davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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 clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 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 information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

In XX/XX/year>, I applied for a XXXX XXXX XXXX which was issued through Comenity Capital Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I charged a portion of my upcoming vacation ( at the end of XXXX ) and paid the balance in full on XX/XX/year> ( the amount was {$8500.00} and check number was XXXX ). I checked my banking a week later as I knew the bill was due on XX/XX/XXXX and noticed that the check wasn't cashed. When I called XXXX they reassured me that they would take care of it in time and advised me to call back by the end of the week ( XX/XX/XXXX ). When I expressed my concern that there would not be enough time for my balance to be clear and still be able to use my card, they again reassured me that there would not be a problem. I monitored my banking but realized that they still hadn't cashed my check, and the due date had come and gone. I called back on XX/XX/XXXX and made a minimum payment ( {$86.00} ) as I was going to XXXX in a few days and wanted to use the card I asked to speak with a supervisor. He took a report and gave me the confirmation number of XXXX. My call was abruptly disconnected, and he never got back to me. On XX/XX/XXXX, I put a stop payment on the check with my bank. When I went to use my card in XXXX, I was unable to do so and called them again and they stated I was unable to use my card because I put a stop payment on the check which was their policy. I paid the entire balance off in XXXX ( {$8900.00} ) but noticed that I incurred a finance charge ( {$130.00} ), an interest charge ( {$110.00} ) and a cancelled check fee ( {$30.00} ). I called back again on XX/XX/year> and the person taking my complaint claimed she would take the report and send it " upstairs '' for review. However, I never heard back from anyone any of the times I contacted them. I also requested to have my Rewards Balance of {$270.00} refunded to me but she claimed her system was down and wouldn't be able to process it. She also said that I was unable to use my card for 90 days because of the stop payment I put on my original check. 
I firmly believe that this company is engaging in deceptive and unfair practices and using punitive interest fees and late fees to make an extra charge. Moreover, none of my questions were ever answered satisfactorily, no supervisor from the company ever got back to me ( except to state that they were not excusing the stop check fee ( Which they charged me twice for! ) I was counting on using the card in XXXX so as to not incur additional fees ( which they advertised and was told when I applied for the card ). I was unable to do so and feel that this company ripped me off as this is considered commonplace for them.
Consumer complaint received 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (NJ)

Freedom Mortgage Loss Draft handling company - XXXX  has possession of checks for about {$45000.00}. We need to endorse the checks and send them back the checks with additional documentation. They have the checks with them since XX/XX/year>. Multiple phone calls were made and finally they admitted to sitting on the checks and that they would overnight the checks to us for endorsement and then provide labels to return the same to them with documentation. They haven't done this either. Multiple emails have been sent with no response from them. Further calls to them are also dead-ends- with them asking us to call back in a " few days ''. 

XX/XX/year> The insurance claim check has been deposited into your restricted escrow account. 
{$18000.00} XX/XX/year> The insurance claim check has been deposited into your restricted escrow account. 
{$4000.00} XX/XX/year> The insurance claim check has been deposited into your restricted escrow account. 
{$620.00} XX/XX/year> The insurance claim check has been deposited into your restricted escrow account. 
{$22000.00}
Consumer complaint received 2024-07-26
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. (DE)

I am writing to delete the following 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (IN)

I created a moneylion account and set up direct deposit for my wife. Im so glad I hadnt switched my direct deposit to it yet! They locked my account RIGHT AFTER the money was deposited and I have no way to access the funds. Thankfully her check was small that week and we were able to prevent her next check from going in. Ive wasted a lot of time on the phone with people I can barely understand. I just want her money back ( which I WILL GET BACK!! ) and we will never use moneylion or any other similar banking apps again!
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX - XXXX my chase bank digital wallet was accessed by someone other than me, they proceeded to wipe my account for over XXXX grand in 13 different transactions. Chase refused to help with this and denied my claim on XX/XX/XXXX. they are unwilling to help and or retrieve the funds that was depleted from me.
Consumer complaint received 2024-08-21
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. (GA)

Ive never opened these accounts and they are fraudulent. Ive contacted the creditors and provided my identity report. They didnt delete the accounts off of my credit reports. This is effecting me from buying a house. 
XXXX XXXX And XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT THAT'S NOT OWED WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C. 1681 et seq ). 

