davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. ()

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2017-11-24
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: LJ Ross Associates (MI)

Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. XXXX XXXX listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.
Consumer complaint received 2024-09-24
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. (WA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-24
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-24
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. (FL)

To : Discover Financial Services-Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( FCRA ).
Consumer complaint received 2023-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I have spoke with LoanCare atleast once a week for 6+ weeks. I was sent paperwork for a partial claim in XXXX, I asked for a breakdown of what was included in the partial claim. After many attempts and incorrect information, I received a call from LoanCare asking when I was making a payment. I said I was requesting a breakdown of the numbers included in the lump sum partial claim. I was informed, of that is expired, we will have to send out another packet to you. The packet I received 6+ weeks later is for a mortgage modification and partial claim. I immediately called and asked why there were modification paperwork included with the partial claim. I'm being told I was denied the partial claim. I have spoke to them weekly requesting a resolution because I do not wish to modify the mortgage. Spoke w LoanCare today, I was told FHA denied it and when they have the written denial notice completed they will send it to me. I asked if it states why it was denied and they said no. LoanCare repeatedly says " a supervisor will be in contact in 24-48 hours '' this has never happened and I have yet to speak with a supervisor. A covid loan modification is meant to " help '' the homeowner. By modifying my mortgage my payment will increase by approx XXXX XXXX The partial claim that is attached to the modification is what I would like to execute. The modification does nothing to the arrears owed, it simply increases my interest rate from XXXX to XXXX. I have reached out to HUD and was given a list of " resources '' however when I contact these resources they do not handle covid relief options and refer me to " call a attorney ''. I was told today to either pay the amount owed in full approx XXXX or sign the modification documents. I feel like LoanCare is not following the HUD requirements and they simply would like to change my loan from 3.125 % interest to 6.875 %. I'm not sure where else to turn to for answers
Consumer complaint received 2022-11-17
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. (NC)

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX A XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$330.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$17.00} ; XXXX XXXX  XXXX Balance : {$160.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. 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 XXXX 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-24
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment in question was made before the due date. I have attached the relevant bank statements and payment confirmation as evidence that the payment was processed on time. 
Account Refinanced : The account had already been refinanced, and the late payment should not have been reported. I request that the refinance status be reflected properly in the records. This was an oversight, and I ask for this error to be corrected. 
Clerical Error : It appears that there may have been a clerical error in reporting the payment. This is evidenced by the discrepancy in the payment records, and I request a thorough review to correct this inaccuracy. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-24
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)

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 account listed without my expressed written consent.
Consumer complaint received 2024-09-24
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
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. (AL)

I am writing to file a formal complaint against Experian, XXXX and XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate and unverified information on my credit report. I have disputed the following items on my credit report with Experian, XXXX and XXXX because I believe they are inaccurate and can not be verified. Despite my formal request for verification under Section 611 of the FCRA ( 15 U.S.C. 1681i ), Experian, XXXX and XXXX has failed to provide adequate verification or delete the contested items. The disputed information includes : Creditor/Account Name : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
In addition to contacting the credit bureaus directly, I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. My FTC report reference number isXXXX. This report outlines the same issues I am presenting here and supports my claims of unverified and inaccurate information on my credit report. On XX/XX/year>2024, I sent a formal dispute letter to Experian, requesting verification of the items listed above. I provided copies of my credit report and supporting documentation, but I have not received a satisfactory resolution. The disputed items remain on my credit report despite the lack of proper verification. Given the continued presence of unverified and potentially inaccurate information on my credit report, I request that the CFPB take the following actions : Investigate the failure of Experian, XXXX and XXXX to comply with the FCRA. Ensure that Experian, XXXX and XXXX either verify the accuracy of the disputed items or promptly delete them from my credit report. Address any potential violations of my rights under the FCRA by Experian, XXXX and XXXX. Please find attached the following documents to support my complaint : A copy of the FTC report XXXX.Any correspondence between myself and Experian, XXXX and XXXX regarding this dispute I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights under the FCRA. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I reached out to JP Morgan Chase Bank via email at XXXX As shown attached, the email stated the following : I am searching for funds that remain unclaimed and were last known to have been deposited between XXXX and XXXX from the State of Tennessee Child Support Program. The JPMorgan Chase account the funds were deposited into was account # XXXX ; routing # XXXX My name is XXXX XXXX XXXX XXXX XXXX and I am the account holder. On yesterday, XX/XX/XXXX I faxed two forms of ID, including my Driver 's License and Social Security card to the attention of JPMorgan Central Support Unit at Fax # XXXX. In doing so, identifying my relationship with this account, I hope to speed up the process in searching for the unclaimed funds. 

Should you have any additional information on the funds deposited into this account, please update me. I would like to claim the money, as XXXX through XXXX deposits were never received. 

Thank you for your assistance. 
_______________________________________________________________________ On XX/XX/XXXX, in response to this initial email, the bank requested that I follow up with an in-person branch visit. 
_______________________________________________________________________ On XX/XX/XXXX, I responded on my outcome after following through with JP Morgan Chase 's request to making the in-person branch visit. Within the detailed response, I informed the bank that in making the trip, I had only been inconvenienced and found no recourse. 
_______________________________________________________________________ On XX/XX/XXXX, I received a letter from Chase. Not to acknowledge the bank 's abandoned property division and my rights to a fair opportunity to file a claim, the bank refuses to investigate my lost money and eligibility to make a claim to it, according to the XX/XX/XXXX letter. 

The total loss is {$5100.00} in payments deposited into the Chase account # XXXX : routing # XXXX. The deposits were made between XXXX and XXXX. 
_______________________________________________________________________ Beginning XX/XX/XXXX, a card was issued to me from Chase Bank. In regards to the funds deposited onto the card, the bank is refusing to notify me of where they are. I strongly feel as though I am being denied an equal opportunity, being that I am denied of rights to abandoned property. This is unfair when the department remains actively in operation.