davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, 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. (NC)

The following inquiries are reporting on my credit report without my authorization or consent This is a violation of US code 15 USC 1681b ( 2 ) 18 USC 1028a Please DELETE the following inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

The three credit reporting bureaus ( XXXX, Experian, and XXXX ) require me to mail highly personal documents such as a copy of a Social Security card, birth certificate, and driver 's license in order to place a freeze on my daughter 's credit reports. I can place a freeze online for myself, but for some reason they make it more difficult and significantly less secure for me to do it for her. I'm worried about something happening to the documents as they cross the country. It's very insecure to have to mail these documents. I thought they were required to allow me to do it by phone or online. Is this not the case?
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I contacted Midland in an attempt to resolve the debt. They agreed to settle the inflated balance from roughly {$490.00} to {$300.00}. I started the arrangement with an initial payment of {$100.00}. Later when I went to make the next payment, they had no information on the arrangement we agreed on, and additionally the owned balance hadnt changed and 3 months later, the balance still hasnt changed. It should reflect a balance of {$200.00} or even at the least {$390.00} after my {$100.00} payment. After speaking with them they acknowledge the payment I made, but nothing about the settled amount agreed on. This is unethical collection practices which has hurt my credit substantially because I refuse to be taken advantage of by shady business.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

From my checking account at Bank of America unauthorized transfers were made as follows : Date Amount XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Total XXXX i contacted Bank of America on XX/XX/2022, and they told me that in nine days they will give a resolution, and a credit will be placed in my account. Nine days passed, and I did not receive a notification or a credit into my account. 

I contacted them again several times, and all they said was that the investigation was concluded, and that all the transactions were made from my phone or my computer. They have not provided any documentation on their investigation, or any reasoning as to why they have denied my claim. 


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Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (MI)

I have never been presented with any affidavit that would provide validity to your assessment, and its my understanding and belief that no such paperwork exists. 

EQUIFAX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I dont know exactly how it happened, but I tried to open a checking account and the bank on XX/XX/year> and told me that there were multiple consumers associated with my social I did a complaint to Experian , XXXX  , XXXX
Consumer complaint received 2022-10-12
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. (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 U.S.C. 1681. 
XXXX XXXX XXXX : acct. # ending in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : acct. # ending in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct. # XXXX, these companies with these accounts have 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 states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states ; No consumer reporting agency can 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 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Let me start by saying I'm XXXX  XXXXand lost all my technology during the winter strong. When the pipes burst in my apartment I list my job due to covid and now wells fargo is stealing my money and still doing it. Tgey refuse twice when my account gas been used by someone else and now they have taken my fema money. Tgey keep taking my account out of getting my statements online. Tgey even tried to not pay me my sign up bonus tgey promised when getting the account. I walk 1 5 miles to bank with them and pay {$35.00} fee almost daily. I cant see my statements from my first closed account and couldn't read the statement if I had them. The bank sent me XXXX  but now stopped sending that. It's a completely disrespectful when I state to them my house was robbed and I was in XXXX  due to a passion charge and couldn't have made these transactions. They lied and stated the charge at XXXX XXXX was made by me bc they use a chop reader. No freaking way does XXXX XXXX use a chip reader. And I was in XXXX. I was not at XXXX XXXX or your bank or heb or sending money to companies online. Not how XXXX  works. 
They feel that I'm XXXX and cant stop them. They make fun of me by sending letters in the mail explaining why they wouldn't pay me back the money that was stolen. It's not funny Wells Fargo.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (CA)

I spoke to Experian on numerous occasions about several accounts on my credit report that was a result of identity theft. Also I called the companies and they keep telling me that the information is factual. 

XXXX. XXXX XXXX -This account was opened on XX/XX/XXXX, the account number that is listed on my Experian report is XXXX in the amount of {$3100.00}. The company address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXXThis account was opened on XX/XX/XXXX, the account number listed on my Experian report is XXXX. The company address is XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

3. XXXXXXXX XXXX  XXXX - This account was opened on XX/XX/XXXX, the account number listed on my Experian credit report is XXXX in the amount of {$780.00}. The company address is po box XXXX XXXX XXXX, NY XXXX. All of these accounts are due to identity theft and fraud. I need them to be removed from my credit report permanently.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 2024-10-10
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. (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-10
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)

I am a victim of XXXXXXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XX/XX/XXXX ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  XXXX XXXX : {$650.00} ; XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The presence of these accounts on my credit report has significantly affected my financial standing. I've encountered challenges in securing loans, obtaining credit cards, and even renting properties due to the negative impact on my credit score. The situation has also caused me undue stress and XXXX, affecting my overall financial well-being.
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ideal Collection Services, Inc. (FL)

In XX/XX/XXXX, my lease with XXXX XXXX  XXXX ended. Due to Hurricane Idalia, I had a verbal agreement with management to extend my stay temporarily, and I vacated on the agreed-upon date. Despite leaving the unit in acceptable condition, including having the carpets professionally cleaned and providing photographic evidence, XXXX XXXX falsely claimed carpet damage and holdover tenancy. These claims were later sent to XXXX Collections without proper validation or evidence. 

