davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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: DISCOVER BANK (NJ)

I have just looked at my credit report and found items that do not belong to me. I have called the creditors and found that they were opened in Florida. I have never lived in Florida. There is a Florida address being reported on my credit file but I never lived there. I have always lived in NJ and I am including my current license and a copy of a paycheck from 2019 when this Discover account was supposedly opened showing I was employed and living in NJ during the time frame these accounts were opened. 

I have tried to disputed these accounts and gotten no help. I need your help to get these fraudulent accounts off of my report.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (AZ)

An unauthorized transaction was made on my Chime XXXX XXXX account on XX/XX/year> in the amount of {$1400.00} at XXXX XXXX. I transferred funds to my account to set aside for a moving fund. I filed a dispute with Chime on XX/XX/XXXX they then denied my claim the following day without proper investigation. An appeal or rebuttal was filed on XX/XX/XXXX at which point I also provided a written statement and a statement from the business stating the charge was unauthorized. That rebuttal was also denied despite submitting substantial information. I tried calling police but because I was unsure where I misplaced my credit card they were unwilling to file a dispute. It has been now almost XXXX  months of me fighting the bank and nothing has been returned to me and this issue has yet to be resolved.
Consumer complaint received 2024-06-20
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have reported this incident promptly as identity theft and taken immediate action. It is crucial to address this matter promptly, as it has severely impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-06-20
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. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I am 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, Experian, and XXXX.
Consumer complaint received 2024-06-20
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have items passed on that should be taken out or blocked. 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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/year>
Consumer complaint received 2023-10-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

I've been trying to get in contact with Aidvantage because I shouldn't have to make payments on my loan while I am in school. This was assured to me by the Financial Aid department at XXXX XXXX XXXX. I am currently taking over 6 credit hours of classes and so not only should I not be accruing interest on my loans but also I shouldn't be getting notified to pay them until I've been out of schooling for 6 months. I did not take any summer classes as those aren't fully covered by student loans. 

I attempted to call Aidvantage today in order to settle this only to be put on hold by a machine for an hour only to be hung up on, but also when I tried calling back they didn't answer.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

Report Number XXXX XXXX Experian updated Fraudulent disputes! So since these fraudulent informationa as Experian states their Verified and Accurate. these accounts are fraudulent XXXX XXXX XXXX XXXX  account : XXXXXXXX XXXX account : XXXXXXXX XXXX XXXX  account : XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXXXXXX account : XXXX Delete these fraudulent placements . these accounts don't match my current address! 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.Relevant Legislation : 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports 15 U.S.C. 1681g ( a ) ( 5 ) : Information on free annual file disclosures 18 U.S.C. 1028A : Aggravated identity theft 15 U.S.C. 1681b : Conditions for furnishing and using consumer reports 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681c-2 : Blocking of information resulting from identity theft Action Requested : Under the provisions of the FCRA, I formally request that you : Block and delete all fraudulent accounts and inquiries listed above from my credit report. 
Refrain from including any information on my credit report that has resulted from this identity theft. 
Provide me with a corrected copy of my credit report reflecting these changes. 
Legal Rights : According to 15 U.S.C. 1681c-2, you are required to block the information resulting from identity theft within four business days of receiving my request. Additionally, under 15 U.S.C. 1681g ( a ) ( 5 ), I am entitled to a free copy of my credit report reflecting these changes. 
On my Credit report all these accounts were under bankruptcy and Experian updated Fraudulent disputes as accurate information. How the XXXX can you violate my consumer rights? EXPERIAN REFUSES TO REMOVE INACCURATE ADDRESS AND INQUIRIES/XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Experian has been sent my updated information by mail as required and it's been past 30 days and yet they haven't updated my current address yet! Experian policy isn't above the FDCPA or FCRA law!
Consumer complaint received 2016-04-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (DE)

Nationstar Mortgage LLC Is my LENDER and SERVICER, I have an existing complaint filed with your office relating to XXXX QWR letters I sent in XXXX 2016 and XXXX 2016 that was answered incomplete and when I filed a complainton your site you granted thier requested for another 60 days which would be 4 months worth of time all together to answer the start of the QWR letter dated, this XXXX XXXX th, which is well over the required 30 days to answer, I do n't think they should of been granted a total of 4 months, I sent the XXXX QWR letters by certified mail return receipt requested and received the returns by the post-office signed. 
NOW I AM FILING ANOTHER NEW COMPLAINT! 
I requested that Nationstar allow me to submit for a loan modification, XX/XX/2016 they sent the loan application by way of e-mail to go to the line site and download the documents with instructions, I did and completed the forms, signed the data and sent all the required documents by our state library fax machine, i received an e-mail from Nationstar the documents were received and completed on XXXX XXXX, and would review for approval. 
I called few times for the status, a rep would say something is missing and it was n't, and later I would call and another would say all is complete and nothing missing, this happened a few times, than out of the blue I went to check my mail and found a notice of sheriff sale date notice for XXXX XXXX, 2016, I m XXXX years, and my husband is bedridden, this notice shocked us and panicked.us, I called our state attorney 's office and faxed the proof that we made application and proof the documents were complete, and the sale is stayed-attorney as shown on the sheriff 's site. THIS IS DUAL TRACKING AND WE WANT YOUR OFFICE TO INVESTIGATE THIS MATTER., PLEASE! 
I am attaching the verification with this complaint,
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 Has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I am submitting a follow up today to inform you that I have been a victim of fraudulent activity. I have filed a report of complaint to the Federal Trade Commission ( FTC ) website at https : //www.ftc.gov. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the erroneous personal information and inquiries that have been posted to my report. Here is a list of items that were opened without my authorization : EXPERIAN : 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 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 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. As per FCRA Section 605B ( a ), credit reporting agencies must remove any items in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving the report.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (IL)

On or about XX/XX/XXXX  I received a letter from a company called Harris & Harris claiming that I owed a Illinois state tax debt in the amount of {$1000.00}, Interest in the amount of {$100.00}, a penalty in the amount of {$260.00} and a " collection fee '' in the amount of {$220.00}. 

My first complaint is that this was the first correspondence from this company and in violation of the Fair Debt Collections Practices Act, the company never once stated in that correspondence that I could ask for verification of this alleged debt, which this debt collector was obligated to inform me of. Instead this company lied stating " This matter is serious and must be resolved immediately '' which is untrue as I have 30 days to ask for verification of the alleged debt, including the amount and the company must respond before taking any actions. Harris and Harris knows this yet choose to violate the law. 

My second complaint, is that all of the " alleged '' debt amounts is incorrect, which Harris & Harris is aware of.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with the company and i 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 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. 

This company 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 2023-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (TX)

Discover Bank dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I have disputed fraudulent transactions on the Discover account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted. 

To this day they continue to report false derogatory information to credit reporting agencies. In the past 6 months theyve opened false accounts under my name and reported false information about them to credit reporting agencies no less than 4 times. Opening them with tags like over credit limit with current account opening/ creation dates. Ive included photos of just this very specific information. 

All this is done just to prevent consumers from obtaining credit and to keep their credit scores low. 

This is illegal and XXXX allows the practice.