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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have filed an Identity Theft report and asked the bureau to block the fraudulent information on my credit report. I have submitted the required documents including the FTC Identity Theft affidavit. In response I received a letter telling me they refused to block the fraudulent information. I have literally lost a job opportunity - DURING A GLOBAL PANDEMIC!!! - where the job offer was rescinded because of this fraudulent information on my credit report.
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. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXXXX XXXX
Consumer complaint received 2024-01-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (FL)

I applied for two auto loans with Navy Federal Credit Union for approximately XXXX XXXX XXXX XXXX XXXX XXXX  and was denied. I received letters from Navy Federal Credit Union dated XXXX XXXX denoting the reason I was denied credit as I allegedly caused Navy Federal Credit Union a loss. I subsequently sent Navy Federal Credit Union a letter, delivered XX/XX/XXXX, denoting their violations being denying me, the consumer, credit when I put in a credit application in good faith, and unauthorized use of my credit card because I received no benefit from my credit card being used. On XXXX XXXX I received an electronic message from Navy Federal Credit Union stating they had researched my concerns and I was denied pursuant to their underwriting guidelines, as if they were above federal law and my rights. Then, I drafted a conditional acceptance letter requesting certified documents to corroborate the alleged loss, or a new contract will be created involving me receiving the original credit I had applied for. That letter went out on XX/XX/XXXX, and I am awaiting a response currently.
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXXXXXX 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
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (TN)

I attempted to pay my mortgage ( as always ) on or before the first business day of the month via the XXXX website. When I was not able to do so, I called. They informed me that my loan servicing ( no word on whether the loan itself ) was transferred to XXXX XXXX. 

The problem is, they did not provide adequate notice. The representative said they mailed the notice on XXXX the XXXX. The effective date of the transfer is XX/XX/2018. Even if applying the " Mailbox Rule '', that does not provide 15 days notice. Also note, that they never provided email or other electronic notices.
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. (TX)

It has come to my attention that items are not being removed despite being submitted with an FTC fraud report # XXXX. As a victim of identity theft, this is another request for the removal of remaining accounts from my credit file resulting from alleged identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items not later than 4 business days after XX/XX/2023. I have previously addressed this matter in my prior complaint and am reiterating it here with a new FTC report # XXXX. Furthermore, the information provided on these accounts is UNKNOWN to me and has been REMOVED from other bureaus, casting doubts on their accuracy. The remaining accounts for removal are listed per bureau : -- -- -- -- -- -EXPERIAN 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. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

My Membership Rewards account has been under review for several weeks and I can not transfer my points. I tried several times to transfer but failed.I contacted the customer service and they can not help. 
I do need to book a award ticket recently which may be booked out soon. So please free my account, 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: Experian Information Solutions Inc. (MA)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2017-09-09
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. (CA)

Equifax experienced a security breach that affects 143 million individuals. I checked their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) to determine whether or not I was potentially impacted, and the results say that I  am. 

I have requested a 90-day fraud alert to be set up so that I am aware of any attempts made at stealing my identity.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
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 2024-01-12
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. (FL)

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES : XXXXXXXX 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 XXXXXXXX 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 XXXXXXXX I AM A VICTIM OF IDENTITY THEFT
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. (FL)

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
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. (UT)

I have been disputing negative items with the three major credit bureaus for over a year now and have yet to receive any results. XXXX, Equifax, or XXXX  have yet to provide me with any answers and I have erroneous items on my credit. So far, I have seen no progress nor have the bureaus been of any help. How is it possible that after over a year of disputes, they haven't received a single complaint of mine? There are serious inaccurate items reporting that must be removed.
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. (MD)

My rights were violated. A charge off is a certificate of indebtedness and that is income. 
Income can not be reported on a credit report. 

5 USC 552a Per the Privacy Act of 1974 These agencies have continuously violated my request to remove the income off of my credit report causing me immense harm. They stated that they will continue to report the income on my report for XXXX years.
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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: 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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-09
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. (PA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. The breached information includes SSN, home address, birth date and drivers license number.
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)

Per the 1974 Privacy Act and 15 USC 6802,6803,6804 and 6805. I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all accounts from reporting to third-party companies such as Experian, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX I am exercising my rights as a federally protected consumer under Fair Credit Reporting Act and related statues for consumer protection. I have yet to hear back from XXXX XXXX XXXX XXXX in regards to my request. I ask that they immediately remove all correspondence with any third-party agencies per my request and have all third-party agencies update their files per my request. I have never giving XXXX XXXX XXXX XXXX any permission to share my accounts with any third-party agencies. I uploaded the letter that was sent but never received a response to this demand.
Consumer complaint received 2020-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (GA)

I contact Midwest Recovery Systems three times to see the nature of the debt. I have never conducted business with this company of any affiliates. I have asked the representatives to verify the debt to which they could not find any information regarding me ever having an account with them. To no avail I have tried to dispute this from my credit report. It is effecting my credit score because it shows up as a collection. However I do not owe this company anything because I have never had any business with them or any of their affiliates.
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. (LA)

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 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. (WI)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (NM)

To Whom it Concerns : I want to share my current experiences with Equifax in attempting to freeze my credit. This service is free to those of us over 65, but costs others $ XXXX per request. Given the current situation, this should be free at all three services ( XXXX and XXXX being the other two ). My experience in doing this at the other two went without a hitch. Equifax has been a nightmare so far. 

I attempted to initiate a freeze at Equifax on XX/XX/XXXX. Once I was able to find the free site ( I had to use XXXX to find it since their own site kept leading me to one of their monitoring products costing {$19.00} ) I provided the needed info to confirm my identity. Then I went to a page that was to give me the PIN needed to unfreeze the account in the future. Well, the pdf that was supposed to appear did not, providing only an error message. There was no way to re-submit or refresh the page. I tried calling the companys XXXX XXXX to XXXX, 7 days-a-week, service line ( that info and number was on their website ) and was told they are only available during business hours, M-F. I also attempted to re-register for the freeze thinking it might have not gone through, but found out it did. I am now locked out from unfreezing my information for future credit checks. Needless to say, this could be problematic in the future if I need to apply for insurance or credit since they all check your credit. 

If I am able to get this fixed easily with a future phone call, I will update you. However, the prognosis for this is not good since they will probably want documentation that I am who I say I am. 

Hopefully, you can get some serious conversation going in Congress about this problem. I am tired of being used and abused by American financial companies. Its time that we took back control of our personal and financial information. Given the dangerous ramifications of this breach, it also may be time to legislate how this information is stored and by whom. New social security numbers may also be necessary for those of us who have been compromised.
Consumer complaint received 2015-08-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (RI)

Account was open on XX/XX/XXXX with a credit limit of {$250.00} plus unemployment and XXXX insurance which was paid on time till XX/XX/XXXX, when I became ill and out of work the account balance was {$69.00}. I contacted the insurance with no result, by XX/XX/XXXX I was contacted by Chase -Bank regarding the closing of the account which I agreed, also late payments and fees, I was given the opportunity to settle the account by allowing Chase-Bank to make XXXX automatic withdrawals of {$81.00} each starting XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my checking account. 
Copy of my account automatic withdrawals are enclosed. I hope this information clarifies your records and reestablishes mine.