davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. (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 Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX 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 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 accurate.
Consumer complaint received 2024-05-08
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. (GA)

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There is a fraudulent account on my consumer report that I am highly displeased with. As I was trying to get a home for my family I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of an XXXX breach, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health. Now I do not have access to get a house. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

A charge of {$490.00} was taken out of my account from an online cybersecurity school ironically! I didn't even know what this was until it showed u on my banking account! I called my back as soon as it was on there to see if they could stop the transaction they were like no it's pending what?? Never got a fraud notice from the back because of a large abound which they definitely should have and I even have an alert for anything over XXXX to text me nope didn't get anything from them. I called the online school which sounds shady because I have called twice and both times I have gotten XXXX is the persons name said he put the note to his boss! The online school is XXXX just want my money back! Plus o told the gentleman from the bank do not charge me an overdraft fee because my account is low and they did! The bank investigation came up with I was browsing on my phones d must have signed u for it that way! Never saw the online school ever! I need my money I can't even get back to my job because I don't have gas money and during XXXX!!
Consumer complaint received 2024-05-08
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. (MN)

( 1 ) Fair and accurate credit reporting is essential to the financial system, according to the FCRA. Inaccurate credit reports cut banking efficiency, and unjust credit reporting undermines public confidence, which is vital to banking. 

Thus, FCRA violations reduce banking efficiency. I control what goes on my consumer report, so this violates my privacy. Identity theft occurs when accounts are reported without my written approval. 

This violates 15 USC 1681b ( 2 ) and 1681c-2. This makes the credit reporting agency liable for negligence and willful noncompliance under 15 U.S. Code 1681n, which permits {$1000.00} per violation for accounts listed without my written agreement.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/23 a check was deposited written from XXXX XXXX in the amount of {$9000.00} check number XXXX. 
Chase location XXXX XXXX XXXX XXXX. XXXX XXXX MO. The funds were on hold until Friday XX/XX/23. At that time when I attempted to make a withdrawal, I was informed the account was flagged and no funds could be released. After contacting Chase customer service department speaking with multiple representatives, & Supervisors I was told that XXXX XXXX signature needed to be present. 
I gave Chase Supervisors at least 3 different numbers for XXXX XXXX and I was told that none of the three were verifiable so they could not release the funds. The other option I was given was to contact XXXX XXXX to have the check recalled and they said they couldnt recall the check. So the funds are still on hold, and the accounts is now closed again after I was told that that had enough information to release the funds.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

My account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXX and XXXX - XXXX. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-09-18
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: Synovus Bank (AR)

unsure about the dates, but I have been talking to all 3 of the Bureau XXXX, XXXX, and XXXX constantly for the last several time about this. And trying to depute it online about this. And no reply! Now have all 3 BureaXXXX freeze, because different companies running my credit without my approval or they will tell me that it's a soft pull. and when I check my credit report, It pull my score down to XXXX to XXXX points. So now I have all 3 of my Credit Bureau freeze.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. " I am not requesting the verification or validation of any of these accounts. The accounts that are enumerated MUST be deleted. I am requesting that the credit reporting agency adhere to fair and equitable practices. I will file a complaint for default judgment on minor claims as a result of your violations. The credit reporting agency is required to remove any account that I identify as alleged identity theft in accordance with 15 U.S. Code 1681c-2. The accounts that must be removed are as follows. I am expressing my dissatisfaction with the contents of the attached file.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DE)

I have tried to contact this company multiple times to resolve this debt and they have been ignoring my calls, letters. I need to be able to something sent from this company to be able to pay the balance.
Consumer complaint received 2024-05-08
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. (WI)

I am writing to dispute the accuracy of the information on my credit report that was recently obtained without my consent. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to your agency. 
Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history.

I request that you investigate this matter further and provide me with documentation proving that I gave consent for the credit report to be conducted. If you are unable to provide such documentation, I ask that you remove the erroneous information from my credit report immediately.
Consumer complaint received 2024-05-08
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I tried to request a deletion to my negative accounts on my credit report its been 7 years, they havent processed it yet, one of the account been paid off they updated the account as paid less than full balanced wish is falls information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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. (TX)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-05-08
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-08
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)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-05-08
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. (DC)

I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-08-05
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. (PA)

Recently checking my credit report that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, Please remove the fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Consumer complaint received 2024-05-08
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: Experian Information Solutions Inc. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-22
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CO)

I recently shopped at XXXX XXXX XXXX and took advantage of their XXXX % financing for XXXX  months offer. This financing offer was facilitated by a Wells Fargo credit card. I set up an online account to pay my bills and noticed the payment options were either a minimum or statement balance. The statement balance was the full price of the purchase. The minimum was about XXXX % of what payment XXXX of XXXX should have been. I set up autopay for the legitimate payment amount and set up a second individual payment because their autopay skips the first due payment ( XXXX, today is XX/XX/21 ) for some incredibly shady reason. I do not personally have a problem that needs solving. 

Wells Fargo is abusing their app configuration to commit fraud against their customers. By falsely representing the minimum payment required to fulfill the loan, they encourage customers to fail to pay the balance within the allotted time and accrue heavy interest penalties. This follows a long pattern of fraud and abuse with Wells Fargo and it should be investigated by a governing body.
Consumer complaint received 2024-08-05
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)

I became aware of my identity theft in some time in XXXX. I saw various accounts opened under my name. I plan on disputing these accounts and sending this report to the three major credit bureaus. I have no association with these accounts or had any knowledge of them being opened until XX/XX/2024. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, XXXX XXXX