davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original creditor : : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ( XXXX XXXX ), ( XXXX XXXX ) XXXX XXXX XXXX XXXX ) has violated my rights I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-09-27
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. (SD)

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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX has lied ongoing that you followed bank laws even under CFPB XXXX XXXXXXXX and one valuable lesson to be learned here is that the truth always rises to the top and now confirmed by my broker chase that my loan were paid in full prior to your ongoing wrongful actions on XXXX after XXXX XXXX register deeds supervisor XXXX assisted me to document deed fraud on XXXX. Then your fake client XXXX XXXX XXXX fake SSN numbers XXXX and XXXX and I reported the fake title as XXXX XXXX and he went on from your support to cash two XXXX escrow account checks in my name and I reported it as XXXX with XXXX XXXX XXXX XXXX stolen my identity XXXX claim XXXX and got four XXXX credit cards in my name ending XXXX, XXXX, XXXX, XXXX and XXXXl XXXX XXXX XXXX credit card XXXX also from XXXX XXXX XXXX ext XXXX XXXX still claim unpaid. XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

Your scam led by XXXX XXXX of XXXX XXXXXXXX XXXX  has fake loan XXXX attached to my good loan without clear title in behalf of scammer for XXXX is Criminal Fraud. 

Please address your wrongness?
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: NAVY FEDERAL CREDIT UNION (WA)

On XX/XX/XXXX I was alerted to a change in my " XXXX XXXX '' dashboard through Navy Federal Credit Union that states it used XXXX to monitor my credit. It reported my credit score as XXXX points lower than it was last week ( XXXX to now XXXX ) as well as reporting a newly filed bankruptcy as of XX/XX/XXXX. When I looked at my XXXX report there is no such bankruptcy filing. I have not filed bankruptcy since XX/XX/XXXX and it was discharged XX/XX/XXXX. I filed a complaint against NFCU for closing my credit card which is being reported as being in good status even as of today. I believe this is retaliation. Also, on this new dashboard, Navy Federal is now reporting that my XXXX XXXX  has been changed to a XXXX XXXX  of XXXX down from XXXX just last week. I believe this is retaliation for filing a complaint against them regarding my credit card. I have tried since last week to submit inquiries online and communicate with NFCU regarding my credit card and have found that its inaccessible to me but was on XX/XX/XXXX. I have tried but been unable to submit further inquiries in my online portal since then. This also drastically impacts me in other areas of my life ( rental availability, mortgage access, car insurance, extension of credit, and current accounts with other entities, etc. ). I think they blocked my access to my account so they could block me because I was adamant about them not closing an account in good standing without it causing harm. And the information they stated XXXX reported ( a bankruptcy, a balance on an account for XXXX XXXX, the status of a XXXX XXXX XXXX account, etc. ) is not reported on my XXXX report when I accessed it directly through XXXX.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

XXXX is reporting a collection from a company by the name of Credit Control for {$690.00}. I wrote the company and experian responded and said verified although XXXX and XXXX deleted. This is not my debt. I have never done any business with Credit Control
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MO)

I did not get the card. I did not make a charge. I received a bill. When I have called no one can tell me what the charge is for. All other credit card companies write on the card where the charge is from. The company states they investigated said I owed it but still can not tell me what the charge is for. That is not how fraud works. When I type in the account number they say no account found. I can not get any legitimate answers. Thank you in advance.
Consumer complaint received 2024-10-29
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: Self Financial Inc. (IN)

I have filed so many complaints and this company refuses to fix the problem LET ALONE do a proper investigation. This company is reporting improperly to the credit bureaus. How am I 150 days late, no reporting, CO then back to 120 days late then CO again? According to 15 USC 1681i, you did NOT complete a thorough investigation within 30 days of my complaint to look for any errors and the account now must be removed. See screenshot. I'll also be sending a XXXX document to the IRS for an account audit as well as a complaint to the attorney general and you're next letter will be litigation ill be filing tomorrow. I told you my intent was to litigate and you've given me all the proof I need that you're not doing proper investigating into problems.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I filed a claim about an altered check ( in the amount of {$4300.00} ) with Chase bank and sent in the required documentation via an in-person banker at a bank branch around XXXX on XX/XX/XXXX. The branch is located at XXXX XXXX XXXX in XXXX. Since then, XXXX has refused to provide updates, accurate information, or any help in resolving this matter. After XXXX weeks of assuring both myself and their branch banker that the process to refund my funds was in progress, the fraud department has now said that they never received the proper documentation. 

