davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
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. (CA)

In accordance with the Fair Credit Reporting the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX - ACCT # XXXX DEPT OF ED/XXXX- ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX XXXX- ACCT # XXXX XXXX - ACCT # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A subsection 2 further states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states that 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 the records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RENASANT CORPORATION (GA)

On Tuesday evening XX/XX/XXXX my checking account had a balance of XXXX dollars. There were no pending transactions. I was unable To login to my account Wednesday morning for XXXX-XXXX to check my balance. Around XXXX XXXX I checked it and my balance was negative XXXX .... I immediately transferred money via instant deposit via my XXXX account for XXXX which brought my balance back to a positive status ... later that afternoon I checked it again and after making that deposit they proceeded to return two ach transactions and charged me two return fees of XXXX dollars. Those two transactions never had a pending status they were posted as if they were checks written when in fact they were ach withdrawals for payments done online.. both were under 30 dollars. Every other ach payment made will process as pending and then completed .. these two just popped up On XXXX as being posted on XXXX. As stated as soon as I was able to transfer money over o did but they returned them anyway and charged me XXXX x2. That is no way to handle your customers account .. it makes a difficult situation just that much harder and I dont appreciate the way they manipulate they system to benefit them. U cant deposit money in a local branch atm it doesnt get applied to your account for two days.. the only way to deposit money is instantly like I did and they still sent back those payments despite the fact it had been covered. I want the return fees credited back. I will be changing banks. I cant win for losing with them and have had enough of them taking my Money amd taking advantage.
Consumer complaint received 2023-12-27
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: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-12-27
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. (NH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-10
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)

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2023 Experian Dispute Department po box XXXX XXXX, TX XXXX Re : Dispute of Negative Information Capital XXXX Account # XXXX Dear Experian Dispute Team, I am writing to formally dispute the negative information on my credit report related to the XXXX XXXX account with the account number # XXXX. This account is adversely affecting my reputation and credit score. 

Under the Fair Debt Collection Practices Act, 15 U.S. Code 1692 ( d ) ( 2 ), I am entitled to request the immediate removal of inaccurate or unverified information from my credit report. I hereby request the removal of the mentioned XXXX XXXX account from my credit report, as it is adversely affecting my financial standing. 

I kindly request that Experian conducts a thorough investigation into this matter and promptly removes this negative information from my credit report. I believe this action is essential to ensure the accuracy and fairness of my credit history. 

Please provide confirmation of the removal of this account once the investigation is completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-16
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. (NY)

This is my second written request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me and you have previously removed but now it came back as a collection. Please block these account, note that there might some accounts that a not showing in my credit yet. I'm currently receiving collection mail from different place, I will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID and SS. 

Thank you.
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC (NJ)

My mortgage was sold in XX/XX/2023 to Roundpoint Mortgage Servicing LLC. Somehow in the transfer my homeowners insurance was not paid. It should have been paid through my escrow account. I was without insurance from XXXX which I was not aware of until I received a notice of cancellation. 

They have informed me that they will charge me for insurance they plan to buy unless I can provide proof of insurance for dates above. The problem is they want to charge me at 5X 's the rate of what I currently pay in the amount of {$5000.00} annually. I can not prove proof of insurance because I did not know I was cancelled. They dropped the ball in the transfer. 
I do not think I should have to pay 5X 's what I pay now because of their mistake. I find that totally unfair.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute and request the immediate removal of the late dates of certain entries on my credit report, specifically accounts related to XXXX XXXX and XXXX. I submitted a request for information regarding these alleged debts. Regrettably, as of today, I have not received any correspondence from them in response to my request. It is critical to note that these companies have failed to provide sufficient information to verify the debts in question, even after being given ample time. The lack of communication or response from them is both concerning and a violation of standard credit reporting practices. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2023 XXXX notified me of suspecious activity on my credit report. An unauthorized person applied for credit in my name without my knowledge. Because I am a victim of identity theft and fraud a fraud alert was placed on my credit report for 5 years. It is still active!
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed :
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. The accounts in question are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I want to bring to your attention that the respective bank/creditor, upon being made aware of this issue, has agreed to remove these accounts from their records. The other credit bureaus, Experian and XXXX, have promptly followed suit, acknowledging the error and removing the entries. I am deeply confused and annoyed as to why your bureau has not taken similar action despite being aware of the fraudulent nature of these accounts. As a victim of identity theft, I demand that you comply with the law and follow the standard procedures established by other credit bureaus. It is both frustrating and infuriating that my repeated requests seem to be ignored. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2020-05-14
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. (GA)

I was a victim of Equifax breach in 2018. My account and personal was used in fraud and has been reported on my credit report as debt owed. In addition, I have not been able to access my credit report with equifax or dispute these fraudulent debts.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have lots of names and addresses on my consumer report that are not mailable addresses and not my XXXX giving name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX all not mailable addresses
Consumer complaint received 2020-05-14
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: EQUIFAX, INC. (FL)

