davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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. (PA)

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. XXXX : # XXXX, XXXX XXXX : # XXXX, US DEPT ED : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : # XXXX, DPT EDXXXX : # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-05-05
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. (MD)

I am writing to file a formal complaint against Experian due to 3 fraudulent collection accounts that have been incorrectly listed on my credit report. These accounts, listed under XXXX XXXX for account number XXXX, XXXX XXXX for account number XXXX, and XXXX for account number XXXX, do not belong to me and I believe they are the result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, the accounts continue to appear on my credit report. This error has caused significant financial hardship, negatively affecting my credit score, resulting in denied loan applications and increased interest rates on existing credit.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

1099 REQUESTED WITH NO RESPONSE. BILL CAN NOT BE PAID. MEDICALLY UNABLE. 

ACCOUNT NUMBERS DONT EVEN MATCH AND INFO IS INCORRECT. 
\ 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

My personal information has been incorrect on my Experian profile for over a year. Ive tried multiple times to fix this and I get no help. 
My only name is XXXX XXXX XXXX. And For some reason, there are a number of other names on my credit report that are not mine obviously and Im pretty sure that there are laws being broken. If the information on my credit report is not 100 % accurate According to the FCRA
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I recently reviewed my credit reports with EXPERIAN, XXXX, XXXX XXXX and discovered several inaccuracies that are negatively impacting my creditworthiness. Specifically, incorrect personal information including addresses, incorrect employer information, as well as erroneous, inaccurate, and incomplete account information including : account number, account type, high credit, date of last activity, payment history, number of months ( terms ), and date last reported. These inaccuracies have resulted in adverse consequences such as being denied credit, unfavorable loan terms, and experiencing financial hardship due to limited access to credit. 

Attached to this complaint is a copy of my credit report from MyScoreIQ highlighting the inaccuracies and discrepancies on my EXPERIAN, XXXX, and XXXX consumer reports, as well as additional supporting documentation noting the denial of credit and unfavorable loan terms instated as a result.
Consumer complaint received 2024-05-05
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: Experian Information Solutions Inc. (FL)

Received an email at XXXXXXXX XXXX on Friday, XX/XX/year> informing me that an amount of {$8100.00} needed to be paid toward my balance by XX/XX/year> or that I was at risk of having my credit reduced and my card frozen. The card was actually frozen on Saturday, XX/XX/year> shortly after receiving the above email. I have made 3 payments in the last XXXX weeks totaling {$4100.00} that is not counted toward the total {$8100.00} requested. I currently have no minimum payment due and an 18 history of timely payments. 

I have requested that the company provide me of the consequences of not paying upon their request and have been told that they are unable to do so given that the decision is still being reviewed by analysts. I feel that it is incumbent upon XXXX XXXX to inform me as a consumer how my credit will be impacted based on a decision to pay or not pay. Without that information, the consumer is unable to make an informed and educated decision.
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-05
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. (NC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  XXXX BY XXXX AND XXXX BY EXPERIAN, HAS VIOLATED MY RIGHTS. 

XXXX5 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGTH TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-09-18
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PIC Capital, Inc. dba Direct Home Lending (TX)

Applied for loan in XXXX. Completed all paperwork requested. Completed required training in reverse mortgage and obtained certification letter. Completed loan company required home appraisal ( {$700.00} cost ) in XXXX. No communication since that time ( now XX/XX/XXXX ). No one answers phone, emails or text messages. I need immediate status or whether I should apply with different mortgage company ASAP.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OH)

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XXXX, XXXX under the account number ( private ), an credit card account opened at XXXX XXXX XXXX  on XX/XX/year> under the account number ( private ), a Credit Card account opened at XXXX XXXX on XXXX XXXX under the account number ( private ), and a credit card account opened at XXXXXXXX XXXX  on XX/XX/year> with a balance of $ ( private ) and a credit card account with XXXX XXXX XXXX  opened XX/XX/year> under the account number ( private ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act the collection agency below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. In accordance with the Fair Credit Reporting act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days.

Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts. 15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C.

552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. Account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-05
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)

THIS ACCOUNT WAS OPENED FRAUDENTLY. PAYMENT WILL NOT BE MADE. SUBMIT A 1099C TO THE CREDITOR AND REMOVE THIS FROM MY REPORTS. IVE BEEN TRYING TO FIX THIS FOR 3 YEARS 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in perso
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My interactions with the debt collector have been marked by persistent efforts on my part to obtain vital information, which unfortunately have not yielded the desired results. I have repeatedly requested specific items such as the audit trail detailing the balance in question, the contractual agreement that substantiates their authority to pursue this debt, and the master bill of sale that underpins their claim. Regrettably, the debt collector has consistently fallen short of providing these essential documents despite my sincere inquiries. Moreover my attempts to halt communication through a formal cease and desist notice have been met with continued disregard, as their attempts to contact me persist. In addition to this. I have initiated multiple reinvestigations, urging the debt collector to share the identities of the individuals who purportedly verified the contested information. To my dismay, there has been no response from either the debt collector or the credit agency involved. Their lack of cooperation and failure to furnish the requested information not only raise concerns about the accuracy of their claims but also the adherence to legal obligations. The absence of a timely and comprehensive response has further exacerbated my concerns and underscores the need for a resolution that adheres to the pertinent regulations.
Consumer complaint received 2024-05-05
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. (GA)

I pulled my credit report and noticed inaccurate information on my profile. I have sent several letters to the Bureaus and have not gotten this resolved. I also sent them an identity theft letter that shows my information was compromised but the inquiries are still on my profile. The unauthorized inquiries are : XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX  XXXX XXXX Inquiry  : XXXX XXXX, XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous XXXX. Agencies XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Miscellaneous XXXX. Agencies XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous XXXX. Agencies XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous XXXX. Agencies XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

