davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-30
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2023-10-09
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. (NY)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
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. (MA)

Formal Identity Theft and Unauthorized Collection Complaint Against XXXX and Experian** Immediate Deletion of All Unauthorized Collections Due to Data Breach and Lack of Permissible Purpose Dear **Consumer Financial Protection Bureau** , I am filing a formal complaint against both **XXXX** and **Experian** for their involvement in a data breach that has resulted in the unauthorized use of my personal information and the reporting of collections on my credit report without my explicit permission or any permissible purpose. This is a severe violation of my rights under the **Fair Credit Reporting Act ( FCRA ) ** and has caused significant harm to my credit and financial standing. # # # Issues Addressed : 1. **Identity Theft and Data Breach** : - Both **XXXX** and **Experian** have exposed my **Social Security number, date of birth**, and other personal information to unauthorized third parties, allowing fraudulent activities and data breaches to occur. Despite my repeated requests to protect my personal data, they have failed to take adequate measures, directly resulting in these breaches and subsequent identity theft. XXXX. **Unauthorized Collection Entries** : Due to this data breach and the lack of a permissible purpose, all of the following collection accounts are unauthorized and should never have been reported : - *XXXX XXXX XXXX XXXX XXXXXXXX : Experian reports a collection with a balance of {$2200.00}, which I have no knowledge of. This debt was reported without my consent or any permissible purpose. - XXXX XXXX XXXX  XXXX XXXX ** : Both XXXX and Experian report a collection with a balance of {$620.00}, increasing to {$830.00}. I have no knowledge of this debt, and no permission was given to report it. - **Additional Collection Balances** : XXXX  shows additional collections with balances of ** $ XXXX, ** $ XXXX, and ** $ XXXX. These debts have been reported without any valid verification or permissible purpose, and I do not recognize any of these collections. # # # **Violation of Privacy and FCRA** : - Both **XXXX** and **Experian** are violating **15 U.S.C. 1681b**, which restricts the sharing of consumer information without permissible purpose or consumer consent. By allowing these unauthorized collection accounts to be reported on my credit file, the agencies are in breach of this provision of the FCRA. - These accounts should have never been reported, as they are a direct result of the data breach and misuse of my personal information by third parties.
Consumer complaint received 2023-04-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to request the removal of inquiries from my credit report that are not tied to an active account. As per the 15 U.S.C 1681 Congressional findings and statement of purpose, I have the right to request the removal of inquiries from my credit report.

These inquiries are defaming my character and preventing me from obtaining a mortgage to buy a home. Despite submitting multiple letters and making several phone calls to your company, I have been unable to get a representative to assist me. Instead, I have been transferred from one person to another without any resolution.

Therefore, I kindly request that all inquiries that are not tied to an active account be removed from my credit report. These inquiries are not tied to an active account and are defaming my character, and I request that they be removed immediately. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon.
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. (MO)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not fernish a account without my written letter of instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer 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 antendates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not fernish any information relating to a consumer to any credit reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ND)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (FL)

When I lived in Georgia during the beginning of the pandemic, I rented from a place called XXXX XXXX XXXX. This was a dangerous place to live, but I always made our payments. HOWEVER, a water line leading to my apartment building bursted and water continued to flood for over a week. This SKYROCKETED my utility payments and my water bill went up ENORMOUSLY. I talked to the city about being reimbursed but they told me that while they would come out to fix the line, it is still the responsibility of the apartment management team to reimburse me, as this happened on THEIR property. The management team FAILED to fix this issue in good time, knew I had huge water bills I now had to pay through no fault of my own, and REFUSED to reimburse me for these hundreds and hundreds of dollars. I attempted to take them to civil court but was unable to. Frustrated, and without any help or financial assistance, I ended my lease early to escape that horrible, abusive environment. Despite never once helping me in an issue THEY were responsible for, they still demanded final month 's rent. I will not pay this until they are finally willing to reimburse me for the money owed due to the water leak. Fair is fair, and I hope whoever is reading this understands how companies exploit poor people like me. Thank you.
Consumer complaint received 2023-04-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On XX/XX/2023 I sent a letter to XXXX, XXXX, and Equifax to investigate my inaccurate accounts on my credit report. It has been over 30 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 30 days so they should be deleted ASAP I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong persons. The evidence will be attached below.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXXXXXX XXXX Reported collection that doesnt belong to me. I was a victim of IDENTITY THEFT. Account was open in XX/XX/2019. I reported to the company they still have not removed it. 


XXXXXXXX XXXX XXXX card Account doesnt belong to me contacted asked them to remove still not removed
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. (NC)

I am writing to follow up on a previous dispute I filed regarding a 30-day late payment that has been inaccurately reported on my credit report. The dispute was submitted, to date, I have not received satisfactory proof that the late payment was accurately reported.

I am requesting the following information as it pertains to the resolution of my dispute : The name of the person who conducted the initial investigation for my dispute.

All documentation, records, and proof used in the investigation and verification of the reported late payment. This includes any communication between the creditor and the credit bureau that substantiates the reported information. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureau to conduct a reasonable investigation and provide all relevant information used to verify the accuracy of the reporting. 

