davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OK)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-09-01
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc (MA)

On XX/XX/XXXX  XXXX and XXXX reported a transaction on my account that I did not give permission to. According to the Consumer Protection Bureau 15 U.S code 1681a2 I did not give written permission to have XXXX  and affrim to furnish on my credit report.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Hello, I'm currently in the process of reconciling my credit reports due to facing repeated rejections, and it's become quite a complex issue. According to XXXX XXXX, my XXXX report indicates a XXXX XXXX payment history and no derogatory remarks, despite previously having numerous inaccuracies that I've since resolved. All my marks are positive, and I'm seeing a XXXX score of XXXX, although I'm actively working with XXXX XXXX to address any discrepancies. 

Both XXXX XXXX and XXXX show a valid score of XXXX, with XXXX also reflecting a 100 % payment history and no claims, which aligns accurately with my financial situation. However, upon recently checking Experian, I was surprised to find a score of XXXX, which doesn't match my payment history or lack of collections as seen on XXXX and XXXX. 

Experian requires a payment to update my report to reflect the current year, but I'm hesitant to spend money just to uncover potential errors impacting my life. My concern lies in Experian 's divergence from the truth and the standards set by other accessible agencies like XXXX. I firmly believe that my true credit standing mirrors what's reported by XXXX : a score of XXXX, with no collections and a flawless payment history. 

I'm filing this complaint with Experian in hopes of aligning my credit report with the accuracy reflected by other agencies. Without having to pay for access, I need assurance from XXXX that my credit report accurately reflects my financial standing. I need to have XXXX ensure I have no collections and XXXX XXXX payment history as tha'ts the only truth. I have attached everything i have from XXXX showing no collections, XXXX XXXX payment history and a XXXX, the only reason i'm not XXXX is because of hard inquiries, and i want those removed too because i did XXXX to XXXX and it's probably experian causing false rejections because they are XXXX points off my score and i'm not paying them a dime, for me to find out why my score is low, that's blackmail by definition. Actually that's extortion and no free option is available and contacting them is a cluster
Consumer complaint received 2024-04-11
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. (FL)

XXXX XXXX XXXX Account is in violation of FCRA because is reported as Charge OFF and Written OFF at the same time. Account repeatedly reporting C/O every month in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, XXXX, XXXX, XXXX in XXXX. Re-aging the account is illegal. 
XXXX XXXX XXXX Account is in violation of FCRA because is reported as Charge OFF and Written OFF at the same time. Account repeatedly reporting C/O every month in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, XXXX, XXXX, XXXX in XXXX. Re-aging the account is illegal. 
XXXX XXXX  XXXX Account is in violation of FCRA because is reported as Charge OFF and Written OFF at the same time. Account repeatedly reporting C/O every month in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, XXXX, XXXX in XXXX. Re-aging the account is illegal. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Violation The following accounts are claiming to both own the same debt with balance. Also account is reported as Charge OFF and Written OFF at the same time. Both accounts need to be removed from my credit report. 
XXXX XXXX XXXX XXXX  XXXX Experian is reporting the same account XXXX times and this is violation of my rights. 
Debt collector was unable to validate debt pursuant XXXX XXXX CFR 1006.34. See documents and proof of receipt attached. 
XXXX XXXX XXXX ACCOUNT is reported in collection but missing information as when/if the account has been sold, and not reflecting a {$0.00} after sold. Account is reporting inaccurate data.
Consumer complaint received 2023-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

My original servicing loan provider sold off my loans to Aidvantage this past summer in XXXX. I have not been able to resolve outstanding problems that I was experiencing with my original service provider before my loans were sold to Aidvantage. Since Aidvantage has become my service provider, they are unable to help with my former issues and they have not provided resolution to my concerns about payments. At this time Aidvantage has not provided me the transparency and payment detail of how my monthly payments are being applied, how interest is being calculated, and how additional payments that I am making are being handled ( i.e. is this applied to principal before next monthly calculations )? To not have transparency or understanding the math behind their payment calculation is raising concerns with being overcharged with interest and not getting the benefits of paying down principle with additional payments. I have made multiple inquiries in the past couple of months and no one has provided me a response. I do not want to not pay my monthly payments and further incur higher interests, but I am a captive to their lack of response.
Consumer complaint received 2024-04-11
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