TO WHOM IT MAY CONCERN FOR SEVERAL YEARS I'VE BEEN TRYING TO RESOLVE THIS DISPUTE WITH WELLS FARGO I HAD A {$800.00} SECURED CREDIT CARD LINKED TO MY BANK ACCOUNT WITH WELLS FARGO. I WAS INCARCERATED IN XXXX. I wasn't released from prison until XX/XX/XXXX. THE {$800.00} SECURED CARD somehow was charged {$2000.00} FOR A RENTAL CAR while I was incarcerated and somehow the {$800.00} card accepted the {$2000.00} FRAUD CHARGE. FIRST OF ALL, WHY WOULD A {$800.00} SECURITY CARD EXCEPT A {$2000.00} CHARGE IT DOESN'T EVEN MAKE SENSE TO ME ANYWAY I WAS INCARCERATED AT THIS TIME I HAD OVER {$2000.00} IN MY CHECKING ACCOUNT AND SINCE MY SECURED CARD WAS LINKED TO MY CHECKING ACCOUNT. IT WIPED OUT MY BANK ACCOUNT TO PAY FOR THESE FRAUDULENT CHARGES WITH A SECURED CARD THAT SHOULD'VE NEVER EVEN ACCEPTED A {$2000.00} CHARGE. So when I got out of prison in XXXX XXXX I thought I was getting out with money in the bank but come to find out I owe Wells Fargo over {$2000.00}. My first two months out of prison, I had to deal with Wells Fargo and at the end of it. Three years later it still hasn't been resolved. I haven't gotten one phone call from them. I have to call every time and when I do call nothings done, I sent them in the paperwork my PO officer gave me showing them that I was incarcerated during the time of these charges so it would be impossible for me to have made them and yet still they have not done anything to resolve this issue and they have not contacted me trying to resolve this issue at all all the time that we talk to him because I had to call them and see what's going on and every time I called him asking why I haven't. Why wasn't I called this time it is always something to do with how your number was wrong. I'm like I just re-updated my number. Last time we talked it's been three times ago. Oh it was one number wrong in the number it's ridiculous. Wells Fargo are a bunch of crooks it's been proven time and time again that they shouldn't be in business at all
Consumer complaint received 2024-05-05
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. (MD)

I am writing to file a formal complaint against Experian due to 4 fraudulent collection accounts that have been incorrectly listed on my credit report. These accounts, listed under XXXX XXXX  for account number XXXX, XXXX XXXX for account number XXXX, XXXX XXXX for account number XXXX, and XXXX XXXX XXXX for account number XXXX, do not belong to me and I believe it is a result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, the account continues to appear on my credit report. These errors have caused significant financial hardship, negatively affecting my credit score, resulting in denied loan applications and increased interest rates on existing credit.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I finished their credit program. They kept billing me for 3 years after when I wasn't using the card. Now they say it's maxed out. They did not improve my credit score. I don't understand what I've done wrong.
Consumer complaint received 2024-05-05
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. (TX)

On XX/XX/XXXX I spoke to customer service at XXXX XXXX about the alleged late payment reported on my consumer report on XX/XX/XXXX. XXXX XXXX failed to verify the account number for the referenced account. They also mentioned that the account they do have on file shows no late payments. Experian, XXXX, and XXXX is reporting false information and continues to report updated and verified accurate information. This isnt the first time that Experian, XXXX, and XXXX have violated my rights protected be the FCRA guidelines. 

On XX/XX/XXXX I spoke with customer service at XXXX XXXX XXXX informed them of their violations in reporting late payments without my written permission and about their responsibility to notify consumers 21days before furnishing any information to the credit reporting agencies. I asked why and how they verified information to Experian, XXXX, and XXXX. They replied saying they have not reported any information to Experian, XXXX, and XXXX. 

Experian, XXXX, and XXXX were all notified about this dispute on XX/XX/XXXX and failed to respond within the 30 days regulated by the FCRA. 

I demand immediate remedy for these infractions, no extensions beyond the 15 days set forth by the consumer finance protection bureau will be given or tolerated.
Consumer complaint received 2024-07-01
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: HUNTINGTON NATIONAL BANK, THE (MI)

I have filed multiple disputes with THE HUNTINGTON NATL BANK for Unauthorized Use of my Account while being incarcerated, Again Unauthorized Use, Identity Theft, Fraudulent Charges, NOT THE OWNERSHIP OF THE ACCOUNT. Every single Time I dispute these Unauthorized, Fraudulent Charges, THE HUNTINGTON NATL BANK respond by sending me a letter stating that they verified that this account belongs to me- THE HUNTINGTON NATL BANK own policy Zero Liability Protection - Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information. However, Every single Time I dispute these Unauthorized, Fraudulent Charges, THE HUNTINGTON NATL BANK act like they Don't Read my Dispute - So here, I'm requesting that CFPB investigate whether THE HUNTINGTON NATL BANK does comply with the requirements set forth in the FCRA. The Dispute is about unauthorized use of My Account by an Unknown Person while being incarcerated. I Dont want THE HUNTINGTON NATL BANK to respond by stating that this Account Belongs to me, If this Account didn't belong to me, I won't be disputing those unauthorized charges.
Consumer complaint received 2024-05-05
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. (GA)

There was a vehicle taken out in my name by identity theft The company name is XXXX XXXX have sent a police report of the incident and also a FTC report I told XXXX I was a victim of identity theft.. I have reached out to the credit bureau furnishing this inaccurate information and ask them to provide me what evidence was used to verify this account to stay in my report and they DO NOT WANT TO PROVIDE IT WHICH IS ILLEGALThe credit agency is Experian.