davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-11
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. (GA)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : 1608 Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

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

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

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

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

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

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

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

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

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


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

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

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-01-11
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. (MI)

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 Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PR)

I pulled my credit reports on XXXX from XXXX, XXXX, and Experian. 

On the XXXX report my name is correct but the XXXX AKA 's are not ; on the addresses, the current address is mailable but the other XXXX are non-mailable addresses ; the only phone number that is currently in use is the first XXXX, the other XXXX do not belong to me. 

On the XXXX report my name is incorrect with various errors, XXXX of the XXXX formerly known as, is the correct name ; the current address is mailable but the other XXXX are non-mailable addresses. 

On the Experian report there are XXXX names with only XXXX being the correct one ; XXXX address is mailable and the other XXXX are non-mailable addresses ; The residential phone number is the only one that is correct, but classified incorrectly as it is my mobile number, the other XXXX do not belong to me.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I hope these letters will reach the appropriate departments. They reported multiple numbers of collection accounts on my credit report, yet, my personal information from their records were incorrect. 

They have NO uniformity of information. 
How can they say that a certain account is mine and my responsibility if they can't even be 100 % accurate with my personal information. Where did they obtain my details then? 

As a consumer, my concern here is the security of my private information, and I'm receiving a lot of unauthorized access on my account, doing hard inquiries and inquiry removals without my approvals and permission. 

Now, I'm totally shocked that multiple derogatory and collection accounts came popping in my credit report lately. 

I deemed it all to be misleading, invalid, inaccurate and inconsistent! I want these removed. I asked for reinvestigation in the past but I received letters not following what was written in my debt validation letter. 

Since they failed to follow the correct procedures. I request for these accounts to be remove immediately from my credit report.
Consumer complaint received 2018-06-01
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. (NJ)

3 major credit bureau companies accumulate information on you without your consent : XXXX, TransUnion, XXXX  ; which are used by banks, mortgage cos, car dealers, etc. : Just about everyone : They arbitrarily use some rating system along with keeping these statistics for an inordinate & obscene amount of time whether justifiable or not : This determines interest rates usually affecting the least of us in society that can afford these interests : EX : I had car repossessed by XXXX XXXX even though customer leasing for 10 yrs when I had XXXX XXXX & in hospital for 7 days : I called XXXX myself & told them I was behind a couple of months, but would pay XXXX of month. I even provided hospital phone number for verification : They chose to repossess my car from my driveway in a rainstorm : Irrelevant now, but cost me thousands to retrieve, etc. Now this is on my credit report for 7 yrs. etc. Otherwise my credit outstanding payment wise on all related finances. My point is this : How is it that consumers are subjected to the whims of these 3 major credit bureaus regardless of whether we have access to our scores accumulating all our private financial information which can affect us adversely for so many years as if we are convicted felons ; let alone what gives them the right to accumulate our private information? I committed no crime yet whenever anyone accesses my scores which are still relatively decent mid 700s on one, etc. considering the incident ; yet I am subjected to adverse interest rates because of the credit bureaus keeping questionable information for 7 yrs, etc. More importantly explain why these bureaus are able to control the financial circumstances of millions of Americans when there are so many other mitigating factors involved in the loaning of monies for mortgages, cars, loans, etc. including fact of building rapport & continuity of payments with banks, dealers, etc. than can determine their own judgement as to whether you are a viable risk> Absurd to have so many lives be charged excess interest fees & be subjected to the power of these bureaus who have accumulated your information without your consent : Class action lawsuit should be filed forcing them to stop these practices as well as legislation prohibiting these arbitrary year numbers of maintaining questionable information that are so incredibly time consuming to combat with them ; it would take you 7 years just to update your information accordingly : Do something : Congress should do something : Millions of people fall deeper in debt because of the uncontrollable usage of these 3 large firms that have tons of questionable information accumulated that is virtually impossible to combat in order to assist you when applying for credit, etc. Thank you for your time & effort : Respectfully, XXXX XXXX
Consumer complaint received 2015-05-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SKO Brenner American, Inc. (CA)

On XXXX XXXX, 2015 I sent a letter of verification to SKO Brenner American requesting verification of several accounts being reported as negative on my credit profiles. Received the return certified receipt stating letter was signed for on XX/XX/2015. On XXXX XXXX, 2015 received a letter form SKO Brenner American representative by the name of XXXX XXXX stating The they have notified the credit bureaus to delete these accounts from my records. Today is XXXX XXXX, 2015 and the negative accounts are still showing on my credit profiles.
Consumer complaint received 2024-11-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP (IL)

I want to complain to US Bank. This year, I applied for XXXX CD deposits in this bank as a foreigner, but every month I have to pay 25 % federal tax. In XXXX, I received a letter from US Bank, informing me to fill out the XXXX form so that the 25 % federal tax can be exempted. The first time I went to the US Bank near my home, the banker told me not to care. Later, I read the letter carefully, and the bank clearly told me that as long as I filled out the XXXX form, I could be exempted from federal tax. So I went to this bank for the second time and filled out the form, but I found that I was deducted from federal tax again. After that, I called the bank, and because of the banker 's work error, I had to go to this bank for the third time! I clearly stated on the phone that I wanted to complain to this banker and US Bank. He discriminated against me because I was a foreigner, thought I couldn't do anything with him, didn't take my problem seriously, and was very unfamiliar with banking business! I asked the bank to refund the interest tax charged to me and compensate me for the loss I suffered each time I took leave to go to the bank, a total of {$930.00}
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: World Acceptance Corporation (GA)

on the date of XX/XX/2019 an inquiry was made by XXXX XXXX that I did not authorize. I disputed this inquiry, and i attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 i received an inquiry made by XXXX XXXX XXXX that I did not authorize. I disputed this inquiry, and I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 an inquiry was made by the World finance Co that I did not authorize. I disputed this inquiry, and I attempted to reach out to the creditor to resolve this matter but to no avail.
Consumer complaint received 2020-06-24
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)

