davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-30
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. (GA)

I sent letters to Experian, XXXX XXXX XXXX XXXX and I still haven't received anything back. I am in the process of purchasing a house and this damaging information is interrupting the process. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX They have 30 days to respond to my disputes. This is a violation of my rights. I contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off reports. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 
Of which is a violation.Please reinvestigate accounts below and delete this incorrect information or accounts from my corresponding reports. 

Since no response was received all accounts should be deleted Immediately. 

Accounts that need to be investigated and deleted promptly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquiry I didn't authorize XXXX XXXX XXXX XXXX XXXX Inquiry I didn't authorize XXXX. XXXX XXXX XXXX Inquiry I didn't authorize. 

Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : None Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports. 
Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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. 


If any of the purposes are not present please investigate and delete from my credit report.
Consumer complaint received 2023-03-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-29
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. (LA)

As outlined in the Fair Credit Reporting Act ( 15 USC 1681, section 602 ), there is a critical need to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX, Experian, and XXXX are consumer reporting agencies, and as a consumer, I have the right to protect my private information from being shared, as supported by 15 USC 6801, which states that Congress has established that financial institutions have a continuous obligation to honor their customers ' privacy and safeguard the security and confidentiality of nonpublic personal information. 

XXXX XXXX XXXX, as a financial institution, falls under this definition. Additionally, 15 USC 1681, section 604 ( a ) ( 2 ) specifies that consumer reporting agencies may only furnish a consumer report under specific circumstances, primarily with the written consent of the consumer involved. Neither XXXX XXXX XXXX nor the consumer reporting agencies XXXX, Experian, and XXXX have my consent to share this information, and I have not provided any written consent. Any previous consent given to XXXX, Experian, or XXXX, or XXXX XXXX XXXX, whether verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) indicates that a financial institution can not disclose nonpublic personal information to unaffiliated third parties unless the consumer is informed about how to opt out of such disclosures. I was never informed of my right to exercise this nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from reporting certain adverse information that predates the report by more than XXXX years without proper authorization. This account is being reported as adverse information without my permission, which is unlawful. 

Moreover, according to XXXX XXXX XXXX XXXX ( A ) ( XXXX ), no person should furnish consumer information to any reporting agency if they know or reasonably believe that the information is inaccurate. According to 15 U.S. Code 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and to limit consumer report furnishing to the purposes outlined in section 1681b. Clearly, XXXX, Experian, and XXXX are not adhering to reasonable procedures. Lastly, as per 12 CFR 1016.7, consumers have the right to opt out at any time. Therefore, I am formally opting out of your reporting services.
Consumer complaint received 2023-02-14
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Section 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX
Consumer complaint received 2023-03-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XXXX is reporting reporting a delinquent account from Bank of America which was beyond the XXXX  year statute of limitations. According to the information XXXX is reporting the last payment on the account was in XX/XX/XXXX. As of XX/XX/XXXX, XXXX refuses to remove the negative information which is over XXXX  years after the first delinquency. Bank of America continues to report the account as of XX/XX/XXXX, which based on their records is over XXXX  years after the first delinquency. Their refusal to comply with the law is having a significant negative impact on me. I believe they are discriminating against me due to my age, gender and/or race.
Consumer complaint received 2024-10-29
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. (MI)

It was incredibly upsetting to find inaccurate accounts on my credit report this afternoon, and Im at a loss as to how they appeared. I regularly check my report, and this time, unexpected discrepancies were there without any explanation. I even tried refreshing the page, hoping it was just a glitch, but the incorrect accounts remained. Given this situation, I am requesting a thorough review of the documents Ive provided so I can feel secure about my credit once again.
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Chex Systems has furnished improper and inaccurate information on my consumer report, this information has been reported without my permission or written instruction. Due to the negative nature of the incorrect information, I have experienced hardship. My rights have clearly been violated because they have failed to validate charge off amounts on XXXX separate accounts. 

The first being XXXX XXXX  Corporation Original Charge Off amount of XXXX is incorrect. 

The second is XXXX XXXX, I did not owe them any money, yet Chex Systems is reporting a {$260.00} charge off, I have requested they furnish validation information such as a contract with my signature on it with both of the banks and they have failed to do so. 
In accordance with FCRA this must be immediately deleted if they can not produce the proper documents within 15 days. 

Inquries found on my ChexSystems report do not belong to me and are unauthorized and unrecognizable, due to this I have attached FTC reports to my complaint as well. These inquiries include Inquirer : XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX, XXXX TEXAS, TX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXX, UT XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX, XXXX TEXAS, TX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX # XXXX,
Consumer complaint received 2023-03-30
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. Please delete.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I'm trying to close my IRA and transfer the funds ( about {$3700.00} ) to my checking account with Citibank. I first visited a branch in XXXX XXXX XXXXXXXX XXXX  in early XXXX and advised it could not be done at a branch. 
I was given XXXX pages of forms to complete and send to a processing center in XXXX XXXX, XXXX which I did on XX/XX/2023. When nothing happened after about XXXX weeks, I called them and was told my SIN on the forms did not match their records. I doubled checked it with the rep over the phone and was told there was nothing they could do and hung up on me. I called back and got the same result. 
Last week I then went to the the Citi branch at XXXX XXXX XXXX in XXXX XXXXXXXX XXXX for assistance and my actual Social Insurance card to show the number matched that submitted on the original forms. After much delay and confusion they could not help me. 
I'm entirely frustrated by Citi 's inability/willingness to make my retirement savings accessible after numerous attempts and without any explanation. 
This is obviously a relatively small amount, but for comparison I was able to withdraw IRA funds from a XXXX XXXX branch getting a cashiers check for a much greater amount and in under XXXX minutes.
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

