davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally complain against Experian regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only one name and one address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies. 
Additional Documentation : I have attached copies of documents that support my identity and residence. 
Thank you for your attention to this matter, and I look forward to your prompt response. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, I opened a letter from Wells Fargo dated XX/XX/2021 that was mailed to my parents address. The letter stated that a personal loan application in my name was denied. This was a fraudulent application as I did not apply for a loan. On XX/XX/2021 I called Wells Fargo and discovered that in addition to the fraudulent loan application, fraudulent credit card applications were submitted and a fraudulent checking account was opened under my name. I reported this as identity theft and submitted a fraud claim with Wells Fargo for all accounts. Wells Fargo acknowledged that the personal loan and credit card applications would be closed and would request the credit agencies to remove the inquiry from my credit report. 

I later received a letter dated XX/XX/2021 from Wells Fargo stating that my fraud claim on the checking account was denied that I am responsible for all charges on the account as a welcome package and email had been sent during account opening. This fraudulent account was opened without my knowledge and I never received a welcome letter or email to be aware that this account even existed. The email address they had on file was a fraudulent email address and is not my email address. Also the home and mailing addresses they had on record were also fraudulent. I went into the branch to obtain copies of the transaction history and discovered the account also has multiple fraudulent checks deposited. I had multiple calls with the Wells Fargo Online Fraud Claims department and they refuse to reopen the investigation and provide any assistance. 

I filed a police report and FTC Identity Theft Report.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality u Der 15 USC 1681. XXXXXXXX XXXX  XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. It also state 's a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I sent letters questioning the inaccuracies reported on my report by these 2 bureaus. These letters were sent over 45-60 days and I have yet to hear anything regarding what they have found. Its really upsetting because this is the SECOND time this year I've had to come to you guys because they have NOT been honest, accurate, or on time ever! Through this stressful long hard year in 2020 I have no other options I just want these inaccuracies removed so that I can move on to accomplish and succeed and not be looked down upon by these inaccuracies on my report. The rules are the rules and we can not continue to let them hold people back from the mistakes these credit agencies make. Please hear me out and act accordingly as since the 60 days has past and no response, these inaccuracies should be removed now!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, Equifax and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. XXXX responded via USPS with a letter dated XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting accurately. A second letter was mailed today ( XX/XX/year> ) via USPS certified signature required with further violations highlighted. I pray they cure the deficiencies by fixing or deleting the inaccurate items as required by law. 

***Attached to this complaint is : Initial statement of inaccuracies dated XX/XX/year>, delivered to XXXX XXXX XX/XX/year> XXXX XXXX response dated XX/XX/year>, delivered to consumer ( me ), XX/XX/year> Consumer 's ( my ) 2nd correspondence to XXXX dated XX/XX/year>, mailed USPS certified mail today, XX/XX/year>
Consumer complaint received 2021-11-04
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: EQUIFAX, INC. (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint against Experian for their failure to perform due diligence in investigating inaccurate information reported on my credit report. As a consumer, I rely on credit reporting agencies to provide accurate and fair reporting of my credit history. However, Experian has failed to uphold this responsibility. 

Despite my repeated efforts to dispute the inaccurate information, Experian has neglected to conduct a proper investigation as required by the Fair Credit Reporting Act ( FCRA ). This negligence constitutes a violation of 15 U.S. Code 1681, which mandates credit reporting agencies to ensure the accuracy of the information they report and to investigate any disputes thoroughly and promptly. 

The continued presence of this inaccurate information on my credit report has caused significant harm to my financial reputation and has resulted in adverse consequences. I have provided Experian with all necessary documentation to support my dispute, yet they have failed to correct the errors within the required time frame. 

I am formally requesting that the CFPB intervene and take the necessary action to ensure that Experian fulfills their legal obligations to investigate and correct inaccurate information. Furthermore, if Experian does not rectify this situation within the next 10 business days, I will seek legal action for defamation and any other applicable claims due to their negligent reporting and failure to correct these inaccuracies. 

I trust that the CFPB will address this matter promptly to prevent further harm to my financial standing and to hold Experian accountable for their failure to comply with federal regulations. 

Thank you for your attention to this serious matter.
Consumer complaint received 2024-10-22
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)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NY)

I am XXXX XXXX XXXX. In XXXX of 2021, I was scheduled for XXXX XXXX XXXX. My doctor asked me to go to the XXXX for a check up beforehand for routine cleaning and X-rays. I did not have a XXXX, so I used a XXXX referral number and chose a location near where I live. When I went to the XXXX they had me fill out a lot of paperwork and they did procedures on me that I do not believe were necessary and which went far beyond what I had requested. They gave me an estimate for the work and had me sign off on it. As I was leaving, I asked them to send me a bill so I could pay them by check. I never received a bill from the XXXX. Some time later, I received a credit card from a company named CareCredit. I had never heard of CareCredit, so I believed I had been a victim of identity theft and called them several times to let them know I had not opened the account, but they did not get back to me. About a year later, I received a debt collection letter from a law firm claiming to represent Synchrony Bank which issued the credit card. I told them it was not my card and I had not applied for it. They did a fraud investigation and said it was my card and for the first time I learned that the XXXX had signed me up for the credit card without my knowledge or consent. I was never given the terms of the account before charges were made.
Consumer complaint received 2020-07-10
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 — Investigation took more than 30 days
Company: Security Credit Services, LLC (GA)

