. I am requesting to exercise my option to opt out of this information being reported to anyone. They are not being compliant by reporting inaccurate information even after sending in multiple dispute letters and responding to me " Verified ''. I never gave Experian the consent to furnish a consumer report of me containing my personal information nor did I give them permission to share my information with anybody. Included in this complaint is a copy of my follow up dispute letter, my final dispute letter, a copy of my consumer report with the account disputed. 



Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Consumer complaint received 2024-01-07
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 have already disputed these accounts in question XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX, XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX with the 3 credit agencies Experian XXXX and XXXX and the furnisher of the information on XX/XX/2023 the credit agencies responded back to me claiming that they have investigated the matter with the reported companies and found that all information is accurate and verified. 
I have included a copy of my most recent credit report showing all the inaccuracies listed on my report. 
it is the credit agency duty to remove accounts they are unable to verify but they knowingly left the incorrect information on my report and that it self is a violation
Consumer complaint received 2023-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (MT)

I have qualified for a {$100.00} bonus from Marcus Goldman Sachs. 
I am being denied because I did not keep my complete funding balance of {$10000.00} in my online savings account ending in XXXX. 
I DID keep the required amount ( {$10000.00} minimum + account balance at XXXX XXXX on enrollment date= {$0.00} ) as defined in https : //www.marcus.com/us/en/disclosure/savings-bonus-offer-details much longer than the required period. I spoke to marcus rep XXXX  and marcus supervisor XXXX on a very lengthy recorder call XXXX case # XXXX. Though both repeatedly read to me, as I read to them directly from https : //www.marcus.com/us/en/disclosure/savings-bonus-offer-details " After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Account within 10 calendar days of enrollment ( the Funding Period ). The Account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ) must be maintained in your Account for 90 consecutive days from the end of the Funding Period. The Account balance is based on the starting current balance reflected on your account at XXXX XXXX  ET the day you enroll. " They repeatedly agreed with me, on the recorded call, that there was NO WHERE in any document that there was a requirement of keeping the full deposit amount in the account. The requirement is clearly stated to be the starting current balance reflected on theaccount at XXXX XXXX  ET the day of enrollment ( {$0.00} ) + a minimum of {$10000.00}. 
I am requesting the {$100.00} bonus.
Consumer complaint received 2023-02-28
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. (NY)

Experian are currently reporting INCOME ( XXXX Account XXXX XXXX ) on my consumer credit report. This account is showing on my consumer credit report as a charge-off. It is illegal to furnish INCOME on a consumer report. XXXX  already issue an 1099C for the above account and is now INCOME which was FILED ON MY IRS TAX RETURN. A charge-off, according to the IRS, is INCOME once 1099c is filed and reported. Experian continue to be in violation of the federal laws in placed. See Treas. Reg. 1.6050P-1 ( a )
Consumer complaint received 2024-01-06
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. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-06
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. (TX)

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Preferred Finanical Services Corporation (CA)

On XX/XX/14 I asked XXXX XXXX if interest rates have lowered again to make a refinance worth it. 

Before answering any questions he ran my credit. I did not authorize him to run my credit report. 

XXXX XXXX Mortgage Broker, Insurance Broker NMLS : XXXX - XXXX : XXXX - XXXX : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-02-16
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. (GA)

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. 

Account name : XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX  Account XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights XXXX Or list of inquiries 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 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, along with the Privacy Act, the listed account below has violated my federally protected consumer rights to privacy, confidentiality, and accuracy of information under XXXX U.S.C. XXXX, XXXX XXXX. XXXX, and XXXX XXXX. XXXX. 

Account Name & Number : XXXX XXXX XXXX XXXX The Privacy Act of 1974 provides protections to individuals in XXXX primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 

I never expressed a written or verbal consensus authorizing Experian Credit Reporting Agency to publicly report my personal and financial information per XXXX U.S.C. XXXX nor did I receive a request to confirm that the data shown on my credit report is accurate per XXXX U.S.C. XXXX and XXXX XXXX. XXXX. XXXX XXXX XXXX is not the original creditor I conducted business with, nor did I ever share my personal information with that company. This is an infringement upon my identity, privacy, protection, and rights.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Neon Newco Corporation (TN)

I received a no reply email from the nwtspwnd prepaid XXXX for a person name XXXX to my email and I would never in life use a prepaid card. I have XXXX bank accounts and a credit union. Website states they use photo id to open account so I want it traced to find out who has been using my email as this is fraud
Consumer complaint received 2024-01-06
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. (CA)

I recently reviewed my credit report and I was shocked to learn that I have an account in my credit report that is inaccurately reporting. 

