davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Experian for ill gain reports wrong information and refuses to delete old information way past seven years. 

I disputed information, and shortly there after the disputed information was found on the dark web according alerts received, leaving to suspect that Experian shares information on the dark web. 

I have ask Experian to cease all comunication including alerts, but they send over over, their email have no way to unsubscribe, I have called them several times and after lenghty holds they promised the will remove but the dont, they need to establish a way to remove these alerts online. 

Membership ID # XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (LA)

During the month of XX/XX/2024, I attempted to go online to pull my credit report. With all XXXX credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, to submit additional information to verify my identity. Upon receipt of my credit report, I noticed accounts that were not my accounts. I never opened these accounts or gave my permission to have these accounts opened. I also noted inaccuracies with the spelling of my name and previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/2024,
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (IN)

I have recently pulled my credit report and noticed a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether. 

Please attach copies of the following document : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.
Consumer complaint received 2024-09-13
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. (OH)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-13
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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-09-13
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, and I've attached a copy of my report to this complaint of the following date XX/XX/year>, and I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (MD)

On Monday XX/XX/XXXX I filed a dispute for an investigation on the account US DEPT OF EDXXXX Report number : XXXX. Experian has been dishonest on giving me a professional investigation on this account., the dispute only took a day for it to be completed. A true investigation takes under 30 days to complete, I have noticed that when I file for a dispute, Experian updates my social security number, current address, etc. But this time they updated my current address even though I never requested for it to be updated. According to Experians website it states : if the item you are disputing is not a credit item but rather a name or address misspelling, a typo in your social security or other identifying information you can document yourself, your credit report ( s ) may be updated within a week I will have this information attached also with Experian updating my address to this CFPB report. Due to Experian updating my current address they have excluded the investigation on the account US DEPT OF EDXXXX. Pursuant to 15usc1681a ( e ) if Experian does not have a valid method of verification then I demand this account to be removed from my consumer report.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (VA)

I have been trying to work with Chase bank on closing out my mother 's ( XXXX XXXX ) bank account and having the funds distributed to the children in equal shares per law, and Chase is doing everything in their power to fight us on distributing said funds. The estate department at Chase has the death certificates for both my mother and father and that was not enough. So, Chase requested a small estate affidavit that the children sign and have notarized. This notarized affidavit was provided last Friday XX/XX/year>. 

Now, Chase is pushing back stating that my sister XXXX signed prior to 60 days of the death of our mother and they can't accept the form. This is ridiculous considering Chase is the party who requested we have this affidavit signed in the first place, and was willing to accept said affidavit when they suggested it weeks ago. Chase is the only banking institution of our mothers who did not simply distribute the funds to the beneficiaries per stripes. 

The estate will not be going to probate, so the funds need to be distributed to the beneficaries directly as there will not be an esate bank account created.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

To Whom it May Concern, I tried multiple times to create an account with EXPERIAN. I was stopped midway ( after entering all my vital private information ), with a page stating " Opps there has been a problem '' - Please call XXXX XXXX. When calling this number, I went in circles with an A.I. generated voice that did not allow me to get the help I needed to gain access to my account. I tried many times and different ways to gain access to my account. I finally did speak to a live person the day at Experian who told me that since my account had been frozen. I could not gain access, and if she unfreezed my account, I would be able to start over with a new account - username and password. That just turned into hours of more aggravation, as they would never allow me to create an account or ever sign in again! 

Last Friday, I was alerted that my XXXX # has been detected on the " dark web '' by a credit monitoring service ( appointed to me from a XXXX XXXX XXXX Breach ), and that I should take measures to protect my credit. Experian has been the only one of the 3 Credit Agencies to make it impossible to create and access an online account.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY ()

In XX/XX/year> while travelling in remote areas for helping XXXX XXXX XXXXXXXX with finance, I was not able to pay my CHARGE card payment. With all challenges in my face I still managed to call the front desk of local AMERICAN EXPRESS CARD and they said we will accommodate. 
After that they did not accommodate but started levying penalties, doubling down on interest, SUSPENDING my CHARGE CARD for which I paid money, putting a criminal EXTRACTION AGENCY behind me. Its been 30 days since I put a request to cancel. But they do not act on it as then I cease to be their cashew. I have appealed to everyone but they hide behind procedural things and avoid the resolution. 

My other card which is also a charge card with almost 5 times credit limits they blocked that too. 

I am totally frustrated and hence this request.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was served with a lawsuit around XXXX maybe late XXXX. I responded to the suit and the plaintiff is capital one. They are suing me for over XXXX dollars. I reached out to there attorney with validation request. To which they simply sent me statements. So I decided to speak directly to capital one since they are just an intermediary. I sent capital one a validation request to which they simply responded with the same thing, statements and then when I sent them a second request they told me to send information to a po box in order for them to stop collections. They never stopped and the lawsuit is dated for the last pre-trail conference before actual trail. I believe there information is in accurate because they took tax benefits from the charge off and sold the securities on the back end. I asked for the accounting and they ignored my request just like the validation. I have uploaded several pictures of some of the documents I sent. I have more and I also have what they sent me in response.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

I have been banking with Regions for over 3 years and I am continuing to experience the same issues with unexplained and fraudulent overdraft fees and being charged maintenance fees with no real explanation on my account. I was apart of the first lawsuit settlement and only received returned overdraft fees but no compensation for the damage done on Regions part and yet I am still going through the same fraudulent overdraft fees. On Friday, XXXX, I reached out to Regions and was lied to about the overdraft fee charged for {$XXXX} due to a unexplained maintenance fee that just started being charged 3 months ago when I should have been meeting the requirements over the past year or more and was not being charged anything but the last 3 months I was charged and the representative claimed its because I am not depositing at least {$XXXX} in my acct each month but Ive been depositing {$XXXX} biweekly and have been doing so over a year and was not being charged, but all of a sudden fees started showing up. The representative said its because it should be {$XXXX} in XXXX deposit or a total of {$XXXX} over a month but that apparently that has not been the case of the last year and was never notified that I needed to pay a maintenance fee. She refunded all XXXX maintenance fees back and after hanging up I noticed she did not give me my overdraft fee back so I called back and this representative claimed the overdraft fee was for a {$XXXX} fee that went into overdraft days ago which was paid before the grace period and I have pics to show proof so she gave me my overdraft fee back. I need to be compensated for all of the stress and time Regions has put me through or I am going to file another lawsuit against your company and now I have to reroute all of my bills because I can no longer keep Regions. Its too much work trying to keep up with all your high cost fees and lies.
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - Chapter : XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report.

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 

XXXX. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-05
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

When I looked at my credit report this morning, I was shocked to find accounts that dont belong to me, and I cant figure out why. I check my report regularly, but this time, there were discrepancies that werent there before. I even refreshed my browser, thinking it was an error, but the inaccuracies remained. I would appreciate it if my documents could be thoroughly checked so I can stop worrying about this.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As per guidance from the Consumer Financial Protection Bureau ( CFPB ). According to the FCRA, credit reporting agencies are required to remove or block any inquires or accounts that result from identity theft or unauthorized access to my credit report.I believe this is in violation of Section 605 ( B ) of the FCRA.I kindly request that you block this information from my credit report within four business days, pursuant to section 605 B of the Fair Credit Reporting Act. Please remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I was completely taken aback this morning when I saw inaccurate accounts on my credit report, and I have no idea how they got there. I checked it as usual, but this time, there were unexpected discrepancies. I thought it was a glitch and refreshed my browser, but the wrong information didnt go away. Now, Im left hoping the documents Ive sent will be reviewed carefully so I dont have to deal with this XXXX  again.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items on my credit report that i did not open. I have already got a fraud alert issued to my credit report and disputed these negative/inaccurate items. I want these items removed from my credit report immediately. They are stopping me from getting an apartment and also holding me back from my credit goals. Please remove these items thank you.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-10-02
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. (MD)

I have evidence that this particular company is reporting inaccurate information on my reports without my permission. I understand the the FCRA requires companies to obtain my permission before reporting anything on my report and that has not taken place. Furthermore, my privacy rights are being violated as well. This has to stop and companies must be held accountable.
Consumer complaint received 2024-10-02
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. (TX)

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.