davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
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. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to my report. Please remove!! Also Pursuant to 15 usc 1681i ( a ) ( 1 ) ( a ) In general subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (SC)

I have been a client of Wells Fargo for over 10 years and just received I have noticed some unfair business practices in comparison to my other banks. I have a checking account and debit card associated with my account. For the past few months I have noticed that Wells Fargo will hold transactions until close to midnight. This has happen ago on XXXX. 

I had a total of {$30.00} in my account Wells Fargo, I had a check ( dated for XXXX ) post to my account late on the XXXX. I did not receive my " account notification '' of this posting until XXXX. I immediately transfered money over, and Wells Fargo again posted a {$35.00} overdraft fee on my account at XXXX. 

This year alone I have paid over {$730.00} due to these practices. My previous complaint result in only a {$280.00} refund of these fees. And again When I spoke to someone about my concerns they explained that transactions post when they occur, which has NOT been the case for my account and i have even requested for an email to be sent when my account goes under {$50.00}. My notification came hours later! 

I also have a XXXX XXXX XXXX and XXXX account and I have never experienced them holding transactions until close to close of business. My transactions posted shortly after I use my card and any ACH cards are posted earlier in the day. Which, if over drafted, I have to opportunity to make cash deposits that post immediately.
Consumer complaint received 2024-01-12
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-12
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. (CO)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (MS)

XXXX XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

This is a follow-up to your recent email to me on my complaint # XXXX, stating that J P Morgan Chase is working on the complaint and will provide feedback to me within 60 days. Oh, they are working on it, all right ; just " running out the clock. '' This matter could easily be researched and resolved in just one day 's time, but they clearly do not intend to do so, now or ever. They have just notified me of their intent to escalate my mortgage to the stage of foreclosure, which could likely be achieved in less than 60 days, thus confirming the fear I have had all along that they intentionally put me in an illegal, unaffordable loan situation to drive me into foreclosure so they could destroy me and be done with the mortgage forever. Unless you demand from them an equitable resolution as soon as possible, I shall be irretrievably ruined financially, with no home and no hope.whatever. Thank you for your attention to my case, and, please come to my rescue. I am fighting for my home, my life, and I am confronted by an adversary with nearly unlimited resources, and who is as unscrupulous and corrupt as they are bureaucratic and inefficient.
Consumer complaint received 2020-06-26
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. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, police report and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2024-01-12
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. (CO)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by 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 XXXXXXXX
Consumer complaint received 2024-01-12
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

As a victim of identity theft, I am distressed by the refusal to block these fraudulent entries without a clear justification. It is disheartening to note that Experian seems to be disregarding my rights as a consumer and failing to comply with the law, unlike other credit reporting agencies that have diligently addressed similar issues. 
I am questioning your authority for such decision without valid verification. I am questioning WHAT ENTITLED DO YOU UPHOLD THAT YOU THINK DECLINING THE REQUEST WITHOUT PROPER EXPLAINATION WAS JUST LIKE AS WHAT YOU LIKE TO DECIDE? IF YOU CANT ENLIGHTEN ME WITH VALID EXPLAINATION ATLEAST REMOVE THESE ACCOUNT IMMEDIATELY!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX  XXXX XXXX have already removed this account from their records. 
The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a thorough investigation and provide consumers with a detailed explanation of any adverse action taken. Unfortunately, Experian has failed to meet these legal obligations. I insist on your immediate attention to this matter and request that you rectify the situation by promptly blocking the fraudulent accounts from my credit report. I also expect you to provide a detailed explanation for the initial rejection of my request, as required by law.
Consumer complaint received 2017-09-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Equifax had a security breach announced in XXXX 2017 and my information including social security number, credit cards, driver 's license etc. was compromised.
Consumer complaint received 2024-01-12
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. (TX)

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permission for the furnishing and public report of the listed accounts. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (NJ)

Before volunteering to pay off credit card, I called XXXX XXXXXXXX XXXX and they agreed that once they received payment that they would delete the account from my credit profile, because it was reporting negatively. I paid them as promised and they never deleted the account. I have disputed the account several times and they still have never deleted the account as agreed.
Consumer complaint received 2024-01-12
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My credit report incorrectly lists my U.S. Department of Education student loans twice, once under a past servicer XXXX and again under the current servicer XXXX. This duplication falsely inflates my total debt amount and could adversely affect my credit score. This inaccuracy is a significant concern as I am in the process of closing on a house, and an accurate credit report is crucial for this transaction. Prompt correction of this error is essential to ensure a smooth and successful home-buying process.
Consumer complaint received 2021-01-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Credit card was maxed out here in different locations such as XXXX, then an hour later again in XXXX XXXX or XXXX XXXX then an hour later again swiped in another location far away. Each transaction was over {$100.00} or {$200.00}. I called Capital one and they blocked the card after all my money was taken and my card was maxed out. They said an ID was shown at each time of transaction. I told them that its impossible to begin with but even if its possible to go from XXXX to XXXX and put gas in my car for more than {$200.00}, im currently in XXXX on vacation how could I possible be swiping a credit card in north and south of the entire state of California each hour? Capital one gave me my credit back but said i had to take it to XXXX and the other 2 credit bureaus so they can fix it. I contacted them and they said i had to request an application and mail it to XXXX and only then theyll set out an investigation. It was too much work while capital one knew it was a simple fix caused by identity theft. However, all they did was freeze my account and gave me my money back. Please help me get my points up my credit report went down by more than 35 points. Please and Thank you
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (SC)

