davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

Chase Bank-i had XXXX and I am the sole owner of checking account ending in XXXX, my daughter transferred the XXXX without my authorization to joint account i have with her ending in XXXX, and then moved the money to a different bank. 

Chase refused to take action
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANKMOBILE TECHNOLOGIES, INC (MA)

XXXX XXXX ( a division of Customers Bank ) restricts online access to customers accounts when a customer is temporarily located outside of the United States XXXX 

XXXX XXXX does not provide any information on its website displayed to consumers outside of the United States on how to contact XXXX XXXX. The website only states " Please contact support '' and nothing else when consumers attempt to access their accounts at XXXX XXXX outside of the US.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MO)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-01-01
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Months ago, I have sent a letter to the three credit bureausasking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly remove these ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES (TX)

I have a consolidation loan in normal repayment with loan servicer Great Lakes XXXX XXXX XXXX XXXX XXXX. I 've paid ahead on the level repayment plan, more than twice the minimum payment due each month, since loan inception. 
I have an automatic payment setup with direct draft from my checking account and this method has been in place as long this account has been in repayment. As a result I 've been entitled to an interest rate reduction of .025 % APR. 
In XX/XX/XXXX 2017 I had to change the payment date on this automatic draft and I was directed to suspend the automatic payment as the only way to achieve this outcome. I made the minimum payment due for XX/XX/XXXX and changed the withdraw date ( changed from the XX/XX/XXXX of each calendar month to the XX/XX/XXXX ) one week later than it had been, previously. 
Due to the suspension of automatic payment, which was resumed for the next month 's repayment, I lost the .025 % apr interest rate reduction. 
Automatic payments were resumed less than a week after the initial contact made to change the date of withdraw. The loan servicer has not confirmed the discounted interest rate has been reinstated after re enrolling in automatic repayments.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (FL)

On XX/XX/2023, XXXX : I submitted the enclosed disputes regarding my federal student loans through XXXX. The dispute was sent to Experian, XXXX, and XXXX. I have been in the process of purchasing a new home and my loans went through the Fresh Start program. As per the two conversations that I had directly with the Department of Education, I was told that all negative information that was previously reported would be removed. The disputes were specific to each bureau. XXXX decided not to pursue the disputes. Instead, I received a letter dated XX/XX/2023, with contradictory wording. It starts off by stating that after a careful review of my account, a determination was made that no adjustments are needed. The reason provided was because of an incomplete or invalid dispute. This was followed by claiming that under the FCRA a data provider doesnt need to investigate disputes received directly from consumers. For starters, the dispute came directly from the bureaus. Furthermore, the results should have also come back from the three bureaus. That never happened. Just a form letter from someone who didnt take the time to review the disputes. 
XXXX, EXPERIAN, & XXXX The attached response from XXXX indicates that you didn't provide the information listed in my individualized dispute sent to all three bureaus. You too share a part in the blame for my credit reporting incorrectly.
Consumer complaint received 2023-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (KY)

this company asking for money for my utilities and i don't do business or heard of this company ever in XXXX XXXX in the Amount of {$140.00}. I don't owe them XXXX  XXXX.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items 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 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 2024-03-19
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. (NV)

On XX/XX/2024 I've filled out an FTC report to Experian explaining that there is items on my credit report that I did not authorized the companies are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and two hard inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/2024 I called Experian fraud department to get those item off my report. I experienced that same day that the inquires for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all came off my credit around XXXX XXXX. the same day those I listed inquiries gotten removed but not XXXX XXXX XXXX XXXX did not come off and in the attachments I have a durable power attorney that legally give me full control of any and all consumer reports and I'm demanding the rest of what was on my FTC report to be removed! The reference number for the FTC report is XXXX it will be provided as well alongside with my updated credit report and my durable power attorney. Since the inquiries gotten removed those accounts need to be taken off!
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2023-03-30
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$500.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXXXXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (AL)

I did not authorize or consent to this account being opened. I have no knowledge of this account nor did I use it for myself. I did not approve any charges or apply to it being opened. I have asked to have it removed as fraud and for all derogatory comments and remarks to be removed. I have not had success trying to get this resolved or removed. It is ruining my credit. Please remove account and all related negative reporting from all credit reports.
Consumer complaint received 2024-03-19
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)

XXXX XXXX XXXX XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please remove this account from my credit report immediately.
Consumer complaint received 2024-03-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I requested on numerous occasions for documentation on this debt. I requested signed documents. They will not respond to me, they respond to my girlfriend and sent her a settlement letter, no signed documentation. 

This is effecting my ability to lease a home or apartment. I am asking that this debt be deleted from all 3 major credit bureaus, XXXX, XXXX, and XXXX. The XXXX collector is unable to provide any kind of proof that this debt is valid. I have no validation of this debt.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 2023-10-15
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. (UT)

I AM DEMANDING TO SEE THE PAPERWORK FOR THE " LENDER '' WHO THIS CHARGED OFF 7+ YEAR OLD ACCOUNT WAS SOLD TO! I HAVE NO RECORDS OF ANY LENDER BUYING THIS ACCOUNT. THEY SOLD IT TO A COLLECTION COMPANY YEARS AGO THAT SOLD IT BACK TO XXXX BECAUSE THEY DID NOT WANT TO GET INVOLVED IN POTENTIAL LEGAL BATTLE OVER XXXX XXXX INEPTNESS IN RESOLVING PROBLEMS WITH THEIR STATEMENTS AND INABILITY TO PROPERLY INVESTIGATE THEIR OWN STATEMENT ERRORS.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

BofA accepted payment to a closed credit card account and will not refund the credit. 

We have called customer service and all representatives said the account had been closed and that we would get a refund within 10 days. 

The online statement shows that BofA has not closed the account.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (KY)

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-03-19
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 am writing to you once again regarding the unresolved dispute concerning several erroneous credit collection accounts on my credit report. Despite my previous efforts to rectify this matter, the accounts listed under the following numbers : XXXX Account Number # XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX  Account Number : XXXX, and XXXX Account Number : XXXX that I was only a authorized user on should not be on my report XXXX XXXX account I was only an authorized user on should not be remain on my report, in direct violation of federal laws and regulations. 

I have previously referenced these disputes under # XXXX and # XXXX. As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 section 602a, consumer reporting agencies are mandated to uphold their responsibilities with fairness, impartiality, and utmost regard for the consumers right to privacy. Moreover, 15 USC 6801 reaffirms Congresss policy that financial institutions must respect customer privacy, including the non-disclosure of nonpublic personal information to non-affiliated third parties, as stated in 15 USC 6802 ( b ) ( c ). 

Furthermore, 15 USC 1681A ( i ) stipulates that consumer reports must exclude reporting transactions without the explicit written consent of the relevant consumer. XXXX, XXXX, and Experian currently lack my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish this information. This withdrawal of consent is explicitly asserted. 

Moreover, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include adverse information in a consumer report without authorization. The re-reporting of these accounts without my permission constitutes an adverse item, thus contravening the Act. 

I am once again demanding the immediate removal of these erroneous accounts from my credit report. Failure to comply with this request will leave me no choice but to pursue legal action against XXXX, XXXX, and Experian for the violation of federal laws, including the FCRA and other relevant statutes. 

Additionally, if these accounts are not removed promptly, I will have no option but to file a report of identity theft against credit bureaus as the inclusion of nonpublic information that was never authorized for display constitutes a serious breach of privacy. 

I trust that you will take prompt and decisive action to rectify this matter and restore the accuracy of my credit report. I look forward to your swift response and resolution of this issue.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the FCRA this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction. 

This account is not mine. XXXX  has stolen my identity by taking it from another company. I have no agreement with them nor have I ever contracted with them. They have been using extortion to threaten me into paying them money that I do not owe. 

I sent them a letter demanding that they also stop reporting this to CRA 's and they continue to do so.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-03-19
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. (NY)

FRAUDULENT INQUIRIES WAS DONE ON MY REPORT AS WELL AS A CREDIT CARD : XXXX INQUIRY : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX EXPERIAN XXXX : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX DATE OPEN XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have paid in full an XXXX XXXX account # XXXX credit card on my credit. I paid over the phone 2 years ago and was told by the representative the account would be completely removed from my credit after payment in full. We had a verbal pay to delete agreement. However, I checked my credit report today and this account is on my credit. I called XXXX XXXX customer service today the representative told me the matter would be resolved and transferred me. I have not got ahold of another representative. This should be removed from my credit report immediately. This is breach of contract and if it is not removed as promised, I will sue XXXX XXXX. 

Under Texas law, [ t ] he essential elements of a breach of contract action are : ( 1 ) the existence of a valid contract ; ( 2 ) performance or tendered performance by the plaintiff ; ( 3 ) breach of the contract by the defendant; and ( 4 ) damages sustained by the plaintiff as a result of the breach. ( Smith Int'l. , Inc. v. Egle Group , LLC, 490 F.3d 380, 387 ( 5th Cir.2007 ) ; Tyler v. Citi-Residential Lending Inc., 812 F.Supp.2d 784 ( N.D. Tex. 2011 ). ) This applies regardless of whether the agreement was written or done orally.