On XX/XX/XXXX, I formally disputed the debt and requested : XXXX. An itemized breakdown of charges. 
XXXX. Proof of carpet damage with supporting documentation. 
XXXX. Evidence of holdover tenancy claims. 

While XXXX XXXX provided limited documentation, it was incomplete, inaccurate, and failed to substantiate the debt. 

Laws Violated : 1. Florida Statute 83.49 ( 3 ) : This law requires landlords to provide proper documentation of claims made against a tenants security deposit. XXXX XXXXXXXX failed to provide sufficient evidence to justify the alleged damages. 
2. Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : The debt reported to credit bureaus was inaccurate, unverifiable, and incomplete, violating FCRAs requirement for accurate and complete reporting.

3. Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Ideal Collections reported and attempted to collect on a debt without validating its accuracy or legitimacy, as required under FDCPA 809 ( b ).

4. Florida Statute 83.56 : XXXX XXXX did not issue a formal eviction notice or otherwise follow proper procedures for holdover tenancy claims. 

I am requesting : The immediate removal of this inaccurate debt from my credit report. 
The cessation of all collection activities related to this unverifiable debt. 
Compliance with state and federal laws regarding accurate reporting and proper debt validation.
Consumer complaint received 2022-10-12
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. (NV)

This is my several endeavors 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 alleged fraud or extortion. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2021-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

As recorded in the XXXX XXXX Florida on XX/XX/XXXX, Page XXXX, BK XXXX, I received an Assignment of Mortgage stating that XXXX had assigned my mortgage over to " XXXX XXXX XXXX XXXX XXXX XXXX '' ( See attachmemt ). There is a company by the name of " Carrington Mortgage '' that has been placing information on my 3 credit reports ( XXXX, XXXX and XXXX ) and stated the account was opened with them on XX/XX/XXXX. ( I'VE NEVER HAD A MORTGAGE WITH CARRINGTON MORTGAGE NOR WAS I EVER OFFICIALLY NOTIFIED ) that " Carrington Mortgage '' was assigned to or servicing my mortgage. My original mortgage was with XXXX and as the attached document states it was then " Assigned to XXXX XXXX XXXX XXXX XXXX XXXX '' ( see attachment ) Per XXXX XXXX FL XXXX records back on XX/XX/XXXX BK XXXX, Page XXXX there is a recording of my " Home Affordable Modification Agreement '' that we completed with " XXXX XXXX XXXX LLC '' ( see attached ). NOT AT ANY TIME HAVE I EVER RECEIVED ANY OFFICIAL OR UNOFFICIAL NOTICE FROM XXXX XXXX XXXX THAT MY MORTGAGE WAS ASSIGNED TO OR BEING SERVICED BY " CARRINGTON MORTGAGE ''. Dealing with this " Home Affordable Modification '' was a rip off all by itself which is a seperate issue. Under this program, our original mortgage was only $ XXXX and when they finished, we had a new loan of approx XXXX. ( see attached documents ). CARRINGTON MORTGAGE IS STILL REPORTING ON MY CREDIT TODAY AND MY HOME IS SOLD AND WAS SOLD XX/XX/XXXX AND THE SATISFICATION AND RELEASE OF MORTGAGE WAS RECORDED IN THE XXXX XXXX FL RECORDS ON XX/XX/XXXX, PAGE XXXX, BK XXXX ( SEE ATTACHED ). FROM THE YEAR XXXX UNTIL XXXX " CARRINGTON MORTGAGE '' HAS REPORTED INACCURATE LATE PAYMENTS ON MY CREDIT REPORTS AND THEY charged me XXXX for each online mortgage payment and {$10.00} to {$20.00} for payments made by phone. These pay-to-pay fees are a violation for both consumers mortgage agreements and Florida debt collection law . Carrington marks up the processing fees charged to borrowers for online and phone payments in direct violation of their mortgage agreements. The case goes on to claim that as a Federal Housing Association-approved mortgage servicer, Carrington agreed to charge borrowers only fees permitted by the Secretary of Housing and Urban Development . Per the lawsuit, pay-to-pay fees are not included in HUDs exhaustive list of authorized servicing fees and charges. Moreover, HUD specifically prohibits mortgage servicers from charging borrowers for costs of telephone calls, telegrams, personal visits with the Borrower, certified mail, or other activities that are normally considered a part of a prudent Mortgagees servicing activity, the suit continues. The lawsuit alleges violations of Floridas Consumer Collection Practices Act and Deceptive and Unfair Trade Practices Act, as well as breach of contract and unjust enrichment
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.