davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the 4th Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being.

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights.

Furthermore, I suspect a violation of my 4th Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the 4th Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-05-23
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. (MO)

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious too my Credit score. 
Account Number : XXXX XXXX XXXX XXXX Account Name : XXXX
Consumer complaint received 2024-05-23
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. (NY)

Experian declined my block of information without properly verifying the fraudulent accounts. XXXX and XXXX also failed to follow federal law under 15 USC 1692g. Because of these recurring problems, I have lost confidence in the banking system and have dealt with the hardships of inaccurate reporting. This has damaged my general mode of living and my livelihood. I have not been able to take advantage of consumer credit because of ( Experian, XXXX, and XXXX ) willful noncompliance and knowingly violating my consumer rights have stopped me from receiving goods, services, and personal property.
Consumer complaint received 2024-05-23
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. (CA)

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 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  has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX 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 2024-05-23
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. (CA)

Remove bankruptcy To whom it may concern : I HAVE PREVIOUSLY DISPUTED " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITH YOU AS FRAUD, IDENTITY THEFT, AND IN RESPONSE. YOU VERIFIED THE ITEM AS UNABLE TO REMOVE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT. AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681T ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (TX)

there is information on my consumer report that is a result of identity theft. i did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. the identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on a basis of material misrepresentation of fact. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF. Experian, XXXX, and XXXX refuse to abide by FCRA regulations on multiple attempts. they continue the reporting of fraudulent accounts on my consumer report. attached is more proof that the investigation they claim to have made is in fact false as these companies report different days, amounts, types of accounts, some report open as others report closed. this is all FRAUD and the reporting agencies have done nothin g to protect my consumer rights. making them civilly and criminally liable for all the damages i have been through these past few months.DO NOT ATTEMPT TO DELAY THIS 60 DAYS. THIS BLOCK MUST BE DONE WITHIN 4 DAYS OF THIS NOTICE, PURSUANT TO 15 USC 1681C-2.
Consumer complaint received 2024-05-23
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 deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2024-05-23
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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-07-16
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. (GA)

I look at my credit report and saw that they were XXXX accounts open in my name that was not mine. So i called the bank to closed the accounts and to remove them from my credit report and they said they would remove them and close the accounts. NOW the accounts are close but are not remove.
Consumer complaint received 2024-05-23
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. (NC)

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-06-15
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: DISCOVER BANK (TX)

Over the last year I have contacted XXXX about the error on thier discover entry on my bureau. I have also contacted discover. This account is full of errors as I have always paid on time and am still today. 

The attached letter indicating my account being erroneously reported 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 an 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 XXXX 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 2024-05-23
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. (MD)

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I disputed my personal information on XXXX to all 3 credit bureaus, XXXX, XXXX and Equifax. I also followed up with more requests to correct my personal information, including my true name, my true address and my true working address. Up until now, i've been offered no corrections to this fictitious information that they have on my reports. I don't believe that they are following the law. I want the false information removed as soon as possible. This fictitious personal information is spoiling my credit worthyness.
Consumer complaint received 2024-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC. (AZ)

As of XX/XX/year>, the refund check in the amount of {$2600.00} has not been received. In the response dated XX/XX/year>, SoFi stated the check was issued and sent via USPS to the mailing address on file on XX/XX/year>. Assuming the check was sent by First-Class Mail, according to USPS the delivery time is 15 Business Days.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THIS IS MY XXXX TIME REQUESTING THEM TO DELETE THE INFORMATION FROM MY CREDIT REPORT. I NEVER GAVE XXXX PERMISSION TO SHARE MY PERSONAL INFORMATION WITH ANY THIRD PARTY AGENCIES. THEY HAVE VIOLATED MY RIGHTS UNDER XXXX, XXXX CFR XXXX ; XXXX XXXX XXXX ; AND XXXX XXXX XXXX AND I AM REQUESTING THEM TO DELETE THE INFORMATION AND SEND ME COMPENSATION FOR THE VIOLATION.
Consumer complaint received 2024-08-17
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: EQUIFAX, INC. (CA)