I saw the banker, XXXX, submit that documentation and confirm with the fraud department that the documentation was received. I also spoke with the fraud department on multiple occasions and they assured me the proper paperwork was in their possession. They berated me for calling to check. 

XXXX  XXXX XXXX, the bank at which the fraudster attempted to deposit/cash the altered check alerted me of the fraud and is holding the funds on my behalf. XXXX  XXXX XXXX can not release these funds until Chase contacts them. Chase refuses to follow up with XXXX  XXXX XXXX or properly process my claim. I've spent over XXXX hours trying to solve this issue over the past XXXX weeks. 

Chase bank is a ) not processing my fraud claim, b ) refusing to provide necessary or accurate information and c ) refusing to allow me to use my new checking account to make purchases since my old checking account is restricted due to fraud. 

Below I've attached the required forms I submitted to Chase, as well as a copy of the fraudulent check and a previous non-altered check with my handwriting for comparison.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I recently received my credit report and noticed an account that was not reporting accurately. I have a late payment on my Equifax account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my credit report to this complaint showing a late 60 days late payment in XX/XX/year> but paid on time in XX/XX/year>. How in the world is there a random jump from paid on time to 60 days late. It's inaccurate and this needs to be corrected. I'm now requesting you investigate this account and update this payment to paid on time immediately.
Consumer complaint received 2024-10-04
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. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-27
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 been a victim of identity theft for the past 6 years and i have done everything in my power to protect my identity. unfortunately i became a victim of identty theft and i have been fighting this nasty problem for the past few years and i have reached out to all the credit reporting agencies and the creditors and the CFPB, and i was let down by the results and im still fighting this matter because i belive i have rights! .i can not afford an attorney to fight the fight against identity theft so i am respectfully asking for your assistance in this serious matter. 
there are 2 fraudulant account that are currently reporting on my credit report that i despreatly need removed. 
XXXX XXXX XXXX XXXX XXXX ( opened fraudulently ) XXXX ) XXXXXXXX XXXX XXXX XXXX opened fraudulently )
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

This morning, I discovered unauthorized inquiries on my credit report without explanation. I checked my credit report like I always do, but this time I was shocked to find these inconsistencies. After refreshing the browser in hopes of a glitch, the inquiries still appeared. Im really upset by this and need the documents Ive submitted to be thoroughly reviewed immediately so I can stop worrying about it.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I am really upset by how my last complaint has turned out and I wish there was a way to describe the immense stress I am getting from these accounts that have been reporting inaccurately on my file- but there is none. It's getting frustrating and I really need to get a new loan but this account is stopping me from doing so.
Consumer complaint received 2024-09-27
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2024 I sent in letters to the credit bureaus informing them about the inaccurate negative items on my credit profile. I asked them to send me proof of the inaccuracies and they have yet to do it. It's been well over 30 days and today makes day 45. 

For the XXXX account with the account # XXXX, It's reporting positive on Equifax but negative on XXXX. The payment status is unknown on XXXX but is listed as current on Equifax. This is clearly false reporting and according to the FCRA anything that's being reported incorrectly must be deleted at once. Next we have the XXXX credit card, account # XXXX, the XXXX credit card, account # XXXX, and the XXXX XXXX account, account # XXXX reporting late payments. I was never late on any of these accounts. 

I asked the credit bureaus to please supply documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting on my accounts and they could not supply this, and to remove the alleged late payments from my report per USC 15 1666B, a creditor may not treat a payment on a credit card as an open ended consumer credit plan! I have yet to get a response from them. 

Finally, for the XXXX account, account # XXXX, the late payment status is blank on XXXX but is stating 90 days late ( 2 ) on Equifax displaying further evidence of false inaccurate reporting. These inaccuracies on my credit report has caused me a tremendous amount of stress and if these items aren't removed at once I will be forced to file for litigation. I was a victim of the equifax data breach and other recent breaches and I know my information has been compromised. Thanks for your help with this matter.
Consumer complaint received 2024-09-27
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX, XXXX & XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXmber : XXXX Unauthorized inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX VIA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX
Consumer complaint received 2023-03-30
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. (GA)

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 2024-09-27
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. (IL)

I am reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.
Consumer complaint received 2024-09-27
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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-27
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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX