davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (FL)

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Opened : XX/XX/2018 ( 1 yr, 3 mos ) Account status : Open Placed for collection Original Creditor Name XXXX XXXX  XXXX XXXX XXXX I am writing to dispute the negative report issued by XXXX  XXXX XXXX  on XX/XX/2018. ( See attached ). They were my landlords. 

I always made my rent payments on time. 

I have a copy of my payment confirmation dated XX/XX/2018, which was my final payment under the lease. 

I have never been contacted by XXXX  XXXX XXXX for collection. 

XXXX  XXXX XXXX will not respond to any of my direct inquiries. 

I reported this issue to the credit reporting agencies and provided them with proof of payment, but they have refused to remove the collection from my credit report.
Consumer complaint received 2023-11-14
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. (GA)

Recently, I submitted my dispute letter to your company via mail addressing the errors and mistakes I discovered on my credit report. It has been a few months already since I initially identified and disputed these inaccuracies, yet you have failed to fulfill your important obligation of adhering to the guidelines set forth by the Fair Credit Reporting Act. 

-- -- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The following " hard inquiries '' are being reported by all three credit bureaus ; ie, XXXX, XXXX, and Experian. I did not authorize these inquiries. I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC. (CA)

I submitted a claim for an authorized transaction in my SoFi account of {$390.00} on XX/XX/2023. As stated in my initial claim to SoFi, I don't know who XXXX XXXX is and would not send a large amount of money to a random person. I only use that payment function to send rent to my brother, and pay my mother or partner- XXXX XXXX, XXXX XXXX, XXXX XXXX. All of these names are listed in my transaction history. Ive included screenshots of my past Pay a friend transactions to SoFi to show this history. 

I tried to cancel this transaction as suggested by SoFi, however - SoFi did not allow it. I tried to dispute the transaction, but SoFi said the transaction must be posted. I clearly did not want this posted on my account, that is why I am disputing it. 

I read that the report says this is rejected due to a geolocation being used and therefore rejected- all that confirms is that someone accessed my account without my awareness or authorization. That does not make me responsible for a transaction I did not send or authorize. I am speaking to my awareness of the situation and the impact it has caused with my finances and trust using SOFI. 

That is not a transaction I authorized or a recipient I know. I even locked my debit card as soon as I noticed this {$390.00} posted to my account. This is the only transaction I have ever asked to dispute. 

SoFi refuses to let me speak to someone over the phone and continue to close my case without reviewing the details or circumstances.
Consumer complaint received 2024-05-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

The debt is from XXXX XXXX apartments and looks as though is was purchased by a debt collector in which I didn't authorized or nor do this account belongs to me. XXXX XXXX XXXX XXXX has not provided me with any validation of debt or proof that this debt belongs by bearing a signature verifying that the debt truly belongs to me.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX whose collection agency is XXXX XXXX is reporting a collection amount of {$0.00} in which was paid in full. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed immediately from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX at XXXX I called Synchrony and spoke to an Account Specialist to ask about the online e-signature document that talks about the right to withdraw consent for online services, and receive paper statements. According to them, if you withdraw your consent so that you may still receive paper statements, they may close the account. If the consumer chooses to receive a paper statement, the consumer will be charged {$1.00} per month. 

The E-Sign Act does not permit electronic statements to be the default, but despite this, some financial institutions appear to be requiring in fine print that the consumer consent to electronic statements as part of the application process. The E-Sign Act does not permit financial institutions to compel consumers to consent to electronic statements by making it a condition of a product. Otherwise, the consumer consent protections of the E-Sign Act would be meaningless, as institutions could make E-Sign a condition for all of their products. If the consumer could be compelled to give consent, the the E-Sign Act 's requirement that the consumer must be informed of their right to withdraw consent and the procedures for doing so would be meaningless. The CFPB should clarify that financial institutions can not charge a fee for written statements when such statements are required by federal law. Financial institutions should not, and indeed we would argue, legally can not, charge a fee for providing something they are mandated by law to provide per UCC 9-210.
Consumer complaint received 2018-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (OH)

Hello, I called Chase customer care on XX/XX/2018 to confirm that if I made a purchase on a website and transferred money through the XXXX  service ( Chase calls it Quick Pay ) they provide ( as the website was asking me for a payment through XXXX ). I was told by Chase customer care that I would be protected and if the transaction was fraudulent then I would be able to recover my money back.

Now after I made the purchase and was transferred the money to the seller through Chase Quick Pay ( XXXX ), I never heard back from the seller and neither did I receive the product I ordered.

I called and informed Chase and they opened a claim but now Chase is denying to help me and they say they cant help recover my money back. 
I would not have made this purchase if I was told that I was not going to be protected and may loose my money. I feel Chase should Credit the money into my account as it was a chase employee who gave me incorrect information and i should not loose money due to being misinformed.
Consumer complaint received 2023-04-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX Transunion XXXX XXXXXXXX XXXX XXXX  NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal.
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: Experian Information Solutions Inc. (MO)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-05-03
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: Synovus Bank (PA)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I barely use my Bank of American Checking account, and just logged in for the first time in ages as I saw that my balance was very low. I now see that for the last 16 months I was charged a {$12.00} " Monthly Maintenance Fee '', the rep I spoke to said it's because the balance went under {$1500.00}. 

I was unaware of this requirement, and now 16 of these fees totaling {$190.00}. This is absurd. I asked the rep to refund the fees, and she did just the most recent fee, so there is still {$180.00} in " maintenance '' fees for maintaining a nearly dormant account. 

So I'm paying you {$180.00} to hold a free loan with my money. What a terrible scam!
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The following " hard inquiries '' are being reported by all three credit bureaus ; ie, XXXX, XXXX, and Experian. I did not authorize these inquiries. 

I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc. (FL)

My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with XXXX, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. 

The accounts are : XXXX XXXX XXXX Account Number XXXX and NCB MANAGEMENT SERVICES INC Account Number XXXX
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: Experian Information Solutions Inc. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account XXXX : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (OH)

I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report.

I am specifically requesting documentation beyond a simple billing statement evidence that conclusively proves the account 's status and my association with said charge-off I am writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. 
Account Details : AMEX Account Number : XXXX Reason : Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy Instruction : If you can not provide a 1099c as this account is written off, Then please delete it.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX  Last reported XX/XX/2023 {$830.00} Reported balance This account is fraudulent an was removed from my credit report due to identity theft an the company added it back it's fraudulent