davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-31
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. (VA)

In accordance with the Fair Credit reporting Act, the list of accounts below have violated my federally protected consumer rights privacy and confidentiality under USC 1681. 
Account # XXXX Account XXXX XXXXXXXX Account XXXX XXXX  Account XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXX XXXX Have violated my rights per 15 U.S.C 1681 section 602A, I have the right to privacy 15 USC 1681 section 604A section 2, states a consumer reporting agency can not furnish an account without my instruction.

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

15 USC 1681 s-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 the believe that the information is inaccurate.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Dispute Department : EXPERIAN LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA. 
If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account. 
The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX  INACCURATE INFORMATION AFTER ASKING 4 TIMES TO ACCOMMODATE MY ACCOUNT Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance with the FCRA. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-16
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. (AR)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following items removed from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00}
Consumer complaint received 2022-09-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I got an email on XX/XX/2022 stating, " Dear Applicant : You are receiving this notice because you applied for a NetCredit product through XXXX XXXX. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : '' I never applied for this. I tried calling this company because the email also showed this : XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX Account # : ******* XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX Which made me think and ask the first person who answered did someone open an account with this company in my name. The person hung up on me. 

I called back and asked for a manager and was put on hold for over 20 minutes at which time I hung up.
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-10-23
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-09-18
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: Credit Karma (NY)

Is about. L credit karma I been a user for years Im in touch with the news about credit karma misleading our approvals and I have a bunch of hard inquiries because of that reason on my account they would say My approval odds would be fair but then. When I go apply through the link I still get denied cause of my score so it adds a hard inquiry because of there suggestions so please verify and take a look at my inquiry
Consumer complaint received 2022-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I was sent a WIRE TRANSFER from another Bank to my Bank of America Checking ( account # XXXX ) for {$5000.00}! Around XXXX they found the {$5000.00} using a Tracking number. Since XX/XX/2022, Bof A has not credited my account. I am XXXX, have been a Bof A customer for 52 years and they are treating me as the Nano-Particle I am, my {$5000.00} compared to their {$500.00} XXXX net worth! 
On or about XX/XX/XXXX my Banker at the XXXX XXXX. branch enrolled me in the Bof A Customer Complaint Section because he could not get any answers as to where the {$5000.00} was. The contact person at BofA Corporate, XXXX XXXX, can be reached at XXXX, ex XXXX. I was told that the Dept. handling the issue is understaffed and behind for about 6 months. The Customer Relations peersin mentioned her investigation may take 4 to 6 Months. HELP! XXXX XXXXXXXX
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

In XX/XX/XXXX, I launched a checking account at Chase with a coupon that will reward {$500.00} if I have met the direct deposit requirements in the following months. After that, I have fullfilled the requirements by Chase, but I have never received the bonus until today, XXXX.
Consumer complaint received 2022-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

In XX/XX/XXXX, I filed a XXXX  XXXX bankruptcy to stop a foreclosure sale on my property. The notice of bankruptcy filing was received by the company ( Mr. Cooper and XXXX ). But on the day of the scheduled foreclosure sale, they sent a company to my home to change the locks. Those individuals went into my home and stole many items from my home. Also, my XXXX son was in the home during that time and thought that it was a burglary. He was terrified. He called me on the phone and I left work to get to my home. 

I have a copy of the work order and the police report that I filed. I also have a video, because I had cameras in my home at the time. On a different date, they also put a lockbox on my home so I couldnt enter. All while I was in a XXXX  XXXX bankruptcy. 

Also, in XXXX, I filed another XXXX  XXXX bankruptcy and contacted the loan servicer to make my payments. XXXX XXXX The Loan servicer ( Mr. Cooper ) told me that my payments were {$940.00} and I was paying that amount. XX/XX/XXXX, the the mortgage company ( XXXX XXXX XXXX XXXX  XXXX ) filed for a relief from stay sighting that I was paying the wrong amount. They said the correct amount was {$2500.00}. I feel they intentionally misrepresented the payment amount. Then on XX/XX/XXXX, they sold my property at a foreclosure sale.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I received a wire transfer from a family member of {$6000.00} for college and living expenses. After using my debit card twice, USAA blocked my card, and told me they would be closing my account down without any reason specific other than they have the right to. I never had any fraudulent activity with USAA or any financial institutions. I keep calling them everyday asking for a closing date but every agent gave me a different response each time I called. I still dont have access to my funds or the account.
Consumer complaint received 2022-12-29
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. (NC)

I have carefully reviewed my credit report in EXPERIAN. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately! 
XXXX XXXX XXXX  XXXX, NC, XXXX. 
XXXX XXXX XXXX*** Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2022-09-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- LENDMARK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
Consumer complaint received 2022-07-29
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. (TX)

In accordance with the Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-09-23
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. (UT)

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXXXXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX 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 XXXXXXXX, XX/XX/XXXX ( XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. # # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Balance : {$100.00} XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XX/XX/XXXX Direccin : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX These accounts are either fully paid or incorrectly reported, and their continued reporting is a violation of my rights under the FCRA, as it misrepresents my credit history and unfairly impacts my creditworthiness. # # # Legal Basis for My Dispute : The FCRA mandates that consumer reporting agencies and furnishers of information ensure the accuracy, fairness, and privacy of information included in credit reports. The unauthorized inquiries and misreported collection accounts violate the following sections : - 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports, restricting access only to those with legitimate authorization. - 15 U.S.C. 1681s-2 ( b ) : Responsibilities of furnishers to correct and update information after receiving a dispute. - 15 U.S.C. 1681e ( b ) : Ensuring maximum possible accuracy of the information contained in consumer reports. Additionally, the Federal Trade Commission ( FTC ) has issued clear guidelines supporting consumer rights in such disputes. Failure to rectify these errors promptly could lead to further legal action, including penalties under the FCRA