davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
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 have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-06-14
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)

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 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (VA)

To whom it may concern On XX/XX/year> I sent {$1500.00} through zelle to my friend using the phone number ( XXXX ) XXXX. When it didn't go through he informed me that his phone number had been changed. 
I tried to cancel the transfer but it had already gone through. His old phone number is attached to another person at XXXX XXXX XXXXXXXX named XXXX XXXX XXXX. 
I called my bank to see if they can stop the transfer but they said it's already gone it's too late. I was told to request the money back and I did. It has been over 24 hours. 
I went to the nearby XXXX XXXX XXXXXXXX facility and they told me they see the money is deposited into her account but there's nothing they can do about stopping the process. 
I asked if they can notify her of The Accidental transfer and they said no. 
When I tried to call the phone number it is disconnected. I called XXXX and they say it's a bank problem. 
I tried to file a claim through my bank at Navy Federal but they say this is a cash in hand transaction. I don't understand because this is electronic transfer bank to bank. I don't understand why my old friends disconnected phone number is attached to her bank account at XXXX XXXX XXXXXXXX. 
I asked XXXX XXXX XXXXXXXX if they can send her an email of The Accidental transfer but they said no to that as well. I have run out of options {$1500.00} is a lot of money for me please if you can help me I would be forever grateful. 

Thank you and have a blessed day.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have noticed an account that is in violation of my rights, the FCRA, and the FDCPA. Below is the information regarding the account I am referring to. I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX XXXX XXXX. I am not liable for this debt with XXXX  XXXX and do not have a contract with XXXX XXXX XXXX. I am not liable for this debt with XXXX XXXX. They also have let someone make an inquiry using my credit for XXXX XXXX since then when I have a known fraud alert that has been in place for over a year. They did not provide me with the original application as requested. I have also submitted an FTC report about this and they removed it from my credit report, only to reappear under a different name and with an address that I have never lived at. My identity has been stolen twice and I have let them know that with a police report and papers from the IRS. Please review the information above and have it removed immediately, as it violates my consumer rights as well as my FDCPA rights. Thank you!
Consumer complaint received 2024-06-14
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (FL)

I am on unemployment for the first time. I was sent a WayToGo card. After seeing the astronomical fees, I changed my payments to my direct bank deposit. The fees these bank/card charges are horrid. Every time I call in ( you are NEVER able to speak to anyone because it doesn't give you an option ), I get a {$0.00} charge. Even if I go online, I get a {$0.00} charge. 
When I received my first payment, I went to my bank ( XXXX XXXX  ) to pull the funds from the card. It was declined because my bank handles visa cards. I went to one of the " suggested '' banks, which charged {$1.00}. 
To this day, I have been charged {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$1.00}, and {$0.00} ( and one more charge of {$0.00} because I had to log in to ensure all the charges were reflected correctly. 
Total loss of money : {$4.00} I ask for your help because if this bank/card is doing this to me, they are probably doing it to others. Next, being unemployed, taking money from the client 's account, such as above, does not help, especially when funds are tight.
Consumer complaint received 2024-07-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY (NY)

I was told pmi would fall off after 20 % received a letter saying that the window is approached and to call. Then I did they sent another letter saying that pmi has to stay on for the life of the loan. Multiple problems with Wells Fargo have occurred besides this.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAVALRY INVESTMENTS, LLC (NY)

Cavalry Portfolio Servic {$2100.00} Cavalry Portfolio Servic {$6900.00} I put in a dispute through XXXX XXXX. it was stated that that the dispute would take 30 days. I followed the progression of the process on the XXXX XXXX  site. After 60 days of being " In Process '', the dispute disappeared. 

I called XXXX XXXX, and they said it was denied by XXXX XXXX XXXX which purchased the debt from XXXX XXXX XXXX 

I have not made a payment to either company since XXXX of 2018. 

According to Statue of Limitations is 3 years, for open ended accounts in Connecticut, where this credit was originally approved by XXXX XXXX, is located. 
Also, in New York State where I lived and still reside, the Statue of Limitations is 3 years, for open ended accounts. 

Therefore, this debt should be removed from any and all credit reports in my name.
Consumer complaint received 2024-06-14
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)

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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contacting 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 7 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. Also, please see the letter attached from the bankruptcy court stating they do not report to any consumer reporting agencies providing bankruptcy information. The letter from XXXX XXXX locating and removing the bankruptcy information from their database. I have not given you a written consent to document or save my bankruptcy information in your database system. Please provide me a letter stating where you obtained the bankruptcy information. If it is from the bankruptcy court, IT IS AGAINST THE LAW! Also, please provide me the letter I wrote to your company to furnish, store, input, obtain, etc. my personal information for your companys database. Please remove the bankruptcy and accounts associated in the bankruptcy immediately from your database. Under the FCRA, I am guaranteed the right to sue a party that has violated my rights or protections under the act. If a credit bureau or furnisher is continually reporting false information, despite your efforts to dispute the information, I have grounds for a lawsuit. 


Page XXXX Name inaccurate. See Drivers LicenseREMOVE BANKRUPTCY! 
Page XXXX Address inaccurateSee Drivers LicenseREMOVE BANKRUPTCY! 

See Bankruptcy Document : Pages 19-24 Creditors filed in BankruptcyPlease remove all accounts documented on my credit report below. They are not documented with accuracy with original amounts nor documented as included in bankruptcy. Also, provide me the letter I wrote to your company to store these accounts in your database. REMOVE THESE ACCOUNTS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.
Consumer complaint received 2024-06-14
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. (CA)

Ive sent out XXXX letters since XXXX of this year. I have inquiries that was not authorized by me at all as I just signed up for Experian in XXXX.
Consumer complaint received 2024-06-14
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. (LA)

I am writing to formally complain regarding unauthorized credit inquiries and identity theft that have severely impacted my credit report and financial standing. 

Unauthorized Credit Inquiries : On obtaining a copy of my credit report, I observed an unauthorized credit inquiries 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> I did not consent to this inquiry nor authorize any entity to access my credit report for this purpose. These inquiries are incorrect, unverified, and unauthorized. They are negatively impacting my credit score and loan applications. 

I request that this inquiry be investigated and removed from my credit report immediately, as it does not have a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I have been a victim of identity theft resulting from a data breach compromising my Social Security number. To address this, I have filed an FTC Report, a copy of which is enclosed with this correspondence. Under 15 USC 1681c-2 ( a ), you are required to block and remove all information associated with this identity theft from my credit report within XXXX business days of receiving this complaint. 

Details of Unauthorized Accounts : XXXX XXXX XXXX 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 accounts have been reported without my written consent, violating 15 U.S. Code 1681b. As such, they must be immediately removed from my credit report.

Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation under 15 U.S.C. 1681i ( 7 ) - Method of verification Violation under 15 USC 1681a ( 4 ) - Right to privacy Violation under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I demand immediate action to block and remove these fraudulent accounts and inquiries from my credit report. Should you find any authorization that was supposedly obtained for these inquiries, please provide such documentation promptly. Failure to comply will result in me seeking monetary damages through small claims court. This complaint has been shared with the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. 

Please acknowledge receipt of this complaint and provide a timeline for its resolution. Your prompt attention to this matter is greatly appreciated.