davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 
please d check the listed late payment below Account Name : XXXX XXXX XXXX Balance : {$18000.00} Account Number XXXX Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX Balance : {$0.00} Account Number XXXX Date Opened : XX/XX/XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I have been trying for weeks to spend my American Express gift card online and it seems to get declined everywhere I try to shop. The card is worth exactly {$99.00}. This has been causing me a lot of trouble. XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX are the three methods of payment that I have been trying to submit. All transactions well under the {$99.00} amount.
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (AZ)

I took out a loan with Lendmark Financial. Due to financial hardship, I was not able to make payments. I reached out to XXXX XXXX XXXX and enrolled in their program. I was told by an employee at Lendmark that they do not work with XXXX XXXX XXXX, that if I could not make payments on the loan that I would be taken to court. XXXX XXXX XXXX said that what Lendmark is telling me is false, that they do work with this company to settle debts. When I reviewed my file on XXXX XXXX website, Lendmark is listed as an account they are working to resolve. I was advised by XXXX XXXX XXXX to advise them to stop calling me or they would be reported to the FTC. Lendmark is continuing to bill me and have now resorted to trying to contact me at my place of employment. They have not offered to negotiate. I have insurance on this loan but payments are waived only under conditions of unemployment. I have been lied to and harassed.
Consumer complaint received 2023-08-29
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. (PA)

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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
Consumer complaint received 2023-12-02
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: Early Warning Services, LLC (FL)

Happy Day, I have been trying to get my information removed from Early warning as I have called and spoken with XXXX multiple times over the years as well as stopped by several branches since XX/XX/. I have spoken with the risk department, customer service, management, and collections via phone. I do not have any outstanding accounts with this company. I do not owe any money to this company. I was not able to get any documents from early warning or any other reporting agency verifying what is owed or any account information. XXXX has also stated on their recorded line they do not have my social, name, email, phone or address linked to any account. I love XXXX, however this is affecting my ability to use and maintain my actual bank as well as open other accounts. I have managed by other means as this matter has taken a back seat until recently. I was unaware I can not use my XXXX XXXX  benefits or open additional accounts as needed. All my accounts are restricted. I am only filing a complaint because I would love to get this resolved. I am only asking to be removed from early warning as I have been trying to figure out what account needs to be addressed and this has not been provided in the last 2 years which far exceeds the 30 day limit for a response, so I am bringing it here. I am led to believe this was simply a technical error, which is fine as long as it gets corrected. I need to maintain my financial health in order to maintain the health of my home. The company itself is awesome but I am kind of stuck due to this misunderstanding. My partner has recently become paralyzed due to a horrible accident, my financial situation has changed and I really need this resolved so I can support my household during this difficult time. Thank you for any assistance in this matter.
Consumer complaint received 2023-09-20
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. (CA)

15 USC 1681 Section 802 of the Fair Credit Reporting Act states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy ''. Experian is a consumer reporting agencies and I am the Consumer. I, the consumer, have the right to make sure my privacy information isn't shared which is backed by 15 USC 6801, stating, " It is the policy of the Congress that each financial institute has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers ' nonpublic personal information ''. XXXXXXXX XXXX is a financial institutions by definition under that title. Also, 15 USC 1681 Section 401 Section A ( 2 ) states, " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates ''. The financial institution XXXXXXXX XXXX and the consumer reporting agency Experian does NOT have my consent to furnish ANY information in regards to ANY items they are furnishing on my report and they surely do NOT have my written consent either. Any and all consent to Experian and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise- is REVOKED. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. I was never informed of my rights to exercise my nondisclosure options by XXXXXXXX XXXX. Not only that- 15 USC 1681c ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 ''. The XXXXXXXX XXXX  account is an adverse action account reporting without my permission- which is clearly against the law. 15 USC 1681s-2 ( A ) ( 1 ) states, " 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 ''. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at ANY time ''. This is your notice that I am opting out of ALL of your reporting services.
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: Experian Information Solutions Inc. (NY)

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 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 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MS)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-11-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (TX)

In XXXX  my stimulus direct deposit in the amount of {$4200.00} was direct deposited into a Chime bank account that was not mine. 

It is Chimes policy to reject any direct deposit where the name and social security number on the direct deposit does not match the name and social security number of the account holder. That did not happen here. Chime accepted a direct deposit sent by the IRS payable to me and me only and they deposited it into an account that was not mine. 

All i have asked them to do is to return that money to the IRS so that the IRS can redirect it to me. That is what should of occured from the get go. I have the date of the direct deposit, the account number of the account it went into and the name of the account holder but Chime repeatedly ignores my requests for them to address and resolve thier mistake. 

I have offered my complete corporation in helping them obtain whatever documentation they might need from me to no avail. 

I have emailed them countless times at XXXX point a resolution in the right direction began and my complaint was forwarded to thier escalations department but fizzled out and had to begin the process over again and again and again. 

I do not understand what is so complicated it is VERY cut and dry. 
My stimulus direct deposit was misdirected into the wrong account. This misdirection is the fault of Chime not following its own policy where they should of rejected the direct deposit due to the names and social security numbers not being a match then when the IRS received it they would of issued a paper check to the recipient who was me to the address they had on file. 

However Chime chooses to recoup thier money from the account holder who received MY money is up to them, as for me they need to do what they should of from the beginning and that is to send the money back to the IRS and let the IRS handle it from there. 

Policies are in place for a reason and when those policies are not followed you end up with issues such as this one. 
I am not even asking for Chime to be responsible for the hardship thier mistake has caused my family during such a critical financial upheaval during XXXX. All ive asked is for them to verify what i am saying, verify my identity, and do what they should of done what thier policy states they should do and be done with it. 

Please do what you do and maybe itll be the push Chime apparently needs to do what they are supposed to do. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX
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. (FL)

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ablity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (MS)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (FL)

On the Main Page of the XXXX XXXX XXXX XXXX ) it is very difficult to find the paperless statements- they should make that easier but not a big deal 2 ) I had XXXX XXXX on XX/XX/XXXX so I relied on the main page of the account home to tell me the due date to pay to avoid interest 3 ) Guess what your due date in not anywhere on the main account home page so i though I paid in time to avoid interest 4 ) Nope the statement date was 4 days after the previous due date but one would not know what if you missed it on the paperless statement which I did with good reason and I accrued interest 5 ) For such an easy fix this seems intentional to catch people dealing with life 's tragedies for some money I did let them know you should probably put the due date of your last statement on your homepage landing page ... ..seems kinda shady. XXXX seemed to not care tbh. Hopefully the west region exam team can convince them otherwise the potential of consumer harm here especially for the everyday consumer who can miss this like i did EASILY. 

I attached the home page screen shot showing 1 ) how the due date is not displayed and 2 ) how hard view statements is to see ( middle bottom hidden in the page ) - again seeming innocuous but also intentional.
Consumer complaint received 2024-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

Started complaint with Experian credit reporting agency ( Report # XXXX ) to dispute XXXX XXXX XXXX XXXX again just sending a report to credit bureaus and I have no opportunity to see final bill or check with my insurance about what was paid and what was still owing ( I have recieved nothing ) Experian refuses to request a bill from XXXX XXXXXXXX XXXX XXXX I have ABSOLUTELY nothing to go on
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.