davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
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. (AR)

I humbly assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related statutes, including 15 USC 6801 and 12 CFR 1016.7. It is imperative to ensure that consumer reporting agencies, such as XXXX and Experian, operate with fairness, impartiality, and respect for my privacy rights, as outlined in 15 USC 1681 section 602 ( a ). Additionally, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer, which I have not provided. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions, including furnishers of information to credit agencies, must disclose to consumers how they can exercise their nondisclosure option, which has not been done in my case. The reporting of adverse information without my consent, as per 15 USC 1681C ( a ) ( 5 ), and the furnishing of inaccurate information, as prohibited by 15 U.S. Code 1681s2 ( A ) ( 1 ), are clear violations of the law. XXXX, Experian, XXXX, and all relevant entities must uphold their obligations under these statutes.
Consumer complaint received 2024-03-17
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)

Experian, is reporting XXXX my transactions or experiences on my consumer report ( s ) and this in violation Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-09-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a saving account with bank of america. 

There only options is to close by mail or by phone. Which is crazy in this day and age. 

I tried calling by phone. Out of 17 options for my saving account, 'closing it is not one '. 

The automated voice dose not understand closing acocount. 

I have spend over 2 hours trying to talk to someone. 

I have also been cut of on a number of occaisions for no reason.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP (NY)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, 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 to whom the report relates. These accounts KEYBANK  NA XXXX  account number starting with XXXXXXXX XXXX XXXX XXXX account number starting with XXXX are incomplete and acurrate. 

And one more thing according to 15 USC 1681s-2 A person shall not furish any information relating to a consumer to any consumer reporting agency if the person knows or her reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-03-17
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB- XX/XX/XXXX SSN- XXXX Experian, XXXX, and XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
The following items must be blocked, removed and permanently deleted from my credit profile. 
XXXX account ending in ( XXXX ) Open Date- XX/XX/XXXX Balance- {$24000.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Which states FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Police Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within five business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

The Loans For XXXX  XXXX have been paid and I have contacted XXXX  they have provided me email and documentation for this pay off I request that this be updated on my Experian Credit Profile to reflect the loan is fully paid off and should go into A positive Status
Consumer complaint received 2023-04-07
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. (CT)

There is an address thats not supposed to be on my XXXX  and equifax consumer reports. The address is as follows : I have never lived there in my life. Ive lived at the same address for almost 20 years. Ive already tried to dispute this matter before about this address and they havent removed it. This could possibly be a matter of fraud or id theft. 
I would like the address deleted from my experian and equifax reports immediately please. According to fcra laws they are required to report ONLY 100 % TRUE AND ACCURATE and this is blatantly not true or accurate. It would be negligent to blatantly leave this false information on my report Address for is XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Address for Equifax is : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OR)

View attached 2 files, XXXX illegal credit activities, illegal mortgage activities, cooking be books activity. 

This information about this credit card is disputing accuracy of information or completeness, and with the criminal activities of XXXX make this company complicit in misbehavior. Needless to say very suspicious of this conviction with XXXX reflect in this card as illegal activity, who now is responsible for burden of proof? 

This is of grave concern, the allegation could lead to an independent claim and reference these similar convictions. 

Or you could remove this alleged debt that has subsequently already been paid 3 times now, is XXXX XXXX XXXX and should be removed.
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I used my Capital One Ventura Credit Card in XXXX XXXX  or XXXX XXXX  XX/XX/XXXX. The APR was XXXX XXXX  The very next month the APR went to XXXX XXXX. They hiked the APR on the card when I put {$2500.00} on it, the most ever used so they could get the most profit, but if I " hadn't '' used the card the APR would still be XXXX XXXX  Why couldn't they communicate to me about the APR increase that way I would just pay cash for the purchase. I have paid {$400.00} beginning in XXXX, and only {$70.00} has gone toward the account as of XX/XX/XXXX. Then they charged interest on the XXXX XXXX yearly membership fee. 
Over {$56.00} interest each month from the {$100.00} payments I made since XX/XX/XXXX. When I asked they said that my APR can be raised at any point, ok why wasn't that communicated, I asked does it make it ok to have my account credited for only {$70.00} when I have paid {$400.00}, which I pay on time each month. This is basically giving money away to them when I thought I was paying my bill down enough to pay it off. The lady told me if I didn't want to pay interest to just pay it off. I told her that the reason for having a credit card was to pay for it monthly and see the results of my monthly payments. I asked her did she think it was fair to raise the APR just because I used the card without telling me because if they had I wouldn't have put that much on the card.
Consumer complaint received 2023-07-06
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-03-17
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)

I reviewed my consumer reports and noticed that I had two late payments on account that I was never late for. the consumer reporting agencies have assumed a virtal role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I never been late on payments for the account that I have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2023-07-09
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. (FL)

This account submitted a letter to the company and all the agencies that report on my credit kindly demanding a verification of the information, since it presents wrong information negatively affecting my credit report. 
After several attempts, it was not possible to obtain a response from the issuing bank saying that they do not have this account but the agencies continue to report it and in the same way we have not obtained any response from the credit agencies.
Consumer complaint received 2023-07-09
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. (FL)

This account has already been sent a personal letter to the bank in charge, in the same way that we send a notification to the CFPB notifying the errors and data that report in my credit report negatively affecting my credit report. 

You were notified in the past of the errors and giving the explanation with evidence that this account was not authorized at any time by my person, all the information they requested was issued including written conversations by agents who work for that company and still continues to affect in a negative way without receiving any type of response from this entity.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have disputed the late payments on this XXXX XXXX XXXX XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2024-03-17
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. (ND)

The XXXX  XXXX  concluded that my account was properly investigated but how is that possible when the open date, date last active, date of last payment, high credit, past due are inaccurate.? This is grounds for removal. They also violated my rights under 15 US C 1681 section 602 A. States I have the right to privacy : 15 US C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-19
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. (NJ)

In accordance with the Fair Credit and 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 6 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX  XXXX XXXX
Consumer complaint received 2023-04-11
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)

Experian has been inaccurately reporting my XXXX credit card account for the past two months. Please see attachments of my XXXX Credit Card statements versus what Experian continues to report the same inaccurate balance multiple times in one month causing score decrease. 

Please see all attachments from previous complaint filed # XXXX I am opening up another complaint. The issue was not addressed. I pay my bills on time. Furthermore, per the Federal Trade Act, the credit reporting agency is responsible for making sure all information being reported is correct. In this case it was not. Also, to go as far an offer me advise on credit repair companies is an insult. The response from Experian was belittling, in which which Experian tried to scold me and offer advise on how to obtain good credit. I have excellent credit in which you are trying to destroy. I have a 700 plus credit score so I dont think I am in need of credit repair. However I will be contacting a consumer credit Attorney asap. If I let you continue this process of discrimination and defamation I will be needing credit repair. 

Experian I dont need you to send me a copy of my credit report. I have access to my credit report obviously, hence my reason for the dispute.
Consumer complaint received 2023-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (TX)

Re : Complaint ID number XXXX - XXXX I'd like to submit an addendum that I received the 1098 form from Mohela which shows a total of {$11000.00} in fees. I'm wondering if this is standard and normal procedure for this company to charge such a large amount in fees? As stated in said complaint above, I was never able to receive a straight answer as to the source of these fees. 

Thank you. 
XXXX
Consumer complaint received 2024-01-19
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXXu, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

I mailed Credit Bureaus a letter disputing inaccurate information on my credit report over a months ago and in response I received a letter from Bureaus stating the ID I submitted was insufficient to verify my address and identity.

The identification I submitted is sufficient according to Bureaus guidelines and I demand that
Bureau examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope.
The disputed items must be investigated. Item i'm talking about is a result of identity theft.

1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

All my student loans have been paid off in full since XXXX but my credit report still reflects a balance over {$330000.00}! I have disputed this several times and it is not getting fixed. I can not close on a house or get any other loans bc my debt to income ratio is too high with this false reporting.