davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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)

I just recently looked at my credit report I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-10-27
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. (PA)

This account was charged off on the following date [ XX/XX/year>, OF FIRST CHARGE-OFF STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. 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 account : Experian : [ XXXX XXXX XXXX ] [ XXXX ] Subject : Dispute Regarding Response on My Account and Immediate Deletion Request To whom it may concern : I am writing to express my disagreement with your response regarding my account, which continues to contain inaccuracies. Additionally, you have now altered the date the account was closed and have been marking the charge off status month by month, which is illegal according to the law. I am therefore requesting the immediate deletion of this account, as you are legally required to provide an accurate and error-free verification, and this account contains numerous inaccuracies.

I ask that you resolve this matter appropriately and in accordance with the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
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 previously disputed these accounts with the relevant credit bureau ( Experian ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation.

The accounts in question are as follows : XXXX Account Number : XXXX Creditor : XXXX XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last Reported:XXXX Since the cr

edit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report. Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information. FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Consumer complaint received 2023-11-22
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. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX Balance Owed : {$270.00}.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

I noticed fraudulent activity on my card during XXXX during the lockdown period of the pandemic and called and reported in XXXX XXXX XXXX I worked with a representative and went through each statement in XXXX and we noticed a recurring charge I never purchased along with some in-store purchases I have not made. The total was for {$930.00} and the representative shared that the amount has been credits to my account and that I do not have to concern myself and that he also stopped payment from the XXXX vendors that I never approved purchases with ( XXXX XXXX, in person purchases at XXXX XXXX XXXX ). I have a history of my identity being stolen and fraudulent charges and the rep reassured that this has been resolved and I will be protected. The XXXX XXXX XXXX were purchases in XXXX and I live in Missouri at the time and was isolating due to the pandemic. In XX/XX/XXXX, all charges were placed back onto the my account and I was never notified by mail, email, or phone. I happened to be making a home purchase and I was informed if I contested again that our mortgage approval would be risked. So I had to wait until the purchase was completed all while undergoing a serious diagnosis during the year. When I called to follow up, there were representatives that said it was fraud and others said it was recovery team but there has been no consistency across the Chase representatives to resolve this and protect me from an identity thread history that continues to haunt me. I have been on time and make automatic payments and feel that the company seeks out customers who have auto payments from banks to sneak back fraudulent activity claims back on to unsuspecting customers. I did make purchases for childrens ' magazines but never purchases these other magazines. This is fraud and my credit card company did not protect me nor prevent the recurring charges as they committed to. I originally contested the charges at {$930.00} but the total is {$1200.00}.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AR)

I have an account listed on all three credit bureaus that is reporting inaccurate information and I hav ask for each bureaus to either delete or update the account as current with all three bureaus and to provide me with hand written copy of the source they use to investigate this matter..Each bureau has denied my request to do so..
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NY)

They are reporting this account from XXXX which is inaccurate thats when they purchased the debt. XXXXXXXX account was closed XX/XX/XXXX. Ive disputed this account numerous times with transunion, each time it comes back verified and correct which is completely inaccurate. There is literally no history listed on my credit report other than the date. This account continues to affect my credit negatively. I want this account either updated with the correct dates, payment history shown, the account closed with the right documentation provided. Not changed just because they can. If this cant be fixed I want it removed.
Consumer complaint received 2024-11-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Gold Star Finance, Inc. (TX)

I lost income XXXX check no longer so please call tell gold star finance contact stop sending me letter threatening I can't afford I am struggling debt so I have serious health problems that I have low white cell and I am very sick illness and fatigue and my chest hurts tell gold star finance leave me alone and if do I will go hospital again
Consumer complaint received 2023-11-17
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. (TX)

To Whom It May Concern, Please fix This Is my Fourth written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-04-07
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. (OH)

I recently pulled my credit report, and found numerous errors on my report. I am a natural person, I am a living human being. I have rights under 15 USC 1681 XXXX, XXXX, and Transunion is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have a right to privacy and I did not give XXXX, XXXX, and Transunion written permission to furnish these accounts. 

