davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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 XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (SC)

XXXX ( I already started a complaint on this matter- referenced here ) But I would like to add that I previously always received an email BEFORE a payment came out of my account, and NEVER got any notice of this upcoming payment before the payment came out as I had previously. Amex said they are investigating this but they have not cited a reason OR offered a solution. 

Had I been made aware in advance that they were going to draft {$3400.00} on XX/XX/year>XXXX  in advance, I certainly would have changed my settings on the auto payment to NOT permit this payment, I would have chosen to pay the MINIMUM DUE. The fact that I was not notified in advance that this payment would be drafted left me totally unaware that it ever was going to be drafted, leaving me overdrawn in my bank causing me to incur overdraft fees AND it would have bounced my mortgage payment if my XXXX hadnt loaned me money until it gets resolved. 

I believe the fact that I never received notice of this payment is DIRECT VIOLATION OF ( below ) ( d ) Notice of transfers varying in amount Official interpretation of 10 ( d ) Notice of Transfers Varying in Amount See interpretation of 10 ( d ) Notice of Transfers Varying in Amount in Supplement I ( XXXX ) Notice. When a preauthorized electronic fund transfer from the consumer 's account will vary in amount from the previous transfer under the same authorization or from the preauthorized amount, the designated payee or the financial institution shall send the consumer written notice of the amount and date of the transfer at least 10 days before the scheduled date of transfer.
Consumer complaint received 2024-04-03
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. (NJ)

Experian unlawfully reporting unauthorized inquiries on my credit report and is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). The inquires listed below I did not authorize. 

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 2024-07-25
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

account # XXXX XXXX XXXX XXXX " 45 days ago I ask to the credit bureau to do an investigation. they said it was verified. 
but after doing my own investigation I saw they did not. 
delete this charge off for inaccuracy because the date of last payment reports XX/XX/ on transunion, XX/XX/ on XXXX, and XX/XX/ on XXXX. 

thanks
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have been having issues with Equifax reporting my score. I have been denied applications because the credit score cant be pulled from Equifax. I called several times to have this issue fixed and it continues to happen. I can not access it on the website or XXXX XXXX.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ally Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and other accounts were opened illegally and without my knowledge or consent
Consumer complaint received 2024-04-03
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. (TX)

XXXX XXXX that have been illegally reporting to credit report have been failed to be removed from my credit report, the bureau has failed to validate the account and follow the FCRA and consumer laws protecting me from the account. XXXX XXXX is past the statue of limitations. 

15 U.S.C. Sec 1681i ( a ) can not provide proof it needs to be deleted.
Consumer complaint received 2024-04-03
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Key 2 Recovery, Inc. (OH)

Subject : Unlawful Credit Reporting and Request for Resolution Citing Ohio FCRA Identity Theft Fraud Laws Dear KEY 2 RECVRY, I am reaching out to address a serious matter involving the unauthorized reporting of information to my credit report, a clear violation as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, I am invoking the relevant Ohio FCRA identity theft fraud laws to emphasize the gravity of this situation. 

It has come to my attention that KEY 2 RECVRY has engaged in unauthorized credit reporting without obtaining my explicit consent, a direct contravention of federal law outlined in the FCRA, which explicitly mandates consumer consent under Section 1681b ( a ) ( 2 ). 

In conjunction with federal law, Ohio state law, particularly the Ohio FCRA identity theft fraud laws, reinforces the importance of consumer consent for credit reporting. This includes the protection against identity theft and fraudulent access to personal information, ensuring compliance with Ohio 's legal framework. 

I assert firmly that I have not granted consent for KEY 2 RECVRY to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially causing harm to my c

reditworthiness, and demonstrates a disregard for federal and state laws. I demand, unequivocally, that KEY 2 RECVRY immedi
ately cease any further reporting of information to my credit report without obtaining my explicit consent, in accordance with Section 1681b ( a ) ( 2 ) of the FCRA and Ohio FCRA identity theft fraud laws. Failure to comply within 30 days will be considered willful noncompliance, subject to penalties under applicable laws, including Ohio FCRA identity theft fraud laws. 

It is essential to understand that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Ohio state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and trust that KEY 2 RECVRY will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2023-11-14
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. (NJ)

I have been requesting the removal of errors on my credit report for approximately a year. The reporting companies are refusing to honor my request and delete the information. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-03
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. (VA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NC)

XX/XX/XXXX I ordered an access point from XXXX that I received an email PDF attachment bill of lading for, which would have any business person assuming product was in stock and was shipped. I find out that XXXX refunded my money, didn't send catalog either, and on XX/XX/XXXX shipped product, but didn't show on my bank account that money was refunded, yet showed new deduction of {$57.00}, and my account was overdrawn. I called PNC Bank after calling XXXX on XX/XX/XXXX when I saw an email of the overdraft fees. If PNC did correct all my fees from not alerting me if the money XXXX put back in my account, after I saw it deducted on the XX/XX/XXXX, I would have {$5.00} before SSI deposited {$750.00} into my account, including my {$40.00} withdrawal and {$6.00} purchase. Plus PNC is double charging an extra {$3.00} fee for using an outside ATM.
Consumer complaint received 2024-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (TX)

