davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCM Finance LLC (TX)

victim of identity theft and I've made several complaints to all bureaus. The person was allowed to get another vehicle in my name, and I've been a victim of court proceedings of this person having my name involved in activities. I've filed police reports and made multiple attempts to correct my identity i need help. I'm unable to get any credit or home for myself but this person has cars, bank accounts, credit cards and more using my identity.
Consumer complaint received 2023-11-08
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-08
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: Experian Information Solutions Inc. (UT)

I have no knowledge of these hard inquires and that hard inquiries are a result of identity theft and that it must be removed within no later than 4 business days as per 15 USC 1681, C-2 XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-11-09
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. (FL)

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature.
Consumer complaint received 2023-11-08
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)

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681b Quick search by citation : Title enter title Section section 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consume.

HERE IT CLEARLY STATES AND THIS IS LAW ACCORDING TO 15USC 1681B ; THAT ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ; COURT JURISDICTION, SUBPOENA, OR IN ACCORDENCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER! 

XXXX XXXX XXXXXXXX XXXX * XXXX These are XXXX accounts on my credit reports. 
TO ALL XXXX CREDIT REPORTING AGENCIES PLEASE EMAIL ME A COPY OF THE PAPER WITH MY WRITTEN INSTRUCTIONS GIVING MY PERMISSION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORTS!
Consumer complaint received 2023-11-08
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)

Yes I have incorrect information reporting on my credit due to identity theft and fraud this has ruined my life and I will like for it to be removed. I spoken with several reps from XXXX about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) XXXX assumed this role without permission nor my consent, also XXXX did not respect my rights to privacy which is under 15 USC 1 [ ... ]
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (IL)

I have called before and tried to talk to Chase that there was an issue with linking the accounts to avoid their monthly service fees. They state they have been unable to help and do not understand why one account is link and not the other. In the statements where I am the primary my monthly statement shows the other owners, which are my parents, their average balances. I am able to see the average balances they keep on accounts I am not on. I did mention it in a branch when I was in Indiana but there has been no solution. The bank creates options and wants people to use self-help, technology to avoid going to the branches and then the person on the phone just states they I need to go into a branch to get either fees reverse or an account closed down.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I have unknown hard inquires listed on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquires and reporting is violation of my rights under FCRA.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I was paying back my student loans through Aidvantage. I paid off XXXX separate direct subsidized loan in full. A few weeks later I returned to the website to pay off additional loans. I saw that XXXX loan 's balance was now {$0.00} and assumed that the second loan was processed as well. 

I have then paid off XXXX more loans, but apparently I paid off XXXX loan and overpaid the original loan which did not show as processed on the website. The overpayment was {$4200.00}. 

I have then reached out to Aidvantage via phone and was told that the funds were going to get automatically refunded within 14 days ( this was the first lie ). After 14 days, I called again and was then told that the amount was too large to refund and they will need to submit an approval to their XXXX. This process was going to take XXXX weeks. 

It has now been over XXXX weeks and I called for the XXXX time. This time I was told that the approval was never submitted or processed. The representative then admitted that this was overlooked on their end. She has then submitted the approval to the XXXX again and claimed that this time for sure it will get processed, but I have to wait at least XXXX weeks because the holidays are coming.
Consumer complaint received 2023-11-08
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. (IL)

Today, I am writing this complaint to Experian regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-11-08
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. (TN)

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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX I Account number XXXX, XXXX  Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number Account number XXXX. 
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 2024-09-23
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)

This morning, I found unauthorized inquiries on my credit report, and I have no idea why they appeared. I routinely check my credit report, but this time, these discrepancies just popped up unexpectedly. I tried refreshing my browser, hoping it was a glitch, but the unauthorized inquiries stayed. I'm incredibly frustrated by this and need the documents I've sent to be thoroughly reviewed, so I can put this issue behind me once and for all.
Consumer complaint received 2023-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

Mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage with the incorrect loan end date. I have a XXXX year mortgage not XXXX  years. This transfer was initiated between these two companies, I have no control over this. But yet they both are trying to make me do the work to correct their mistake. I already have a full time job.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been a customer of Bank of America for decades. I have been using their credit card to survive, but the interest rates are always too high. Many times over the years, as a good paying customer, I requested interest rate reductions and they always refused. I had to keep transferring balances. Im basically using the card for groceries and other living expenses. Now, I am on XXXX with limited income, and life is getting too expensive. 
I have been trying in vain for XXXX hours now trying to reach a human on the phone, and XXXX cant. I request callbacks and calls go right to voicemail and then I have to start the whole process over. This is absolutely unacceptable. I am trying to work with them to reduce my charges so I dont have to go bankrupt and they are not answering any phone numbers, and keep getting put on hold with outdated redundant messages circa 2005, when it was last this ridiculous to get a human on a phone line. It should NEVER, EVER take one many hours in vain to reach a live human in order to resolve an issue before it becomes a bigger problem. I also want all of the banks to do a cancel credit card interest debts for Americans like all the little rich college kids got their student loans excused.
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (NY)

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.

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 2023-11-08
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)

To Whom It May Concern, I am writing to formally dispute the presence of certain accounts on my consumer report, as I firmly believe that they are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 15 U.S. Code 1681c-2.

Under 15 U.S. Code 1681b, which addresses the permissible purposes of consumer reports, it is unequivocally stipulated that a consumer reporting agency may furnish a consumer report only under specific circumstances, one of which is " In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. '' I wish to emphasize that I have NEVER provided written consent to any consumer reporting agency to include the disputed accounts in my consumer report. This infringement directly contravenes my rights as a federal pro-consumer individual. 

Furthermore, I must bring to your attention that the inclusion of these accounts on my consumer report without my consent amounts to identity theft, a matter I have promptly reported to the Federal Trade Commission ( FTC ) and for which I have been issued an FTC reference number ( XXXX ). As an identity theft victim, I urgently demand the immediate removal of these accounts and inquiries from my consumer report. 

Account Information : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiry Information : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 According to 15 U.S. Code 1681c-2, a consumer reporting agency is mandated to block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than four business days after the date of receipt. It has now been more than 30 days since my initial request, and your agency remains in violation of this law by failing to promptly address my dispute as a victim of identity theft. 

I want to make it abundantly clear that my dispute is not with the creditor associated with these accounts but with your reporting agency, which I did not authorize to include this information in my consumer report. I kindly request the immediate deletion of these items from my consumer report to rectify this unsettling situation. 

I fully anticipate your agency to act in accordance with the FCRA and federal law with the utmost expediency. Failure to do so may compel me to take legal action to safeguard my rights as a consumer. I earnestly appreciate your immediate attention to this pressing matter.
Consumer complaint received 2023-11-08
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-08
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: Experian Information Solutions Inc. (TX)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX  and the credit bureaus ( XXXX, XXXX, Equifax ) are continuing to report a fraudulent account that should have been removed along with other accounts proven to be unverified. Despite submitting identity theft documentation and multiple requests for verification, no legitimate proof has been provided. Instead, they have manipulated the account details, re-aging it to make it appear recent. This has caused ongoing damage to my credit and is a clear violation of proper reporting standards. 

I have already seen other fraudulent accounts from the same period of identity theft successfully removed, proving that they could not be verified. However, XXXX and the credit bureaus are failing to act on this account, despite the documentation I provided during my medical incapacitation, as detailed in my FTC Identity Theft Report. 

There is no valid reason for this account to remain on my report, and the lack of transparency in the process of re-aging the account to prolong its negative effect raises significant concerns.
Consumer complaint received 2023-11-08
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)

Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.

15 usc 1666b- Timing of payments ( 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.

15 usc 1681a Definitions ; rules of constructions ( 2 ) ExclusionsExcept as provide in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making report