XXXX XXXX is violation 15 U.S CODE 1692d- Harrassment or abuse
Consumer complaint received 2024-01-06
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. (IN)

Subject : Complaint Regarding 15 USC 1681 Permissible Purpose of Inquiries on Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding the presence of inquiries on my credit report under 15 USC 1681 XXXX specifically concerning the permissible purpose of these inquiries. According to the Fair Credit Reporting Act, a permissible purpose is required for inquiries made into an individual 's credit report. I have reason to believe that inquiries have been made on my credit report without a permissible purpose, and I am requesting documentation to verify the permissible purpose of these inquiries. 

I request that they investigate the inquiries on my credit report and provide me with the following information : 1. Documentation demonstrating the permissible purpose of each inquiry on my credit report, as required by 15 USC 1681. 

2. Verification that each inquiry is connected to an account that is explicitly listed on my credit report Following inquiries thats on my XXXX account without permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request that they specifically connect each inquiry to an account that is present on my credit report and provide me with the documentation that was used to verify that I have an open account with the entities responsible for the inquiries. 

I believe that these inquiries may be in violation of the Fair Credit Reporting Act, and I am concerned about potential unauthorized access to my credit information. As a consumer, I have the right to ensure that all inquiries on my credit report are made for permissible purposes and are connected to valid accounts. 

I appreciate your attention to this matter and request that you provide me with a written response regarding the outcome of your investigation within the time frame specified by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-06-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

I purchased a washer and dryer from XXXX. XXXX XX/XX/XXXX for {$2500.00} ( including tax ). There was a 0 % interest loan offered which I accepted. My understanding was the loan would be paid off on installments with no interest. I have never been late on payments. Other than a smale note on the XX/XX/XXXX electronic statement, I was not given notice that the rate was expiring. In XX/XX/XXXX, Synchrony Bank ( which manages the loan ) increased my payment without notice other than the monthly electronic statement. I did not catch the increase until XX/XX/XXXX ( after XXXX payments ). I contacted Synchrony and was informed that the promotional rate had expired and I was being charged interest after the fact ( 29.99 % APR ). The XX/XX/XXXX balance was {$1000.00}. After the interest add-in, the XX/XX/XXXX balance jumped to {$2500.00}. When I inquired about paying the loan off, the only payoff they would accept was at the XX/XX/XXXX level - I was a " a few days late '' in inquiring. I summation, I made payments for XXXX years and by their accounting owe more than I paid for the equipment. 

I have made many purchases with 0 % interest loans in recent years, including a new truck. All of these I made payments to complete the payoff WITHOUT any hidden increase. I was never made aware of this during the purchase and my wife who is very particular about finances was with me the entire time. I have continued to make the payments as I did not wish to default. I have gotten no satisfaction from H.H. Gregg/Synchrony Bank even though I wished to pay the debt off.
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ready Capital Corporation (FL)

I contacted my mortgage company on XX/XX/XXXX to ask about my PMI automatically cancelling since it hadn't already. I was told a request would be made and I'd hear back from them. 

I never did and called back on Tuesday, XX/XX/XXXX. The person said they'd follow up and get back to me but it looked like I qualified. 

I received a call back from her today and was told that because I'm in an area where a disaster was declared over 24 months ago, I would have to get an appraisal before my PMI can be cancelled. She claimed this was under some XXXX XXXX provision. 

I think this is a lie.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have complained for 2 years to stop mailing me promos. 

I even went online and changed my setting to stop!!! 

But bank of america does not care so now i have to complain to you PLEASE GET BANK OF AMERICA TO STOP MAILING ME!! 

I only want mail that i am legally required to get via mail
Consumer complaint received 2024-01-06
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. (NC)

My husband and I checked my XXXX XXXX XXXX on XX/XX/2024 to find that it was significantly lower than expected. I looked at the details of my credit report to find that there was a delinquency for a missed credit card payment. I contacted my credit card company ( XXXX ) on XX/XX/2024 to inquire about the missed payment because I had no recollection of missing a payment. They confirmed that they never filed a delinquency on my account. I created an account with Experian to look at the XXXX  report there and file a dispute, and when I looked at the XXXX  report, it said that there was an adverse account with XXXX XXXX XXXX XXXX The account as an address that is a XXXX XXXX XXXX XXXX, XXXX  I did not create that account. 

I filed a dispute with XXXX on XX/XX/XXXX, Experian on XX/XX/XXXX, and XXXX, and XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-03-08
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. (AL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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 2020-10-06
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: CITIBANK, N.A. (CA)

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " CITI CARDS CBNA '' I do not recall authorizing or " someone is using my identity ''. I understand that " CITI CARDS CBNA '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to CITI CARDS CBNA on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested CITI CARDS CBNA to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim.

CITI CARDS CBNA - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " CITI CARDS CBNA '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.