There are several accounts that are reporting inaccurately on my credit file. The following accounts are reporting inaccurately for the following reasons : Incorrect Personal Information : Names : XXXX XXXX ( Experian ) Names : XXXX   XXXX  ( XXXX  and Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & Experian ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Experian  & XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ) Inaccurate Late Payments reporting on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : XXXX. I was never late ( XXXX, XXXX, Experian ) Identity Theft or Fraud Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : XXXX. I was never late. ( XXXX  & XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1600.00} ( XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  ) XXXX XXXX - Date Open XX/XX/XXXX ( XXXX  ) ; Date Open ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$18000.00} Chargedoff ( XXXX, Experian, XXXX ) Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 TIMES ) XXXX
Consumer complaint received 2024-01-11
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)

For the past two years I have disputed my personal name, address and accounts that were in clear violation with reason and code to XXXX and Experian to which they updated with no change or verified without providing any information on how they verified the information. These two companies are not doing any investigation and when I called Experian XX/XX/XXXX  I was actually told by a customer service representative that one of my accounts was verified by the actual Account that was in dispute. I asked them how can an account in dispute investigate their self? She said that that was their process.
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I'VE ALREADY FILED A COMPLAINT. THE ASSIGNED CASE # IS : XXXX. 
I RECEIVED THIS LETTER ( SEE ATT. ) OF WHY THE LOAN WAS DENIED. THE REASON MAKES NO SENSE. 
I APPLIED ON XX/XX/20 WAS WORKING WITH XXXX AND WAS ASKED TO SUBMIT THE LIST OF THE FOLLOWING ITEMS BETWEEN XX/XX/XXXX & XXXX XXXX. : File Uploaded at XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XXXX XXXX   XX/XX/20, XXXX XXXX XXXX XXXX XXXX   XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX XXXX   XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX ( XXXX ) .XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX   ACCORDING TO THE LETTER THE REASON FOR DENIAL WAS : " TYPE OF LOAN NOT PERMITTED UNDER PROGRAM REQUESTED '' MY REQUEST WAS TO REFINANCE MY EXISTING LOANS ON MY PRIMARY RESIDENCE XXXX 

I NEVER CHOSE ANY PROGRAM. 

AND IF THIS SO CALL REQUESTED PROGRAM WAS NOT PERMITTED WHY DID THEY REQUEST ALL THE DOCUMENTS I SHOWED FROM XXXX TO XXXX AND DIDN'T ADVISE ME I NEVER CHOSE ANY PROGRAM. 

AND IF THIS SO CALL REQUESTED PROGRAM WAS NOT PERMITTED WHY DID THEY REQUEST ALL THE DOCUMENTS I SHOWED FROM XXXX TO XXXX AND DIDN'T ADVISE ME THAT WE SHOULD PROCEED IN ANOTHER MANNER? 
AS I SAID I DIDNT REQUEST ANY SPECIFIC PROGRAM AND THEIR REPRESENTATIVE XXXX WHO I SPOKE TO ON AT LEAST 10 DIFFERENT OCCASIONS NEVER TOLD ME OF ANY PROGRAM OR ADVISED OF ANY ERROR IN THE REFINANCING. 

THIS SEEMS VERY SUSPICIOUS AND AS I SAID IN MY INITIAL COMPLAINT I BELIEVE CHASE DOESN NOT WANT TO ALLOW THE LOAN TO BENEFIT FROM A LOWER RATE. 
THESE ACTIONS BY CHASE ARE DECEPTIVE ACTS AND PRACTICES IN MY OPINION.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

Thursday XX/XX/24, Midland Credit Managemenr illegally added a derogatory report to my credit file. This company must be stopped. They send emails to my personal email and harass for money. I do not pay collection agencies especially when I do not owe them. I need them to prove they have the right to contact me in Florida and that their statutes allow them to harass me for an old debt that was purchased by them. 

I have contacted their state Attorney General in their state to do the following : 1 ) inform Midland not to contact me about a debt due to the pandemic. Additionally, I have received no correspondence from this company. The amount they claim I owe is exaggerated with over XXXX dollars in their fees and they are attempting to collect and they are a illegal collection agency. They placed a collection on my credit report without communication with me. According to the Bureau of Consumer Protection their collection process is erroneous and Midland Credit Managemenr must prove they have a right to : 1 ) Add fees of their own to the payment believed to be owed 2 ) Collect from a consumer in the state of Florida. 3 ) Attempt to collect any monies after the Attorney Generals office interrupted the process. 4 ) Prove they provided documents to me. 
If they continue to do illegal practices I will sue them in small claims court. I certainly will not deal with bullying or discrimination due to my financial status. I will contact Help me XXXX and XXXX XXXX XXXX XXXX because this company conducted soft pulls on my credit and constantly review my credit. This is harassment and illegal. 
I guess they figured theyd use a scare tactic but what they did is against the law.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am the author of this complaint and I have attached a copy of my driver 's license and social security card to verify my identity. I tried to apply for credit and was swiftly denied, which led me to check my credit report. I noticed several creditors and collection agencies that are reporting incomplete, incorrect, and downright fraudulent information. I have attached letters below in the attachments which will show the accounts that I am calling into question. 

The credit bureaus are allowing reporting in such a way that violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681s-2b and 15 USC 1681b are being blatantly violated and from my research all parties can be held civilly liable. 

The credit bureaus are not conducting a reasonable investigation like they are obligated to do
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.