davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-06-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payment ( s ) be updated to paid on time according to these U.S. laws.
Consumer complaint received 2024-05-22
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. (TX)

Since 2019 I have been trying to get XXXXXXXX XXXX to remove their derogatory comments of non-payment from the credit report. The charges were due to identity theft and fraudulent charge activity. I provided detailed information including a sheriff 's report, a police report with the name of the police officer, factual information demonstrating that I could not have made the charges, and an FTC report. I have interacted with XXXXXXXX XXXX many times without success or resolution. 
I have requested the investigation information that XXXX XXXX  fraud investigators have accumulated under the FCRA policy, i.e. ; I am entitled to that information so that I may respond directly to the incorrect information obtained and for which the denial to remove their derogatory comment is based from my credit report. 
XXXXXXXX XXXX CEO has refused to provide that information and his representative has informed me that I would require a subpoena and letter from my lawyers. This is incorrect as I am entitled to that information, to dispute XXXX XXXX XXXX incorrect information
Consumer complaint received 2024-05-22
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. (MI)

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 Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX 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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-05-22
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. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank will not refund fraudulent transactions of unauthorized use of my debit card in another state saying the physical card and PIN were used. 

Fraudulent Transactions included : - Card Transaction, XXXX XXXX, XXXX CO XXXX XXXX - {$2600.00} - Card Transaction, XXXX XXXX, XXXX CO XXXX XXXX XXXX {$2600.00} - XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 - {$480.00} Total charges amount to {$5600.00} The transactions took place in XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Florida XXXX when I was in  XXXX XXXX, CA XXXX at work with my debit card in my presence.

Chase initially refunded the amount when the claim was filed on XX/XX/2023. But later reversed the credit and took back the amount when their investigation inaccurately concluded that the physical card and PIN were used and are calling it a legitimate transaction ( XX/XX/XXXX and XXXX, XXXX ).
Consumer complaint received 2024-06-17
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. (MN)

XXXX In accordance with the fair credit reporting act. Public law 91-506. Title v1 Provide the names and business of each individual with whom you verified the account with. Please send an updated copy of my credit report after your reinvestigation. 

the account has repeatedly been updated as charged off every month. The balance has been updated This is an update in the payment history. A charge off should not include an active payment history. This inaccurate information falsely manipulated the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following my accounts. 
XXXX XXXX
Consumer complaint received 2024-05-24
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. (GA)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-24
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. (MD)

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.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-05-24
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. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I would like to dispute the following listed hard inquiries ; I have not applied for anything since XX/XX/XXXX. Back when I applied for my auto loan. I have attempted to reach out to the companies. I am not aware of the following listed accounts. Unfortunately I have not been able to get a resolution. Please investigate an remove inaccurate information. I have been a victim of identity theft before. I have notify each credit bureau in the past. 
Ive also taken safety measures to reduce my risk. Which these companies have failed to do. I should have received a phone call to verify my identity. Before any company can have access to my credit files. 

I have attached my id & proof of my address. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DIGITAL FEDERAL CREDIT UNION (MA)

Hi XXXX XXXX XXXX XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2022 to XX/XX/2022 ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-06-17
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)

I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX bank account number XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-22
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)

To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX on my credit report. XXXX XXXX XXXX, a large company that opened on XX/XX/2024, has reported an account under my name, which I have no knowledge of and did not authorize. 

I have never had any contractual agreement or business dealings with XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you verify this collection account. XXXX XXXX XXXX must provide a copy of an original contract bearing my signature to substantiate their claim. If they are unable to produce such documentation within XXXX days, I demand that this account be deleted from my credit file immediately. 

Please consider this a formal request to initiate an investigation into this matter. I expect that you will notify me of your findings and actions taken regarding this dispute. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

On XX/XX/year>, the first date Sloan ( instead of Nelnet ) was to deduct ACH payment from my XXXX account ; Sloan failed to do so. The Sloan website showed that payment was made on XX/XX/XXXX even though it wasnt deducted from XXXX. I contacted Sloan by phone and I was told to check with XXXX as Sloan saw the loan paid ( XXXX had no record of even an attempt to deduct payment ). I followed up with an email to Sloan and received a nonsensical email response that seems automated about payments on weekends and holidays. One month later I received a noticed by mail that payment wasnt received and that my good payment/ACH benefit would be removed. I manually paid Sloan to keep my account in good standing and re-setup my auto debit. On XX/XX/XXXX, I received a letter from Sloan stating that my delay period ( deferment, forbearance, or six-month grace period ) would soon end ; I have never ever been in a delay period with Sloan. My account is in good standing, auto paid regularly on the XXXX of each month ( and have been for over a decade with Nelnet ), Sloan clearly made a deduction mistake, and I am no longer receiving the good payment/ACH benefit.
Consumer complaint received 2024-05-22
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. (PA)