This XXXX Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-11
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. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last XXXX months, or the last XXXX  years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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)

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 XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
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. (FL)

Neither of the 3CRA 's upheld their obligation to my first complaint, requesting for a four day block and removal due to identity theft as per 15, US 1681C-2 stating that the CRA 's have two block any accounts said to be inaccurate due to identity theft by the consumer, no later than four business days after receipt of communication. I am now and pursuing of the next step in continuing the pursuit of legal action. The first complaint was made on XX/XX/. It is now the fifth day XX/XX/.
Consumer complaint received 2024-04-11
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. (OR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO (SC)

My father, XXXX XXXX XXXX XXXX XXXX, born on XX/XX/XXXX, died on XX/XX/XXXX. I contacted the bank about the funds in his checking account, Popular bank in Puerto Rico corporate office. They informed me that they requested Proof that my sister and I were the only heirs to the funds in the account. We needed the funds to cover my funeral cost. We submitted the Proof from XXXX XXXX XXXX XXXX in XXXXXXXX XXXX  that we were the succeeding executor on the account. Weeks later, after submitting the evidence that they required Proof of death, Proof that my sister and I are the only heirs verified with the courthouse in my jurisdiction and where my father had passed away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX manager at the time. To receive those funds, we would have to fly to Puerto Rico at our expense, Lodge, at our own cost and hire a local attorney to Verify our identity at our own expense. 
At this time, I want to know what happened to the funds in my fathers ' account did ; any unauthorized access has been made If the funds are recoverable to resolve the burial obligation.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX XXXX This Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (PR)

XXXX XXXX This Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-11
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)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (PR)

SYNBC/ XXXX This Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (ID)

On XX/XX/XXXX, Chase bank informed me that my checking account ending in XXXX was temporarily frozen due to suspicious activities and asked me to call them. I called them immediately and found out that my account was hacked into and XXXX wire transactions of {$2800.00}, total of {$14000.00}, was sent to people I don't know. Chase bank helped me file CLAIMS and RECALLS on those fraudulent transactions on the same day. 

During the call, Chase asked me to change my email passwords and account log-in credentials, and I did. 

Also, I was told by Chase 's claim team that they will send me a reclaim packet to fill out and asked me to sent back once I completed. 

Later when I checked the emails ( XXXX ) to see if any more damages were done, I confirmed that my email account was also compromised as I found those notification emails of Wire Transactions from the TRASH folders, which was not done by me. 

Few days later, around XX/XX/XXXX, I checked my business account ending in XXXX, and found out that similar things happened on this account : XXXX unauthorized wire transaction, total of {$10000.00}, was sent to the people I don't know. 

And the recipient bank of those transactions were the same as my personal checking account. 

Not only that, the amounts being fraudulently wired were the same between XXXX accounts- {$2800.00}. 

When I checked the fraudulent transaction date on this account XXXX, the fraudulent wire was sent on XXXX XXXX day before I was notified by Chase regarding the fraudulent transaction of account XXXX. 

The net day, XX/XX/XXXX, I went to a Chase Bank XXXX in XXXX, ID to file the claim. 

On XX/XX/XXXX, I noticed that Chase refunded the {$10000.00} to my business account ending in XXXX. 

Then on XX/XX/XXXX, I received Chase 's " claim packet '', and I filled the packed by describing the incident on account XXXX and sent back, assuming this packet is for my claim that I filed on XX/XX/XXXX. 

On XX/XX/XXXX, I called Chase and asked the progress of claim regarding the account XXXX for amount of {$14000.00}, and I was told it's still being reviewed. 

On XX/XX/XXXX, I called Chase again but this time I was told that my claim regarding the account XXXX for amount of {$14000.00} was rejected way back to XX/XX/XXXX. 

On XX/XX/XXXX, I called Chase again to ask for explanation of the rejection of claim regarding the account XXXX for amount of {$14000.00} as the claim for account XXXX was refunded, and I was told that claim of XXXX was associated with the " RECALLS '' so the back office rejected it XXXX day after I file the claim. 

on XX/XX/XXXX, I requested the Chase XXXX XXXX to reopen my case as all these information pointed to that the fraudulent transactions were all conducted by the same group of people- the time range, the amount, the receiving banks are all the same for XXXX accounts- but I was told that the decision they made on XX/XX/XXXX was the final and they won't reopen my claim for investigation.