Please note the following consumer rights that apply to my dispute : Section 611 of the FCRA ( 15 U.S. Code 1681i ) - This section outlines my right to dispute inaccurate information and your obligation to perform a reasonable reinvestigation within 30 days of receiving the dispute. It also requires that I be provided with the results of the investigation, including all supporting evidence.

Section 609 of the FCRA ( 15 U.S. Code 1681g ) - I have the right to request all information that you have in your file regarding the disputed account, including the identity of anyone who has accessed my credit report and any documents you used to validate the disputed information. 
Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ) - Creditors are prohibited from reporting inaccurate information to the credit bureaus. They must also investigate disputes and provide accurate updates to credit bureaus if their reporting is found to be incorrect.

I respectfully request that you provide me with the requested information and documents as soon as possible. If you fail to provide sufficient evidence supporting the accuracy of the 30-day late payment, I expect the incorrect information to be removed from my credit report immediately.

Thank you for your prompt attention to this matter. Please provide all requested materials in writing within the timeframes outlined by law.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I pay {$500.00} annually for a Chase Sapphire Reserve credit card. I can't use most of the benefits because I don't live in a big city. 

I agreed to the " free member benefit '' of one year of complimentary XXXX XXXX XXXX I was then automatically charged for another year of XXXX. The same auto-enrollments also happen with XXXX and XXXX XXXX XXXX 

It is difficult enough to cancel memberships I know about. Benefits such as " Complimentary '' annual memberships that automatically become paid memberships are not beneficial ; they are an underhanded way to commit consumers to unwanted membership fees.
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX, which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account XXXX - Creditor Name : XXXX XXXX XXXX Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely,
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HUNTINGTON NATIONAL BANK, THE (OH)

After paying my 60 payments on my auto loan I reach out to a particular Customer Advocate at Huntington Bank why I still owed {$2600.00}. I received an email from this individual that was matter of fact on my original loan agreement. I already knew of the loan agreement and wanted to know what this amount owed was. Was it additional principal and interest? Was it late fees? How can I take of of this amount owed? Who or what dept. should I contact, etc.. I emailed this individual 5 times - XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and finally on XX/XX/23. I have saved all emails to be safe. Not one response came back over the 30 days and 5 emails I sent. In that time frame Huntington Bank then showed me as delinquent and reported me to the 3 main credit bureaus. I was a XXXX FICO score and prided myself on having exceptional credit. Why would I destroy my credit after paying the obligated 60 payments on this auto loan. My FICO score has now been reduced by XXXX points and will take7 years to remove. I have contacted Ohio XXXX  and Attorney General for the State of Ohio. I need help to get back my exceptional FICO score and not have this negative impact due to zero response from the bank when I tried 5 different times to get help. I have the name of the individual at the bank but not sure if that is needed.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

Dear XXXX, I am writing to dispute an inquiry on my credit report that was made on XX/XX/2023 by a company called XXXX XXXX. 

In accordance with the fair credit reporting act. The inquiry above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 


The inquiry was made without my permission and has negatively impacted my credit score. I request that this inquiry be removed from my credit report immediately. 

I have reviewed my credit report and have determined that the inquiry was made by [ creditor/company ]. I have no knowledge of this inquiry and did not authorize it to be made. Therefore, it should not be reflected on my credit report. 

As you are aware, the Fair Credit Reporting Act requires that all information on a consumer 's credit report be accurate and verifiable. The inquiry in question is neither accurate nor verifiable, and as such, it must be removed from my credit report. 

I request that you investigate this matter and remove the inquiry from my credit report within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
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. (TN)

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 2024-09-18
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Exhibit B 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 instructions of the consumer to whom it relates.

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you cant choose both. XXXX XXXX XXXX is basically making it an obligation for me to pay on a debt without my direct consent. I XXXX XXXX the consumer never gave XXXX XXXX XXXX any written consent to report anything on my consumer report. No consent is Identity Theft. 

Account : Account Number : XXXX Thank you, XXXX XXXX
Consumer complaint received 2024-09-18
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. (VA)

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 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XXXX  we found out on our bank/checking acct got fraudulent ACH transferred of XXXX  Right afterward, we noticed it is fraudulent, we call the bank to freeze the account, and submit a claim. There were two others fraudulent attempts later on but thankfully the account is frozen. The next date XX/XX/XXXX the acct got charged XXXX dollars and XXXX  it was attempting to charge XXXX. We got all the funds back from XXXX and XXXX. However the first fraudulent Ach of XXXX was still under investigation according to bank. I submitted everything they needed and police report. I am having no luck on bank of America replying back to me. XXXX is not a small amount of money and I need the fund for my business to operate. Please help thanks. I felt like this is inadequate for a big corporation especially a bank we all trusted. The only response I got back from Bank of America is that to go look for XXXX. I tried approach XXXX, XXXX  indicated that they cant help me since it is initated through bank of america. My lawyer have emailed a letter to the bank of america indicating proof of point of contact and transfer, no response. My main concern is first why Bank of America never texted or call indicated alert of transfer. Second online it indicates that usually more than XXXX it will be block, the amount exceed XXXX.