davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (AR)

I contacted Experian about my credit report in XX/XX/XXXX. I am currently trying to buy a house so I pulled my credit report up and my score was very low and a lot of information was on there I was not aware. I have asked them to remove these negative reports. I explained my husband had gone through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and his time was limited so I needed to get my report up to buy a house for my family. I stated XXXX ( a collection agency ) had an account on there from XXXX XXXX ( so they presumably bought the debt of {$530.00} ) that was closed and damaging my credit. I have no recollection of any account from XXXX XXXX nor XXXX from XX/XX/XXXX and feel they have violated my rights. 15 USC 1681. There is also an account from XXXXXXXX XXXX  that has been paid off and still reflecting on my account after I explained my need for this to be removed. I will be a single mother/widow who has paid on time numerous cards on my account. Ive paid off every debt Ive ever had in My name. There is also a negative report of XXXX for XXXX that I have never heard of nor recall. I explained to Experian I needed these removed because of the negative impact on my credit and I need to get a home loan. My family will not have a home in XXXX. I am begging for my rights and my information to be protected. I have reported identity theft to identitytheft.gov. Please help me get these removed from my credit.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXXXXXX XXXX  XXXX XXXX via XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX via XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXXXXXX Request On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX via XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-19
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. (DC)

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX  Mortgage about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund XXXX  of dollars from the error that was made. Ive never been late and I believed the XXXX XXXX Mortgage representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXX XXXX Mortgage reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXX XXXX Mortgage ( one has already been completed ). XXXX XXXX Mortgage can schedule the payment if they want assurance. XXXX XXXX Mortgage knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.
Consumer complaint received 2023-10-19
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 XXXX XXXXXXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-19
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 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. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

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. 



XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX. Has violated my rights. 



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 furish 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 2023-10-19
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. (CO)

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights.

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.

I have sent 3 letters for a 3 credit bureaus on XX/XX/23 and have not gotten a response. The open dates are inconsistent on all 3 bureaus.
Consumer complaint received 2023-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and Transunion. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Consumer complaint received 2023-11-11
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-19
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 sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers 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.
Consumer complaint received 2023-11-11
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX XXXX Balance : {$86.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (OR)

On XX/XX/2023 I sent in a request to view other plans after having been enrolled in the SAVE plan. The website will not show me other plans unless I cancel the SAVE enrollment for a fee, and I may be charged a difference later if I reenroll. The payment for income-driven repayment is {$960.00}, and my original payment that was not on an income driven plan was {$650.00}. I can not afford to make this higher payment, and I have had no response from Aidvantage regarding my email in over a month.
Consumer complaint received 2023-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (VA)

My wife and I got all our information stolen. Someone opened a loan with this company called XXXX/UAS. I found out I was victim of a fraud months later where even my bank account was stolen. I filed a bunch of paperwork with this company including a police report and a fraud claim and they last almost a year without giving me a response. I sent a lot of emails in a frequent basis and call them at least three times a week. I explained them that I never head about either XXXX  or UAS before checking my credit report. The companies have done nothing and they keep telling me that they spoke with someone in the email address XXXX which is not an email on use by me. I asked them to send me the contract or some kind of promissory note and until this date nothing. I being fighting with this company for over a year. 

My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX VA XXXX
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IN)

I am writing to bring to your attention a matter of significant concern regarding the accuracy of information reported on my credit file with XXXX. I have diligently attempted to rectify discrepancies in the reporting through various channels, including multiple submissions to the Consumer Financial Protection Bureau ( CFPB ). However, despite my efforts, the inaccuracies persist, causing substantial harm to my financial standing and opportunities. The accounts in question are JPMCB CARD XXXX and JPMCB CARD XXXX I wish to emphasize the gravity of my situation and the adverse effects your inaccurate reporting has had on my life, particularly in the areas of housing and credit applications. Despite my persistent attempts to address and correct these issues, XXXX and XXXX, in collaboration with JPMCB CARD, has consistently verified inaccurate information through the CFPB dispute process. 

I have noted discrepancies in the reporting across different credit reports, specifically in the " Date of Last Activity, '' " Date Reported, '' " Closed Date, '' and " Last Payment '' fields. The varying information on my XXXX and XXXX credit reports raises serious questions about the accuracy and reliability of XXXX 's investigation process. I believe that such inconsistencies directly violate the principles of fair and accurate credit reporting. 

I am seeking an immediate removal of the inaccuracies from my credit report based on the violations outlined in this notice. The persistence of these inaccuracies has not only caused financial injury but has also resulted in repeated denials for housing and credit opportunities. 

I appreciate your prompt attention to this matter and expect a timely and thorough investigation into the inaccuracies reported on my credit file. Please consider this notice as a formal demand for corrective action, and I trust that XXXX will take the necessary steps to rectify this situation promptly. 

I filed cases with the CFPB regarding this on XXXX to both XXXX and XXXX and both parties verified the items in question although they are clearly reporting inaccurately according to FRCA law. 

Thank you for your cooperation in resolving this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am a victim of Identity Theft. There is several accounts, inquiries, and addresses that does not belong to me nor did I authorize. I have notified XXXX, XXXX, and Transunion of this matter and have yet to get a proper response. All 3 bureuas are in violation of several FCRA laws such as FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states that the following accounts must be remove within 4 days of receipt. I have file a complaint with The FTC and was provide with a Identity Theft Report and I also filed a police report with my local Police Department which both are attached.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This Account have violated my rights According to FCRA ; XXXX XXXX XXXX XXXX XXXX According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XXXX XXXX XXXX  ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how this account is reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status.

Everything reported here does not meet the FRCA.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

I have XXXX credit cards with Chase Bank, ending in XXXX and ending in XXXX. 

In XXXX or early XX/XX/scrub>XXXX XXXX, I moved, and changed my address with Chase Bank online. 

When I log in to my Chase account, it only shows that my address has been changed for my XXXX credit card. 

On XX/XX/XXXX, I sent them a message through the website : " I updated my mailing address for card -XXXX. Should be XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX... But, it didn't show that it updated the address for my other card XXXX ... Please confirm that you have the correct ( XXXXXXXX XXXX ) mailing address for both my credit card accounts. '' 'Ann ' refused to answer yes or no, but instead treated me like an XXXX and told me how to change the address through the website ( which I had of course already done ). 

So I sent another message : " XXXX, you didn't read what I wrote. Please answer the question I asked, and stop trying to answer the question you wish I'd asked '' and XXXX XXXX responded " for security purposes, we will be unable to confirm the mailing address we have on file for you here via email. '' Which shows that he also did not read what I wrote. 

Attached is a pdf, showing what I see when I go to 'profile '. Note that it only shows the address for the card ending in XXXX.
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (IL)

I have been struggling trying to pay my car notes on time doing the last XXXX months do to me having major XXXX on my neck which caused me of being off work. I have made the monthly payment even though it wasnt on the day it was supposed to be on but they got they money that month I only have to more payment left on my Vehicle which is XXXX I have spoken with someone about my situation at Exter finance company They told me that I owe them XXXX plus which Im not understanding the young lady told me that I have to come up with that amount next month which they are forcing me to return back to work which the doctor havent released me yet. Im already stressing about my other bills that need to be paid. Im not behind.