davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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. (WI)

The consumer protection credit act which incorporates, the fair credit reporting act, the fair collections practice act, as well as other consumer protected statutes, prevents and/or allows me to file an identity theft report based on any debt that is either unrecognized and/or unauthorized. I have several items on my report I did not authorize ; as a matter of fact they were retrieved or obtained from sources who claim they received it from public venues, listing commonly known credit agencies. I emphasize, under the privacy act of 1974, my address, specifically, when associated with my name, and my social security number specifically when associated with my name, are NOT public information, and I have given NO authorization to distribute this information publicly. 

When corporations sell my information to corporations, as such is the case with XXXX XXXX XXXX XXXX XXXX, this is done without authorization, therefore making the information INACCURATE. The law STRICTLY prohibits any inaccurate and/or misinformation being placed on public record such as any credit agency or bureau. The credit agencies can not associate this information with my information without MY permission! 

15 USC 6508 : This section falls under the Gramm-Leach-Bliley Act ( GLBA ) and pertains to the protection of nonpublic personal information. Specifically, it defines the term " financial institution '' as any institution engaged in the business of providing financial services to consumers, including banks, credit unions, securities firms, insurance companies, and certain other entities.

15 USC 6802-6805 : These sections also stem from the Gramm-Leach-Bliley Act and focus on the privacy of consumer financial information. They outline requirements for financial institutions regarding the treatment of nonpublic personal information and provide guidelines for safeguarding such information against unauthorized access and use.
Consumer complaint received 2024-06-18
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: EQUIFAX, INC. (TX)

I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Personal information such as address XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inaccurate. The only address on file should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No other names should be reported other than XXXX XXXX.
Consumer complaint received 2018-04-07
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: Rocket Mortgage, LLC (FL)

hard credit inquiries XXXX-XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/quicken Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/quicken Loans Inquiry from XX/XX/XXXX XXXX/quicken Loans Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-04-19
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)

XXXX XXXX XXXX XXXX XXXX XXXX on My Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> XXXX XXXX XXXX Account # : XXXX Dear Experian, I am writing to dispute a tradeline on my Experian credit report associated with XXXX XXXX XXXX. This letter serves to formally request the removal of this inaccurate information from my report, citing several consumer protection laws. 

Grounds for Dispute : Limited Disclosure of Consumer Reports ( 15 U.S.C. 1681b ( 1 ) & ( 2 ) ) : The Fair Credit Reporting Act ( FCRA ) strictly regulates the circumstances under which consumer reporting agencies, like Experian, can furnish consumer reports. According to 15 U.S.C. 1681b ( 1 ) & ( 2 ), you can only disclose such reports under limited conditions, including when a court orders it or with the consumer 's written instructions. In this case, I have not provided any written consent for the disclosure of this tradeline.

Aggravated Identity Theft ( 18 U.S.C. 1028a ) : The presence of this unauthorized tradeline on my report suggests the potential misuse of my personal information. Disclosin such information without my consent may constitute a violation of 18 U.S.C. 1028a, which prohibits aggravated identity theft. 

Right to Opt-Out ( 15 U.S.C. 6802 ) : The Gramm-Leach-Bliley Act ( GLBA ) safeguards consumers ' nonpublic personal information held by financial institutions. Accordng to 15 U.S.C. 6802, financial institutions can not share such information with non-affiliated third parties without first offering the consumer the opportunity to opt-out. Since I did not authorize the disclosure, this may be a violation of GLBA. 

Request for Action : Based on the aforementioned laws, I demand the immediate removal of the XXXX XXXX XXXX XXXX from my Experian credit report. I request written confirmation of this action and any updated copies of my credit report reflecting this change. 

Additional Information : I am prepared to pursue all available remedies under the FCRA, including but not limited to statutory damages, actual damages, attorney 's fees, and injunctive relief. I urge Experian to take this matter seriously and to take immediate steps to rectify the inaccuracies on my consumer file. 

