davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX XX/XX/XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX  XXXX is reporting a balance of {$5400.00} when it is my understanding and reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence there of. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. 

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. 

Regards, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Upon reviewing my credit reports, I discovered several inquiries that I did not authorize. These inquiries are negatively impacting my credit score and do not reflect any applications for credit or services that I initiated. I have contacted Equifax, XXXX, and XXXX multiple times to dispute these inquiries and have provided all necessary documentation to support my claims. Unfortunately, none of the credit bureaus have removed these unauthorized inquiries from my credit reports, leading to ongoing frustration and potential financial harm. 

Also, I am seeking your urgent assistance regarding a serious issue with Equifax. Equifax is reporting an incorrect Social Security number on my credit report and has repeatedly refused to remove it despite my providing the necessary documentation. 

This error is significantly affecting my credit standing and causing undue stress. I have attempted to resolve this matter directly with Equifax multiple times, but they have not taken corrective action. 

I kindly request your help in addressing this issue and ensuring that Equifax updates my credit report to reflect the correct Social Security number. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-11
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. (NC)

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Both of these companies have violated my rights USC 1681 section 602 A, Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions USC 1681s2 ( 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
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I want to report fraud. Someone is trying to open credit cards in my name so there are fraudulent hard inquiries on my credit report. The credit cards have luckily been denied but I have several attempts made in my name to open accounts. I have reached out to XXXX, XXXX, and XXXX to report these as fraud. The following fraudulent hard inquiries were made : On XXXX : - CAP ONE NA XX/XX/XXXX - XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX On XXXX : - XXXX XXXX XXXX XXXX XX/XX/XXXX - CAPITAL ONE XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XX/XX/XXXX On XXXX : - CAPITAL ONE BANK XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I plan to call each of these places to report fraud as well.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am requesting statements of all of my late payments that are reporting to all of my credit reports. I noticed that I have several late payments reporting that I do not recall. This is negatively affecting my credit score and keeping me from purchasing a home.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than XXXX business days after the date of receipt. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, IS U.S Code 168lb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report un the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum 1 am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Informed XXXX and XXXX to Remove listed Inquires. 
And produce P.O.A and Informed Them That the name XXXX XXXX XXXX and any variation of the name is attached to a Registerd Security Agrement
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (SC)

Call Synchrony Bank, XXXX XXXX account to closed my account on XX/XX/year>. I paid off the current/statement balance. Will no longer be using the card and they actually charging me an interest charge and I have used the card in month. Told the representative to close the account. Not fair that you have charged me interest charge on the card when I have used the card. They sent a letter about lowering my credit allowance. I specifically told her to close the account.
Consumer complaint received 2024-07-30
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. (NY)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-03
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. (TX)

Dear XXXX, I am writing to formally dispute the actions of several accounts that have violated my rights under the Fair Credit Reporting Act ( FCRA ). The specific accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been violated in the following ways : Right to Privacy : As stated in 15 U.S.C. 1681 section 602 ( a ), I have the right to privacy regarding my credit information. These accounts have failed to uphold this right, as my personal credit information has been mishandled or improperly disclosed. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing a credit report without my written instructions. Each of the above-listed accounts has reported information about my credit without obtaining my explicit written permission, thereby violating this provision of the FCRA. These actions have caused me significant distress and have potentially impacted my financial standing. I request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations and take appropriate measures to ensure that these companies comply with the FCRA. Enclosed with this letter, you will find copies of relevant documentation supporting my claim, including credit reports and correspondence with the aforementioned companies. Thank you for your prompt attention to this matter. I look forward to a resolution that ensures my rights are protected under the FCRA. Should you require any additional information or clarification, please do not hesitate to contact me at the above-listed contact information. Sincerely,
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Experian is reporting information that is XXXX XXXX XXXX. Experian is still reporting XXXX XXXX and this account removal date was XX/XX/year>. They have not removed the account.
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Inadvertently, on XXXX XXXX, my hazard insurance expired, because the current one ( XXXX XXXX XXXX  XXXX ) did not renew it. I got another insurance on XX/XX/3023 ( XXXX  Policy # XXXX ). SPS lender place carrier from XX/XX/XXXX to XX/XX/XXXX. and charge {$310.00}. This is : XXXX. Current new insurance is XXXX. This means that SPS placed insurance that is 178 % of the average insurance for this property. My complaint is directed at two points : 1. New insurance started effective XX/XX/XXXX. at XXXX XXXX. Therefore, the lender place insurance should be effective until XX/XX/XXXX. not XXXX. If they are going to charge XXXX, then it would be 11 days, not 12 days. 
2. I understand that the lender place carrier could be more expensive but increasing 76 % is abusive.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-30
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. (IL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-09
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION (MN)

Sallie Mae advertises an interest rate between 3.5 and 15 %, yet after running a hard credit check, you will receive the high-end rate, which is worse than my credit cards. I have a credit score of XXXX  and a XXXX salary, with less than $ XXXX  in debt outside of student loans. There is no way that I should be falling at the highest rate. When I tried to get an explanation on the rate all they could tell me is it's a mix of factors and you can take it or leave it.
Consumer complaint received 2024-07-30
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: EQUIFAX, INC. (AL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-30
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. (CA)

FTC report attached. Fraudulent Equifax Inquiries.

I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transactions that i have made. it is the result of identity theft. please block this information from my credit report, pursuant to section 505b of the fair credit reporting act and send the required notiifcations to all furnishers of this information XXXX XXXX... Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX
Consumer complaint received 2024-07-30
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. (NC)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-03
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 have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (TX)

Since the age of XXXX all the way to the age of XXXX I lived with my aunt who was my legal guardian at the time. I am currently XXXX and no longer live with her. My aunt of course had access to all my information such as medical records, school records, overall access to all my information ssn, everything. As soon as I turned XXXX, She took out a loan without my authorization and knowledge. I did not realize till after I moved out from her home and started looking more into credit score and how it impacted me in multiple things. I realized I already had a credit card in debt of more than 2000 dollars. I learned that when I used apps to view more into credit. The only way I could think of her making an account for credit would be online. After I found out about it It was too late, the account was closed due to multiple missed payments. I honestly did not have the courage or knowledge to report fraud because I assumed it was normal for my guardian to have my information but later learned it was not okay for them to use it against my knowledge. For years my aunt, when I used to live with her, asked for assistance in benefits such as Medicaid and food stamps for me. And forced me to take out student loans, student loans I have knowledge of and she promised me she was going to pay for those but now Im just stuck in a lot of debt. Some debt on the other hand, I wasnt aware of, like the credit card debt with Wells Fargo. With student loans I was under a lot of pressure by living under her roof and feeling like I owed her more than what the government was already giving her for me. I honestly can prove that my ex guardian has all my information, my medical, student records and the bank account I mentioned all have my information and somehow hers. I have a copy of the taxes she filed with XXXX XXXX  website with my information. Snap as well can have information on their end of the amount of times and money they gave her for me. Medicaid has information as well. I just need assistance.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This complaint is against Wells Fargo Bank. When one is experiencing identity theft, there is tremendous stress involved. And this can require several hours of work each day. Very aggravating when the identity theft was created and caused by a XXXX XXXX XXXX XXXX XXXX XXXX. And to make matters even worse, when everything was put in place to prevent what Wells Fargo allowed to happen- specifically my Retirement Savings drained- as I had all accounts deactivated and disabled????? 14 months thus far, back and forth with Wells Fargo. In dealing with Wells Fargo, I have been passed through many departments, many Escalation Representatives, Executive Office Case Specialists, Deposit Product Support Services, Mediation Program, Claims Assistance, Executive Office ( many times ), Enterprise Complaints Management Office ( countless times ), etc., etc., etc., This entire ordeal has been very aggravating, and made much worse in dealing with such a hateful and anti- customer oriented bank such as Wells Fargo. I need a Cashiers Check mailed to me for $ XXXX which is the amount that Wells Fargo allowed to fraudulently removed from my Retirement Savings. I need ONE DEPARTMENT and ONE STAFF MEMBER to work with me for a Resolution!!!