davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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. (KY)

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 : XXXXXXXX XXXX XXXX : Account Number : # XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX  : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-12
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. (KY)

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 Number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Kick off, sent me the document stating that the information provided in the documents is a valid digital signature giving permission on the date reported start date of account. I requested that all of the information in the documents me verified as % XXXX Accurate and complete without withholding information. 

Kick off refused to identify that they are not withholding information and didn't provide a clear statement identifying that the proof of digital signature provided in document with contract is infact % XXXX accurate and complete.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-01
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. (OH)

Requesting CFPB intervention due to TransUnion 's repeated reinstatement of a fraudulent account, despite verifying it as not mine and initially deleting it in accordance with FCRA laws. Multiple attempts to rectify this with TransUnion have failed. Kindly address this issue and permanently remove the fraudulent account from my credit report.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-02
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. (NY)

I was paying experian to view all three credit scores every month. The next Due Dat to refresh my scores was on XX/XX/year> I tried to refresh and got an error stating XXXX does not have matching information and that I should get a copy of XXXX report and submit it to them and that should fix the problem. I did that and that didn't fix problem. I kept calling to advise texperian of that, and every time I call them I get a different reason as to why I still can't see my 3 scores. This is now XXXX and I still can't see my scores. They said it was escalated, they escalated a month ago. I am thoroughly annoyed. The customer service is horrible. I've lost my temper a few times, but again, I've been dealing with this for 4 months now.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (NJ)

All three credit reporting agencies that are registered as a LLC have no sign documents or authorization to be reporting anything on my credit report. I did not give authorized consent to XXXX, XXXX, Experian if they continue to report negative items on my report I will seek legal counsel and file a lawsuit for defamation of credit reporting. 

I have consumer rights. 
The original creditors sold my information to a 3rd party debt collector without my written consent!
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Consumer complaint received 2024-06-13
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (GA)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Fay Servicing, LLC (FL)

My mortgage was transferred to Fay Servicing in XXXX of XXXX. Fay Serving sent me a letter stating that my PMI payments will increase from {$230.00} to {$470.00}. In accordance with the Homeowners Protection Act, I sent Fay Servicing a letter requesting termination of PMI insurance. Fay Servicing has refused to cancel the PMI premiums by asking me to provide information unrelated to my situation. In XXXX of XXXX, XXXX XXXX XXXX ordered an appraisal of said property due to a forbearance request. The {$450000.00} appraised value and loan modification resulted in a 76 % LTV. My current LTV based on the same appraisal is XXXX percent. A copy of said appraisal was sent to Fay Servicing, but Fay Servicing claims it was unreadable, which is not true. Even if was not legible, Fay Servicing has a copy of the original appraisal on file from XXXX XXXX. My account was current in XXXX when I requested termination of PMI. 

Because my loan was modified, the original value means only the appraised value relied upon by the mortgagee to approve the refinance transaction. 12 USC 4901 ( 12 ) and 12 USC 4902 ( d ). According to the Homeowners Protection Act, XXXX XXXX was required to recalculate PMI according to the modified terms, but they failed to do so. 12 USC 4902 ( d ). As a result, I have paid {$8000.00} in PMI when federal law states I was not supposed to. A conservative estimate of the homes present value is at least {$550000.00} based on recent home sales, thereby resulting in a 60 % LTV with over {$200000.00} in equity. 

Fay Servicing is ordering me to pay an additional {$470.00} per month for PMI is unreasonable. In addition, the excessive mortgage insurance now makes my home unaffordable. The Homeowners Protection Act also states that, Following termination of private mortgage insurance ( PMI ), the mortgagor may not be required to make any more premium payments, and the servicer must return any unearned PMI premium no later than 45 days after termination. 12 U.S.C.S. 4902 ( e ) - ( f ). Therefore, I am requesting reimbursement for the unearned premiums. 

Fay Servicing is also refusing to apply late payment fees. An additional payment of {$340.00} for late fees was sent to Fay Servicing in XXXX. Although Fay Servicing has cashed the check, they have not applied said late charges to the account. Should you have any additional questions or concerns, please feel free to contact me at ( XXXX ) XXXX.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

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 Balance : {$0.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-12
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. (NJ)

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 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 Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (WI)

I have never had any Wells Fargo credit cards & getting phone calls for 5+ years from XXXX & recently, since XXXX, messages for a " XXXX XXXX XXXX & been in Wisconsin since XX/XX/1995 & never known any XXXX! 

I changed my cell phone number 4 years ago or so to XXXX & phone calls followed me to this number! 

I sure won't change my phone number anymore. 

I registered my number on the donotcall.gov list once a year for at least 5 years & spoke with them on the phone quite a few times. 

I might have to call the XXXX Police Department to file a complaint.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION (NC)

I had a checking account with M & T bank where I kept a small balance. The account was set up to decline purchases that exceeded the account balance. 

The debit card for this account was linked to two companies that auto-shipped product : XXXX and XXXX XXXX. The card that was linked to these two accounts had an expiration date of XX/XX/2019. 

On XX/XX/2019, these two companies shipped product that exceeded my account balance. The bank authorized the charges which put my account in the negative. The bank then charged me two overdraft fees of {$38.00} each. 

I called the bank and argued that the shipments should have been declined because 1 ) they were charged to a card that was expired and 2 ) the account was set up to decline purchases that exceeded the account balance. 

I explained to the banks customer service agent that I had received the product and would pay for it but was not willing to pay the overdraft fees. The agent told me my only course of action was to file a dispute which I did. 

When I filed the dispute, the bank reversed payment to XXXX, but not to XXXX XXXX, while they investigated the dispute. 

XXXX showed proof of delivery, so the bank declined my dispute ; however, my dispute was not about product delivery, it was about overdraft fees. 

When I tried to place another order with XXXX, I discovered I was a delinquent status with them because they had not received payment for the product shipped in XX/XX/2019 ( amount {$180.00} ). I then paid XXXX this amount plus a {$25.00} XXXXhargeback fee. 

In the meantime, M & T charged off the negative account balance in the amount of {$350.00} and sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I explained the situation to the collection agency and told them I would pay for the {$99.00} XXXX XXXX charge, but not for the XXXX charge because I had already paid XXXX and not for the overdraft fees. They would not accept that and advised my only course of action was to file a dispute with M & T which I did. 

M & T came back with the same response : that I was liable for the entire amount. 

I have been in this loop since XX/XX/2019 without resolution. M & T is not conducting proper research before responding and the collection agency isnt in the position to act in my interest. 

This charge off affects my credit and I am now on a blacklist with XXXX which affects my ability to open a checking account at a new bank. 

I am willing to pay the {$99.00} for the XXXX XXXX services I received if M & T will acknowledge this as full payment and remove any negative reporting to credit bureaus and XXXX.
Consumer complaint received 2023-09-21
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)

Despite my best efforts to rectify this situation, it is disheartening to find that these fraudulent accounts continue to tarnish my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts not only damage my financial reputation but also hinder my ability to secure credit, obtain reasonable interest rates, and achieve my financial goals. It is a grave injustice that they persist on my credit report despite my unwavering efforts to have them corrected. 
Your agency 's failure to address this issue in a timely and effective manner is not only a violation of the Fair Credit Reporting Act but also a disregard for the rights of consumers.
Consumer complaint received 2023-09-21
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated.

1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), Which outlines the permissible purposes for which Consumer reports Can not be without written instructions, and any violation of these provisions constitutes a breach of my rights.

3. My rights have also been infringed Upon under 15 USC 1666b, Which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is in accurate and should be rectified accordingly. 

Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NV)

I have received notices from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  about a Dark Web issue, I need to put a freeze on all 3 credit bureaus, I was successful with XXXX XXXX XXXX XXXX but Experian is not willing to help. 

THE ISSUE, No matter what number I call for Experian it all goes back to the same automated voice mail system, with no live operator for assistance. 

ONLINE ATTEMPTS / 12 so far When I go to Experian.com It will prompt you if you have forgot your USER NAME click here, it then says an email has been sent to you to change your USERNAME, over 13 attempts and I have not received a response back at all. It seems apparent that the email Experian has on file for me is incorrect or they system simply does not work. 

All I want to do is access my Experian Account so that I can place a Freeze on it. 

If someone from Experian would simply contact me I would appreciate it.