davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

ACCORDANCE TO 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN PERMISSION TO HAVE THESE FRAUDULENT HARD INQUIRIES, UNKNOWN NAMES UNKNOWN EMPLOYERS UNKNOWN ADDRESSES UNKNOWN PHONE NUMBERS TO BE FURNISHED / REPORTING ON MY CONSUMER REPORT YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ON CONSUMERS REPORT PLEASE BE PROMPT IN YOUR DUTIES PLEASE DELETE IMMEDIATELY THX YOU IN THIS MATTER.
Consumer complaint received 2023-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WV)

I paid off my student loan balance of XXXX dollars on XX/XX/2023 to EdFinancial. I recieved a paid in full email from them also. The balance is still showing XXXX dollars on their website and on my credit report. 

I've called numerous times every week trying to get them to fix this but they always give me the runaround. They say they do not see a payment for XX/XX/XXXX but I have sent them bank statements and screenshots of where I paid on their website. I just want them to change my balance to XXXX and get the balance off my credit report.
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (WI)

Demand for Immediate Action and Compensation for Inadequate Removal of Fraudulent Account NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT *Complaint Details : * This complaint is filed against EXPERIAN for their failure to remove a fraudulent account from my credit report, despite clear evidence and multiple disputes. This failure has resulted in unnecessary emotional discomfort and financial harm.
Consumer complaint received 2024-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I have been trying to make a payment through my XXXX XXXX XXXX XXXX since XX/XX/XXXX and have just now, as of XX/XX/XXXX of XXXX show that my payment was accepted by MOHELA, however, we are now nearing the end of XXXX and no changes have been made to my statement and my statement still shows that Im past due. I have made several attempts to clarify this situation and amend it but no luck.
Consumer complaint received 2024-03-20
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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX 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 2024-03-20
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 am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-20
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX || Account # : XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2024-03-20
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-20
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. (CA)

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " 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. '' ( Furnisher of information to credit agencies ) 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 is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 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 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.
Consumer complaint received 2024-03-20
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. (FL)

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : 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 2024-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I recently reached out to XXXX XXXX XXXX after noticing a potential fraudulent account opened under my name. After reaching out the problem was never resolved nor have I heard anything back from XXXX XXXX XXXX. I explained that I have never owned this card nor did open or have access to this account and would like this removed from my credit.
Consumer complaint received 2024-03-20
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (TX)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2024-03-20
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. (FL)

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX, Whose address is XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent many requests and disputes to XXXX XXXX XXXX about the date entered in reference to an account that I opened with XXXX  XXXX in XXXX XXXX XXXXXXXX. I have requested proof of the account and disputed this account more than 5xs with experian and to no avail. They have illegally re-aged my account reporting that it was opened on XX/XX/XXXX. This is false and they have failed to correct after many requests. With this 4 3/4 year re-age gap this account would be removed from my credit account because of the 7 year law. Please assist in having this debt buyer uphold the consumer laws and fix the information being reported to the credit bureaus.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (AL)

Hello I need help with disputing XXXX credit card company I have been trying to get help on charges that are placed on my account that are not true and Im getting heavily fined for the amount of XXXX every month in late fees also interest purchase fees and regular interest fees as well also account maintenance fees every month thats additional to the regular amount thats due Im not late on the bill I found out they gave me late charges because of me not paying my bill on the XXXX of each month Instead I was paying it too early on the XXXX or XXXX of each month so therefore I got charged every month since I opened the account and thats why I could never pay it down please help me or point me in the right direction I called several times last month and now Im in this month with no help I talk with several representatives on XXXX and a supervisor who told me they would go sheet And waive the late fee for XXXX not today on XXXX XXXX at XXXX Im being told no they cant do it I was told that in XXXX if I go ahead and pay the minimum of XXXX then I wouldnt have to pay XXXX late fee if XXXX not that has changed I will never post this card off because they keep hitting me with all the hidden fees and scam charges in fees, interest Etc I also got hit with the over the limit fee because my fee and interest fees keep making my account go over the limit when Im not my credit line is XXXX with my current balance is XXXX and credit limit as of yesterday was XXXX but today XX/XX/XXXX it has miraculously changed to XXXX so they basically got me paying outlandish fees month and I havent used the card for purchase since XXXX of XXXX
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (AZ)

I had my card skimmed and cloned. On XX/XX/2018 my card was declining at a gas station and upon checking my account I saw it had been emptied. There were 5 fraudulent transactions on my account. XXXX charge for {$3.00}, an XXXX membership for XXXX, a XXXX charge for {$27.00}, and two XXXX XXXX charges, one for {$250.00} and one for {$220.00}. After calling my bank they returned the XXXX charge, and eventually the XXXX and XXXX charges. I filed a police report and cooperated with the bank to try to get my money back for the XXXX XXXX charges. They first mistakenly disputed it as billing. After almost a month they declined the dispute. Someone finally understood what I was saying after I called them back and re filed it as fraud. It is XX/XX/XXXX now and they are refusing to return the XXXX XXXX   charges.
Consumer complaint received 2024-03-20
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. (FL)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX RE XXXX XXXX acct. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit reports You are reporting a late payments .and accordance with the fair credit act first progress has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose XXXX XXXX XXXX S- XXXX : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (MD)

Notified creditor via writing that this is not my debt. Also informed creditor I never had an account with their company. Company has not responded in writing to complaints. Company continues negative reporting. Destroying my ability to obtain new credit
Consumer complaint received 2018-08-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (WA)

I was charged me undisclosed {$10.00} for a incoming international wire transfer dated XX/XX/2018. This is the second time I was charged an hidden fee by chase. Last time it happened on XX/XX/XXXX. I had contacted them without resolution. I had to file a complaint with CFPB ( XXXX ). One explanation I was given by chase customer representatives were the fee was charged by sending bank. This is a lie because 1. The sending bank is in XXXX, they charge any fee, it would be in RMB not us dollar. 2. {$10.00} is no where near what the fee sending bank charged ( about XXXX RMB ). Chase executive office response was that I'm responsible for fee but not telling me what fee item this {$10.00} was for. As premier Chase account holder, Chase charges {$0.00} fee for incoming international wire. So please tell me what fee item this is for and how it is calculated.
Consumer complaint received 2024-03-20
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. (NY)

I have followed all proper procedures in disputing these accounts. I have contacted the bank, and they confirmed the matter is resolved. I have also contacted law enforcement and filed a report and affidavit, which they have deemed valid. Additionally, I have contacted the credit reporting agencies, and both XXXX and XXXX have removed the accounts as required by law. However, Experian seems to believe I have not followed all necessary steps, which is puzzling to me. Despite submitting my claim to Experian for over six months, they continue to reject it, stating that my documents are invalid. I believe Experian is failing to meet their legal requirement to process the identity theft report. I have also reported the identity theft to a law enforcement agency and Identitytheft.gov, a federal law enforcement agency, and I request a thorough review of this case by the Consumer Financial Protection Bureau. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX