davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (TN)

I sent a letter on XX/XX/2022 to this Credit bureau. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2023-06-29
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. (MA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (NY)

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, # XXXX Account name : XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX XXXX XXXX I requested the credit bureaus to investigate every piece of information on my credit report. Below is the enclosed listed accounts. Attached is a copy of my tracking number #. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still, not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking numbers XXXX XXXX
Consumer complaint received 2023-05-10
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. (SC)

Experian is reporting the following duplicate information on my credit file XXXX XXXX  in amount of {$510.00} ; XXXX XXXX XXXX is also attempting to collect an outstanding debt for XXXX.
Consumer complaint received 2023-05-10
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}
Consumer complaint received 2023-05-10
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)

I XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report, I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (CA)

I am a victim. of Identity theft. 
By checking my credit report I have found two fraudulent accounts I have listed on the FTC report. Someone has stolen my personal info and used them to apply for some creditors.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (NC)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (TX)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : 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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-05-10
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. (GA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-10
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. (NY)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX TXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CITI XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX  XX/XX/XXXX
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (GA)

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$6000.00}
Consumer complaint received 2023-05-10
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)

There is information on my consumer report that is a result of identity theft. According to 15 USC 1681c-2, Federal law states : " 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. ''
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account as soon as possible as I am having difficulty accepting this issue and it is affecting my ability to sleep. I urge you to remove any inaccuracies and confirm that I have always made timely payments, as this situation is causing me a lot of anxiety.
Consumer complaint received 2022-12-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: WELLS FARGO & COMPANY (GA)

I am strong victim of wells Fargo auto loan I was neglected when I summited the complaint and this has violated my consumer rights I have XXXX XXXX XXXX XXXX XXXX XXXX  and request CFPB and was over look now I have XXXX XXXX XXXX XXXX XXXX well Fargo has approved a loan on a damaged vehicle and over priced the vehicle Wells Fargo approved a auto loan
Consumer complaint received 2016-11-17
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: IMPERIAL CREDIT SYSTEMS, INC. (TX)

XXXX XXXX called my job togs my boss they were on their way to pick me up to take me to jail. Caused a huge scene and nearly coast me my job all for a charge that was't mine.
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AL)

My home burned on XXXX XXXX XXXX. I finally got the insurance check and over-nighted it to DiTech Claims Dept., XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, SD XXXX ; on XXXX XXXX XXXX.  DiTech received the check and marked my loan paid off on XXXX XXXX XXXX. DiTech issued me a check for the overpayment of ( {$62000.00} ) on XXXX XXXX XXXX and I received it on XXXX XXXX XXXX. However, the check had been issued with my XXXX husbands ' name - and - mine on it, making the check worthless. I called DiTech and explained the problem with the check to them. I was advised to over-night the check back to them and given the address. I was told that it only takes 7 - 10 days to reissue a check. I sent the check back on XXXX XXXX XXXX. I received the titles to my burned double wide in the mail on approx. XXXX XXXX XXXX, since DiTech had taken the money and paid off my mortgage. I called Customer Service ( XXXX ), on XXXX XXXX XXXX, spoke with XXXX. I was told that the check was received and forwarded to Payoff on XXXX XXXX XXXX. This time I was told that the check would be reissued in 10 business days. XXXX XXXX XXXX XXXX, I called again and spoke with XXXX. I was told that the claims and payoff departments were arguing over who had to reissue the check. I was told to call back and speak to the claims dept. I did, and spoke with XXXX. After some checking, I was told again that I should have the check in 7-10 days. On XXXX XXXX XXXX, I called again and spoke with XXXX, then transferred to XXXX ( XXXX ) in claims. XXXX said that she was checking with her mgr. and would call me back with more details. * She never called back. * On XXXX XXXX XXXX, I called again and spoke with XXXX in claims and was told that they had nothing about it and to call customer service. I did and spoke with XXXX. She got an attitude with me and said that there was no check. I have been drug around for two months. DiTech has had a copy of my XXXX  husbands ' XXXX certificate since he XXXX four years ago. Our titles said - or - NOT - and-. All they had to do was reissue the check with his name then - or- my name. My granddaughter and I have been drug around enough.This has caused me an enormous amount of stress. This company is intentionally dragging this out. PLEASE Help.
Consumer complaint received 2023-05-10
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. (MS)

On XX/XX/XXXX, I drafted and mailed letters to XXXX, Experian and XXXX to update my personal information. I provided my correct address, full legal name, my only SSN associated with my name, my only correct date of birth, my only employer. Furthermore I requested the removal of all phone numbers. I also requested the removal of all other address off my report. The post office will not be able to deliver to inaccurate address per Fair Credit Reporting Act since they are not accurate. As of XX/XX/XXXX, the corrections have not been made.
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I use Bank of America and have been a customer since XXXX. I use the mobile banking app nearly 100 % of the time as there is a fee if I enter and use the branch. I use RDC ( remote deposit capture ) feature in the mobile app to deposit my bi-monthly paycheck. Today I tried to deposit my paycheck. Because there is a {$10000.00} monthly limit on RDCs, I was unable to deposit my paycheck. What happened is that I recently received a raise and now my checks are large enough that they add up to over {$10000.00} a month. I called to ask for the RDC {$10000.00} limit to be raised but the phone rep and the supervisor both told me it ca n't be raised. This is my primary complaint. How is it that a Bank will limit me from depositing my standard bi-weekly payroll? 

Second issue, I was then guided to make the deposit into a linked joint account that I share with my XXXX XXXX XXXX son. I was told that once the RDC transaction shows to the bank after the nightly processing, the next morning, the check image is available. They told me that I can then call in the morning and ask to move the deposit into the originally intended account. However, when I called back, the rep on the call said this could not be done. The rep then said the funds would not be available for 5 days. However, when I deposit my payroll check into the originally intended account, the funds are available next business day. 

So, the artificial {$10000.00} limit on RDC has cascaded into a series of bank blunders that have caused me to deposit my payroll check into an unwanted account and now the money is locked up in this account. The rep furthered that a lot of bank policy changes took place in the beginning of XXXX XXXX. However, I was never notified of these changes. '' It 's these kind of inflexible rules that hamper consumer banking. It 's difficult to make simple deposits ... and then the customer is forced into a branch to do basic consumer banking. 

Please help, XXXX XXXX
Consumer complaint received 2023-05-10
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. (LA)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}