davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Recieved my credit report from Experian and have two accounts that have positive account activity but they are not my accounts. The one is XXXX XXXX XXXX and XXXX XXXX  Both of these positive accounts do not belong to me.
Consumer complaint received 2024-08-22
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-22
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. (NV)

I sent EXPERIAN my identity theft report and made them aware I had multiple fraudulent accounts on my credit report unauthorized and multiple inquires created while I was on duty and they have failed to block XXXXXXXX XXXX XXXX  from my credit report or all of the unauthorized inquires. I am attaching AGAIN the documentation and I do expect the last of the fraud to be BLOCKED and removed from my credit report before I have to escalate this with my superiors and contact a lawyer to make a formal inquiry and legal notice to XXXX XXXX for them NOT adhering to the FCRA and violating my rights.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

Hi, I've been trying to get my XXXX  cancelled and I have reached XXXX  % of the original loan amount but my Loan Servicer, Specialized Loan Servicing is refusing to cancel PMI saying this " To have the PMI removed the account needs to be at least 2 years from the origination date. Once the account is between XXXX and XXXX  years from orientation the loan to value ratio will need to be XXXX  % or less. The account hasnt reached the 2 year mark yet at it was originated on XX/XX/22. Once it has been 2 years you can submit a request to have the account reviewed and if the XXXX is not low enough you XXXX sign authorization for a property valuation to be completed. Thank you XXXX XXXX ID XXXX '' I did not see a clause that I need to wait for 2 years to have my PMI cancelled even though I have already reached XXXX XXXX of the original loan amount 's principal. 

Can you please help me out? 

Thanks, XXXX.
Consumer complaint received 2024-08-22
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. (UT)

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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CA)

Hi and Im fed up with Netspend prepaid for the pass 4 years of the discrimination acts of fruad on my accounts from the staff of netpend prepaid cards It like everytime I give u m credentials you guys come back saying account is closed why dont I have any of this in writing this whole time netspend prepaid has slander my name and commented discrimination to the fullest. No ne from company had my permission to close no accounts especially if I wasnt authorized to have an account with netspend prepaid. I have prove Ive been receiving funds to some accounts this is why certain accounts are still open but netspend wont give me any information or detail of account to where I can close it get my funds but netspend miss leaded me with false information allowing accounts to be drained or funds or transferred into anonymous accounts I believe belonging to employees or friend or family member. I had it Im now with n the process of suing netspends prepaid with every ones names Ive spoke to over these 4 fours requesting and asking for transcript of account that lead me to be emotional distress and damage me financially. I wasnt given nt a warning or no type of red flag if I committed something worng Ive apologize for wht I dont know because NETSPEND PREPAID SERVICES STILL FROM 2019 to now will not give me any written statement or nothing indicating the reason Im banned. This is clearly worng disrespect and discrimination netspends has committed discrimination and fruad against my name and accounts and i will be seeking for over {$50000.00} when it could have been resolved by allowing me back my active account with funds due to my direct deposit from work I didnt have access to because of this fraudulent act that netspends has slandered my reputation and cus me shame. So not only am I suing for discrimination and damages to my fianc and caused me physically and emotionally break down because I couldnt get access to funds I already had set up with other institutions direct deposit transfers led me in debt. I couldnt get access to those main accounts but were send numerous prepaid cards I have prove of all actions.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Between XX/XX/XXXX and XX/XX/2024, I fell victim to a multi-layered scam operation run by a fradulant individual using the phone number XXXX which involved me making deposits for a total amount of XXXX USD from my Truist Bank account to fraudulent individual ( XXXX ).
Consumer complaint received 2024-07-15
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)

I am writing to inform you about a serious issue involving the compromise of my Social Security number, resulting in identity theft and unauthorized activity on my credit report. To address this matter, I have already contacted the Federal Trade Commission and filed an FTC report, which is enclosed for your reference. 

Under 15 USC 1681c-2 ( c ) ( a ), you, as a credit reporting agency, must promptly block and remove all information related to this identity theft from my credit report. This law requires that such requests be addressed within four business days of receiving the complaint with the following information : I am formally disputing any unverified or inaccurately documented information on my credit report, in accordance with the FCRA and Metro 2 data field reporting standards. Allegations of delinquency and derogatory information must be factually verified as required by federal and state law to prevent illegal reporting. 

Please ensure that all claims comply with the Metro 2 reporting standard and provide physical, verifiable evidence supporting the account 's existence and legitimate use. If such evidence is not available, I request the removal of the information from the report, along with authorization to receive documentation of your actions and an updated credit report. 

