davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-09-18
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: Experian Information Solutions Inc. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (FL)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (IN)

XX/XX/year> opened new checking account E*Trade from Morgan Stanley XX/XX/year> deposited 2 checks {$1100.00} and {$1000.00} into New account E*Trade notified via email account features online were not available. Instructed us to call them XX/XX/year> called ETrade representative XXXX, they required proof of identification via their secure portal : Drivers license front back, all four corners, social security card front, back all four corners. Bank statements where we sent the checks from. Also y husbands identification. 
Allow XXXX hours for approval Called back XXXX said 24 hours again to open the online account Iasked for a supervisor to call me back. Never happened. 
XX/XX/year> XXXX said take license on a white background. XXXX XX/XX/year> XXXX XXXX could not help, XXXX took the call. You have not submitted your bank statements. Hold for XXXX minutes. He said you did submit. It will now go for vetting. 
XX/XX/XXXX not yet vetted send your licenses again. Hold for XXXX minutes. We found the licenses. We need XXXX hours to approve. I asked can the funds be returned via ACH. Response was certainly. 
XX/XX/year> XXXX XXXX We can send funds back via a check. Call back in XXXX hours XX/XX/year> XXXX could not see my accounts transferred me to XXXX send us XXXX  with drivers license XX/XX/year> send us LOI via portal for check to be issued from your checking and savings because your license is a copy from the internet! Re sent docs again via portal No resolve.
Consumer complaint received 2023-11-03
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. (MD)

Experian, has chosen to ignore and deny the FCRA Section 611 ( a ) ( 2 ), FCRA Section 611 ( a ) ( 1 ) ( A ), FCRA Section 605B, FCRA 609 ( e ), 15 USC 1611, FDCPA 809 ( b ). Furthermore to ignore and deny my rights of being a Victim of Identity Theft. Experian continues to violate FCRA by re-reporting an account that has already been Deleted and Removed. Experian has taken the law into their own hands to be bigger than Federal Law that governs them of the Fair Credit Reporting Act.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose. 15 USC 1681i ( A ) ( 5 ) ( A ) ( I ) & 15 USC 1692G ( B ) ( A ) ( XXXX ) ( A ). Remove this account immediately. XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION is allowing XXXX XXXXXXXX  to fraudulently report INACCURATE information on this FRAUDULENT open XXXX XXXX account I have filed a new report to open an investigation with XXXX Police Department on XXXX back date back to XX/XX/2021 I have also filed a FTC complaint due to XXXX XXXX  fraudulently reporting and destroying my credit and identity and TRANSUNION is allowing them to do it. I have a voice recording of a TRANSUNION Dispute fraud Department Supervisor stating that this is XXXX XXXX reporting this information to them and they cant do anything because they are verifying it is ACCURATE when it is FRAUDULENT and being done to DESTROY my IDENTITY and CREDIT from this CREDITOR my IDENTITY has been STOLEN and FRAUDULENT credit reporting dates opening and closing accounts changing information deleting information putting INACCURATE information and TRANSUNION has dud nothing and will not STOP XXXX XXXX..
Consumer complaint received 2024-09-18
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)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2022-10-27
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. (GA)

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


DEPT OF EDXXXX XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX, XXXX XXXX  # XXXX XXXXXXXX XXXX XXXXXXXX # 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 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 2023-11-03
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX Account # XXXX h as violated my rights. I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation. 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
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (TN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Experian continues to publish inaccurate, unverifiable, and false personal information on my consumer report. This complaint is in response to their latest dispute investigation. Other Consumer Reporting Agencies have corrected these errors, but Experian refuses to follow FCRA guidelines and are stalling and denying my consumer rights under FCRA. ALL OF THE INACCURACIES AND ERRORS ARE ATTACHED TO THIS COMPLAINT AND ARE CLEARLY SEEN IN THE EXHIBITS. THIS EVIDENCE HAS BEEN PROVIDED TO EXPERIAN 3 TIMES. There are wrong addresses, incomplete addresses, wrong date of birth, & major errors in payment history/account status for XXXX XXXX XXXX Please assist me with this as Experian has refused to provide me with a fair and equitable resolution. My next step is litigation.
Consumer complaint received 2016-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Robocalls continued to our office for months claiming we needed to call the number of Complete Collection Services concerning a debt collection case. 

