davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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. (LA)

XXXX XXXX XXXX  # XXXX The above account is not my account. I have no knowledge of this account. I have reached out 5 times to the credit bureau asking them to remove this accuracy. FRCA states all information should be 100 % accurate and true! XXXX XXXX XXXX is not my account and I demand that it be removed off my credit report. The credit bureaus has not responded and this false account need to be removed immediately.
Consumer complaint received 2024-05-31
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)

ON XX/XX/year> I REACHED OUT TO EACH OFTHE 6 CREDITORS LETTING THEM KNOW THAT THESE ACCOUNTS WERE COMMITTED AS FRAUD ON MY CREDIT REPORT. THERE WERE DONE FRAUDULENT. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TYPE ( S ) OF FRAUDULENT TRANSACTIONS. SEE ATTACHED DOCUMENTS BELOW.
Consumer complaint received 2023-03-13
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: Mid-Atlantic Finance Co., Inc. (SC)

15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 sections 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for purpose.
Consumer complaint received 2024-05-31
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)

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 Account Number:XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX 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 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (PA)

My landlord emailed me on XX/XX/XXXX and asked me about a check from XXXX that he believed was not deposited. I asked him to give me a few minutes to research it. I emailed him back and told him that I wrote the check on XX/XX/XXXX and that he deposited it on XX/XX/XXXX and if he needed proof to let me know. I never heard from him. On XX/XX/XXXX when I was checking my bank statement I saw that he cashed that check in the amount of {$1600.00}. I immediately tried to call him and it went to voicemail. I went back online and took screenshots and texted him to show that he already cashed that check. Still no response. I called my bank who researched the information and confirmed that this check was already cashed 2 years earlier but I needed to wait 2 business days to get my money back. How can a bank cash a check that is XXXX years old? My landlord knew this was cashed, I told him and I have the proof on email that I told him it was cashed yet he still cashed this check causing my account to go into default.
Consumer complaint received 2024-05-31
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: Experian Information Solutions Inc. (FL)

Our mortgage lender ( XXXX XXXX XXXX XXXX ) began putting our payments into another unknown account at some point. We didnt know until we started the process to sell the house and were told we were in default and going into foreclosure after not paying for several months. We asked them how it is possible. 
No one knew anything. Finally we were told they could see our payments were made, but they went into another account and did not count toward our mortgage. We called many, many times, and no one could tell us the account the monies went to, why that happened, and they would not track it and apply it to our loan. They stole many payments and refused to give it back and we ended up paying considerably more for our house to sell than we bought it for XXXX years prior because we had to pay them the money that they had already confessed to taking but couldnt find. Our credit has suffered, they refuse to remove it from our reports, and no lender will give us a mortgage. My family has suffered immensely for over a year and a half and my family struggles have made it so we have gotten to point of separating the family. We cant be the only ones they did this to, but after all the fighting and praying, we know that our government has no rules in place with regard to mortgage companies stealing and harming consumers. We have gone through the process of disputes, but the bureaus just say the same thing, that XXXX says they are right. Thats all. No investigation, no questions. Why dispute anything at all?
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

On XX/XX/XXXX, I contacted CIT Bank customer service inquiring about the suspension of my account which prevented me from accessing- including making withdrawals - from my Savings account. At this point, access to the account had been frozen for at least a week, since around XX/XX/XXXX and all transfers I've made out of CIT bank had been reversed. For example, I used the funds from a withdrawal ( {$10000.00} on around XX/XX/XXXX ) to purchase an investment product, but on XX/XX/XXXX my brokerage was forced to sell this product because they informed me that CIT had reversed my funds transfer.

Upon calling CIT on the same day, I was informed that my account is restricted and under investigation, and the agent gave me an indefinite timeline during which I won't be able to access any of my funds at CIT. I was told that CIT would reach out to me at their leisure, and during this indefinite timeline, my funds would effectively be frozen. It has been a week since my account was frozen yet CIT has never reached out. I gave them a week which is a reasonable amount of time to sort it out or at least reach out to me, yet it took me proactively inquiring about the account suspension for CIT to tell me that I won't be able to access my funds for another indefinite amount of time. 

During this freeze period, the impact on my personal finance will be severe as the majority of my savings is now under CIT. Nearing the end of the month, I will not be able to fulfill my debt and rental obligations without my funds that are currently frozen without an end date provided by CIT.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (GA)

I had a loan with XXXX  it apparently transferred to Aidvantage they claimed in an email sent to the email on the account that I owe money that starts in XXXX, I tried calling to get my account enabled after login and register both failed do to XXXX account or account not found. I called today XX/XX/ after an 1hr on hold someone picked up said I did owe money on a loan, I asked Very clearly multiple times to get my account re-enabled she said an email would be sent where I just had to follow the steps and my account would be back up. and hour later that email shows, its no different than clicking the register button but fine I try the steps, it doesn't work, its the same failure as before. I have no way of contacting them other than this phone number, I can't get into my account to do anything. How can I owe an unknown amount of money that does not show in my Fafsa account, and be expected to pay in XXXX when the Student Loan provider Aidvantage will not allow me to access my account. This is a very serious complaint and my only other option before contacting a lawyer. I just called again while typing this and they hung up after I was on hold for several minutes. Just wow.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I am writing to urgently demand the prompt removal of all fraudulent personal information, accounts, and transactions that have been wrongfully associated with my identity without my knowledge or consent. I have recently become a victim of identity theft, which I have reported to the proper authorities. The presence of this inaccurate data on my credit reports is causing me severe financial hardship and reputational damage. 

