davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-04
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-04
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (NV)

I am writing to formally file a complaint against Freedom Mortgage XXXX for their failure to accurately process my XXXX mortgage payment. 

On XX/XX/XXXX, at XXXX PM, I made my monthly mortgage payment through Freedom Mortgage 's online portal. Despite making the payment before the end of the month, their system erroneously recorded it as being made on XX/XX/XXXX. 

I promptly contacted Freedom Mortgage 's customer service department on XX/XX/XXXX to address this issue. I spoke with multiple representatives, including XXXX, XXXX, XXXX, and was escalated to XXXX, XXXX all insisted that the payment was not made in the month of XXXX, but it was. 

Despite the clear evidence and multiple confirmations, Freedom Mortgage has refused to acknowledge that the payment was made on the correct date. They are now threatening to report a 30-day late payment on my credit report, which will have a significant negative impact on my credit score. 

Furthermore, Freedom Mortgage is also reporting rolling 60-day lates from XX/XX/XXXX, to XX/XX/XXXX. This inaccurate reporting is causing me extreme stress and frustration. 

I believe that Freedom Mortgage 's actions are a clear violation of consumer protection laws. I request that the CFPB investigate this matter and take appropriate action to hold Freedom Mortgage accountable for their misconduct. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$950.00}
Consumer complaint received 2022-05-06
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: ALLY FINANCIAL INC. (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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. 
XXXX XXXX 2021- XXXX XXXX 2021. I submitted over five payments and they were all sent back from the bank. amount {$510.00} was reported late when it wasn't by XXXX XXXX  bank XXXX. I made multiple payments. I called daily I have claim numbers as well when I called .XXXX my late fee 's were deleted because the payments were made on time.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPOTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

On XXXX XXXXXX/XX/XXXX at about XXXX XXXX XXXX, someone logged into the business bank account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, held at Chase Bank XXXX and stole {$38000.00}. This was done via a wire transfer of {$19000.00} and four ACH debits, each of just under {$5000.00}. See screenshot below. The four ACH debits were all XXXX XXXX payments. All five transactions were to individuals that I do not know and have no association with me or the business. The first time I found out about these transactions was at about XXXX, when I received an email from Chase bank, notifying me that the wire had successfully been sent. 
I called and reported the fraudulent transactions to Chase immediately after receiving the email. 
I saw that a second wire of approximately {$18000.00} had been attempted and blocked by Chase, along with two ACH debits, of {$4000.00} and {$4500.00}, which were also blocked. This means that Chase did recognize the activity as fraudulent, but did not act quickly enough to prevent the money from being stolen. 
I changed my login and password immediately after speaking with Chase on the phone. 
When I logged on my computer the morning of the incident, but before the crime occurred, when I logged on at chase.com, there was an unexpected delay in the logon process. I received the message new device attestation ( or something very similar ) while I was logging on. I had never had this happen before. It struck me as odd. 
I filed a report with XXXX and the XXXX Police Department on XX/XX/XXXX I am the only person with access to the bank account. 
I did not give my password or login to anyone. 
I requested for the XXXX ID of the device that was used to log on to the business bank account on XX/XX/year>, but was told that this can only be given out via subpoena. 
Friday XX/XX/XXXX, told that the wire inquiry was being closed. I asked for it to be re-opened, but this request was denied. The reason given was that the XXXX time use passcodes that were sent on XX/XX/XXXX were sent to my phone. 
On XX/XX/XXXX, I discovered that a second, unknown phone number had been added to my online banking profile. This phone number ends in XXXX. I did not add it and I dont know who this phone number belongs to. I dont know when it was added. 
I discovered on Wednesday, XX/XX/XXXX that when you call my phone, and my phone is unavailable ( out of service or on an active call ) the voicemail message this comes up is completely different from my normal voicemail greeting. It is for someone called XXXX XXXX. I do not know anyone named XXXX XXXX. 
On Friday, XX/XX/XXXX, I requested that the case be escalated, via the local Chase branch XXXX, XXXX XXXX. 
As of XX/XX/XXXX ( XXXX business days after the incident ) I have not heard anything else back from Chase.
Consumer complaint received 2024-05-03
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)

XXXX XXXX XXXX Reporting inaccurate information.

19 Negative months reporting 19 30 days late. ( inaccurate ) ( invalid ) Opened : XX/XX/XXXX Balance : {$19000.00} unverifiable information 15 USC 1666b remove inaccuracy False report Not valid information is not valid through FCRA 15 USC 1681i ( 5 ) ( a ) ( i ) ( ii ) XXXX XXXX XXXXXXXX Balance : {$160.00} Date opened : XX/XX/XXXX, XXXXStatus Collection account. {$160.00} past due as of XXXX XXXX. 
False report and misleading representation, this is not my collection or have I signed any contract. 