The Department of Education Aidvantage has released my records to all three reporting agencies illegally under the Family Educational Rights and Privacy Act. FERPA is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 20 U.S.C. 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. I DID NOT GIVE THE DEPT OF AIDVANTAGE WRITTEN PERMISSION TO RELEASE MY MEDICAL RECORDS and The three consumer reporting agencies XXXX, XXXX AND XXXX are not listed as an condition to FERPA. They are clearly in violation of the law and their illegal reporting has caused me to be denied a mortgage loan, damage my reputation, my character and my livelihood.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (WA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

Chase mortgage has committed multiple infractions of law while servicing my mortgage recently to include UDAAP violations, FCRA violations, violated bankruptcy laws, and FDCPA violations. Chase has re-analyzed my escrow account 3 times in XX/XX/XXXX which caused a 30 % increase in my payment in a 6 month period and did not provide at least XXXX notice of the payment change. The explanation given to me initially was that RESPA required Chase to perform the new analysis whenever the disbursed funds from my escrow account. It seems that Chase re-analyzes accounts whenever they disburse funds greater than projected to protect there pocketbook rather than consider the negative impact on the customer by constantly changing their payment with insufficient notice. Chase also reported my mortgage ( XXXX in Chapter XXXX bankruptcy in XX/XX/XXXX ) to the credit bureaus as an open personal obligation and has gone as far as to verbally confirm that same information to a credit company obtaining information in connection with financing I am trying to secure as well as stated directly to me that I owed a monthly payment on the loan. I have been harmed by these actions by being charged a higher interest rate and fees on a refinance I am trying to secure to escape the abusive practices of Chase which very easily could result in multiple class action lawsuits.
Consumer complaint received 2024-01-12
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. (CA)

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and wish to address concerns regarding the reporting of my information by XXXX, Experian, and XXXX. According to 15 USC 1681 section 604, consumer reporting agencies are allowed to furnish a consumer report only with the written instructions of the consumer. I want to make it clear that I have not provided written consent for the furnishing of my information to credit agencies, and any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the reporting agencies may be in violation of this requirement.

Additionally, financial institutions, as outlined in 15 USC 6802 ( b ) ( c ), are obligated to disclose to consumers their right to exercise a nondisclosure option. I was not informed of this right, which raises concerns about compliance with the law.

I am also opting out of the reporting services, as permitted by 12 CFR 1016.7. It is important that my concerns regarding the accuracy and disclosure of my information are addressed promptly and appropriately.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CO)

I received two emails on the same day from Chime. One was a " Welcome to Chime '' email, the other an alert that " my '' account ( which I did not sign up for or have ever had ) had been accessed from a new login ( From California. I live in Colorado ). 

I did not click anything in the email, and went directly to Chime 's website to access the login assistance page. In the page when it asks if I'd like to reset my password and to have a text sent to my phone, there was a partial phone number ( last four digits ) that is not mine, and that I've never had. I did not continue, and called Chime to investigate. 

Chime said they removed my email address from the account upon my request, yet I'm wondering how my email ended up in their system in the first place, if someone has more of my personal info they're trying to use, or if Chime personnel are creating fake accounts to earn incentives ( like XXXX XXXX employees did ). Upon further investigation it appears that this has been an ongoing issue with Chime for quite some time.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (NC)

Equifax gave my personal information ( social security number, name, address, etc. ) to hackers through their blatant negligence. As a XXXX XXXX, I can say with high confidence that literally any basic measures they could 've taken to prevent this were not taken. In addition, they are trying to put language in their " remedy '' to prevent people from suing them for their negligence. They are in charge of helping to determine my livelihood, whether I can buy a house, buy a car, get a job. And they ca n't be bothered to have basic security measures in place? Unacceptable. They should be held liable for any negative consequences that result from their gross negligence. The language in their terms of service attempts to prevent this. The act of trying to get people to get to agree to that document should, in and of itself, be a crime. But they have more lobbyists and lawyers than I do. So, I 'm not hopeful that even minor penalties will be imposed upon them. Regardless of their irrefutable damage to hundreds of millions of honest, hard-working Americans.
Consumer complaint received 2024-01-12
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. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (MO)

I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.