davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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 Account Name : XXXX Account Number : XXXX and 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 2024-03-12
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: Experian Information Solutions Inc. (NY)

My complaint experian has a verification letter from XXXX XXXX to remove negitive information feom my report the account number is XXXX my social is XXXX also experian suppose to remove the one hard credit inquiry off my report in 24 hours i have a federal trade report on filed
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

On XX/XX/18 the company was initially contacted at XXXX XXXX  and a settlement was reached in the amount of {$100.00}. During this conversation the representative agreed to a deletion letter for payoff and provided me the email to whom I could contact to receive immediately or same day. I emailed as directed and received a voicemail from the rep saying he needed to clarify the request and the information was not correct. I have that message recorded. When I called the company back they explained this was not their policy and would only allow in extreme scenarios. I explained I received false information and believed a letter would be provided to update with credit bureaus. When I asked to listen to the calls they selectively said the onset call was not recorded or the audio was lost. However they did let me listen to the call where the rep said he could not provide that letter and there was some misunderstanding. As a consumer we have rights and being told and conveniently selective with evidence is deceiving and unprofessional. This same organization has thousands of similar scenarios with the same people- XXXX XXXX XXXX and XXXX XXXX This is fraud and unacceptable.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2023-08-15
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. (VA)

Dear Experian, I hope this email finds you good. My name is XXXX XXXX, and I am writing to you today regarding an unfortunate situation that has recently come to my attention concerning my rights as a consumer. I believe that Experian, the consumer reporting agency, has violated my rights under the provisions of the 15 USC 1681.

Section 602 of the 15 USC 1681 highlights the fundamental right to privacy that consumers like myself possess. I firmly believe that Experian has overlooked this aspect, resulting in a breach of my privacy rights. Furthermore, section 604 A, section 2, emphasizes that a consumer reporting agency should not furnish an account without obtaining my written instructions in advance. Unfortunately, it seems that Experian has neglected this requirement as well. 

Hence, I kindly request that Experian takes prompt action to remove the following accounts from my credit report. If necessary, I am prepared to escalate this matter to court, where I will demand appropriate compensation for the alleged defamation of my character. My aim is to rectify this situation in a fair and just manner. 

XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX  ( XXXX XXXX Date Opened : XX/XX/XXXX Balance : Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : Account : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balances : XXXX I must reiterate that my intention is not to cause any unnecessary inconvenience or trouble. However, I believe it is essential to protect my rights under the law. I trust that Experian, as a reputable organization, will take these allegations seriously and promptly address this issue. 

Thank you for your attention and prompt action in this matter. I hope we can resolve this amicably and restore my rights as a valued consumer. I look forward to hearing from you soon. 

Sincerely, XXXX [ XXXX XXXX ]
Consumer complaint received 2023-08-15
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-15
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. (NV)

In accordance with the Fair Credit Reporting act XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-09
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

I purchased a flight through this credit cards travel program for a flight on XX/XX/22, the airline never issued my boarding pass. I called chase to try to resolve at the airport but they couldnt get in touch with the airline. Post then, I have called Chase ( the credit card issuer ) to dispute this transaction since I never received the service. I have called Chase between 8-12 times over the course of almost 3 months and never receive an answer or resolution. I was never issued any credits or refund around this ; and have been told numerous times that someone will follow up on the case but no one has.
Consumer complaint received 2023-08-15
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. (GA)

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. 
Inaccurate addresses : 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 2024-03-12
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

