davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
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. (VA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-01
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. (WA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-01
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. (PA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-08
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. (FL)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-06-01
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)

According to the fair credit reporting act 15, USC 1681 section 602 states there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to privacy XXXX and experience our consumer reporting agencies and I the consumer I have the right to make sure my private information isnt shared Which backed by 15 USC 6 801 which states it is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer and to protect the security and confidentiality Those customers nonpublic personal information.

Furniture of information to create agencies is a financial institution by definition under that title 15 USC 1681 section 604 section 2 states that in general subject to section C, any consumer reporting agency may furnished a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates the financial institution and the consumer reporting agency do not have my consent to furnace this information and they surely do not have my written consent or XXXX any and all consent to XXXX, XXXX XXXX and Experian whether it be verbal nonverbal written implied non-written or otherwise is revoked 15 USC 6 802 section B section C states that a financial institution may not disclose non-public personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option never inform me of my right to exercise my nondisclosure option not only that 15 USC 1681C section a five states accept as authorized under subsection B no consumer reporting agency may make any consumer reporting 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.

This account is an adverse item. They are reporting again without my permission which is against the law 15 US code 16 812 section one a states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is in accurate 15 USC code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the proposed listed on section 1681B of this title XXXX and XXXX XXXX are not maintaining reasonable procedures also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time, Im opting out of your reporting services..
Consumer complaint received 2024-06-01
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date XXXX XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (AZ)

It's been a issue getting everything out of the show me time I've called in to complain. I finally receive a replacement card but I went about almost 3 months without a card. And during XXXX time it may be very hard. Finally receive one after many months You command it with me a lot. Due to was around XXXX time XXXX. My birthday 's in XXXX. My daughter 's birthday. When I finally do receive a card I still begin to have issues, overdraft fees, and disputes do not get fixed. They have not been fixed, bank of the west has went to bmo and barely a fraudulent case was made by bmo nit bank of the west The bank has my change of address. 
I have yet to receive dispute form? But instead got ta letter or paper in the mail saying that I am overdrafted and to basicallypaid up. But yet I have not received a dispute form to fill out by mail or anything This is very inconvenient given that I stayed Arizona where I have to drive about an hour and XXXX minutes to go to the bank or go all the way back to California and find a local bank. Many issue has been going on with my card since 2022 of XXXX.
Consumer complaint received 2024-06-01
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-01
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-01
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: 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN./ XXXX XXXX XX/XX/XXXX EXPERIAN. 
XXXX XXXX XXXXXX/XX/XXXX EXPERIAN. 
XXXX XX/XX/XXXX XXXX. 
XXXX XX/XX/XXXX XXXX. 
XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN. 
XXXX XXXX XX/XX/XXXX EXPERIAN. 
XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XX/XX/XXXX XXXX.
Consumer complaint received 2024-06-01
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. (VA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (AE)

Good Afternoon, I was recently reviewing my checking account statement and noticed that from XX/XX/XXXX to XX/XX/XXXX, NFCU have charged my account excessive amounts in return item fees or overdraft fees. 

Optional Overdraft Fees : {$340.00} Returned Item Fees : {$400.00} XXXX Total Fees : {$740.00} Optional Overdraft Fees : {$600.00} Returned Item Fees : {$580.00} XXXX Total Fees : {$1100.00} Total Fees Paid to NFCU in the past 17 Months : {$1900.00}
Consumer complaint received 2024-06-01
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)

Dispute of Inaccurate Information on My Credit Report Dear CFPB, I am writing to dispute inaccurate information on my credit report related to the following accounts with XXXX XXXX : - Account : XXXX - Account : XXXX Despite my efforts to resolve this issue with both the creditor and Experian, the inaccurate information remains. I have contacted XXXX twice and requested to speak with a supervisor. Each time, I was either redirected to another representative or offered unrelated services. This has not led to any resolution. 

The problem began when XXXX claimed an issue with my card on file, which I promptly addressed on the same day. However, they failed to update their records correctly. This error has caused significant hardship, including a drastic drop in my credit score from the high XXXX to the low XXXX, resulting in the rejection of my apartment application. I am now facing the possibility of homelessness with my daughter. 

According to 15 U.S.C. 1681a ( i ) Exclusions, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Since this situation falls under this provision, this information should not be included in my consumer report. 

I respectfully request that you investigate this matter and ensure the removal of these inaccurate entries from my credit report, please. 

For further correspondence or legal inquiries, please contact my attorney : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX Phone : XXXX Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

Due to my home being damaged by a hurricane I received a large insurance settlement to do repairs. I endorsed it and sent it to my mortgage company. I have completed all repairs, turned in over XXXX receipts/ documents and had an inspection set up by the mortgage company that came back as 100 % of repairs completed. The loss draft department does not communicate with me unless I call them and spend over an hour on the phone. Every time I call, XXXX told that they need XXXX more document from me. I email it while on the phone with them and then they say my check will be sent out in XXXX business days. When I dont receive the check, I call back and it is the same thing again. This has happened multiple times. According to their policy, after the inspection report coming back as 95 % or more completed they release the full amount of the funds. They have not done this and are continuing to give me the run around.
Consumer complaint received 2024-06-01
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: Experian Information Solutions Inc. (TX)

This consumer reporting agency is also in violation of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my Experian Report without my written authorization and permissible purpose under the Fair Credit Reporting Act and its guidelines which is a direct result of IDENTITY THEFT and not in METRO 2 COMPLIANCE.

A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer. 

According to the law referenced, EXPERIAN must remove the following unauthorized inquires that were pulled from my report without my written authorization and permissible purpose Immediately : Person XXXX XXXX XXXX XXXX  Date Of Inquiry : XX/XX/2024 Person : XXXX  XXXX XXXX Date Of Inquiry : XX/XX/2024 Person : XXXX XXXX XXXX  Date Of Inquiry : XX/XX/2024 Person : XXXX XXXX XXXX Date Of XXXX XXXX XX/XX/2024 Person : XXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/2024 According to 15USC1681 ( e ) it is your obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report by making each person or furnisher of data provide an original signed contract with written authorization I gave them to obtain a copy of my report.

THIS UNAUTHORIZED DATA IS A DIRECT RESULT OF IDENTITY THEFT PURSUANT TO 18USC1028 ( A ).

According to 15 USC 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) 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. 

Provide the original consumer agreement with my signature that gave you written authorization. 
Please update my personal information on my Experian Consumer Report to the following immediately : Update Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Update Employment : CEO of XXXX XXXX XXXX Please REMOVE THE FOLLOWING PERSONAL DATA FROM MY CREDIT PROFILE : INACCURATE NAMES : XXXX XXXX XXXX, XXXX XXXX INACCURATE EMPLOYMENT : XXXX XXXX XXXX  ( SELF EMPLOYED ), XXXX INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX