davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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. (MD)

PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT AS THEY VIOLATE MY CONSUMER RIGHTS PER 15 USC -2 STATES EXPECT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM ALLEGED, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF A COPY OF AN IDENTITY THEFT REPORT, APPROPRIATE PROOF OF IDENITITY OF THE CONSUMER, THE IDENTITIFCATION OF SUCH INFORMATION BY THE CONSUMER AND A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTIONS BY THE CONSUMER. I DEMAND YOU TO DELETE THE LISTED ACCOUNTS IMMEDIATELY PLEASE ALSO REMOVE THE FOLLOWING INQUIRES AS IT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, 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 XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX PLEASE DISREGARD PREVIOUS COMPLAINT IT WAS MISSING DOCUMENTATION
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Closed Accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

This is either the third or fourth year that I have not been able to obtain my free Credit Report from Equifax. At first I thought the issue was because of the data breach and that their system was not working. However, in reviewing your website, there is no mention that consumers can not obtain a Credit Report from Equifax, free or otherwise. 

XXXX XXXX XXXX XXXX XXXX website take me through to the 4 security questions asked by Equifax and then, it keeps telling me that I must submit my request in writing. I've submitted my request via the Form, in writing in the past and it seems like once they receive the mailed in Form and my letters with the requested information, it goes through some loop where Equifax just keeps asking for the same information over and over. -- BUT, I don't ever receive the Credit Report. And now I'm going on either three or four years without a Report from Equifax. 

Therefore, 1 ) I'm being denied my Free Credit Report and 2 ) I have no idea what is being reported or 3 ) I have no idea if the information being reported is even correct. 

Please note, I have zero problems obtaining my Free Credit Reports from XXXX XXXX and XXXX.
Consumer complaint received 2023-11-03
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 XXXX Account number 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 an account without my written instructions.
Consumer complaint received 2024-02-29
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. (PA)

I have a bankruptcy reporting. I contacted the XXXX Bankruptcy court and they sent a letter that they do not send bankruptcy reports to Credit Bureaus. I requested the hard copy. Once received I forwarded the letter to XXXX and Equifax.
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP (MO)

XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX on XX/XX/18 we  submitted a request for a payoff. We were told 5 to 7 days turnaround see below request. 

Payoff Name : Selene Finance LP Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Fax : Email : Loan # XXXX Original Loan Amt XXXX Order Task Comments : Good Thru Date Ordered : Deliver to : XXXX ( XXXX ) or XXXX Payoff Order Bank Name : Selene Finance LP Loan Number : XXXX Method of Order : FAX Phone : ( XXXX ) XXXX XXXX Name : N/A Fax : ( XXXX ) XXXX Email : n/a Approx. Lender Turn Time : 5 business days Good Thru Date : XX/XX/2018 Date : XX/XX/2018 As of XX/XX/2018 we still had not received the payoff. We requested again, see below. 
Payoff Track 1 Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX XXXX Name : XXXX Date : XX/XX/XXXX As per CSR XXXX, they received the request and the PO is scheduled to be ready on XX/XX/XXXX. 

Payoff Track 2 Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2018 As per CSR XXXX, they received the request and is in process. 
We should receive it on XX/XX/XXXX. 
*** Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX XXXX : XXXX Date : XX/XX/2018 Additional Comments : The CSR XXXX is escalating the request to have it as a priority. She said that we can get the PO faxed thru XXXX sometime today. 
Bank Name : Selene Finance LP Loan Number : XXXX Method of Order : CSR : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2018 Additional Comments : As per csr XXXX they did have the request on files and also they sent it to us but since we dont have it on files she will resend it to us by fax. 
This is now XX/XX/2018 we nor our customer has received anything.
Consumer complaint received 2023-11-04
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. (NV)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-03
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. (AL)

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 XXXX  Account Number : XXXX Account Name : 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 2023-07-17
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. (MS)

In accordance with the credit fair act the following information needs to be removed. I have recieved notice from each credit bureau saying that everything is correct and has been verified. XXXX account # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX, XXXX  XXXX acc # XXXX XXXX XXXX acc # XXXX 15 u.s.c. 1681 sec 604a states i have the right to privacy 15 u.s.c. 1681 sec 604 a sec 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in reference to my credit report, which contains several items that are incorrect or questionable. As per the Fair Credit Reporting Act ( FCRA ), I request that you take appropriate action to investigate and correct these errors immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX - This address belongs to someone else. Please remove it from my report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Please remove it from my report immediately. 

XXXX  XXXX XXXX Account Number : XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I have carefully reviewed my credit report and can confirm that the above-listed items are not accurate. As per the FCRA, I have the right to request that you remove any information that is inaccurate or incomplete. 

Please note that I would like to receive a written confirmation once these items have been removed or corrected from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm complaining AGAIN that I was a victim of identity theft with this. As per Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 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 unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (OH)

While trying to open an account It was communicated to me that Early Warning Systems were reporting several incorrect personal pieces of information as well as unauthorized accounts on my credit report. I have attempted to contact them several times regarding this incorrect information in the system and removing these accounts. I have attempted to verify myself several times with calling, sending in up to date Identification and utility bill, as well as attempts to verify online. EWS refuses to validate the information or correct the information as well as continue me no access to the dispute process because I have not been verified.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On or about XX/XX/2023 I notified Chase Bank about fraud on my account. I tried to close the account but I was told the department was closed and I would have to wait until the next day. Within a few hours, in the middle of the night, Chase sent out XXXX wires to accounts in XXXX, XXXX. Those wires totaled about {$8000.00}. The next day I visited the bank, told them verbally to not allow any wires from my account, closed my account XXXX, and opened a new account at Chase. About {$9500.00} was wired out of my NEW account and Chase has written me saying that they are not responsible and they will not refund any of the losses to my accounts. On or about XX/XX/2024CHASE PERMITTED ADDITIONAL WIRES OUT OF MY CHECKING ACCOUNT TOTALLING APPROXIMATELY {$500.00}. I have also filed a Police Report with the XXXX Police in my local area. I hope that you can help with reimbursement from Chase since they were advised about fraud but they still allowed multiple wires to be sent out from my accounts without checking with me or obtaining my approval because both accounts were subject to fraud. XXXX XXXX XXXX
Consumer complaint received 2023-11-04
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. (NC)

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 : Account Number : Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX ================================ UNAUTHORIZED INQUIRIES PLEASE DELETE : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

On XXXX XXXX/2022 it was a large amount tranfer from my saving account to my checking account of the total amount of {$6200.00}. My lawyer and i have contact City Bank multiple time, I also have gone sit with bank representive and it hasent been no result.They having done anything.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with fair credit reporting act XXXX Account has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : 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 2023-02-27
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (AR)

getting caught up on payments but they needlessly send by unidentifed persons to take pictures and leave finincial information where anyone can access that information
Consumer complaint received 2023-05-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (AR)

I received a 1099-INT form from PNCBank, National Association XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/2023. It contained personal information of name, address, taxpayer ID, an account number and an amount of interest. I made multiple attempts contacting PNC for months trying to find out why they sent this 1099-Int to me. Ultimately transferred to the VP of Executive Client Relations, XXXX XXXX ( P ) XXXX had no idea why and vowed to research until resolved -still no response back. On XX/XX/2023 XXXX XXXX ( P ) XXXX from PNC called and said they were from a Certificate of Deposit under the business name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for more information/ clarification and was told they could not provide any other information and he stated he could not put that in an email as requested. I have not personally acquired any CD 's so I am still at a loss of why this " CD '' has my name attached. Please help me to determine what this is all about.
Consumer complaint received 2023-11-03
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)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-11-03
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.