davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
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. (MN)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX  XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!
Consumer complaint received 2024-07-18
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-07-18
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: Experian Information Solutions Inc. (DC)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX Incorrect XXXX : - XXXX  Employer - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

This is about a complaint about XXXX XXXX XXXX XXXX. 

My husband and I had to close to our XXXX  firm due to XXXX and as such had to file for bankruptcy on XX/XX/2023. We still wanted to keep our mortgage and continue making payments ; however, due to the stay in our bankruptcy proceedings, we were not allowed to make mortgage payments due to court rules. After the bankruptcy was discharged I entered into an mortgage assistant agreement with XXXX XXXX and immediately started making the requested payments. Even though I was making the required payments they still reported me to the credit agency every month as over 180 days late. I feel they should not have been allowed to report me due to the bankruptcy stay and bankruptcy laws. They reported me to the credit bureaus every month since XXXX, XXXX 

Thanks so much.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am personally filing this complaint regarding late payment entries on my credit record. During my review, I identified these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.
Consumer complaint received 2016-07-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IN)

I received a letter saying my mortage was sold and I was to send my payment to a new mortage company. Two weeks later, after I had already sent my payment to the new mortage company, I received a letter saying they made a mistake and I should keep sending my payment to them. 
I have been over 18 months trying to get my payment credited to my account. They have admitted it is there mistake, but have done nothing but harass me about a late payment since. 
I do n't know what to do.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc. (TX)

Toward the end of XX/XX/2023 I wrote a letter to FRANKLIN SERVICE , INC ( a debt collector moving forward ) indicating that I have experienced hardship relating to my employment and expressed the low balance I have in reserve. I became aware of the debt collectors communication attempts because I pulled my credit report from the big 3 reporting agencies. The debt collector was indirectly communicating with me and has injured my reputation and ability to qualify for a mortgage and other credit extensions for personal family and household purposes. I have rights under the FDCPA and they are being violated. Specifically the section that talks about communication in connection with a debt.
Consumer complaint received 2024-07-18
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. (FL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-07-18
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXXE Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-07-18
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. (MN)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!
Consumer complaint received 2024-07-18
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)

Upon reviewing my credit report with Experian, XXXX, and XXXX, I discovered several inquiries that were not authorized by me and for which I have no further information. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Consumer complaint received 2024-07-18
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-18
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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  CA Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of XXXX XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with US DEPARTMENT OF EDU was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

US DEPARTMENT OF EDU never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/year>, the company XXXX charged my debit card with a transaction of USD XXXX. I didn't notice this fraud because the bank never sent me a notification. On XX/XX/year>, this company again tried to charge me USD XXXX XXXX times. This time, I received a message from Bank of America to confirm the transaction, so I responded with " no '' in the app. Despite this, the transaction was approved by the bank, and the company charged me the USD XXXX in addition to the earlier USD XXXX. 

I called in the early morning of XX/XX/year>, around XXXXXXXX XXXX to report these transactions as fraudulent because I did not authorize them. They gave me a claim number : XXXX XXXX. 

On the afternoon of XX/XX/year>, I called the bank again to find out the status of the claim because I had not yet received my money back. The representative said that my claim was denied because, according to them, there was no use of aggressive force on my account and the person who made the transaction knew how much money was in the account. This is untrue because they tried the second transaction four times, and the bank approved it even though I had declined it. They also state that I continued to use the account normally after the USD XXXX transaction on XX/XX/XXXX. This was because I had not been aware of the transaction until XX/XX/XXXX, when they sent me the message for the USD XXXX transaction, which I declined. After the XXXX transaction the account had not use and I reported the transaction on time. 

On XX/XX/year>, I responded with a letter to reopen the claim and faxed it to ( XXXX ) XXXX, explaining the reasons why it was not me and why their reasons for closing the case were invalid. I also stated that they had violated the correct procedure. ( Attached is the fax that I sent. ) The dispute lasted only eight days before they canceled it for the reasons mentioned, which is a violation of my rights and the law. They did not give me a temporary credit for my money and never revoked the transaction from the merchant. Everything was handled internally, which is a violation because, by law, they must contact the merchant about the disputed transaction, and the merchant has 60 days to respond. This is the correct process to follow. They can not reach a decision without first completing the proper process because this violates my rights as a consumer and the laws. 

After I sent the fax appealing the decision, today they closed the claim again, this time without any explanation. 

I am asking that the correct process be followed and my money be returned because I did not make these transactions. This is an injustice and a violation of my rights and consumer protection laws.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/year>, the company XXXX charged my debit card with a transaction of USD XXXX. I did not notice this fraud because the bank never sent me a notification. On XX/XX/year>, this company again tried to charge me USD XXXX XXXX times. This time, I received a message from Bank of America to confirm the transaction, so I responded with " no '' in the app. Despite this, the transaction was approved by the bank, and the company charged me the USD XXXX in addition to the earlier USD XXXX. 
I called in the early XXXX of XX/XX/year>, around XXXX XXXX, to report these transactions as fraudulent because I did not authorize them. They gave me a claim number : # XXXX. 
On the afternoon of XX/XX/year>, I called the bank again to find out the status of the claim because I had not yet received my money back. The representative said that my claim was denied because, according to them, there was no use of aggressive force on my account and the person who made the transaction knew how much money was in the account. This is untrue because they tried the second transaction four times, and the bank approved it even though I had declined it. They also state that I continued to use the account normally after the USD XXXX transaction on XX/XX/XXXX. This was because I had not been aware of the transaction until XX/XX/XXXX, when they sent me the message for the USD XXXX transaction, which I declined. After the XXXX transaction the account had not use and I reported the transaction on time. 
On XX/XX/year>, I responded with a letter to reopen the claim and faxed it to ( XXXX ) XXXX, explaining the reasons why it was not me and why their reasons for closing the case were invalid. I also stated that they had violated the correct procedure. ( Attached is the fax that I sent. ) The dispute lasted only eight days before they canceled it for the reasons mentioned, which is a violation of my rights and the law. They did not give me a temporary credit for my money and never revoked the transaction from the merchant. Everything was handled internally, which is a violation because, by law, they must contact the merchant about the disputed transaction, and the merchant has 60 days to respond. This is the correct process to follow. They can not reach a decision without first completing the proper process because this violates my rights as a consumer and the laws. 
After I sent the fax appealing the decision, today they closed the claim again, this time without any explanation. I am asking that the correct process be followed and my money be returned because I did not make these transactions. This is an injustice and a violation of my rights and consumer protection laws.