davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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. (GA)

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX ( SHOULD NOT HAVE A BALANCE REPORTING ) XXXX Account Type : Installment I Account Type - Detail : Auto Loan Bureau Code : Individual In Account Status : Closed Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$17000.00} No. of Months ( terms ) : 72 High Credit : {$37000.00} {$37000.00} {$37000.00} Credit Limit : Past Due : {$1800.00} Payment Status : Late 30 Days Late 30 Days Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed Customer disputed account - reported by subscriber. 
Involuntary Repossession Auto : reported by grantor XXXX, XXXX and Experian is a financial institution by definition under that title. 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked. 15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.
Consumer complaint received 2024-10-14
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. (OH)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX  under the account number ( XXXX ), an account opened at XXXX XXXX XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX under the account number ( XXXX ), an credit card account opened at FIRST PREMIER under the account number ( XXXX ) an credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX under the account number ( XXXX ) and a collections account opened at XXXX XXXX on XX/XX/year> with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-14
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. (CA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2016-11-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (OH)

I attended XXXX XXXX XXXX and because I was n't able to get enough Financial Aid to cover the classes, they offered a " Temporary Credit Agreement. '' This meant that I could take classes without paying for them until I graduated. I have paid on the " Temporary Credit Agreement '' since I XXXX in 2013, but recently XXXX XXXX XXXX closed. I do not believe that their promise to help me find a career was fulfilled, and now that they are closed this will remain the case. Since their accreditation is under scrutiny, I feel I am paying for classes that did n't provide me with the education I paid for. Now that XXXX XXXX XXXX is going through bankruptcy, I ca n't get any information on how to forgive the " Temporary Credit Agreement '' through the collector.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL (IL)

I called syncrony Bank regarding an account. They stated that the only account they had was a paypal credit account with my social security number but incorrect name. And that the account was opened in XXXX payments were made however the account was sold to a XXXX XXXX XXXX XXXX during XXXX in XXXX they started the process. How can they sell an account during XXXX and how can they do that without informing the right party. 
There is no contract with this XXXX XXXX XXXX XXXX who served papers and even used a shadylegal company coming to my door knocking like criminals. I asked Syncrony bank for detailed information as that is not my name. If they have something with my name then use my correct name. Many people do not know what happened during XXXX The name it is under is XXXX XXXX which does not exist noone with the name of oruc never existed never will - my name is XXXX XXXX with the social number ending in XXXX they are using. I want all documents
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2017, I pulled my credit report from Experian. After examining the report I noticed several accounts that were past the 7 year date and was still on my report. ( XXXX # XXXX ) and ( XXXX # XXXX ). I wrote a letter to Experian and requested that these accounts be removed. On XX/XX/2017 I sent this certified letter ( see attached ), requesting that this information be deleted immediately. Today is XX/XX/2017 and I have yet to hear from Experian. Please assist in having these invalid accounts removed from my credit report.
Consumer complaint received 2024-10-14
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. (TX)

I HAVE PROVIDED THE LEGAL DOCUMENTATION FOR FRAUDULENT INFORMATION TO BE REMOVED OFF OF MY CREDIT REPORT. SO FAR NOTHING HAS BEEN DONE FROM THE DATA FURNISHERS NOR HAS EXPERIAN OR XXXX COMPLIED WITH MY REQUEST. ACCORDING TO THE FCRA IF THE DOCUMENTATION HAS BEEN FOUND LEGIBLE AND I HAVE SUPPLIED THE CORRECT DOCUMENTS STATING I AM A VICTIM OF IDENTITY THEFT THE CREDIT BUREAUS ARE SUPPOSED TO REMOVE THIS FRAUDULENT INFORMATION WITHIN FOUR BUSINESS DAYS. 

EXPERIAN NOR XXXX HAVE RESPONDED OR REMOVED THIS INFORMATION MY FTC REPORT NUMBER IS # XXXX. ALSO DOWN BELOW I HAVE INCLUDED ALL OF MY INFORMATION THE FTC REPORT AND MY IDENTIFICATION AS WELL.
Consumer complaint received 2024-10-14
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. (TX)

Hello and good day, please take this complaint seriously as this has caused me undue stress and XXXX  because I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by Experian. I have sent in this report but this fraudulent item still remain.
Consumer complaint received 2024-10-14
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. (IL)

My credit report has errors connected to 15 USC 1681c-2, showing inquiries I did not authorize. These mistakes are harming my credit. Please remove all unauthorized hard inquiries.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I received a text message from what I thought was Truist Bank asking about a fraudulent charge. I replied No that I did not charge that amount. I then got a call from this number which was an XXXX number so I assumed it was Truist calling to confirm my charges. The person introduces their selves nicely and give me an agent code. Asking if i authorized any XXXX transactions. I had not so I told XXXX that. He verified my information, then says XXXX in their XXXX department has to help me reverse the transaction. He sends another request through my phone and I accept it. Next thing i realize this is fraud b/c it took out {$1800.00} out of my account. Then another transaction was approved for {$120.00}. I immediately drive to my closest local branch and ask for help. The lady says this is fraud and to hang up. I did. I immediately reported to my bank and through the fraud line. They said I had to wait until it went through for them to investigate. I called back the next day ... .they opened an investigation. However, they never received my documents. They denied any fraud b/c the transaction came through my phone. However, the lady at the bank witnessed this person being a bank impersonator. It is clear it was fraud. To this day, ever after the local branch XXXX asked them to reopen the case, Truist has not. I just wish for my claim to be investigated as i am now out a total of {$2000.00} due to fraud.
Consumer complaint received 2017-01-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Express Aviation (TX)

