davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NJ)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-25
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)

AFTER MULTIPLE MAILED IN DISPUTES, INACCURATE, CLOSED AND FRAUDULENT ACCOUNTS AND INQUIRIES ARE STILL ON MY CREDIT REPORT. I AM REQUESTING THEIR IMMEDIATE REMOVAL UPON RECEIPT OF THIS NOTICE.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My son has a car loan with Capital One. Since buying his car he has lost his job. I have assisted my son in paying his car note. I have not taken over his loan nor have I signed any documentation adding me as a co-owner of his vehicle or in any way to be responsible for his payments. I am simply a mother helping out her child. 

On XX/XX/XXXX, I telephoned Capital One as I was concerned that my XXXX XXXX had decreased significantly. My call with Capital One had proven to be futile and frustrating as it has previously regarding the same issue. I do not have an auto loan account with Capital One or any bank. Based on online document on bank 's website I am listed as owner. Utterly not true. Something nefarious is taking place with the bank and its employees. 

On the call with the bank I identified myself over and over to the Capital One representative but to no avail. I do not have a signed contract with this bank. Capital One has been reporting me as late every month since XXXX at a cost of {$10.00} per month. On my call yesterday, I asked for a copy of a signed contract that would show my obligation to Capital One that I have an auto loan with them. I was transferred from a Capital representative to XXXX a senior advocacy member in their resolution dept. I was told by XXXX that she has a screen shot on her computer inferring it was signed by me. I asked her to fax a copy and she told me she couldn't as she had to fill out a document to have it faxed to me and it would be in my fax shortly. Nothing came. I have previously called Capital One on several occasions regarding this same issue and it has not been resolved. 

I am concerned that Capital One is irresponsibly committing identity theft. 

RESOLUTION Immediately return all monies paid on behalf of my son and close this fictious and lying account. 
Immediately return all late monthly fees of {$10.00} since XXXX. 
Immediately contact all three credit reporting agencies ( XXXX, XXXX, XXXX ) on my behalf letting them know in writing the egregious error they have caused and return my XXXX XXXX back to XXXX. 

I look forward to your response.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

Hi, Each Credit agency is required to allow folks to freeze their credit reports. Experian has made it extra hard in recent years to do so without paying for or stepping thru loops. 
XXXX XXXX XXXXXXXX is supposed to make it easy and clean but after signing up, and logging into their web site it is hard to find what to do. There is a chat service that points back to above web site, and their XXXX number does not allow you to reach a live agent for this purpose. 
Finally, after finding the hidden menu, it takes you to " Experian XXXX '' which is not a free service. There is a fairly disguised hyperlink on that page that will take you to where you need to go ( it is same color and font and it becomes a hyperlink only after you mouse over it ). 
In short, the consumer is baited an misled via multiple pay services before they can access the free service that they are required to offer by law. They should be made to make this option easy and apparent to access.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have sent out all that was required of me by Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX report.
Consumer complaint received 2024-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On numerous occasions, I have expressed to TransUnion of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice of Each Violation.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal actio XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XX/XX/XXXX I found that my ex-husband applied with Bank of America for a commercial loan with my SS #, and address. After many attempts to find out how they were able to get a credit report for a guy posing as a female. I contacted the Fraud department of Bank of America and I told them happed and they told me that the account be flag as an identity theft, also told me that any application that will come on his name with my SS # will be rejected. Monday XXXX XX/XX/XXXX, I picked up my mail and is a letter from Bank of America addreed to my ex-husband with my address and letting him know that the credit was freeze and to reach out to have that taking care off. This time he applied for a credit card. Bank of America never did what they told me they will do marking his name as a identity theft, he is able to keep trying. I understand they are just doing business but after they know and have a report of the circumstances and have the name and SS # related to the fraud why they keep telling happend. What about my protection. They have a male applying with a female SS # and all is ok. When I called the bank on Monday XX/XX/XXXX the person that took the call told me to go to XXXX If that's the way a banker treats someone compliening about identy ttheft by someone else, I'm not sure how they can treat any one by suggesting to learn how to manage their life. Why the banks allowed people to apply for either a loan or credit card by their website and don't request than the person applying goes to one of their branches and identified them selfs. That should be a protection to the consumer. NOTE : I BEEN DIVORCED FROM HIM FOR 10 YEARS AND IN 10 YEARS I DON'T KNOW ANYTHING ABOUT HIM.
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (IL)