These are the errors I found XXXX & XXXX XXXX, account # XXXX, XXXXXXXX XXXX, XXXX, account # XXXXXXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX, account # XXXX, XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX, account # XXXX, XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, Some of these accounts are passed the statue of limitations allowed to be reported on credit report, therefore they should have already been removed.hhhh
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (TX)

I opened a CD account with Wells Fargo 11 months ago. It was going to reach maturity in 10 days. Now theyve closed it for no reason and they did not contact me - I contacted them, and was told they can not give me information and to contact their fraud department, which is not currently open. This is absolutely ridiculous of them to do this 10 days before my account reaches maturity. I cant see the money anywhere in my bank - I cant access the statements, see any of the interest payments or the initial deposit. Luckily I found the letter they sent with my account number. Please contact me if the account number is needed, this is shameful of a huge bank to do this to someone. I had {$30000.00} in that CD not including all the interest. Please help me get my money back.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX
Consumer complaint received 2024-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Collection Service (ID)

The collection agency is trying to collect a debt from a construction company, and the construction company was paid in full for the work they completed. They are trying to charge {$460.00} for work they did not complete. I am not paying for work they did not complete.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (MN)

Notified the company, Current bank, to lock my account due to my phone being stolen, and I was told they would. I later found my account was emptied and I can not get the company to answer my calls or respond to emails.
Consumer complaint received 2024-10-28
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)

This is my third formal request to remove inaccurate and false information from my credit report. The Account is XXXX XXXX, account number XXXX Date opened XXXX Balance {$11000.00} which has been charged off and written off. XXXX keeps updating the balance after failing to respond to fraudulent chargers on the account. They constantly gave me the run around and wouldnt connect me to a supervisor to handle this problem. Despite my previous attempts, the inaccurate information remains, the credit bureaus have failed to respond and according to 15 U.S. Code 1681 ( e ), 15 U.S. Code 1681 ( i ) HJR 192 REMED, 1099C & 1099A, FCRA Section 611 Part ( AX1 ) FCRA Section 605 ( c ), 15 U.S. Code 1635, 15 U.S. Code 1692 is a direct violation of my rights. The continued reporting of inaccurate dates, failure to respond, reporting without consent is false information, especially the misuse of my personal information, is not only unlawful but also damaging. Theres multiple reasons this account needs to be removed not to mention if its a write off Ive never received a 1099 from. You are required by law to ensure the accuracy of all information reported, and failure to correct these inaccuracies after repeated notification is a violation of federal consumer protection laws. Closed dates and balances are inaccurate on all 3 credit bureaus. None of them are correct which is also a violation. I request this false report to be removed from my Experian, XXXX and XXXX report. Thank you in advance
Consumer complaint received 2024-10-30
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (OK)

I would definitely consider myself someone who was aggressively rushed through financial aid and loan applications when I was in school. I had no idea the difference between federal and private loans, let alone the long-term impacts and overall costs ( especially not the compounding interest ) of my loans. Attempting to complete school while struggling with a previously undiagnosed XXXX XXXX  made it difficult to complete courses racking up more loans in my continued attempts. 

I have more than paid back what my original loan amounts were and tried numerous times to apply for XXXX discharge. Once in XXXX and again in XXXX. Both times the application was lost. I requested the application XXXX other times only for the application to never be received in the mail. 

When I have tried to follow up it's like my calls on the subject never happened. 

Throughout college, while navigating numerous XXXX XXXX XXXX  ( which have continued since ), in attempts to be able to pay for medical care I was also forced into more than one deferment and forbearance program without a full understanding of what that was let alone that I had other options at the time. 

I have been on income repayment but have still had to sell all my personal belongings to not be late on student loan payments. My student loan is 20 % of my total income .... if that doesn't include overpayments that were taken. No one juggling a life-threatening, XXXX XXXXXXXX should have to battle a lender like this when they're fighting to survive. I appreciate your consideration of my case and hope an investigation can help bring to light another grossly mismanaged loan arrangement.
Consumer complaint received 2024-10-25
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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.