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I AM A VICTIME OF IDENTITY THEFT AND THE DOCUMENTS THEY PROVIDED ARE NOT ACCURATE. THE SPELLING OF MY NAME IS WRONG ALONG WITH THE LEASE APPLICATION THAT DISPLAYS INCORRECT INFORMATION. PER FCRA 605B ( 15 U.S.C. 1681c-2 ) please delete and block this account from all three credit reporting agencies. This is a third party company which i owe no debt.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

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

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

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2023-01-04
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. (TN)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (IL)

I sent a letter regarding an inaccurate and unknown things on my credit report, Items under my name that is a result of Identity Theft and I have already files the proper documentation for these and.to this day over 45 days later the bureaus but they did not remove them. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc (TX)

On XX/XX/XXXX at the XXXX XXXX XXXX  in XXXX I experienced a water leak which left me without water the entire day.I contacted the front desk and complained.And they told me they would issue a refund for that day since I was unable to use the water. On the receipt for that day, I have adjustments that have been placed on that payment.However, there is no card number for them to have re issued the refund to on the receipt.So I was told to contact my bank and have them do a charge back. I even called chime and gave them the number and name of who to speak to regarding this refund. Chime never called them. My bank being chime, has decided 4 separate times to deny my claim of a charge back for a payment that the hotel has deemed should be refunded. I disputed this transaction on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. Each time I am sent through the exact same processes that lead up to the exact same outcome. Chime has chosen to override the hotel authority of a refund and deem the payment as processed. The issue I have now is that after the the first rebuttal XX/XX/XXXX, I was issued a credit. It was then reversed before the second rebuttal XX/XX/XXXX. That reversal has taken my money and left the account in the negative for a month now. On a credit building account this negative balance has demolished my credit score. And this is unacceptable. Any good this credit building account has done has been undone to a degree leaving me worst off than when I started. How chime feels it has the right to do these things is beyond my comprehension at this time. Even with the reversal of reversed credit payment how do I rebuild my credit score due to this injustice? I am trying to get a new apartment and car. And my credit rating is preventing me from doing so. I'm disgusted with this company.
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-09-11
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: Resurgent Capital Services L.P. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear LVNV, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), and Missouri Revised Statutes, specifically Section XXXX, which covers identity theft. 

It has unequivocally come to my attention that LVNV has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, Missouri law, under Section XXXX of the Missouri Revised Statutes, emphasizes the gravity of unauthorized access and misuse of personal information, particularly in cases of identity theft and fraud. This statute further underscores the importance of ensuring that consumer information is handled lawfully and only with proper consent. 

I assert with unwavering certainty that I have not provided consent for LVNV to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that LVNV immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws under Missouri Revised Statutes XXXX XXXX XXXX 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LVNV will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

I looked at my report and noticed some things are inaccurate and according to the Fair Credit Reporting Act. Whenever a Consumer Reporting Agency prepares a consumer Report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates to MOHELA XXXX is not complete and accurate. Eight accounts that appear on my Consumer Credit Report. XXXX. {$2200.00} XXXX. {$3000.00} XXXX. {$3500.00} XXXX. {$6100.00} XXXX. {$3500.00} XXXX {$6000.00} XXXX. {$4500.00} XXXX. {$6000.00}. According to 15 USC 1681s-2 Relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I am unaware of this debt. I never received proper notification of this debt via certified mail, which prevented me from disputing the information.Proper notification is required to ensure that individuals have the opportunity to review and address any debts. If in fact you believes you have provided proper notification.I request that you supply me with a certified receipt, including my name and signature on it. In order to confirm receipt of notification. This is a violation of the Fair Debt Collection Practices Act.