davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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)

The only two accounts that are my are XXXX XXXX and XXXX XXXX XXXX I paid both of those accounts off they should not be in negative state. The other accounts are not mine I never authorized them.my social security number was hacked Name XXXX XXXXL Account Number XXXX Opened XX/XX/XXXX Status Paid, Closed POTENTIALLY NEGATIVE XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$610.00} written off. 
Status Updated XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX  Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX  POTENTIALLY NEGATIVE Account Info Account Name XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$540.00} written off. 
Status Updated XX/XX/XXXX XXXX
Consumer complaint received 2023-03-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC (FL)

Acra Lending has created issues with the closing of my residence XXXX XXXX XXXX XXXX XXXX Fl XXXX since I first started working with them to purchase the home. They first did not abide by closing date and changed terms a few days before closing, knowing I had {$80000.00} in deposit that I would lose. The loan XXXX and terms and points changed before effective date. This left me with very little cash on hand for the construction on the home, based on the draw requests work must be paid for and completed before draws take place to obtain funds to pay for repairs/remodeling. They held funds multiple times due to inspection delays and due to the work not being completed according to their guidelines causing several delays in the construction process. Once all draws permitted ( 8 ) which they were not flexible extending were completed the home was listed for sale on XX/XX/XXXX. The loan maturity date is XX/XX/XXXX. The home did not sell and I lowered the price three times due to pressures from the lender on repayment. I asked for Acra Lending to provide an extension and they denied it, based on the note default rate would be 20 %. I asked to extend with points and fees and received threats of primitive foreclosure and harassment from the company. I had a contract on the home at the time that I shared when I requested extension and sent this to them and they still threatened with foreclosure. I had to refinance with another lender for just 45 days from my maturity to loan closing date and paid {$98000.00} in total fees. Their lack of transparency and willingness to work with the consumer cost me hundreds of thousands and almost put me out of a place to live and my entire life savings. This company is taking advantage of personal information provided on sales contracts to coerce buyers into higher rate and terms, and attempting to foreclose companies/clients that have not even missed a payment with the purpose of taking their asset.
Consumer complaint received 2024-10-26
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, a woman from phone number XXXX called me, my husband, and my husband 's brother. Voicemails were left with my husband and I, but only our address was provided as " verified ''. No names were mentioned, including who she was or where she was calling from. She ended the voicemail with " you've been notified ''. My brother in law answered the call eh received and was informed the call was regarding an unpaid debt from XXXX in my husband 's name through Wells Fargo. They advised it was paid on for five or six years then stopped. We were all given another number to call back - XXXX. My husband called it and spoke with someone who advised they will settle with him for a fraction of the cost, and that if he does not pay, they will come after me for the money. He advised he did have a loan through Wells Fargo, but it had already been satisfied. I called the XXXX number today to get a " not in service '' recording. I called the XXXX number and spoke with XXXX, who was very short and careful about what he shared with me. He said my husband has already been in contact with the, that he is scheduled to be served with a court summons, and that he needs to reach out to his case administrator. The only identifying info any of us have for the company ( other than the phone numbers ) is " XXXXXXXX XXXX XXXX '' ( unsure of spelling ). No XXXX results appear for that phone number. Honestly, this seems to be a fraudulent company or scheme. I was not with my husband in XXXX and my brother in law was not connected whatsoever to the loan that was taken out around that time frame. The loan was in my husband 's uncle 's name and my husband was unknowingly placed on the loan.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (FL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-10-26
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)

Consumer requests Method of verification under FCRA XXXX XXXX XXXX  lates payment all documents submitted within 15 day by email or mail if All three CRA refuse I will enforce FCRA B 616.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Subject : Statement of Inaccuracies on Credit Report I am writing to formally dispute inaccuracies on my credit report. My name is [ XXXX XXXX XXXX, and my Social Security number is [ XXXX ]. 

Upon reviewing my credit report, I found the following inaccuracies : XXXX. [ Account XXXX XXXX XXXX XXXX ] : This account shows [ describe the error, e.g., inaccuracies Are EXPERIAN Account Type - SECURED LOAN Status - PAID, CLOSED Status Updated - XX/XX/XXXX Balance Update - Paid Off - Past due - XXXX Account Type - INSTALLMENT Status - PAYS ACCOUNT AS AGREED Status Update - XX/XX/XXXX Balance Update - XXXX XXXX Paid off - 100 % Past Due - XXXX  Account Type - INSTALLMENT ACCOUNT Status - PAID OR PAYING AS AGREED Balance Update - XX/XX/XXXX Past Due - {$0.00} Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-03-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

I had a fraudulent account through XXXX for almost 2 years. I had repeadly told Chase I don't have an account with them. They started giving me a hard time. Said I had to prove I didn't have an account. All the while I was denied having an account, I finally after 6 months contacted XXXX. I emailed & wrote to them with no response. 
I told this to Chase. Never once was I told of a 60 day rule. When I spoke to XXXX I did not have an account. There were 6 accounts attached to my named. I was told they could not closed the account. 
I was given the name of the person that was using my name. Then I started looking at my invoice. The XXXX number & the subscription number were the SAME. This got by CHASE 'S HIGH TECH SECURITY!! I couldn't believe it! I went numerous debit cards a checking account. To this day I found the person gave them ALL the information and it still gets through. 
They refuse to honor the money back after the 60 days. They stick by their rules, but their security was at failed and still does!
Consumer complaint received 2024-10-26
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)

I am writing to formally dispute in XXXX information that XXXX XXXX XXXX is reporting to the consumer reporting agencies XXXX Experian and XXXX regarding my account despite multiple disputes and the submission of evidence the inaccuracies remain uncorrected causing significant harm to my credit profile and impacted my ability to secure employment and transportation I have made numerous complaints and disputes regarding XXXX XXXX XXXX, account number XXXX, and the CFPB, the consumer reporting agencies ( XXXX, XXXX and Experian ). All these agencies have disregarded to even look at my complaints and disputes. 