There was no way to stop the calls without calling back the harrassers. 

I finally had to take time pout of my business day to contact these people to stop harassing us with this imaginary debt scam. 

When a person answered and I gave then the number of the phone line that was being called they admitted it was the wrong number. 

It is not the responsibility of innocent consumers to fund the activities of these clowns because they ca n't be bothered to check the facts or at least be the ones paying the people to waste time on this.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the XXXX complaint I have a police report a XXXX XXXX report by XXXX XXXX XXXX Police Report case number # XXXX. I had to XXXX XXXX XXXX Police XXXX on XXXX so he could do a report and open a case again TRANSUNION that has allows XXXX XXXX to fraudulently once again reopened a closed charge off account from XX/XX/XXXX from a dispute completed on XX/XX/XXXX which ruined my TRANSUNION XXXX XXXX from a XXXX to a XXXX I received notice that the account once again reopened on XXXX XXXX per TRANSUNION from XXXX XXXX and they have updated fraudulent information again on XX/XX/XXXX and closed this XXXX XXXX account once again and updated with a fraudulent closed date of XXXX this account you will see with tut documents uploaded from a TRANSUNION annual report on XXXX that this account had a closed charge off date of XXXX I am going to upload a voice recording dated XXXX from TRANSUNION Dispute department stated that all the information they was given came from XXXX XXXX telling them it is verified.on what do to with opening and closing this aged account that not aged not because they fraudulently added a new closed date of XXXX. This is a FCRA violation and this is a FRAUDULENT reporting incorrectly closed dates on purpose by the creditor XXXX XXXX time TRANSUNION stated they cant do anything its XXXX XXXX that is reporting all the information to us. I am SICK and TiRED and SOMETHING need to be DONE and this complex needs to be PROSECUTED for this..I have also filed a FTC Identity fraud complaint as of today XXXX against XXXX XXXX IDENTITY FRAUD ACCOUNT and IDENTITY FRAUD credit reporting..
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP (WI)

I have a checking account with Associated Bank that received fraudulent charges last year that cleared my account overnight. 
I filed disputes and followed all instructions. They have only returned 2 transaction barely totaling {$50.00}. $ XXXX was taken. I contacted the companies, they see they charges were made under different account from all over the country and I am not the holder of any of those accounts so they can not reverse the charge. They said the bank has to contact them. XXXX has evidence of the person who committed the fraud but can only release the information to my bank. My bank has never contacted XXXX. XXXX hub states they still have not heard from Associated bank. 

Today I wanted to complain and they froze my account to review!! I have no access to my money for asking for an update on money I'm owed!!
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX, XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX, XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-07-27
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. (TX)

I'm writing to you because after looking at my credit File which you report, there seems to be data Which i can not make heads or tails of. Please view the item below. XXXX XXXXXXXX XXXX Account XXXX XXXX Date of last activity has been re aged. And 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Account was removed by Experian and place right back after the original creditor didnt respond within the 30 days Experian placed it right back on my credit profile. The data furnisher did not respond to the request for investigation and the disputed account was removed from your credit report. The result summary was sent to you on XX/XX/2023.
Consumer complaint received 2015-07-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a mortgue with bank of america I over paid my escrol account and am due a refund but am behind on my loan so they will not give me my money I asked to have the money applyed to my loan to help bring it curent and they wount do it they told me they have to send it to me but they wount because I am behind
Consumer complaint received 2015-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (TX)

Repeated phone calls ( every single day ) using XXXX and ( numerous other of their company phone numbers ). I looked up each of their numbers and they all come from the same company & gt ; Diversified Consultants & lt ;. This has been going on for months now.