According to the FCRA, any item that is proven to be inaccurate has to be removed from my credit reports. Please note that XXXX  is reporting inaccurately and the account lists many inconsistencies. This item was in dispute with XXXX on XX/XX/2020 and somehow it returned valid. I immediately sent over a MOV ( method of verification ) and it returned as remain on XX/XX/2020. The report number is XXXX. I havent received any paperwork on this account and the bureau ignored my request for the proper MOV. How were you able to verify so quickly and HOW? I feel like I am being treated unfair and this company is being allowed to destroy my credit reports and character. My reports are a reflection of ME. 
This item needs to be removed from all three of my credit reports as it is in fact reporting inaccurately.
Consumer complaint received 2023-12-27
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. (SC)

Experian, the reporting agency unlawfully used principal 's personal identifying information in an unauthorized way, by committing fraud and misrepresenting principal 's intent without principal 's consent. Experian fraudulently placed the following " personal statement '' on principal 's credit report, claiming to be the principal, without the consent and authorization from principal or agent for principal, and without attempting to obtain such consent and authorization from the principal or the agent for the principal : " PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' This is an unlawful and gross unauthorized use of personal identifying information, in what I believe to be a long going series of discriminatory, fraudulent, false, deceptive and misleading business practices as well as privacy crimes, in order to negatively effect the principal in question 's free exercise of his rights in commerce, and to unjustly gain from keeping a certain demographic of consumers in lower scores than should actually reflect by using these said unlawful practices. 

The principal had recently notified the CFPB and reporting agencies of unauthorized inquiries on the principal 's credit report. In what I believe to be discriminatory retaliation, and what I know to be fraud, and unauthorized use of PII, instead of Experian immediately removing the unauthorized inquiry, Experian, fraudulently placed a fraud alert on the principal 's credit report without the principal 's or the principal 's agent 's consent, and wrote it from the XXXX point as if the principal wrote it, and disclosed further personal identifying information of the principal without the principal 's consent. This fraud upon the principal is clear, and the fact that, Experian, did not remove the unauthorized inquiries yet, as of this notice, is further prime facie evidence deceptive practices, showing they are quicker to do an unlawful and fraudulent act, before they carry out their fiduciary duty to protect consumer 's privacy, and conduct business strictly within the intentions of the United States of America XXXX XXXX, outlined in the provisions of the Fair Credit Reporting Act, and other applicable enacted statutes and regulations. 

This notice will stand as an addition to the record of the ongoing series of discriminatory events regarding Experian, and other reporting agencies involved, compiled for private action.
Consumer complaint received 2023-12-27
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: Experian Information Solutions Inc. (IN)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
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. (TX)

On XX/XX/, I sent out 3 letters to have these inquiries removed but I once again reviewed my credit report and found the same unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I asked that they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete it.
Consumer complaint received 2023-12-27
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)

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. 
The names on my credit report personal information are different people different spellings I have never applied for a card under these aliases or a loan under these aliases and addresses
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

Both my wife and I have opened new accounts, they were unwilling to change the deposit tier so I have attempted to transfer money from my account to her account a number of times and they have placed numerous security holds on the transactions. I have called numerous times to lift the holds only to have them placed on the account again. They have not been willing to lift the holds or offer any explanation for denying me access to my money.
Consumer complaint received 2023-12-27
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: Experian Information Solutions Inc. (GA)

XXXX XXXX is trying to collect an alleged debt. They have violated my rights by calling, texting and sending people to my home at inconvenient times of the day and night. This is abuse according to the FCRA and the FDCPA. Also, the interest rate when added into the fiance charge is incorrect according to TILA.
Consumer complaint received 2023-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

loan was taken out on XX/XX/XXXX   ( 6 mos ) XXXX XXXX XXXX AMOUNT XXXX $ I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2019-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

so i was applying to jobs and i applied to this XXXX XXXX job on XXXX, after like 2 weeks the " doctor '' emailed me back. Everything seemed legit, he gave me a letter of employment and all the details of the job, it was for the XXXX XXXX XXXX supposably, and so we started working from there. he said the office is under construction and in 2 weeks it will be open. he said i had to handle his personal finance, book meetings and trip, basically everything an XXXX  does but at first i didnt notice these red flags. we talk more and more then after a while after he wire transfered me {$19000.00} TO MY BANK ACCOUNT. At first i was like in shock because i never had so much money but i had no knowledge about wire transfers and money scams so i was definetly a easy target. i had to transfer funds from my bank account to XXXX XXXX and what not but i aint smell a bit of scam because the doctor actually provided proof that it was all for the XXXX XXXX XXXX. I called the bank to check the wire again and see if its legit, i reserached everything, the doctors name, phone number, scam websites, searched his email and everything and i did not find one thing so it all seemed legit. i asked the doctor a million questions about himself and he answered them. But i couldn't just keep this wrong feeling in my heart even though everyhting seemed real and legal, thats why im reaching out to you guys because im a miltary XXXX and i cant have a messed up credit, or be in debt or any problems. i quit the job respectfully because i felt something was wrong.