As a well-informed consumer aware of my protected rights under the Fair Credit Reporting Act, I insist that you expeditiously remove and block any fraudulent, inaccurate or misleading items that have been illegally included on my credit reports. The unauthorized use of my personal information to open accounts or conduct transactions to which I did not provide explicit consent is unlawful. 

I formally request that your organization conduct a thorough investigation and permanently delete any fraudulent listings from my credit file within five ( 5 ) business days of receiving this certified notice. I have enclosed supporting documentation, including an identity theft affidavit and police report, to aid your verification process.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've consistently made payments on time for this account, never allowing them to be late. I'm unclear as to why there are reports of late payments on my accounts. According to 15 USC 1666b, any billing errors should be corrected.
Consumer complaint received 2024-05-31
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: Experian Information Solutions Inc. (VA)

XXXX credit card submitted a late payment to all XXXX credit Bureaus. This resulted in almost a XXXX drop in my credit score. I contacted XXXX and they fixed the submission with XXXX, which elevated my credit score. 

I filed a dispute with Experian, providing my credit report with XXXX as evidence, and they refuse to correct the information. My credit score took an XXXX point hit ( from XXXX to XXXX ) over XXXX late payment ( no others in my history ). 

Experian resolved the dispute but did not provide any reasoning behind the XXXX point drop over XXXX late payment. They told me to go for credit counseling.
Consumer complaint received 2024-05-31
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: NAVY FEDERAL CREDIT UNION (NY)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-31
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: Experian Information Solutions Inc. (VA)

I am writing to formally demand the prompt removal of fraudulent accounts that have been wrongfully included on my credit report without my written authorization or wet signature, as required by law. These inaccurate listings, which are the result of identity theft, have caused me significant emotional distress and financial harm by misrepresenting my true credit history and obligations. 

Despite previously notifying your organization about this unlawful issue, the fraudulent accounts remain on my report. This is unacceptable. I am now demanding that you block and permanently delete these specific items from appearing on my consumer credit report within four ( 4 ) business days of receiving this notice. Copies of my driver 's license and social security card are enclosed to verify my identity.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Credit card usage account information from XXXX XXXX. 

XXXX XXXX XXXX reported XX/XX/XXXX, XXXX Account is closed and shouldn't be listed under active credit card usage. 

XXXX reported XX/XX/XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 


XXXX - XXXX reported XXXX XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 

XXXXXXXX XXXX XXXX  -- Last reported XXXX XXXX, XXXX transferred to XXXXXXXX XXXX and shouldn't be listed under active credit card usage. 



XXXX XXXX - {$0.00} out of {$2200.00} -joint account with spouse and I was removed from the XXXX XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$650.00} -joint account with spouse and I was removed from the XXXX XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$3800.00} -- joint account with spouse and I was removed from the XXXX, showing on open credit usage and open.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My federal student loans were transferred from XXXX to XXXX. There should only be a balance with the XXXX loans since I no longer owe any balances to XXXX. However, both XXXX and XXXX are reported with the same balance, duplicating the amount I owe and making it appear that I owe twice as much money as I actually do. I have contacted both servicers and have also filed disputes with the reporting agencies, but they have not done anything to resolve the issue. I just read an article in the XXXX XXXXXXXX that there are at least XXXX XXXX duplicate student loan records appearing on credit reports, and they are from borrowers that had loan balances transferred from XXXX to XXXX as well. This has been reported incorrectly on my credit for over a year now and I deserve a resolution.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested in my Validation letter dated XX/XX/XXXX which XXXX XXXX XXXX XXXX fail to validate all of my request. XXXX XXXX XXXX XXXX sent copies of card statements and other interesting documents that have me questioning do we as consumers, have any privacy at all. I will address that privacy issue. My attachment 's will show that a debt collector, XXXX XXXX XXXX obtain my private and personal information without my permission and then sold my private and personal information for monetary gain. No contracts submitted by XXXX XXXX XXXX XXXX that bares my personal signature. XXXX XXXX XXXX XXXX did not Validate all my request pertaining to contracts that bares my personal signature. But they submitted to me a XXXX XXXX XXXX that shows XXXX XXXX XXXX the Seller of my private and personal data. And XXXXXXXX XXXX  the Buyer of my private and personal data. This buy and sell happened on XX/XX/XXXX.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-05-31
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: Experian Information Solutions Inc. (SC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-05-31
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. (MI)

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 XXXX : XXXX Account 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 2024-07-17
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 my previous complaint I mentioned a violation that XXXX XXXX has committed and the statement I received from XXXX XXXX is verified. What is verified? Reporting missed payments, balances and due dates falls into experiences and transactions! Once again as 15 U.S code 1681a ( 2 ) Exclusions. States Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I XXXX XXXX is the consumer and XXXX XXXX is the person making the report. XXXX XXXX still is reporting these transactions and experiences.