davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
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. (PA)

XXXX XXXX XXXX  to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a 1099-c a cancellation of debt irs form , due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! 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 consumer 's right to privacy. XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. 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.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. 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. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Violating the privacy act of 1974! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit limit {$700.00} high balance {$1100.00} date opened XX/XX/XXXX
Consumer complaint received 2024-04-03
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. (NJ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX have 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 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 inaccurate.
Consumer complaint received 2024-04-03
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. (NC)

I sent a letter to XXXX XXXX and Experian back on XX/XX/2023 to remove the account with XXXX XXXX XXXX XXXX from my account if they could not provide validation of the account ( contract with my wet ink signature on it ). They never responded to me. There is a social security number showing on my credit file ending in XXXX that does not belong to me. It is obvious that you guys have me mixed up with someone else with a name similar to mines.
Consumer complaint received 2023-12-10
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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 reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-10
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. (PA)

XXXX XXXX Bank to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a XXXX a cancellation of debt irs form XXXX due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! 
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 consumer 's right to privacy. XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. 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.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. 
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.

The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! 

XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services. 

Violating the privacy act of 1974!
Consumer complaint received 2023-12-05
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. (TX)

last month when i applied for a mortgage at XXXX XXXX XXXX i was made aware that i owe XXXX XXXX  XXXX 2 credit cards that i didnt open. they indicated that i was a victim of identity theft and that i should file a complaint.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

I paid my full Target store credit card balance ( XX/XX/2022 ) via bill pay from my XXXX XXXXXXXX XXXX checking account. Targets credit card servicer, TD bank cashed the check and has accused me of not paying the bill. I have spent hours on multiple phone calls with them over the course of 5 months with no result. Twice I have gotten them on the phone with XXXX XXXX  XXXX, who confirmed that TD bank cashed the check and the bill was payed. At this point, this is fraud and extortion. I have no recourse other than hiring a lawyer which would cost more than the bill they are claiming I havent paid ( {$380.00} ). I have received multiple letters saying my claim is denied, despite sending scans of the transmittal from the bank and having my bank directly fax them the documents. This company XXXX TD Bank XXXX, is committing fraud and theft while posing as a legitimate, accredited financial institution, and I am being relentlessly harrassed by them for a bill that I paid. This is blatant theft and there should be consequences.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (MN)

I reported an unauthorized charge, for {$140.00} from XXXX. XXXX confirmed there was unauthorized activity in my account and suppressed the charge, indicated I just need to have the XXXX  submit a chargeback dispute, and I provided all this to XXXX, the banking app. This should mean case resolved credit me and recover the funds simply by the process. This was reported XX/XX/XXXX the charge occurred XX/XX/XXXX, they are claiming I made my first deposit on XX/XX/XXXX. So they claim, that since the reported charge occurred within thirty days of making that deposit, even though this account had been open longer than that, they have 20 days to conduct an unnecessary investigation when the offender XXXX has already admitted to the intrusion, but won't issue refund but will honor a charge back. So now I have been shorted this money since XX/XX/XXXX, reported it within the 60 day time frame, and provide sufficient evidence of the fact the activity was not authorized. I'm told I must wait until XX/XX/XXXX for a decision on provisional credit, I say that's XXXX, I believe the moment XXXX admitted the unauthorized activity, that would reasonably be the date the investigation is complete, and an error has occurred, meaning they were obligated to deposit the funds within 1 business day of the error being confirmed, as per Reg E. There delay to investigate an admitted act and at the same time suspending my account is harmful to the consumer me. I now am unable to have my {$2100.00} expected student loan disbursement deposited on XX/XX/XXXX, due to their unreasonable and non-compliant conduct. The account only got suspended following my citing reg E guidelines, which is really shady on their part. The impression I am getting is this is an attempt to bully me into submitting to their walking all over me in some sick power trip cause they control my access to funds I am rightfully due back in immediate relief. They have yet to even initiate the charge back or anything, they are Investigating what, they have the XXXX email that admitted the unauthorized activity and instructions to have the XXXX dispute and charge it back. The only reasons I can fathom for the unnecessary delay is either they can't afford to the {$140.00}, or they are seeking a means to deny me the recovery of funds used to order something to Iowa, when I live in Minnesota, and have no reason to have something shipped to Iowa. This should be a clear violation of regulations and abuse of the consumer, I did all the work to collect evidence including a direct admission from the merchant. And now they are twisting the terms of the regulation to further harm their own customer for asking for their aide and fair treatment, and further sanctioned for notifying them of the Intent to do just this and report them.
Consumer complaint received 2024-04-03
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)

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and ABSOLUTELY DID NOT open these accounts. I kindly ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute. Attached is my Federal Trade Commissions identity theft affidavit. Please remove these items as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent Accounts : 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/year>
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to the XXXX and TransUnion Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (SC)

I have tried several times contacting Bullcity Financial to validate the debt that they are saying I own. I never signed any contacts with this company or any utility company to begin with. I told them I was a victim of fraud. I took the all the steps I needed to prove my side and have just been ignored. I even went as far as proving that I wasnt living at the address at the time of the service. I DID not authorize it. Ive contacted all 3 of the credit bureaus and Im not getting anywhere. They are all acting like I have not been writing letters and trying to clear my name. Next is a lawsuit
Consumer complaint received 2023-12-10
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)

I was reviewing my Experian credit report and seen some inaccuracies on my credit report. On XX/XX/2023 I discovered that the creditor : XXXX XXXX Account # XXXX, has been reinserted into my credit report after being permanently removed in XX/XX/2023. If it was permanently removed, how was it able to be reinserted? You are also required to notify me within five ( 5 ) days of reinserting a previously deleted item. I did NOT receive any such notification. You have emphasized that you will no longer investigate my dispute related to this account. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Experian has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intent to litigate if this account is not DELETED from my credit report. You have failed to conduct a due diligence and maximum accuracy investigation. I am requesting to be provided with the written contract bearing my signature and physical documentation to support the information that is being reported on my credit report via USPS mail. This account is not mines. This is a fraudulent account that is a result of identity theft. I have provided Experian with a copy of my identity theft report and it was completely ignored.
Consumer complaint received 2023-12-23
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (LA)

On XXXX the XXXX 2023 XXXX XXXX my boyfriend 's sister stole my card she stole {$10.00}, XXXX off my card I was trying to get the card to put me my money back they will not do anything they sent me a letter today that said that there concluded that there was fraud but there was no error so they will not give me my money back what do I do this was my life savings for me and my son I am going through XXXX XXXX I've been XXXX since I was XXXX XXXX XXXX that was all I had to my name I trusted the XXXX to have my money safe
Consumer complaint received 2023-02-15
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: Convergent Resources, Inc. (TX)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Consumer complaint received 2023-12-10
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)

I DEMAND ALL NEGATIVE, DEROGATORY ITEMS, MEDICAL DEBT AND LATE PAYMENTS DELETED IMMEDIATELY FROM MY CONSUMER REPORT ( 18usc 1341 Frauds and Swindles ) Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than XXXX XXXX or imprisoned not more than 30 years, or both.
Consumer complaint received 2023-12-10
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)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired On XX/XX/XXXX XXXX XXXXXXXX Inquired On XX/XX/XXXX
Consumer complaint received 2023-12-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2021 in the amount of XXXX. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX, XXXX before in my life.
Consumer complaint received 2023-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc. (TX)

I have requested to cancel our {$41.00} monthly PMI due to reaching 80 % of the original value of the property based on my closing documents. They are refusing to remove it and emails and requests were sent on XX/XX/23 through today, even though I have provided them with all of the supporting documentation.