I expect a prompt response to this notice and a resolution of this matter within the specified timeframe. Failure to do so will leave me with no alternative but to pursue legal action to protect my rights under the FCRA. 
Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX  My Attorney : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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. (WI)

I am writing to dispute and request the immediate removal of inaccurate information from my credit report. Upon reviewing my credit report, I have discovered several accounts that do not belong to me and appear to have been merged with another individual 's file. These errors are damaging my creditworthiness and have the potential to cause significant harm to my financial standing. It is imperative that you conduct a thorough investigation into these discrepancies and rectify them immediately. Failure to do so may result in legal action being taken against your bureau for non-compliance. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-19
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. (MD)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX I received a legitimate email from TD Bank stating that a checking and savings account were opened in my name. 
This happened in XXXX as well. 
Contacted TD Bank fraud dept who advised they saw the account/info and closed and noted the account as fraud.
Consumer complaint received 2024-04-19
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)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The debt Collector has not provided me proper debt validation for this alleged debt. I requested verfication/validation of the alleged debt and requested a copy of the contract of agreement on XXXX all they did was updated the date to current. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (PA)

My credit report is showing unauthorized inquiries from XXXX XXXX XXXX XXXX as well as XXXX XXXX. I didnt give written consent for my information to be furnished to the credit agencies. I need these inquiries removed immediately from all three major credit agencies XXXX, XXXX, and Equifax.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I have a mortgage account for my property in XXXX XXXX with XXXXXXXX XXXX XXXX and have opened an Escrow Account with them. In XX/XX/XXXX, I closed my Escrow Account and the Customer Support at XXXX XXXX said they will return the remaining balance to me via a check, which amounts to {$9400.00}. XXXX XXXX have confirmed that the check have been mailed out since XX/XX/XXXX. On Monday XX/XX/XXXX, I called XXXX they informed me that my check was cashed to a JP Morgan Chase Bank Account. I never received the check hence I did not endorse it and cashed it in. 

XXXX XXXX said that someone may have stolen my mail, forged my endorsement and cashed my check to a Chase account. Chase was at fault for letting the fraudster to cash my check with forged signature. XXXX XXXX sent me a copies of the cashed check mentioned above. I took the check and went to a Chase Bank branch to inform them of this scam that has happened and to let them know that a scammer has an account at Chase bank and that they processed stolen property with a fraudulent endorsement. The Chase rep apologized, confirmed that indeed the fraudster 's account is processing the check, but said nothing they could do to cancel the check till XXXX XXXX filed a dispute. 

After a lot of effort working with XXXX XXXX, on XX/XX/XXXX, XXXX XXXX sent me a letter confirmed that they have filed a dispute with Chase, but the investigation might take after 9 months due to expected delay from Chase.

In my view, Chase allowed the fraudster to cash the check, did not block it timely, now they are taking a very long time ( 9 months ) for this simple investigation ( matching my signature with the fraudster or directly call the fraudster to confront them should be sufficient ). I went to the Chase branch with this information and call the customer service line multiple times explaining the situation, but got no help and these reps said there were nothing they can do to help. 

Another problem I faced with Chase is that since this is not happening with my own Chase account, but the unpermitted check cash-in the fraudster 's Chase account. Everybody I talked at Chase ( either from call center or at the branch ) refused to help, I have to repeat this nightmare each time I talked to a new person trying to get help, spending countless of hours. 

I need this money to be refunded as soon as possible. I can not imagine why a bank will let someone cash a check in my name without my approval and refuse to address the problem timely. This is straight illegal. 

Please look at the uploaded document for police report, fraudulent check with fake signature, and letter from XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (GA)

Dear CFPB, Affirm Inc. is not adhering to the protection order for credit reporting under the statute below. I contacted Affirm Inc. customer service on XX/XX/XXXX, on a recorded phone line ; the person stated he would share my concerns about the credit reporting to find a solution. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to consumer reporting agencies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health XXXX XXXX XXXX XXXX XXXX XXXX Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'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 2024-04-19
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. (NV)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-28
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. (MS)

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, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX, Account # XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXXXXXX XXXX, I went to finance a auto at a dealership. I was already pre-approved from a certain lender, however, the dealership ran my application to other lenders. Bank of America Auto finance was one of them. Bank of America immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-19
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.