davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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.

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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

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 2023-10-19
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. (LA)

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.

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 inructions 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ACCEPTANCE NOW I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-19
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Enhanced Recovery I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I wish to stress that I have no association with these creditors, and I did not instigate this inquiry on my credit report. I urgently beseech you to take immediate steps to remove it without any additional delay. I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-10-19
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Enhanced Recovery I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have unauthorized accounts on my consumer report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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. (AL)

I sent a letter requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX XXXXXXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Avid Acceptance, LLC (IN)

I have requested to refinance. They state to go to a car dealership any to request. Also if I am 1 day late well within 30 days they will call me 5+ times a day different agents and place fees on there before 30 days has past and email me over and over.
Consumer complaint received 2022-12-08
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. (NC)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$17000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX
Consumer complaint received 2024-03-14
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

i filed a dispute because XXXX XXXX reported that my account is still in foreclosure or foreclosure was initiated. the account was paid in full and should be reported as such. the house was sold in XXXX and the mortgage company verified the debt was paid in full so they should report it to the credit bureau as paid in full
Consumer complaint received 2020-04-15
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$3200.00}
Consumer complaint received 2018-05-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

After sending information to verify myself with my disputes, including their internal file number XXXX, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX   and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know many other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i filed a dispute because XXXX XXXX  reported that my account is still in foreclosure or foreclosure was initiated. the account was paid in full and should be reported as such. the house was sold in XXXX and the mortgage company verified the debt was paid in full so they should report it to the credit bureau as paid in full
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 I received a notice letter ( dated XX/XX/2023 ) from Chase that they are closing my personal checking bank account.

I understand that Chase has the right to end their relationship with any client at any given time. However, I am really surprised by the notice letter being that chase is kind of giving a reason which does not apply to me for closing my personal checking account. The reason stated in the notice letter is : We have decided to close your accounts because of unexpected activity on this or another Chase account.

As a loyal and good Chase client for almost XXXX decades, always keeping a positive balance in my Chase bank accounts, and never did anything more than personal transactions from my Chase bank accounts, I find this notice letter to be unfair as to the explanation given ( mentioned above ). 
On XX/XX/2023 I received the same notice letter ( dated XX/XX/2023 ) regarding my XXXX sons ( ages XXXX & XXXX ). Chase is closing their savings accounts because of unexpected activity. 
I am a wife to my lovely XXXX, and the mother to our XXXX XXXX XXXX XXXX XXXX XXXX  mentioned above, as well as a XXXX XXXX XXXX girl ) and find this notice letter to be hurtful and shameful to someone like myself. All I live for is my husband and our wonderful children. I am a quiet person and do not abuse any of my financials including my banking privileges. Hence, there is no reason Chase should have identified any unexpected activity from any of my accounts or my children 's accounts. 
I am complaining because I feel that Chase is not recognizing my loyalty, and proper use of any Chase bank accounts I have ever had and currently have. 
And regarding my XXXX sons savings accounts that Chase is closing because of unexpected activity, all I have to say is that there is no way that they have or had any unexpected activity from their accounts. There has only been a few deposits into each one of their accounts and it was either birthday money they received from their grandparents, distribution funds from a family trust, or holiday gifts received from friends and family. I worked on developing relationships with bankers in the local branches. The chase mobile app, as well as their online website are very user-friendly and I do not want to have to change banks, work on developing new relationships with bankers in the local branches, and learn a new banking mobile app and/or online website. We do not deserve this.
Consumer complaint received 2023-08-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I saw that some have access to my information and used to apply from companies without my consent and I want to let the company know that Im not the one responsible for it so it shouldnt be on my record
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (NJ)

On XX/XX/XXXX, I received notification from XXXX of my credit score decreasing by XXXX points due to a debt collection of {$100.00} for XXXX by debt collector, Penn Credit Corporation XXXX An attempt to collect a debt I had no knowledge about. 

On XX/XX/XXXX, I received correspondence from Penn Credit stating an amount was owed to XXXX & XXXX in the amount of {$100.00}. In their letter, it stated to respond via email or mail. I immediately responded on XX/XX/XXXX and sent an email ( copy attached ) to Penn Credit requesting copies of utility statements from XXXX & XXXX for my review. To my knowledge, the account was paid in full upon closing the account with XXXX & XXXX back in XX/XX/XXXX. XXXX & XXXX is not my utility company, but it was back in XX/XX/XXXX for XXXX only while renting a townhome and waiting for my new home to be built. All my correspondence was sent to a XXXX XXXX while my home was being built which I kept until XX/XX/XXXX and do not understand why XXXX & XXXX waited until now to speak up of an amount owed. 

On XX/XX/XXXX, I received acknowledgement from Penn Credit with copies of XXXX XXXX XXXX 's XX/XX/XXXX final bill. Two days later, on XX/XX/XXXX, I received a notification from my XXXX that derogatory information was reported. 

Penn Credit Corporation did not provide me with necessary documents when first contacting via correspondence on XX/XX/XXXX. 

Penn Credit Corporation did not allow me enough time to review and respond prior to reporting negative/ derogatory information to the credit reporting bureaus. 

I have incredible credit status with no negative information reported, and now due to Penn Credit Corporation, there is a negative scar on my report. I would not foolishly jeopardize my credit rating for {$100.00}. 

I hope we can clear this matter up as soon as possible and Penn Credit Corporation is held accountable for false accusations against myself and my credit reporting status and not allowing me ample time to resolve this matter as under the CFPB laws for credit reporting, etc. 

Penn Credit Corporation is located at XXXX XXXX XXXX, XXXX, PA XXXX with phone number of ( XXXX ) XXXX and email address of : XXXX Thank you in advance for your time. 

XXXX
Consumer complaint received 2020-04-15
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$3200.00}
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

So i was purchased a USED XXXX XXXX XXXX XXXX Back on XXXX XXXX. 
The sales know i am in a rush and need finacing.They put some unnotice extra charge on it. 
The car mark as XXXX USD but they make the whole loan end up like XXXX and financed amount become XXXX even with my down payment for XXXX the car bought from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX and it has pre delivery fee I AM NOT EVEN NEED THE CAR TO DELIVERY I GO TO THEIR STORE TO BUY IT