Back In 2016 i enrolled myself in XXXX XXXX XXXX, I was enrolled for 18 months out of that 18 months i only completed 6 months when the school closed unexpectedly on XXXX XXXX, 2016 in XXXX XXXX. During the enrollment process i was granted a private loan From ASFG for XXXX and this lender is still wanting to me to pay for a school that no longer exists and the owner was granted a Chapter XXXX Bankruptcy
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, XXXX  XXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of invalid phone numbers that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX Social Security Number ( last 4 digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number ( s ) to be Removed : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( State ID ) and a bank statement to verify my identity and address. 

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX **Attachments : ** - Copy of ID - Proof of Address -- -
Consumer complaint received 2016-07-12
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GREAT LAKES (OK)

I was a victim of battery, discrimination, and fraud by faculty at the University XXXX Oklahoma XXXX XXXX XXXX XXXX XXXX XXXX at the end of my XXXX year in 2015. Also, XXXX faculty member told me he would wrap me up in a blanket and beat me at some point in the future. According to my Federal Student Loan Master Promissory Notes all of my Federal Student Loans should be immediately discharged when I am a victim of a crime. 

Currently, the XXXX XXXX XXXX XXXX, Great Lakes XXXX XXXX XXXX, has given my XXXXCredit Bureau " bad '' information by saying I am late in making payments on Federal Student Loans. On another note, I can not get a job today, since I have been unemployed for over nine years, preparing to be XXXX in school, and do not have a XXXX to practice as a XXXX.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (FL)

I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as date and place this account was opened and information regarding the payment history as this account is unknown to me, i have no records of owning this account.
Consumer complaint received 2024-10-14
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)

To my disbelief, inaccurate accounts appeared on my credit report out of nowhere today, and I can't understand why. Ive been diligent about checking my report, and suddenly, these discrepancies popped up. I thought maybe it was a browser issue, so I refreshed it, but nothing changed. Im beyond frustrated and need the documents Ive submitted to be properly reviewed, so this kind of mistake never causes me stress again.
Consumer complaint received 2024-10-03
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)

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am demanding the immediate removal of several unauthorized inquiries from my credit report. These inquiries were made without my knowledge or consent, which raises serious concerns about identity theft or a blatant violation of my rights under the FCRA. Under Section 604 ( a ) ( 3 ), the FCRA strictly requires credit reporting agencies to have a 'permissible purpose ' to access or share my report. These unauthorized inquiries are illegal and do not fall under any permissible purpose. I expect these inquiries to be removed from my credit file without delay XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

About 2 weeks ago I went online to Wells Fargo.XXXX to see what credit card interest rate was available for a card with a balance transfer option. I entered in all of my personal information expecting a rate indication. Instead, Wells Fargo issued a credit card I did not want. When I tried to immediately cancel the card, I was told that I had to wait until the card was issued. Damage done. I cancelled the card, which had negative implications on my credit score.
Consumer complaint received 2024-10-14
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. (LA)

There are inaccuracies on my credit report under 15 USC 1681c-2. The hard inquiries included were not approved by me and are impacting my credit score. Kindly remove the unauthorized entries.
Consumer complaint received 2024-10-03
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 trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (CO)

I have received letters and phone calls from this debt collector demanding that I pay a fraudulent PayPal debt. The debt is not mine and I have no knowledge of where it came from or how it became associated with my name. The phone calls from the company are harassing in nature, accusing me of lying and deceiving them when I refuse to turn over my personal contact information.
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

I am the cosigner on this loan. Payoff payment was incorrectly applied to multiple loans rather than being applied to a single loan for payoff. Borrower contacted AES about the incorrect payment application and they responded that it would take 7-10 days to correct the misapplied payment. After 10 days the payment was still not correctly applied and the loan, which should have been closed at this point, was still open with a balance and continued reflecting on borrower 's credit report and my credit report. This was after multiple phone calls during the 10 day period in which they assured the borrower that the payment would be properly applied. During borrower 's most recent call the original representative would not transfer him to a supervisor. After being transferred to another representative and waiting, borrower was finally transferred to a supervisor. The supervisor informed borrower that it was not possible for them to immediately apply the payment. AES was not able to correct the misapplied payment and the loan is still showing as outstanding, affecting both the borrower 's and my credit report and score.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-14
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. (CA)

I've noticed unauthorized inquiries on my credit report, which I did not authorize. This is a serious concern as it may negatively impact my financial standing. I request a thorough investigation into this matter.