davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2018-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

I am beyond exhausted with all my efforts to resolve this matter with ability to recovery for a number of months. I have gone back and forth trying to find a solution to remove this account off my consumer reports, but with no response. I have been advised to contact an attorney to file suit for damages, that I am entitled to under the FCRA. I have absolutely no knowledge of these derogatory marks on my report. This has been completely devastating to me and my family due to the fact that I am homeless because of how this is affecting my credit score.
Consumer complaint received 2024-04-16
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. (GA)

Despite my diligent efforts, these issues persist unresolved. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' It's crucial to note that I take this matter very seriously. Should you opt not to address my original request, sent via certified mail, I will not hesitate to escalate this matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (VT)

I have an auto loan for a XXXX XXXX purchased new in XXXX of XXXX requiring XXXX payments of {$570.00} starting on XX/XX/XXXX. A XXXX final payment of {$570.00} was due on XX/XX/XXXX. 

I setup automatic Bill Payments through XXXX XXXX Account to be paid on the first of the month starting on XX/XX/XXXX. I have records for all automatic transfer payments made from the XXXX Account directly to Chase Auto Loan account # XXXX and all payments were made on time. This was verified many times since XXXX of XXXX to current by XXXX and documentation as proof of payment was faxed directly to Chase Auto. 

The loan has been paid in full as of XX/XX/XXXX with the final payment paid in person to Chase Bank in XXXX, Vermont. Record of all payments having been received has been acknowledged by XXXX XXXX XXXX as of a letter received dated XX/XX/XXXX. 

Chase Auto Loan refuses to remove late charges incorrectly assessed, accumulating to {$1700.00}. After getting no help, support, replies, or resolution through Chase Auto Customer Support starting in XXXX of XXXX and continuing to present, and having involved E-Trade as well to provide Chase Auto with proof of payments made by XXXX directly, and early every month to Chase Auto, the issue has not been resolved.

According to Chase Auto, they never processed a payment received by them on XX/XX/XXXX. Throughout over a year of contact with Chase Auto in XXXX and XXXX, their representative admitted that there were issues with their internal Receiving Department getting payments to their own Processing Department and likely that was the issue of why they claim they never received a XX/XX/XXXX payment. XXXX had the check presented for 60 days before it was finally stopped in XXXX of XXXX. 

At no time have I ever been unwilling to resolve this issue ; but, I am not willing to pay late fees that have should have never been assessed, nor is there any evidence on my end that shows that there were payments not received. My letter from XXXX XXXX XXXX and the documented XXXX payments from XXXX demonstrates this. 

Chase Auto Loan Customer Support is clearly not customer support. I need these erroneous charges removed.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a letter out on XX/XX/2023 to XXXX, Transunion, and XXXX. However, its been more than 30 days, and the credit bureaus failed to send my investigation back. This is unacceptable. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-07-03
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. (NY)

Good Day, Per my compliance with the Equifax Credit Bureau, I have called and sent numerous letters in regard to the matter. I checked my credit report and I see an inquiry authorized on EQUIFAX on XX/XX/2023, however, on the XXXX website the dates are different XX/XX/2023. I asked for the hard inquiry to be removed from my credit report, I did not authorize this to be done, and to show me proof that I authorized this credit card company to run my credit.
Consumer complaint received 2024-04-16
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-04-03
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. (TX)

on XX/XX/2023, XXXX XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXX and Experian. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX XXXX. 

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX XXXX  did not verify my debt validation, and which shows XXXX XXXX XXXX XXXX  has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

On XXXX 2023 I disputed this incorrect inaccurate information. According to 15 USC 15 USC 1681 eb / E ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates consumer reporting agency. I have attached documents as proof of Equifax, XXXX and XXXX XXXX violation of FCRA.
Consumer complaint received 2023-12-05
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. (TX)

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 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX  XXXX reported that I was 60 days late on my mortgage account. 

XXXX recently bought my Mortgage ( transfer was XX/XX/XXXX  ) They incorrectly reported that I am 60 days late. This dropped my credit score over XXXX points. 

I have made 3 payments since the transfer of my loan. 

Both their phone system and online portals say my account is current. 

I have called the only customer service number I can find and there is absolutely no option to speak with a live person/representative. 

I have emailed them but have not received a response. 

I have filed a dispute with Experian on XXXX.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-12-05
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)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX has violated my rights. 15 U.S.C 1681 Section 602 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 an account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (MD)

i contacting today regarding in a victim of identity theft.i checked my credit file and i see some unauthorized fraudulent inquiries listed on my credit report.i have no knowledge of these companies.i never gave anyone permission to run my credit.please remove the following fraudulent inquiries 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 2023-08-31
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. (MD)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MA)

On XX/XX/XXXX  I received an email from Affirm Holdings congratulating me for a {$110.00} buy now, pay later loan. I never initiated the loan or have ever contacted this company. Although I thought this might be spam or a phish, a review of the mail headers clearly indicated that the mail originated from valid Affirm mail servers. I immediately contacted Affirm via the phone number on their website and explained the situation. The representative assured me that no loan had been opened in my name and that the email was likely a phish. When I explained that the email headers pointed to their valid servers, he alluded to the fact that they may have had a data breach, so I let it go. 