I am a victim of id theft, I have disputed several of my accounts with the credit bureaus, XXXX XXXX XXXX XXXX, I have requested that they prove these accounts are mine, I asked for contracts with my signature on it, etc. The would simple respond that I need to contact them furnisher directly etc. They asked me to provide police report etc, First off I am a XXXX man in XXXX. I am not going to the police to report anything, I tried to get a police report done online but my local police does not allow that. I am asking you to get involved because the credit bureaus seems to side with debt collectors. Further more I asked the credit bureaus to correct my reports due to the fact that XXXX  would delete a certain account on my file but XXXX will say they verified the account. so my profile is not accurate due to the fact that they are not reporting correct information.
Consumer complaint received 2020-07-10
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 — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC (GA)

I am a victim of id theft, I have disputed several of my accounts with the credit bureaus, XXXX, XXXX   and XXXX, I have requested that they prove these accounts are mine, I asked for contracts with my signature on it, etc. The would simple respond that I need to contact them furnisher directly etc. They asked me to provide police report etc, First off I am a XXXX man in America. I am not going to the police to report anything, I tried to get a police report done online but my local police does not allow that. I am asking you to get involved because the credit bureaus seems to side with debt collectors. Further more I asked the credit bureaus to correct my reports due to the fact that XXXX would delete a certain account on my file but XXXX will say they verified the account. so my profile is not accurate due to the fact that they are not reporting correct information.
Consumer complaint received 2020-12-20
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: Experian Information Solutions Inc. (NJ)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC (NY)

Deposited XXXX Ethereum, XXXX Bitcoin, XXXX Polygon, XXXX USD Coin, XXXX XXXX Dollars and XXXX XXXX into Celsius Network as loans ( in exchanged for " rewards '' /interest ) with the supposed ability to be able to withdraw the funds at any time. 

However, the funds ( approximately $ XXXX in market value ) are now completely frozen and unable to be withdrawn. I am filing a complaint as I believe that Celsius has been dishonest and fraudulent about what it was doing with the borrowed consumer funds, riskily trading without the proper controls. 

Celsius is deeply insolvent and lacks the assets and liquidity to honor its obligations to account holders and other creditors. Celsius deployed customer assets in a variety of risky and illiquid investments, trading, and lending activities. Celsius compounded these risks by using customer assets as collateral for additional borrowing to pursue leveraged investment strategies. Additionally, some of the assets held by Celsius are illiquid, meaning they may be difficult to sell, and a sale may result in financial losses I would like to find a way to be able to withdraw my money, as originally promised by the company per their terms and conditions.
Consumer complaint received 2020-12-20
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: Experian Information Solutions Inc. (NC)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I had a no-contract cell phone account with XXXX mobile but found a better cell phone deal with XXXX, so I paid my XXXX bill AND the balance owed on my devices and switched providers. I have my bills showing my {$0.00} balance to XXXX, screenshots of my deactivated phones, as well as my " Welcome to XXXX XXXX' bills showing the corresponding dates. Approximately a year ( or more ) went by before a debt suddenly showed up on my credit report for XXXX mobile. I called XXXX and the representative assured me she sees NOTHING showing I owe them anything. I did ask her for something in writing but for whatever reason, she said she was not able to do that. I then started disputing it with the credit agencies but each time it gets deleted then returns with a new company or will come back as " updated ''. My score has taken a XXXX dive because of this phantom debt I do NOT owe. It is my belief that XXXX XXXX ( for whatever reason ) attempted to auto-bill my credit card on file MANY months after my account was already switched to a different provider. They were never able to successfully charge me though because I had lost my XXXX card and was issued a new number. Regardless, this is not a valid debt.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (SC)

Due to Covid19 and Covid19 unemployment, I am unable to pay my monthly payments on the account. Prior to defaulted on my accounts, I requested deferred payments, but I was informed that Chase didn't have any additional payment options for my account. I expressed that my unemployment wasn't enough to pay for my monthly living cost. Therefore, it would be impossible to pay over $ 600 monthly for all three accounts.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX. ) Account # 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 XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CA)

My Father recently passed away on XX/XX/XXXX He had been sick for some time and was in and out of the Hospital including a XXXXXX/XX/XXXX We received a notification from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Addressed to my Mother XXXX XXXX from XX/XX/XXXX Account XXXX AmSher Account XXXX Indicating that we have to pay a debt of {$450.00} First of all y mother had no access to my anything in the house. All billing in the house was under my father 's name, XXXX Looking back into his records I see credit card charge of XXXX starting XX/XX/XXXX each month until a last payment of XXXX ending in XX/XX/XXXX I can tell you that my father returned the equipment based on our request and was provided boxes by XXXX XXXX cancelling his subscription We have never received any additional request from XX/XX/XXXX that this amount We, my brother and I, took over his responsibilities for all his expenses in XXXX including the remaining mortgage on his home After cancelling many of the things he had and since he was going to a home to live out his life we never received anything from XX/XX/XXXX of money owed nor have they reached out to us via mail or email or phone call that money was owed Now, I received this collection letter from this company saying my MOTHER who is also in a retirement home owes this money Need to know how to resolve this. Calling this company is admission of fault and do not want to have that