davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
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. (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.

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 2024-08-17
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. (GA)

Permission to use my identity and to report any of my personal information was not granted to any of the following companies. 

Hard 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts are a violation of my rights according to 18 U.S. Code 1028A - Aggravated identity theft which states ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Despite numerous attempts to get Experian, XXXX and XXXX to clear them from my consumer report, my rights continue to be violated and my life negatively impacted. I demand for these items to be removed from my report immediately and updated reports mailed to my current address.
Consumer complaint received 2021-04-28
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-04-28
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: EQUIFAX, INC. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-03-04
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. (VA)

I was denied by the car lot and I went and looked at my credit and I still see items on there that are not mine. I have reached out before and thought it was taken care of Please remove these accounts from my credit so i can do what I need to do for my family. There is an account with no name but the account # XXXX, 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I noticed some inquiries as well that are not mine. I contacted the FTC and local police.
Consumer complaint received 2024-08-17
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. (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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2021-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (NC)

On XX/XX/2021, I mailed an initial letter of debt verification to Financial Data Services in reference to the debt for XXXX XXXX in the amount of XXXX. I attached a letter of my police report stating I was not responsible for the debt, that I was a victim of identity theft, and requested verification. Financial Data responded but stated they needed a copy of my ID to verify debt and that they would contact XXXX XXXX in regards to the debt. I received no updates, but resent the letter with attached ID and information on XX/XX/2021. 

I have still not received an update at this time. I mailed another company on the same day and have verified they did receive their letter, so I know the mailing was successful.
Consumer complaint received 2020-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

On XXXX XXXX Transunion inserted a fraudulent item into my credit report. They are aware that I was a victim of ID theft and have all required documents on file. However this item randomly appeared on my report after I fought for TWO years to have it removed. The item has been removed for over a year and now it is fraudulently re inserted into my credit report, ruining my credit again. This is in violation of the FCRA and I want it fixed immediately.
Consumer complaint received 2024-08-17
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. (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 under 15 USC 1681.

Account Name : XXXX Account Number : XXXX 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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-08-17
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. (WA)

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 XXXX 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 2021-04-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/21 my checking account was overdrawn by {$630.00}. 

On XX/XX/21 I received {$1400.00} stimulus direct deposit. My account then was a positive balance of {$760.00}. 

On XX/XX/21 I received a deposit from Suntrust Bank ( bank where account is held ) for {$630.00}. Called TEMP RELIEF DEPOSIT. 

I was unsure what this was exactly - I figured it had to do with stimulus bill. I did not contact the bank with questions. 

On XX/XX/21 {$630.00} was taken from my checking account by Suntrust - removing the deposit they put in on XX/XX/21. I call the bank customer service number a d was told a letter was sent and it was a TEMP LOAN so that I would have access to the entire {$1400.00} of stimulus payment and was going to be removed in 30 days. 

I never saw the letter - I have moved since then.. I called yesterday to my former landlord and asked if I had any mail. He said yes - he sent me a photo of the letter. It is dated XXXX the day of the deposit and the envelope has not postmark. Not sure when it arrived, but was after the deposit was already done. 

I was never given this as an option.. just was told we as a bank did this.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (ME)

I have been trying to complete a mortgage work out with PHH mortgage after a forbearance period. Initially, I did not intend to start the forbearance but was investigating on their website and answering questions when the site told me I qualified and the forbearance had started when this is not what I intended. At the end of the forbearance period, I started payments again and began the process of adding the forbearance payments to the end of the load. Through this process, PHH has been stalling and delaying the process by asking for the same documents over and over until they just cancel the whole application and make me start over again. I'm not sure why they are doing this but I smell some kind of scam and it makes me nervous. So far there has been no negative financial impact for me but this either denotes extreme incompetence on the part of PHH mortgage or an attempt to defraud the government by artificially delaying the rework of this loan. I've been calling daily to be sure they have all the information they need since XX/XX/XXXX. Today the message at XXXX says Due to impacts of Covid-19 we can not connect you with a customer service representative and hangs up. 

Now there is nothing I can do.
Consumer complaint received 2020-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE (OH)

***ATTENTION THIS IS NOT A DUPLICATE COMPLAINT AND PER COVERSATIONS WITH CFPB THEY ALSO AGREE. PLEASE REVIEW AND RESPOND THANK YOU! **** To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Huntington Bank/First Merit. 


After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Attention Experian Associate : This letter is a formal statement of concern based on your recent activities ( or lack thereof ). I have in my ownership a false copy of my consumer credit report from the XXXX XXXX, the XXXX XXXX and the Experian Corporation. Each of these reports were legally obtained by me, via the declaration of the rights allowed to consumers under the Fair Credit Reporting Act. I have challenged several inaccuracies and serious concerns with you to no avail. In fact, I have yet to see an answer from you to my prior letters. 
The specific items that Ive challenged include : This is not how i spell my name. 
Please delete this from my credit file immediately. 
The Fair Credit Reporting Act has particular criteria for the precise reporting of an item when it appears on a consumers credit report. It specifically states that all items within a consumers credit report need to be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the permissible reporting periods as outlined in the Act for the specific item as reported. 
As a result, you were obligated to either provide me with proof that the reporting of this item does not violate the Fair Credit Reporting Act as detailed above ... OR ... you were supposed to remove it. Youve done neither. So now, its required by law for these items to be removed AUTOMATICALLY with or without an investigation. 
My request as expressed above, is authorized and justified. Should you refuse to comply with the law, then I must demand, on your official letterhead, a sworn statement as to the 100 % accuracy of each of the above items, and how its reporting is not violating my consumer rights. The persistent reporting of this inaccurate and unverifiable information has been detrimental to me and has caused me some extreme financial and emotional distress. Therefore, I must also demand the names of any/all Corporate officers who will be responsible for any monetary/punitive damages due when I take you to court. 
If I must pursue a lawsuit to protect my civil liberties as provided under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, XXXX, XXXX, as well as any other statutes and/or laws that would relate to me and my situations, then I am totally prepared and willing to take any and all vital measures to do so. So again, I hereby petition your agency for the immediate removal of the above frivolous data, as it is not complying with the above-named laws and/or acts. 
Your companys continued reporting of this derogatory information will be deemed willful non-compliance and a blatant disregard of the law. Please respond to this letter in a timely fashion, within 30 days or less, to avoid any other legal action
Consumer complaint received 2024-08-17
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. (FL)

To whom this may concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2020-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MA)

The charges were the result of identity theft. They initially acknowledged that the charges were not mine and said the charges would be reversed, then sent me to collections anyway. I have proof of contacting them and them acknowledging that the charges weren't mine. Later, I paid the debt in order to have it removed from my account per our written agreement and they have still not done so.
Consumer complaint received 2024-08-17
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. (NC)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Recently checking my credit report I noticed Ive been a victim of identity theft and found numerous credit inquiries I have no knowledge of, here are the inquiries that Ive found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please remove these fraudulent inquiries from my credit report. I also attached a copy of my identity theft report as well.
Consumer complaint received 2024-08-17
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. (NV)

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.