davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX ( late payment ) XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-15
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

I have XXXX - XXXX minimum charges from {$5.00} to {$12.00} have over {$1000.00} of over draft charges. they stated it helping me and they have new policy. this is hurting me and the only benefit is the bank.
Consumer complaint received 2023-11-22
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. (FL)

In accordance with the Fair Credit Reporting act 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 furnish a account without my written instructions. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2024-06-15
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. (KY)

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 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I made a payment to XXXX XXXX  on Friday XX/XX/year> in the amount of {$790.00}. They are reporting on my Experian and XXXX reports that I did not make the payment.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I am formally requesting that all items on my credit reports be updated to reflect " paid as agreed. '' In addition, I am seeking compensation from each credit bureau in the form of a check XXXX. ) XXXX - {$11000.00}, XXXX. ) EXPERIAN- {$11000.00} and XXXX. ) XXXX - {$11.00}, XXXX for each of these inaacurate accounts pursuant to ( 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses 80 617 - 15 U.S.C. 1681o or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. )
Consumer complaint received 2024-06-15
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. (PA)

In response to a few problems I've had with the credit bureau, I'm writing to voice my concerns. Among these problems include irregular billing, wrong credit reporting, several fraudulent queries, false account listings, and accounts that are not mine.
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-15
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. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-06-15
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. (GA)

I tried to contact Experian a few times within the last few weeks to speak with them regarding hard inquiries on my report. I have also sent in dispute letters disputing these hard inquiries and I have not heard any reply back from the company and the items remain on my credit report. 

Please delete these from my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (DE)

On XXXX XXXX I requested a buy now pay later loan from Affirm in the amount of {$1400.00}, to make a purchase of {$1400.00} from XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, XXXX issued a refund in the amount of {$1400.00}. I believe they charged me a return shipping fee of {$4.00}. I looked at the Affirm account on XX/XX/year>, and saw where Affirm had a refund in the amount of {$1400.00}. It is my belief that Affirm is trying to charge me interest on the full amount that they purposely held back on refunding until XX/XX/year>. On XX/XX/year>, I made a payment in the amount of {$5.00}. I'm expecting the loan to be paid in full. But notice that there still was a balance of {$24.00}. I contacted Affirm, and their explanation was because XXXX didn't fully refund the amount of {$24.00}, I am responsible for it. As shown above, the only amount that XXXX didn't refund to the purchase amount is {$4.00}. As I stated above, I paid {$5.00} to the account. It has been accustomed to me that Affirm doesn't charge interest until the first payment is due, which in my case would have been XX/XX/year>. The account was fully adjusted by Affirm and I on XXXX XXXX. I have on some other loans that I made with Affirm, paid the loan in full before the due date and no interest was applied. Affirm has even offered to save me money on my interest if I paid a certain amount. So, feel that I am being frauded for the {$24.00}, that Affirm is claiming I owe them.
Consumer complaint received 2023-11-22
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my profile. These accounts are hurting my ability to obtain credit and purchase a home for my children. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the accounts I am asking you to verify accuracy : Experian : XXXX XXXX XXXX. account number- XXXX name- XXXX XXXX. account number- XXXX name- XXXX XXXX XXXX account number- XXXX name- XXXX XXXX XXXX account number- XXXX
Consumer complaint received 2023-11-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX  XX/XX/XXXX my bank had XXXX transactions in my checking account marked as suspicious so I called and told them yes they were not mine and please delete them. On XXXX  XX/XX/XXXX I received a call with the bank 's phone listed on my phone from someone saying they were a bank employee calling about someone trying to make bank transfers in my account and they needed to help me with this. I XXXX  questioned them and they said to look at the phone on my debit card to see how it was the same number as what called me. So I believed they were calling me to help especially since the call from XXXX  morning. They asked to share my screen and proceeded to show me how to go into XXXX ( which I had no idea what it was ) and make XXXX transactions for the next XXXX   days to XXXX individuals accounts from both my checking and savings account. The scammer told me not to access my bank account while he was doing these transfers to stop this so-called person who was trying to make these transfers from my account. I don't understand how the bank never thought to contact me to say this looked like suspicious activity. This really is upsetting to me since they contacted me over XXXX small transactions on XXXX  but XXXX XXXX  transaction within XXXX  days totaling {$10000.00} doesn't look suspicious? They have closed the claim for my savings of account of over {$8000.00} saying they can not locate the person. I feel they should be responsible for not contacting for suspicious activity.
Consumer complaint received 2024-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO. (UT)

I started the Loan assumption application back in XXXX. I have called by weekly to follow up on the progress and was told everything looks good and that they have all documents needed to send it to underwriting. I called this morning XXXX and was told that they are drafting a letter of missing documents and they will mail it to me. This is un acceptable that in 2024 we are still doing business through slow mail. I called again an hour later because it didn't sit right with me since I know I sent everything in. The customer service representative told me that it was in underwriting and that there was no documentation that they were missing any information or documentation. Who do you believe?. After reading the reviews online about Chase and the way they handle and treat their customers through this process I get worried. They jerk you around and drag out a process that should take less than 30 days. I am a consumer that has a credit score of over 800 and have never missed a payment with Chase for the life of the loan. All I am trying to do is get a loan assumption and have my ex wifes name taken off the loan. Pretty simple. What do I do?
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (GA)

[ the letter I sent to the collection agency Weltman, Weinberg, and Reis Co., LPA ] - " XX/XX/XXXX To the attention of W W AND R CO., LPA For decades, my XXXX and I used XXXX and paid the total balance every month. We had a stellar account, never late on payments. Now Ive received 2 notices from your firm/collection agency saying I owe a debt that I have paid in full 2 years ago. I spent over an hour today with managers and supervisors at XXXX trying to resolve this issue. 
My husband of XXXX years passed away and in XXXX I called XXXX to inform them and close the account. They informed me that the account XXXX was only in my husbands name. They immediately closed the account. And then, I opened a new account in my name. When I asked for the remaining balance owed on my husbands account, I was told the amount and also that legally I didnt owe it. I told the representative that I had a moral obligation to pay it and paid the balance of XXXX XXXX XXXX by check XXXX XXXX XXXX  from my personal account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am enclosing a copy of the statement from XXXX XXXX XXXX XXXX bank showing the payment deducted from my account XX/XX/XXXX. 
I expect a response from you and assurance that this situation is put to rest. I should not have been put in a position of having to clear this up myself. ( The wasted hours of searching for documents, phone calls, XXXX XXXX ) SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' My phone calls to XXXX were on more than one day, being switched from one entity to another. Finally, a supervisor solved the mysterious disappearance of the payment. It was found in a different/wrong account altogether. i asked for a letter of verification but never received one. now, this week ive received another harrassing letter from the collecting attorneys. My XXXX and I have had an account since XXXX ; we paid it off monthly, no fees or interest. have a cancelled check and bank statement showing electronic debit from my account to XXXX for the full amount. 
note : my XXXX  passed XX/XX/XXXX, XXXX i continued using my personal card assuming that the account was in both our names. again, always paying it off monthly. when I called XXXX in XXXX it was to remove his name from the account, at which time I was informed it was in my husband 's name and i was a secondary user. So, the account was immediately closed after I was given the remaining balance and a new account opened in my name. once this matter is settled, I plan to close my account. Please advise. Thank you.
Consumer complaint received 2024-06-15
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)

I reviewed my consumer reports and found two late payments listed for an account that was never late. Consumer reporting agencies play an important role and must report information as accurately as possible. According to 15 USC section 1682e. I have never been late on the payments for the accounts shown in the attached screenshot for inaccurate reporting from dates XX/XX/year> ( shows okay on Experian but shows 30 days late on XXXX ) XX/XX/year> ( shows okay on Experian but shows 30 days late on XXXX ) Please investigate and provide statements proving these payments were late. If you can't provide proof, I request that these payments be updated to " paid as agreed '' since they were never late. Thank you! Please see the attached screenshot.
Consumer complaint received 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and Transunion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (SC)

Lexisnexis is Bankruptcy public to my XXXX, XXXX and XXXX. And I have never done with them, nor did I gave them my written permission to report anything on my consumer report. According to 15 U.S. Code 1681b a ( 2 ) - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. For anything to be on my consumer report, I as the consumer must given written instruction to Lexisnexis. AND I DID NOT give them my written instruction. And I talk with the Bankruptcy court, and they don't report to any credit reporting agencies. So there is reason for bankruptcy to be showing on any of consumer reports from LexisNexis.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Guild Holdings Company (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency canot furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

The late payment of {$1400.00}