If this account name : XXXX XXXX XXXX # XXXX is verified to be accurate and complete through the creditor and these above agencies, WHY IS?

1 ) FAILURE TO MARK ACCOUNT AS DISPUTED : Despite my repeated dispute the account has not been marked as disputed, which violates the Fair Credit Reporting Act ( FCRA ). Under section 611, credit reporting agencies are required to indicate that an account is under dispute.

2 ) ACCOUNT BALANCE : XXXX XXXX XXXX is reporting a balance of XXXX. However, I have received verification from XXXX XXXX XXXX XXXX, acting on the behalf of XXXX XXXX XXXX as debt collectors indicating that the balance on this account is {$0.00}. Despite this documentation the credit bureaus continue to report the incorrect balance.

3 ) DATE OF LAST PAYMENT : There are discrepancies between the date of last payment and the date of last activity as reported by the credit bureaus these dates are inconsistent which affects the reporting period for this account.

4 ) INACCURATE PAYMENT HISTORY : XXXX is reporting misleading and inconsistent payment history data including marking months as " OK '' even though the account is " CLOSED AND CHARGED OFF ''.

SUMMARY OF FCRA VIOLATIONS : - Failure to correct inaccurate information despite being provided documentation in violation of Section 623 of the FCRA.

- Failure to properly reinvestigate my disputes, in violations of Section 611 of the FCRA.

- Failure to mark the account as disputed as required by the fcra after multiple disputes were filed.

IMPACT ON MY CREDIT AND MY EMPLOYMENT : These inaccuracies have severely damaged my credit score, making it difficult for me to obtain transportation and secure employment causing significant financial distress.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I spoke with some one from XXXX XXXX XXXX XXXX letting them know I never authorized nay card to be open in my name I asked XXXX if they could verify that I had applied for this card that they are reporting they stated the card was opened on line with my information I did not open this card and this. Closed account reporting is fraudulent, I have also had the same issues with XXXX XXXX I never opened any Credit card through their company they to stated it was an online opened account! During the time I was staying will people while attending school my identity was used I never collected mail from this home I learned of these cards through credited reporting.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AE)

All three companies make it impossible for me to access my credit report via XXXX XXXX XXXXXXXX This has been going on for YEARS ever since I moved to a XXXX XXXX XXXX Every time I apply, the web site says unable to comply and to send my request via mail. I have been waiting more than 12 weeks for them to respond. This has happened EVERY year since XXXX Please get all three to allow me to access my credit reports via XXXX XXXX XXXX/ Thank you
Consumer complaint received 2024-10-26
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 am writing to formally request the blocking and deletion of all inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit. 
The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

MY INFORMATION ON MY CREDIT REPORT IS INCORRECT PLEASE SOLVE THIS. MY ADDRESS ACCOUNTS ON REPORT AND EVERYTHING IS INCORRECT!!!! 

I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

At this point I am being completely taken advantage of as a consumer. My accounts have been able to be deleted from XXXX due to inaccurate reporting and other errors on their behalf but XXXX and Transunion refuse to correct their mistakes and remove the items. It is against to law for them to report inaccurately on my behalf and for them to all be reporting information that does not align with each other this is ridiculous and holding me back from moving forward in my life and business deals. I am suffering because of their disrespect for consumer law! The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. These are the accounts XXXXXXXX XXXX XXXX XXXX Past due balance reporting incorrectly under Metro 2 guidelines. 
XXXXXXXX XXXX XXXX XXXXXXXX Past due balance reporting incorrectly under Metro 2 guidelines. 
XXXXXXXX XXXX XXXX XXXXXXXX Past due balance reporting incorrectly under Metro 2 guidelines. 
This is a violation of the FCRA 15 U.S. C 1681i and is also in violation of requisite METRO 2 Compliant reporting Standards.

According to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) I have the right to a fair and accurate credit report, and you are required to promptly delete, and remove any information that is not true, accurate, and verifiable.

Someone needs to hold them accountable for this. The accounts reporting inaccurately need to be deleted immediately this process has taken too long!
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I signed up for Bank of America Mobile banking but did not purchase the deposit machine since I already had one for another business. There rule is that after the 30 day trial you have to keep the service for 24 months or they charge an early {$250.00} termination fee. We called and spoke with a representative XXXX XXXX on XX/XX/2024 ) and they agreed to cancel the service without a fee since we are depositing very few checks, but later retracted their decision and are refusing to cancel the service without a fee. First of all, there should be no cancellation fee since no equipment was purchased and I beleive in California early termination fees have been eliminated. Also the time frame of 24 months is not usual and customary. This is a fraud fee and needs to be addressed.
Consumer complaint received 2024-10-26
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-31
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or rectify the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-26
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. (PA)

My credit report is showing an unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these UNAUTHORIZED inquiries has affected my credit profile and is affecting me from using my credit. Under the FCRA, specifically 15 U.S Code 1681 ( n ) | am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy these inquiries needs to be removed immediately.