XX/XX/XXXX I switch phone companies From XXXX to XXXX before switching I called XXXX to make the switch I paid my remaining balance and anything left on the bill. Now on XX/XX/XXXX Ic system inc showed up on my credit report saying I owe XXXX XXXX which I paid before I switched from then to now its showing up unpaid
Consumer complaint received 2022-05-02
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer USA, was having trouble with accounts reporting untrue statements towards hundreds of accounts and NOT notifying clients of their own mistake. In XXXX of XXXX, already a year ago, my account was deleted, without my knowledge and my payments have not been sent to the credit bureau after finalizing all the payments to the loan I have had for the last 6 years. Unfortunately, in the beginning of this year, XXXX, the car I now own doesn't run anymore. So I was hopeful to buy a new one, until the dealership notified me that my loan to Santander Consumer USA doesn't exist. 

Such hard work & after asking for their help, they couldn't even expedite the assistance I need at Santander. 

The loan is paid off in full, and in the last 3 months, Santander has not done one thing to fix my issue. Sadly, it domino effected my life, with no credit, I needed to move out with my son a month later. The landlord sold the property I lived in to new folks who illegally raised the rent up $ XXXX more. With no credit or bad credit, you can't rent out an apartment. 

Santander has left us very limited to find a home and to get a new car. This is just another attempt to see if they can fix this issue, an issue I believe hundreds of others have.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I currently am paying off a XXXX XXXX through Comenity Bank/Bread XXXX and recently they did something that does not allow me access to my online account for payments, retrieving online statements or even speaking with an actual human being over the phone. My concerns have just been met with were sorryxyz excuse.. via social media posts. I can not pay over the phone as the card has been destroyed since they stopped taking it in 2020 and all of my statements were online. According to the hundred of other people complaining on social media, even IF I got through they are charging a {$9.00} processing fee to take the payment. As of today my payment is now 5 days late and I have never had a late payment.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

My wallet was stolen there was fraudulent activity on my accounts and now the banks wont allow me to open a bank account. 

I am a victim of identity theft. The fraudulent information listed below is showing on my cret mine. I am officially disputing the fraudulent information and requested an immediate investigation. please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also listed these laws for your convenience.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complaint to help establish a legal recourse. If Experian, XXXX, and XXXX choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... 
Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Reference # : XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Date acct was opened XX/XX/2022. No funds were added to acct. I received an email that an acct was opened in my name. I was able to close the acct. They opened bank account using my social security #
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc. (TX)

I have an explanation of benefits from my health insurance provider showing this was paid in full - there was nothing due by me the patient. Synerprise Consulting is stating they were sent the information from XXXX XXXX XXXX and have no further details of my insurance information. 

I called XXXX XXXX XXXX and they said it is now with collections and they can't do anything. 

It is fraud - XXXX has been fully paid by my insurance provider and this credit collection is incorrect and needs to be removed at once.
Consumer complaint received 2024-10-29
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. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I got a XXXX credit card in XXXX. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed some type of fraud/identity theft. I reported it. I closed this card. I had a security deposit that should have been returned to me, but my account was on autopay. It did not close and kept taking money. It increased my credit card limit, and continued to allow fraudulent charges, and to charge me fees. My security deposit was not returned and they said I owed {$200.00} when they finally closed the account in XX/XX/XXXX. They reported late payments and a {$200.00} charge off when I should have had a deposit returned to me. I provided them with an identity theft affidavit and police report. I have talked to customer service representatives and used the chat, but no one has been able to help me and its still reporting negatively on all XXXX credit reports.
Consumer complaint received 2022-07-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXXXXXX Balance {$73000.00} XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX Balance {$17000.00} XXXXXXXX XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Bankruptcy XXXX XXXX  XXXX  XXXX Bankruptcy XXXX XXXX  XXXX  XXXX Bankruptcy XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CO)

I was trying to see about getting a car when they informed me of a freeze on the account/credit which I am aware of, however when I used the login information for the specific Experian credit reporter it said incorrect login. I tried to reset password despite having it written down previously from XXXX  when freeze was originally placed. I noticed that the email associated was not mine. I have attached the original police report from XXXX when the identity theft first begin and was never followed up on after. I on my own applied the freeze to help as some form of security to protect my credit, and now someone else has access to it who is not me. I need to be contacted as soon as possible to see about this due to me being in a moving transition along with trying to purchase a car making it very difficult with this on going issue.