davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (GA)

Last XXXX around the first week while trying to buy a house for my family, I found discrepancies in my credit reports with XXXX, XXXX, and Experian, as per 15 U.S.C. 1681. 
Since then I have been promptly contacting all three credit bureaus to address the issues, requesting the It's crucial to eliminate any fraudulent accounts promptly. requesting removal of outdated addresses, unauthorized inquiries, and the closure of erroneously reported accounts, both online and via phone communication. 
According to 15 U.S.C. 1681, such inaccuracies should not be present on credit reports as they can damage one 's reputation.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My complaint is pretty straight forward, I have address reporting on my credit that are not mines, Please remove any address that is not the address I am including in my attachments, I am not receiving my mail and I am not trying to be a victim of identity theft.
Consumer complaint received 2024-04-25
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
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. (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-20
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: SYNCHRONY FINANCIAL (TX)

There is a collection account on my credit report from XXXX XXXX XXXX which XXXX Synchrony Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX XXXX breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting and the possibility of being taken to small claims court per violation of the FCRA and FDCPA regulations.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America reduced my credit limit from {$4000.00} to {$2100.00} on XXXX  The letter dated XX/XX/ states that a decrease in credit score per XXXX corroborates the credit limit decrease. 

The account has never been late nor any adverse action has been taken from the consumer or Bank of America to substantiate the decrease in credit limit. 

Furthermore, the initial credit limit was backed by the Federal government with full faith and credit. 

It is unlawful to deny the full faith and credit limit that was authorized without subrogation.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

There is incorrect information on my report from XXXX XXXX. This has had a very serious affect on my life and has been XXXX  distressing  for me and my family. My information was incorrectly reported shortly after I was laid off in the middle of the pandemic. Please remove and block.
Consumer complaint received 2023-09-21
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. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Litigation pending with my attorney and possible class action lawsuit along with the one already existing regard numerous violations with this bureau, INCLUDING PERSONAL INFORMATION BREACH.. .This complaint is regarding existing current complaint with CFPB displayed with attached items BELOW! 
Report number displayed from where items were deleted. I have fraud alerts on each bureau. Besides third party vendor reports. Please prove legal in writing BY WAY OF MAIL THE validation of these debts that DO NOT BELONG TO ME OR REREMOVE THEM OR I WILL SEE THEM AND BUREAU REPRESENTATIVEs IN COURT.
Consumer complaint received 2023-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (TX)

XX/XX/XXXX phh makes a incorrect insurance payment of {$3400.00} on a policy set to expire on XXXX 45 days in advance. 

Made a payment XX/XX/XXXX on new insurance XXXX. 

Provide updated tax numbers XX/XX/XXXX due to their incorrect numbers by over XXXX XXXX 

They state they will attempt to fix this but now my escrow is showing underfunded. I was contacted the last week of XXXX stating it was fixed. I get the cancelled insurance payment back and have to pay this back which is fine but Im charged {$15.00} fee in the process. This fee is erroneous as their error does not constitute a fee on my part. 


On XX/XX/XXXX they make an insurance payment for XXXX XXXX  for the county. The count bill is XXXX XXXX This is post them informing me they have corrected the error. 

They still have 2 more tax payments to make, city and school, which I expect to also be gross overpayments which will result is a higher mortgage like what happened in XXXX. 

My mortgage payment went from XXXXXXXX XXXX XXXX for all of XXXX and they did not provide me the 30 days to correct this issue. Now they have overpaid for a tax and unneeded insurance which has resulted in underfunding and fees on my side which are unethical. If this is happening to me, I suspect it is happening to many of holders.
Consumer complaint received 2023-12-02
Product: Credit 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: AMERICAN EXPRESS COMPANY (AZ)