I had ATM deposited a check on XX/XX/2024 in the amount of {$800.00}. It gets put on the normal 4 day hold, then to a 7 day hold, then to yet another 5 day " extended hold '' and here it is 14 days later and they are still holding it not letting me have access to my funds, not even giving me a date when it's going to be released
Consumer complaint received 2021-04-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hello to whom it may concern I have been disputing incorrect information, erroneous in my credit report for more than 180 days I have never received the answer from any credit bureaus the results of the disputes for more than 180 days and the incorrect information is still in my credit report as my name, address, collection accounts with erroneous or inaccurate information,,, erroneous and incorrect closed accounts I requested to the credit bureaus verifying and certified the information or removed immediately and they never answered me
Consumer complaint received 2022-11-24
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have 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 2023-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Mr. Cooper XXXX : Loan # XXXX We thank your office for your interest concerning our issue with Mr Cooper. Mr Cooper has dealt with us in a very unlawful manner. Breaking all rules and regulations concerning foreclosure. First our original loan was about {$370000.00}. Due to lost of business, we failed behind on our payments. Mr Cooper claimed that they kept adding the payment and interest on the loan principal. They now claim that the loan balance today is {>= $1,000,000}. In XXXX XXXX. The judge recommended that Mr Cooper allow us to do a modification on the loan. Mr Cooper refused to adjust the loan balance, by reducing the interest and principal reduction. That resulted to unrealistic monthly payments. Mr Cooper came up with a monthly payment of {$7500.00} months payment. Which was unaffordable. One can see that Mr Cooper has one goal in mind. That is to Foreclose on the house, then write of the list for a wind fall as tax return. Now the judge has given us the opportunity to sale the house as a short sale. We have engaged the service of a real estate license agent. He was able to get three offers. One of the offers is a cash offer. That will actually take a little time to close on the house. The sale day on the house XX/XX/XXXX. Mr Cooper has crusted the efforts of our Realtor. They will not allow him to put the transaction in the XXXX. Mr Cooper is pretending, and claiming that there is not enough time to execute the short sale. Still waiting for the sale date to come and pass. So that the title will pass to Mr Cooper. In light of the above, we are pleading to your office to intervene. To appeal to Mr Cooper to grant a reasonable time to execute the short sale, there should be no reason for them not to allow more time. We did an appraisal on the house this year in XXXX. To determine a fair market price for the house. We have used that appraisal to list the house, and have received three offers. Mr Cooper will not allow us to do the short sale as granted by the court. All Mr Cooper is focused on, is to foreclose on our house, as as to write it of on there tax return. So to have a wind fall. Just three months ago Mr said that our loan balance was under {$900000.00}. With s short period it has jumped to over one million. All the number are made up numbers. The loan was sold and traded. It has interested individuals that has interest in the deed. We plead to your office to intervene on our behalf. So that Mr Cooper to move the sale date to XX/XX/XXXX. Giving s fair reasonable time to do a short sale. In hope that you will intervene on our behalf. We thank you in anticipation. XXXX and XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2020-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (MA)

I have contacted the creditor/company, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This account does not belong to me and it coming it out of nowhere.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

Credit Card : Citi ( AA Advantage Miles ) Mastercard XX/XX/XXXX : I noticed charges on my Citi Mastercard that weren't mine and I didn't make with the card. Citi Fraud Dispute Dept. was notified, charges were investigated and removed, credits were issued to my account. That card ending in ( XXXX ) was deactivated. I was sent a new card ending in ( XXXX ). 
XX/XX/XXXX : Repeat of the above. ( XXXX ) was deactivated, I was sent ( XXXX  ). 
XX/XX/XXXX : Repeat of the above. Card ( XXXX ) was deactivated, and I was sent ( XXXX ). This time I noticed the fraudulent charges were coming from an XXXX digital wallet. I do not have an XXXX phone, nor have an XXXX digital wallet and had NEVER had one. The Citi fraud rep said they would put in the request to cancel the AUTOMATIC transfer of the new card information to all digital wallets and reoccurring accounts. I was unaware Citi even engaged in that practice. It seems counterintuitive from a cybersecurity standpoint that if I was reporting fraud, they would forward new card information anywhere to anyone. 
XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XX/XX/XXXX : Exact repeat of the above. All fraudulent charges are coming from a certain XXXX digital wallet ending in ( XXXX ). Each of the above calls, I am told by the Citi fraud rep that I can not cancel the card because of the ongoing fraud investigations. They WILL NOT send it to any digital wallets, etc., and that they will send a new card ending in ( XXXX  ) and ( XXXX  ). On XX/XX/XXXX, I insisted they close the account. I can fully see the issue in on their end by consistently forwarding my new card # to the same digital wallet! I was told, " If you cancel your card or close your account, you will loose ALL of your AA airline miles linked to the card!!!! 
This is an unacceptable business practice on Citi 's part. I did want to loose my miles, so I allowed them to send one more card ( XXXX  ). Citi assured my ALL digital wallet activity would be deactivated, and only a physical card would be accepted for purchases. 
XXXX XXXX, XXXX : On XX/XX/XXXX, XXXX, I received card ( XXXX ) but DID NOT activate the card for fear the above scenario would repeat itself. When I checked online I saw 7 more charges that obviously I did not make, since I did not activate the new card. Of course, the same digital wallet was used to make the purchases from XX/XX/XXXX on! I called again, asking for a fraud supervisor. I was given the same spiel as above. However, this time Citi 's culpability was exposed for I had not even activated the most current card! I spoke with XXXX # XXXX a fraud dept. supervisor. The next card they will send will be the seventh card I've been sent trying to remedy this problem. PLEASE help me. I want to close the account while keeping my miles.
Consumer complaint received 2018-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC (TX)

I've told this company in the past to stop calling, they were calling for the previous owner of the number. I've owned this number for four years now. That person used to get alot of calls. I'm starting to get them again for the past 2 days and have blocked two different last four digit phone numbers. Both are robocalls. 

I don't have the previous information any longer, however, the last two days : XX/XX/2018 at XXXX XXXX XX/XX/2018 at XXXX XXXX I know for a fact, since I check my credit, that I do not owe anything outstanding.
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-08-15
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. (AL)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE BULL. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN XXXX HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 

XXXX XXXX XXXX- XXXX XXXXXXXXExperian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX Experian XXXX XXXX XXXX XXXXExperian Inquiries : XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian