davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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. (MI)

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the informationis inaccurate.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-20
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. (MD)

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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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 2024-08-20
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. (IL)

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 2024-08-20
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. (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.

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 Sta
tes : 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 2024-08-20
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. (NJ)

I had a hard enquiry on my Experian credit on XX/XX/year>, which i do not recognize. This is a fraud. someone had tried to access my credit report and apply for a credit card on XXXX XXXX. I wanted this hard enquiry to be removed.
Consumer complaint received 2024-08-20
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. (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.

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 2021-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (FL)

In accordance with 15 U.S. Code 1693f ( a ), CHIME was presented with written notice that I, the consumer, believed that an error occurred when an Electronic Funds Transfer from XXXX from XXXX XXXX XXXX was returned back to the Sender. The alleged discrepancy that caused the rejection was the name on the deposit did not match the name on the account, when the names in fact did match. CHIME was abusive and deceiving in this nature causing tremendous amounts of stress to get this error corrected. CHIME used fraudulent practices to return my deposit and many others who were in a similar situation of using CHIME as my primary bank for all deposits of income of self employment. CHIME has never rejected a deposit to my account due to it being a business transaction, in fact I am sole proprietor all business transactions are conducted in my name and deposited into this account. Withstanding, the Sender of the Electronic Funds Transfer has successfully initiated several prior Electronic Funds Transfers into my account without rejection or verification. CHIME was abusive and unfair in choosing to reject this such a large deposit of crucial funding during a time of uncertainty and economic stress. This abuse has left me with little trust in CHIME and its illegal and fraudulent practices. I'm afraid to deposit funds into this account as CHIME has shown me that they are not reliable and are above the law, with their illegal actions and lack rightful concern handling consumer complaints and transactions. CHIME after numerous written notifications from the consumer continued the acts of abuse causing severe mental anguish and anxiety about that fate of my Electronic Funds Transfer. CHIME has yet to investigate my claim of their error. It is now 43 days since the error occurred Chime was directed numerous times by the consumer and notified that they are liable for damage and given instructions to correct the error and credit the account in accordance with 15 U.S. Code 1693f ( b ) Instead, I was misled in the procedures of retrieving my Electronic Funds Transfer. CHIME insisted there was nothing more for them to do and that I must refer to the depositor to resolve CHIMEs illegal practices of willful negligence.
Consumer complaint received 2024-08-20
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)

The Credit bureaus stated Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account number : XXXX and XXXX Account number : XXXX were properly investigated and being verified as accurate but how is that possible when Ive already stated and showed proof these accounts have been taking to court with the judge ruling in my favor. It was brought to my attention that this debt was open in the state of Georgia in XXXX. I do not live in the state of Georgia. I do not have no knowledge of this debt that does not belong to me. I will be providing proof and I will also have, the documents attached with the judge signature stating that this case was dismissed in my favor. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency XXXX Experian and XXXX block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email Email : XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (CA)

XXXXm in distress in regards of my credit report and how the credit reporting agencies have failed me as a consumer. Ive continuously sent out disputes for them to investigate the matter at hand and they have failed to provide me with proof of how and where they have gotten that misinformed information. The accounts are reporting negatively on my behave and id like to resolve this issue as soon as possible as this matter has gotten on for too long.
Consumer complaint received 2024-08-20
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. (NY)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX Account # : XXXX Account Type : Installment ( Auto Loan ) Bureau Code : Joint {$17000.00} Date opened XX/XX/XXXX I contacted company and told them this is inaccurate this shouldn't be on my report for I do not recognize this account and it is not mine. I have requested proof of paperwork and received nothing. Remove account please. 

XXXX XXXX  XXXX Account # : XXXX Account Type : Revolving Bureau Code : Terminated Date Opened XX/XX/XXXX {$25000.00} I don't know where this came from never had a XXXX  XXXX XXXX account and asked for validation and they said it was no record of me having a account and I sent to XXXX and they completely ignored my request to remove the account. 

XXXX  Account # : XXXX Account Type : Revolving Bureau Code : Terminated Date Opened XX/XX/XXXX {$8500.00} Not my account I don't recognize this account and asked for validation and they said it was no record of me having a account and I sent to XXXX and they completely ignored my request to remove the account. 

XXXX XXXX  Account # : XXXX Account Type : Installment Bureau Code : Individual Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX XXXX Account # : XXXX Account Type : Installment Bureau Code : Individual Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX Account # : XXXX Account type : Revolving Bureau Code : Terminated Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX XXXX XXXX Account # : XXXX Account Type : Collection Bureau Code : Individual Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX XXXX Account # : XXXX Account Type : Collection Bureau Code : Individual Date Opened : XX/XX/XXXX {$160000.00} Not my account and requested proof three times and no answer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER NONE OF THESE HARD INQUIRES ARE MINE
Consumer complaint received 2024-10-01
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: EQUIFAX, INC. (PA)

When I reviewed my credit report this morning, I noticed unauthorized inquiries that should not be there, and Im absolutely baffled as to why. I check my report consistently, but today, strange discrepancies just appeared. I even tried refreshing the page to see if it was just a system error, but nothing changed. Im incredibly frustrated and demand that the documents Ive sent be reviewed carefully, so I never have to face this problem again.
Consumer complaint received 2020-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

CONSUMER REPORTING COMPANY BLOCKING LETTER Date : To : XXXX XXXX. XXXX  XXXX XXXX, XX/XX/XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : I have never lived or used the following addresses or phone numbers : The following Account ( s ) do not belong to me : Account NameXX/XX/XXXXXXXX XXXX, XXXX. 
Account NumberXXXX Account NameXXXX XXXX XXXX Account NumberXXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Enclosures : Identity Theft Report FCRA Section 605B
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am writing because Experian is in violation of their code of ethics regarding credit reporting. I am a victim of Identity Theft. I have tried to send all the information and have also tried to call them. Their computer system hangs up when including multiple disputes. Their answering system says that due to high call they can not answer. Then they put me on hold which takes more than two hours to get someone to answer via a text message. I am very upset. I can not send my dispute to this company which only cares about reporting people instead of trying to show correct data and not have their information stolen. They have wrong information that must be removed.
Consumer complaint received 2024-08-20
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. (IL)

I need your support to address the wrong account listed on my credit report. This issue has caused significant damage to my reputation, and I require your help. Due to your mismanagement of my credit information, my reputation has been severely affected. These errors need to be corrected so I can move forward with my family.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (KS)

Wells Fargo is still XXXX with me. They just increased the principal balance on one of the mortgages today, XXXX In addition to that and as a result of all of their XXXX, my credit score decreased today as well. They really are trying to kill me. Just let them do it. XXXX. Take my insurance policies, pay my kids and then track them and harass them and steal the insurance money and let them raise themselves and go homeless. Good job XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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. (NY)

XX/XX/year> Upon viewing my credit file, I've noticed some alarming details in reguards to my private transaction history on various accounts listed. Which is a clear violation of FCRA specifically, 15 U.S. Code 1681b - Permissible purposes of consumer reports 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. 15 u.s. code 1681a ( 2 ) ( i ) which states " ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Reporting transaction history is illegal. Experian is in clear violation of the FCRA