XXXX XXXX XXXX Balance : {$380.00} Date opened XX/XX/XXXX Collection account. {$380.00} past due as of XXXX XXXX. 
False and misleading representation, this is not my collection or have I signed any contract.

There are inaccurate information that experian is reporting that is not my personal information. there should only be one name reporting to the credit bureaus please remove them.
Consumer complaint received 2024-05-04
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. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-01
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: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX, I mailed a dispute letter to NAVY FEDERAL CREDIT UNION, requesting an investigation into inaccurate items on my credit report. The account in question is reported inaccurately and with incomplete information. Specifically, I requested NAVY FEDERAL CREDIT UNION provide the following details : - The due date of each payment. 
- The exact amount due for each payment. 
- The date when NAVY FEDERAL CREDIT UNION received each payment. 
- The amount received for each payment. 

Despite my clear and thorough request, I have not received any response from NAVY FEDERAL CREDIT UNION. According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item in their file, the creditor must conduct a reasonable reinvestigation to determine if the disputed information is inaccurate. 

It appears that NAVY FEDERAL CREDIT UNION has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors ensure the accuracy and completeness of information in consumer credit reports.

I request the CFPBs intervention to ensure that NAVY FEDERAL CREDIT UNION complies with its legal obligations and conducts a thorough investigation. Additionally, I seek assurance that the inaccurate information on my credit report will be corrected. Currently, NAVY FEDERAL CREDIT UNION is reporting a XXXX late payment for XX/XX/XXXX on XXXX and XXXX, XXXX XXXX shows this payment was made on time.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I opened a XXXX XXXX account on XX/XX/2012. The account is now XXXX XXXX XXXX and by law it should have been removed from my credit report. I request that this item be removed from my XXXX, XXXX and Equifax credit reports. 

Every time I dispute this account XXXX updates my account to a current date and they keep doing this to illegally keep this XXXX year debt on my credit report even though I have made no action on this account in years other than trying to dispute it. 

I want it removed asap or I will take legal action with this creditor.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion is reporting incorrectly that I am 120 days past due on XXXX XXXX CU partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened a checking and saving accounts around XX/XX/2018 with Citi bank under the promotion of {$400.00} bonus with $ XXXX deposit for 2 months. I met all the requirements and confirmed by one of the representative on the online chat and confirmed that I should get the bonus by XX/XX/2018. The bonus was not posted as promised and filed a dispute. The case came back with reason that the saving account was closed which I did NOT initiate the closure of this saving account. And also at the time of the promotion in XX/XX/2018, there was no such a language that both checking and saving accounts need to be opened for the bonus to be posted. It seems like Citi has the  agenda of finding all kind of accuses NOT to pay the bonus while keeping customer 's $ XXXX for 2 months.
Consumer complaint received 2024-05-04
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. (TX)

PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-05-03
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. (TN)

I am writing to inform you that I have items on my consumer report that are a result of identity theft and not made by a transaction related to me. I never gave written consent for the following companies to furnish this information on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
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)

i was a victim of identity theft. These accounts do not belong to me. and i have no knowledge of them. i have filed an official report that i will attach. i have also filed complaints with all companies and parties involved. Also attached is all current and up to date information Following accounts not Mine : XXXX XXXX Account number : XXXX Date opened XX/XX/XXXX Highest balance {$11000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Highest balance : $ XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account XXXX XXXX Account number : XXXX Date openedXX/XX/XXXX Past due amount {$1000.00}
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2019-01-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (CO)

I TRIED TO SETTLE A DEBT WITH XXXX XXXX BECAUSE THEY PUT NEGATIVE INFORMATION ON MY CREDIT REPORT AND I WAS NEVER NOTIFIED ABOUT THE DEBT IN THE 1ST PLACE. I AM XXXX MILITARY AND THIS IS AFFECTING MY LIFE. THE REP TOLD ME IF I SETTLED THEY WOULD NOT REMOVE THE INFORMATION
Consumer complaint received 2024-05-02
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. (CT)

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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX please 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 2024-05-03
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. (PA)

I was looking at my credit report back on XX/XX/2023 and noticed that things were incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. Theyre breaking Federal Law!

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681e ( b ) i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency ( I ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ( ii ) the information is in fact, inaccurate.

This is unfair and if theyre doing this to me imagine who else theyre doing this to. Can you please fix this problem.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

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 2023-10-20
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. (CA)

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.