Accounts and Inquiry 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The unauthorized entries on my credit report have caused significant problems. Here are the legal violations that have occurred : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation of 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation of 15 U.S. Code 1681i ( 7 ) - Method of verification Violation of 15 U.S. Code 1681a ( 4 ) - Right to privacy Violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XX/XX/XXXX, my USAA was compromised by an unknown entity. I was told by an operator the entity tried calling into the automated service to reset my account 4x.When that didnt work they logged into my banking account and reset my profile settings to include address, phone number and email address.Later I found out USAA sent emails to the notifications In box within my account-that the settings had been changed.I didnt receive any texts or emails for this.On XXXX, a deposit of {$2500.00} from an unknown unauthorized account posted to my checking account.On XXXX a withdrawal of {$5000.00} was withdrawn from my checking account.On XXXX, a deposit of {$2500.00} from an unknown unauthorized account posted to my checking account.On XXXX, a withdrawal of {$3400.00} was withdrawn from my checking account.On XXXX, USAA was aware of the activity and made a permanent credit to my account of {$3400.00} and $ XXXX XXXX, withdrawal of {$2500.00} was withdrawn from my checking account as a convenience check funds transfer return. 
On XXXX, a withdrawal of {$2500.00} was withdrawn from my savings account.On XXXX, a withdrawal of {$2500.00} was withdrawn from my savings account and transferred to an unknown XXXX XXXX  account ending in XXXX XXXX, a permanent credit of {$2500.00} was made by USAA to my savings account.On XXXX, withdrawal of {$2500.00} was withdrawn from my savings account as a convenience check funds transfer return. 
From XX/XX/XXXX, I have repeatedly demanded by compromised checking and savings account to be closed.I have repeatedly demanded to speak with the Fraud Department. I have spent hours on the phone to be told misleading information.I have been locked out of my own accounts even after I was told my accounts had been freezed and locked down to prevent unauthorized access. I was told numerous times the compromised accounts were locked. To date this still are not locked or closed, which I have begged them to do.
Consumer complaint received 2024-07-15
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)

I reviewed my consumer report and noticed that I had one late payment on an account that I was never late on. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on a payment for this account that I included screenshot inside this complaint on the dates of XXXX XXXX. please investigate and provide proof with statement showing that these payments were late. if proof can't be provided, I demand the payments be updated and paid as agree on time as they should be due to the fact I was never late. 

Payment history guide 30 days past due as of XXXX XXXX  Thank you
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX 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 in ( MONTHS REPORTING LATE ) 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2024-07-15
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)

My account with XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in 60 days 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. 


XXXX XXXX, XXXX XXXXNever 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 XXXX
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-31
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. (TX)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX
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. (GA)

I am writing to formally dispute the reporting of the following account ( s ) on my credit report. By the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and 15 U.S.C. 1681i ( 5 ), it has come to my attention that the account ( s ) listed below have violated my federally protected consumer rights regarding privacy and confidentiality. 

Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681, it is my right to have my consumer credit report maintained with the utmost confidentiality and accuracy. The inclusion of the above account ( s ) violates this right, and the reporting of this information constitutes a breach of my privacy. Furthermore, I believe these items are inaccurately reported and are being maintained in my file without the proper verification or validation of the legitimacy of the account ( s ), as required under the law.

Per 15 U.S.C. 1681i ( 5 ), I demand that you conduct an immediate investigation of these account ( s ), and if found inaccurate, unverifiable, or incomplete, promptly delete the account ( s ) in question from my credit file.

Please provide me with : Written confirmation of the results of your investigation.

A statement detailing whether any items were deleted, corrected, or verified.

If the account ( s ) is verified, full documentation proving the validity of the account ( s ) and the process you followed to reach this conclusion.

Failure to comply with my request within the legally required timeframe will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal recourse.

Thank you for your immediate attention to this matter. I expect a prompt resolution of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-07-15
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. (NJ)

Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : unverified accounts XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX please mail me a check in the amount of {$4000.00} Dear Consumer Relations at Experian, I have sent two previous letters to you, certified mail requesting that you remove inaccurate information from my file. Despite my request, you all have FAILED to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ).

As per the FCRA, your failure to reinvestigate is an intentional and negligent FCRA violation.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, Not only that, but you have also failed to provide, per my request, the method of verification as required under Section 611 ( a ) ( 7 ) and under 15usc1666 ( a ) proof I received each periodic statement required by section 1637 ( b ) of this title was mailed or deliver to me no later than 21 days before the payment due date. I am due {$1000.00} per violation : 15 U.S. Code 1666 ( a ) Time to make payments Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681b Permissible purpose of consumer reports 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 Within the next 14 days I am demanding the following : 1. modify the late payments XX/XX/XXXX and XX/XX/XXXX listed on this account as paid or XXXX XXXX a check mailed to the address above in the amount of {$4000.00} XXXX an updated copy of my consumer report mailed to me