XXXX XXXX XXXX XXXX XXXX, XXXX CA, XXXX To Whom it May Concern, I, XXXX XXXX, had an account with XXXX XXXX XXXX XXXX XXXX. Due to COVID-19, I became unemployed and started applying for multiple jobs. Unfortunately, someone opened multiple credit accounts under my name without my knowledge. Although I was offered a deferred payment option, I could not take advantage of it due to my unemployment status at the time. However, XXXX XXXX XXXX XXXX XXXX processed the deferred payment without my consent, which caused a delay in bringing my account to a current payment status.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Hello, CHASE closed my bank account without any reason on XX/XX/XXXX and promised to return my balance of around {$12000.00} via a check within 10 business days. However, it has been almost six months now and CHASE has yet to return my balance to me. Despite my numerous phone calls and visits to CHASE, I have only been told that they are still investigating the matter. I am puzzled as to why they are able to hold onto my money for such a long period of time, and I would like them to return my money as soon as possible. Today is XX/XX/XXXX.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to formally file a complaint against XXXX XXXX XXXX and XXXX  XXXX XXXX regarding unauthorized hard -off and a collection account by [ Collection Agency Name ] that I believeinquiries and incorrect charge-off account on my credit report. On XX/XX/year>, and XX/XX/year>, hard inquiries were reported on my credit file without my knowledge or authorization. These unauthorized inquiries have adversely impacted my credit score and subsequently led to the denial of future loan applications.

Additionally, my credit report reflects a few charge off to be inaccurate. I did not default on the account that was charged off, nor have I received any proper notification regarding the collection account. These errors are further harming my credit standing and do not accurately represent my financial history or payment behavior. 

Upon discovering these issues, I promptly contacted XXXX, XXXX and Experian credit bureau to request the removal of the unauthorized inquiries, incorrect charge-off, and the inaccurate collection account. Despite my efforts and clear communication that these were not authorized or accurate, all parties refused to take corrective action. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of reported information and requires that inquiries be authorized by the consumer. 

The unauthorized inquiries, incorrect charge-off, and inaccurate collection account have caused significant harm to my financial standing. Their removal is essential to restoring my creditworthiness. I respectfully request the Consumer Financial Protection Bureaus intervention to investigate this matter and enforce the immediate removal of these items from my credit report.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. 

all three credit bearus have been notified and have not updated their records.
Consumer complaint received 2023-03-30
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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 Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2024-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I am a victim of identity theft and fraud. A man, posing as a bank security representative, called me while using a phone number registered with PenFed Credit Union. Gaining my trust, he then contacted my bank, PenFed Credit Union, pretending to be me. This deceitful scheme allowed him to hack into my account. He charged unauthorized purchases to my PenFed Credit Union credit card, submitted applications for XXXX consumer loans in my name, and drained all the funds from each of my account credit card, leaving me with devastating financial consequences. The man also purchased items from XXXX, and XXXX using my identity and funds. 
The man seemed to be XXXX. They used XXXX XXXX, XXXX and XXXX to funnel the funds from my bank account. The XXXX and XXXX names were : " XXXX XXXX '' and " XXXX XXXX ''.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My information is being misused by the company per 15 U.S. Code 1681e my consumer report is not reflecting maximum possible accuracy. They are still reporting a debt that is no longer outstanding after I have informed them about it. I even submitted proof that the alleged debt is no longer outstanding with the proper legal documentation. They have failed to grant my request as a federally protected consumer. Now I am suffering from having inaccurate information reporting on my credit report and this is causing me financial hardship.
Consumer complaint received 2022-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I have a XXXX XXXX credit card with XXXX that has been fully paid off since XX/XX/XXXX. I received a surprise credit score change of near XXXX points on all 3 major credit bureaus. The credit score change was due to a delinquent balance at XXXX for a {$99.00} annual fee charged on XX/XX/XXXX. I never received a delinquent notice to my email or mailing address prior to XXXX reporting this delinquent balance. I had a credit score of near XXXX before this and I have never missed a payment in my life. After multiple attempts at contacting XXXX to resolve this, I got the run around. I was not aware that I had a {$99.00} annual fee on XX/XX/XXXX. XXXX told me they would notify me in advance when I applied for this card on XX/XX/XXXX, but I never received this notice. I have not used this credit card since XX/XX/XXXX and had lost my login information to the mobile application. I trusted XXXX to send me balance statements and notifications via email or mail, but I never received them. Again, this was an annual fee and not a purchase balance I had. A soon as I was notified by the credit bureaus about this delinquent account I called XXXX and paid off the annual fee of {$99.00} on XX/XX/XXXX. I greatly appreciate XXXX to remove my delinquent inquires immediately due to them not notifying me in advance. Thank you.
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

A company called 5/3 Bank purchased my loan from XXXX XXXX. The new mortgage holder has recently paid the taxes on the house as required. This puts the escrow balance to a negative XXXX. This happens every XXXX when the taxes are paid. 5/3 bank has claims that my escrow shortage is {$7400.00} and because of that I must pay an extra {$610.00} monthly in order to catch up on the escrow balance. Their are wrong! Here are the escrow details. My annual insurance is {$1700.00} and the taxes are {$7300.00}. Which total XXXX a year or {$750.00} a month. But 5/3 bank wants me to pay {$1300.00} a month escrow. That calculates out {$16000.00} in escrow paid over the next 12 months. But the amount of my insurance and taxes combined is only {$9000.00}.