Emails from Affirm regarding this loan continued for another week. I contacted Affirm again on XX/XX/2023 to ask why I was still receiving emails about this matter if an account had not been opened in my name. This time I was told that an account had been opened in my name using my email address and date of birth. When I asked what other information had been used to verify my identity, I was told they could not share this information with me. I asked to speak to a supervisor who said she would open a case related to identity theft, but that I would need to wait 3-5 business days for someone to reach out to me. I agreed to her request. I filed an identity theft report with the FTC and a police report with the XXXX Police for fraud and identity theft. 

I contacted Affirm a third time on XX/XX/2023 as no one had reached out to me after 21 days, much less 3-5 days. I was told by a representative that she could not provide any additional information, but that she would escalate the case, and that I would need to wait an additional 3-5 days. As of XX/XX/2023, no one from Affirm has contacted me regarding the fraudulent loan. 

A review of the CFPB complaint database shows numerous complaints regarding Affirm that followed an identical pattern to my own. The pattern is as follows : 1. Fraudulent account set up with Affirm using limited information to protect against identity theft.

2. Victim contacts Affirm and is told to wait 3-5 days for an internal investigation. Victim is not contacted.

3. Victim calls Affirm numerous times over the course of weeks, each time being told they need to wait 3-5 days for an internal investigation. Victim is never contacted.

4. Affirm writes off the loan and turns the victim over to debt collection.

5. Debt collection reports delinquent loan to credit bureaus and victim 's XXXX  score is affected.
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I went through XXXX & back trying to access a mortgage account with Bank of America for a beach cottage I purchased in XXXX  over 20 years ago. When I remarried my husband of 1 yr decided we should refinance both our properties. I trusted him so did not scour the papers I signed including adding him to the deed. It turns out he refinanced it for {$21000.00} more than I owed & removed my name from the loan which I learned XX/XX/XXXX when I tried to access the account. Because I was removed from the loan, BofA refused to give me access to the account without his authorization during the divorce process which apparently he never set-up. I finally got access to the account after months of begging & found all sorts of stuff. 
Our divorce was finalized XX/XX/XXXX and a legally binding settlement agreement reached which was signed by both parties and the judge in XXXX where I lived during my marriage. I am supposed to have full access to the cottage & bear all financial responsibilities in order to keep it & am obliged to sell or refinance it by XX/XX/XXXX. So I call BofA and explain the situation ( again ) & tell them about the legal agreement which was sent to them as instructed. They also said they needed a letter signed by my ex-husband which was sent along with the settlement agreement. 
They said they do not honor such legal agreements & that I still need my now ex-husband 's authorization to gain access. Furthermore, they've made it very clear that even with his authorization they will only give me access to the loan information via telephone - they will not allow me to go to the on-line account documents & other info related to the mortgage including an " advance '' they paid to the Town of XXXX XXXX for an unpaid sewer assessment ( unbeknownst to me ) to the tune of {$5000.00}. It appears on the loan statements I saw in the past in a separate section so I know it's somehow connected to the mortgage loan and is likely still racking up ridiculous late fees as it appeared my ex- wasn't making regular payments. 
I have made every single payment on the monthly mortgage for this cottage since it's purchase in XX/XX/XXXX. I would like to understand WHY BofA can now deny me access when the property, the loan & all related financial obligations are now my responsibility per a legal settlement signed by the judge &  HOW they can require that my EX-HUSBAND 's authorization. I have attached the last monthly statement I was able to obtain in my ex-husband 's name as well as the divorce/settlement agreements. Nor do I understand how I can possibly comply with the terms of the settlement agreement and take care of all related bills & fees until I can SEE the records. 
Thank you in advance for your help.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (SC)

In accordance with the Fair Credit Reporting Act, Midland Credit Management acct # XXXX has violated my consumer rights. I did not give Midland Credit Management my written permission or instructions to furnish this negative account on my consumer report. I have requested documentary proofs of my written consent given to Midland Credit Management and no other company. 15 US Code 1681 section 602 A states that I have the right to privacy. 15 US Code 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account without my written permission or instructions. PLEASE SEE ATTACHED****
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax XX/XX/year> XXXX XXXX XXXX {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} Theres no original contract or no original ink signature. 

XXXX XXXX XXXX {$12000.00} Past the statute of limitations XXXX {$8400.00} Theres no contact info available for this creditor
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, i discovered that over the course of two months, a total of XXXX dollars was removed from my checking account. My bank record says that my debit card was used to withdraw XXXX dollars XXXX times at a gas station. I filed a claim with my Bank Wells Fargo to invesigate the claim and have the money returned to me. The Claim number is # XXXX. When calling to check on the claim, they said that my debit card was swiped and that the transactions were legitimate. However these debit card transactions can be faked. 

They sent me a letter saying that these transactions were authorized and that there was no error.