FRAUDULENT ACCOUNT & INACCURATE INFORMATION 1. Truth in Lending Act ( TILA ) Purpose : TILA is designed to promote the informed use of consumer credit by requiring disclosures about terms and costs.

Violations : Failure to provide clear and accurate information about loan terms, including any arbitration clauses, can constitute a violation of TILA.

Enforcement : The Consumer Financial Protection Bureau ( CFPB ) enforces TILA, and consumers can also seek damages for violations.

2. Unfair and Deceptive Acts and Practices ( UDAP ) Laws Purpose : These state laws prohibit businesses from engaging in unfair or deceptive acts or practices.

Violations : Misrepresenting the terms of a loan agreement, hiding critical clauses, or failing to inform consumers of their rights can be considered deceptive practices.

Enforcement : State Attorneys General and consumer protection agencies typically enforce UDAP laws. Consumers may also be able to bring private lawsuits under these statutes.

3. Federal Trade Commission Act ( FTC Act ) Purpose : The FTC Act prohibits unfair or deceptive acts or practices in commerce.

Violations : Misleading consumers about the terms of a loan agreement or failing to disclose important information like arbitration clauses can be seen as deceptive practices under the FTC Act.

Enforcement : The Federal Trade Commission ( FTC ) enforces this act, and consumers can file complaints with the FTC.

4. Fair Credit Reporting Act ( FCRA ) Purpose : The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Violations : If the failure to disclose the arbitration clause leads to incorrect or fraudulent information being reported to consumer reporting agencies, this can be a violation of the FCRA.

Enforcement : The FTC and CFPB enforce the FCRA, and consumers have the right to dispute inaccurate information and seek damages for violations.

5. Contract Law Principles Misrepresentation : Under contract law, a contract can be voided if one party misrepresents a material fact that the other party relies on when entering into the contract.

Unconscionability : If a contract or clause is extremely unfair or oppressive to one party, it may be deemed unconscionable and unenforceable.

Failure of Consideration : If a party does not receive the agreed-upon terms or benefits of the contract, they may claim the contract is void due to failure of consideration.

Legal Actions and Remedies : Damages : Consumers can seek monetary compensation for any actual damages incurred due to the fraud or misrepresentation.

Rescission : Consumers may be able to rescind ( cancel ) the contract if it was entered into based on fraud or misrepresentation.

Corrective Actions : Regulatory bodies can impose fines, require corrective measures, or take other enforcement actions against the offending companies.
Consumer complaint received 2024-05-22
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. (NY)

Despite my efforts, these issues are still unresolved. Enclosed is the letter I sent to the credit bureaus. Your firm labeled my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This is a serious matter to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Provide evidence of the alleged item, such as a contract or document with my signature, or remove these items from my report immediately.
Consumer complaint received 2024-06-17
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 respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

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 2024-05-23
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 called the credit bureaus ( Equifax ) I was told I have to do FTC report because my identity was compromised because I have inaccurate things on my report that I never even associate with. Which I know because Im in a process to buy a house.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: VYSTAR CREDIT UNION (GA)

I'm a XXXX XXXX XXXX who uses XXXX XXXX XXXX XXXX for XXXX XXXX through the XXXX website, purchased as a subscription-based platform. I typically make purchases for different licenses through this subscription-based platform and I'm usually careful with what I purchase using my card. One of the monthly subscriptions overcharged me for a non-agreed amount. I initially bought it as a one-time recurring monthly amount of XXXX dollars and depending on how many people I add to this license it would then increase this amount to reflect the amount of people licensed. Unfortunately, the company decided to charge me upfront for XXXX people, when there are only XXXX people in XXXX XXXX. I have tried to rectify the situation myself but the charges went through, and contacting them directly is impossible because they do not respond. They only respond via email and refuse to work with me regarding this refund. I contacted XXXX the day of. No response or they refuse to work with me on this issue. I need a full refund, no partials or pro-rated the subscribed item was barely used.