I paid one year insurance to XXXX XXXX  at closing on XXXX XXXX. Wells Fargo informed me by email on XX/XX/XXXX  that I did not have insurance! They waited one year and then forced a {$4500.00} policy onto my loan. XXXX XXXX  was not aware that the company they chose had cancelled my insurance. The check was cashed but evidently I was not covered. As soon as I received the email from Wells Fargo, I called my XXXX rep and was insured by midnight that night. Well Fargo backdated a policy and added it to my loan! I did what I was supposed to do at closing and I am being penalized for what an insurance company did with my money. So now I am paying {$7500.00} for a XXXX sq.ft. house!!!! 
I am a widow on social securtiy and this maneuver by Wells Fargo has to be illegal! I am being penalized and I did nothing wrong. My mortgage balance is now more than I originally borrowed! My mortgage payment went from {$1600.00} per month to almost {$1900.00}! I just looked at my account and now it went up agin for XXXX to {$2000.00}!
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

On XXXX an account was opened in my name from XXXX XXXX XXXX XXXX Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX, with a open balance of {$640.00}. Iam starting this claim to have this account disputed and removed from my credit.
Consumer complaint received 2024-09-22
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: BARCLAYS BANK DELAWARE (IL)

I submitted a complaint on XX/XX/year> about an unauthorized credit pull. Complaint # XXXX. XXXX XXXX replied with a letter that it would remove the credit pull from my credit history. The credit pull still remains to this day. XXXX failed to keep its word and remove the credit pull.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (MI)

I believe the servicing of my mortgage has been handled improperly, with several violations which could be illegal. 
Payments have been posted late, after the late charge date in spite of the payment being mailed with enough advance to ensure it reached PHH on time. I have complained in the past about this but always get the run-around. 
Payments sent were rejected by PHH and not applied, and were returned. 


Summary of events : XX/XX/XXXX : Due to several XXXX I requested a forbearance, which was granted, for payments due XXXX, XXXX and XXXX. 
The agreements atated the next payment due would be XX/XX/XXXX with the total amount due of {$1500.00} XX/XX/XXXX : Received the statment due for XX/XX/XXXX, with the payment amount due of {$1500.00}, which includeds a {$10.00} late charge, even though the statement states the late fee is {$6.00}. I thought one of the points of a forebearance meant there would be no late fee 's. 
I sent 4 money orders to make the total payment of {$1500.00}. ( Note : The business I purchase money orders from has a maximum amount of {$500.00} per money order. ) Money order # XXXX -- {$500.00} Money order # XXXX -- {$500.00} Money order # XXXX -- {$500.00} Money order # XXXX -- {$20.00} XX/XX/XXXX I received a Notice of Default letter dated XX/XX/XXXX stating the next payment due was XX/XX/XXXX, and the total amount due was {$100000.00}, which included another {$10.00} late charge. 
I immediately called PHH to question why I received the notice of default since I had mailed in the total amount due. I was told that PHH could only handle one payment at a time so the other three money orders were not applied and would be returned.. This is a complete abuse of the system. To not accept legitimate forms of payment is illegal. 
I received the statment for the payment due XX/XX/XXXX, the total amount due of {$1500.00}, which includeds a {$10.00} outstanding late charge and an assessed expense amount of {$20.00}. The statement shows a suspense balance of {$140.00}. 
- My guess is that PHH applied one money order of {$500.00} leaving a balance of {$120.00}, yet suspense shows a balance of {$140.00}. 
- Did they apply XXXXXXXX XXXX from the 4th money order of {$20.00} to suspense, which completely refutes their statement of only allowing one payment to be processed, and if so what happened to the remaining XXXX cents? 
I mailed in another payment for XXXX, and accoding to the XXXX statment it has not been applied. 

I am now being threatened with foreclosure. 

The bottom line is I am currently out over {$1000.00} and racking up late charges and fees by the day due to the criminal mis-handling of my mortgage by PHH. I would very much like to know what recourse I have.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC (MD)

I owe about XXXX in debt to the XXXX XXXX XXXX XXXX which is under the XXXX XXXX XXXX XXXX XXXX, they turn the debt over to Trans World Sytems Inc they are saying I have to pay them XXXX extra dollars on the debt because they turn it over to them, at a rate of XXXX Interest until I pay off the debt. They sent me a letter saying that if I don't satisfy this debt that they will began taking payments out of my Social Security benefit payments, I also told them that I could pay them XXXX a month on the debt, and they said it would take me 30 years to pay off the debt at 23.9 percent interest, they told me I would have to pay a minimum of XXXX a month for 36 months, I also called the XXXX XXXX XXXX and told them that I could pay on the card they gave me, but they said they turned the account over to collections and they would not be able to accept no payments from me on the card,
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.