I called Equitax to file a dispute on Friday, XX/XX/year>. I dialed ( XXXX ) XXXX on or around XXXX XXXX  XXXX. The XXXX indicated Equifax was closed. However, the XXXX, including Equifax 's website, both indicate hours of operation are XXXX XXXX ( XXXX ) XXXX. I did, in fact, called before XXXX XXXX  ( ET ). Moreover, XX/XX/year>, was not a holiday. The XXXX then disconnected on me because Equifax was closed. This is misrepresentation of hours of operation. This fraudulent misrepresentation prohibited me from filing a valid dispute telephonically. I seek to hold Equifax accountable and will also submit a valid complaint with the XXXX  and FTC. Please sanction Equifax.
Consumer complaint received 2024-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

After I finished paying off my student loans on XX/XX/2024, Aidvantage processed an autopayment of {$560.00} on XX/XX/2024, leaving XXXX of my loans with a - {$560.00} balance. I asked for the money back and they said they'd deposit it in my account in XXXX weeks. After XXXX weeks they said they'd sent out a check, but I never received it and they didn't have a tracking number or anything to prove they ever actually sent a check to me. Now they're saying I have to wait 14 months for the check to go " stale '' before they can reissue it, even though banks are perfectly capable of canceling checks.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

I continue to have issues with former bank JP Morgan Chase Bank. As of XX/XX/year> I continue to receive multiple fraudulent alerts stating that an account ending in XXXX has been being used in transactions. I believe that Identity Theft has resulted due to improper use and disclosure to my account and or alleged accounts previously held by JP Morgan Chase Bank.

JP Morgan Chase Bank has initiated litigation of alleged money owed. JP Morgan Chase Bank has filed ( 2 ) civil lawsuits for debt.
Consumer complaint received 2023-02-22
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. (MD)

I submitted my initial complaint in reference to my consumer information being improperly used in my consumer ( credit ) report. Since my submission CFPB has closed my complaints and asked for feedback. My issue was not resolved but verified. Which has taken over a year for the bureaus to do so. In addition, one Bureau has not responded at all. Thus prompting me to open another complaint and file again my request to have these items removed. I'm fully aware of my rights as a consumer and know that they are being violated through this illegal practice. 

According to the law, my rights as a consumer have been violated and these items need to be removed. I have an option to opt-out of my consumer information, social security number, to not be disclosed and given to a third party. My consumer report should not include any authorization or approval of a specific extension of credit directly or indirectly of a credit card or similar device. My social security number is defined as a credit card any card existing for the purpose of obtaining money, property or labor on credit. I utilized my social security card. In the exclusion section my credit report should not have any of the items listed. I will seek legal counsel if they are not. Below are the laws in details. 

15 U.S.C 1681 section 602 ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 604 A -States that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. C 1681a ( D ) ( 2 ) ( B ) states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 U.S. Code 1602 ( l ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

From my research these laws are in place to protect consumers like myself. None of these laws were followed to protect me. I'm requesting that these items be removed.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

I've tried multiple times to correct with Truist Bank information on a mortage account i had under the Suntrust that became Truist Bank. Account was paid off long ago, current and yet it's still showing open and with missed payments that are completely incorrect. I've added the information from XXXX showing the account is paid off yet still showing opening.
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (MN)

On XX/XX/2024 a check was issued from XXXX XXXX XXXX XXXX to Ally Financial for the payoff of my Vehicle Loan. I refinanced my vehicle loan with XXXX XXXX XXXX. Ally Financial received and signed off on the check on XX/XX/2024. The check was signed off on by XXXXr at XXXX. It is now XX/XX/2024 and the check has still not been cashed and my auto loan still remains opened with Ally Financial. I now have 2 auto loans opened, when XXXX XXXX XXXX XXXX XXXX should be the only loan holder open for my account in the vehicle. I called Ally on XX/XX/2024 to find out why the check issued had not been cashed yet and the representative didnt know why or where the check went to. They said it had been received, but not cashed. I called XXXX XXXX XXXX XXXX XXXX that same day to have them cancel the check and issue a new check to be delivered in 3 business days from XX/XX/2024. 
I would like Ally Financial to take care of this immediately and clear me account.