An airline ticket was purchased using my American Express Delta Skymiles card ( confirmation code XXXX ), also the insurance box was checked to further protect if I had to cancel the flight. ( Scheduled for XX/XX/XXXX ) I canceled the airline ticket because I did not have to physically appear in court. Delta Airlines assured a refund to my credit card would happen. The credit for the {$530.00} airline ticket did not happen and I began disputing the charge when I noticed that it had not been removed from my credit card on or about XX/XX/XXXX. The charge was removed from my account and within a few weeks or less, the charge appeared again on my account. Called again to American Express to form another dispute, ( XXXX ) advised that it would be taken care of and not to worry. ( Continual process for over 4 times ) Tried to use my other American Express Card Hilton Honors, while on vacation in XXXX of XXXX for my Hilton honor points, and was told card declined, and account closed. Called American Express and was told that I disputed the charge " to late '' and that I would have had to dispute the account within a certain " timeframe ''. Advised the representative that I have continually been disputing this charge and was told by the representative that the charge was valid. I advised that I was told that there would be a credit issued because I canceled the flight and that credit has never happened. Contacted Delta airlines, and they stated they could not locate the flight information ( Confirmation XXXX ) despite the fact that I provided the confirmation number. Then was told if I had insurance, I would have received something for " XXXX ''. 

I was charged for a flight that I canceled, never issued a credit, or even so much as a voucher to use at a later date. Now, the American Express Hilton Honors credit card that had a {$0.00} balance is closed. The American Express Delta Skymiles Credit card, as of XX/XX/XXXX has a balance of {$850.00} from all of the late fees and interest fees American Express keeps charging me for a charge that was never refunded despite the continual disputes. Now, I keep getting text messages, stating " Your AMEX payment is due, '' " Keep your AMEX account from going further past due and avoid further negative impact to credit score '' " Pay {$40.00} to keep your account from becoming further delinquent. '' Now, my credit report is damaged due to American Express actions, and I have contacted and formed complaints with the credit reporting agencies. Now, I'm beginning my complaints with the CFPB.
Consumer complaint received 2024-04-27
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. (LA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

i sent XXXX  and experian letters on XXXX, disputing the inaccurate and incomplete tradelines they are reporting on my consumer report. Per 15 USC 1681e ( b ) states that all information has to be 100 % accurate and complete before reporting on a consumer report. they are in violation of the FCRA and the information should be deleted immediately. 
XXXX XXXX XXXX is giving out inaccurate data and the account should be deleted as well. 

please see attached
Consumer complaint received 2024-04-27
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. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-11
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. (SC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (AZ)

I have tried to resolve this issue with the debt collector and informed them that I was a victim of identity theft and I didn't open or give anyone permission to open this account. I asked for access to the account to see what was purchased and see how much credit was used and got no response, but just to pay it. 
Witch I refuse to do. I have absolutely no access to the account, it was opened up with fraudulent phone number and email address. 
I have disputed this in the past and got no were. I also found out that the account is still OPEN when I asked them Several times to close it. Because I didn't give them permission to open it. 
I asked what type of identification was used to open up the account. 
I noticed that the debt collector keeps adding late fees on the account. 
I feel that Debt collector is not being fair about this situation at all. 
I need to resolve this issue ASAP. 
can someone please assist me with this issue.
Consumer complaint received 2024-04-25
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. (GA)

I am rewriting to address a matter of utmost concern to EXPERIAN regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that Experian conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Please assist with this situation involving Wells Fargo Home Mortgage. Requesting removal of inaccurate information all three credit bureaus because of start/end dates are totally false ; No payment started ( XXXX ) from the first last payment date which lead to the foreclosure ( XXXX ) ; foreclosure is noted to be reported ( until XX/XX/XXXX ) beyond the reporting XXXX year period. 

After numerous attempts, finally spoke with XXXX representative XX/XX/XXXX, about Wells Fargo situation and person stated- XXXX ) the information was reported & verified, and XXXX ) credit bureau do not know why it is beyond the XXXX year limit and XXXX ) it will remain on my credit report ( until XX/XX/XXXX ) because that is what reported by Wells Fargo company . 

I have not been able to make contact with a knowledgeable person from Wells Fargo that can assist me. I have repeatedly disputed the situation over the years and receive a reply of verified and the information remained inaccurate.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (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.

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.