davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$42000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MN)

I did have my checking account went overdraft due to a unexpected charges and after that time, I lost online access to my account due was unable to verify this due to illness that cause my entire family to be home. My account was closed and later after I recuperated from the illness, they informed me, and I told them to deduct the amount from my saving due to the fact that my pay is deposited on my saving account. 

Unfortunately, they couldn't take this fund out of my account for unknown reason. I had to call and setup a date to which is the XXXX of XXXX to get this taking care of. 


Please assist me in this situation, as I need any negative comment remove from my account to enable me to open an account for my business.
Consumer complaint received 2024-08-21
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. (VA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX # XXXX - BALANCE {$6900.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-21
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 writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I confirmed via phone, multiple times, a passed due loan amount of exactly {$65000.00}, ( a pay off quote for my 2nd mortgage ), with Select portfolio Servicing ( SPS ), during the last week of XXXXXXXX XXXX. I was given a due date of XX/XX/2023. I paid the debt on XX/XX/2023 around XXXX, via wire transfer, which cost me a bank fee of {$30.00}. I confirmed with SPS within the next 48 hours, that they had received the payment, as my bank account showed that the funds were withdrawn. On the evening of XX/XX/2023, I discovered that the payment was returned to my account. I contacted SPS around XXXX the following morning. I was told that I had paid an insufficient amount, thus the payment was returned. I explained that my payment, was the exact payment I was directed by SPS to pay. I then asked to speak with a manager XXXX XXXX XXXX, who told me that she would escalate the matter to another department, and contact me with a decision. I told her that I would check on the status after 2 hours. When I checked on the status, I found out that the manager had requested that the bank accept less of a payment than what I owed, which was not my request. I asked the agent who gave me the update, to correct the request, to reflect that I was seeking a refund of my wire transfer fee, and that no additional interest fees are added, as the misinformation from SPS led to the return payment. She said that the bank would likely decline that request, and they would not discount any fees, or return any fees. This led to my complaint here today. 


Thank you XXXX XXXX ( name on SPS account )
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-09
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NY)

Dear CFPB, I am writing to express my dissatisfaction with the handling of a new customer coupon that was promised to me when I opened a savings account with Chase. Unfortunately, the coupon was not applied correctly, resulting in a significant loss of the bonus I was entitled to. Below are the details of the issue : XXXX. Coupon Code Not Applied Correctly : On XX/XX/XXXX, I visited a Chase branch to open both a checking and a savings account ( please refer to the attached account opening receipt, which includes the branch 's name ). I provided the banker with a promotional email from Chase containing a coupon code for a {$900.00} bonus ( please refer to the attached pdf ). The banker assured me that the code was entered into the system and proceeded to open both accounts. However, despite this, the coupon code was not applied to my savings account as expected. 

2. Misleading Information in the XXXX XXXX : I was informed that a coupon tracker would appear in the Chase mobile app to confirm my enrollment. However, I did not receive any such notification, leading me to believe that the entire {$900.00} coupon was successfully enrolled. I received the {$300.00} bonus for my checking account after making a direct deposit, which further reinforced my belief that the savings account portion of the bonus was also in process. 

XXXX. Coupon Expiry and Unresolved Issue : In early XXXX, after completing all the requirements for the {$900.00} coupon, I noticed that the bonus was not reflected in my account. Upon contacting customer service, I was informed that the coupon had not been applied to my savings account. I was then advised to visit the branch to resolve the issue. However, the banker informed me that although he had entered the coupon code for both accounts, the system only recorded it for XXXX. When I returned to customer service, I was told that the coupon had expired in late XXXX and could not be reinstated. This is especially frustrating as I later found information online indicating that the coupon had been extended until XXXX ( see attached screenshot of Chase official website ). 

The entire process has been incredibly time-consuming and frustrating. I trusted that the branch would handle this correctly from the beginning, but due to errors on Chase 's part, I am now missing out on {$600.00}, as well as any potential income from the {$15000.00} balance that I maintained in my savings account. 

I am not the only customer who has experienced this issue, as there are numerous similar cases reported online. It is unfair that customers like me, who follow the requirements in good faith, are penalized due to system errors. I strongly urge Chase to address this issue promptly and ensure that the promised bonus is credited to my account. If this situation is not rectified, I believe more customers will face similar frustrations in the future. 

I appreciate your attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-08-21
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. (IL)

I am writing to formally dispute certain hard inquiries and accounts that appear on my credit report. I believe these inquiries and accounts were either unauthorized or inaccurately reported, and I request that they be removed immediately. 

Hard Inquiries to be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not authorize this inquiry and this inquiry should not be on my report. 

I am writing to dispute the following collection account that appears on my credit report. This account is inaccurately reported, and I am requesting its removal under the Fair Credit Reporting Act ( FCRA ). 

Account to be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts above does not belong to me and needs to be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me should appear on my credit report. Since I did not authorize these inquiries or accounts, they must be removed immediately. 

Please find enclosed a copy of my credit report with the disputed inquiries highlighted. I request that you investigate and remove these unauthorized or inaccurate inquiries from my credit report as soon as possible. 

I expect to receive confirmation that these inquiries and accounts have been removed, as well as an updated copy of my credit report, within 30 days as required by the FCRA. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-21
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. (NV)

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) this it not mine inreporte to the police ..please removed from my credit report
Consumer complaint received 2024-08-21
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. (CA)

My husband ( divorce pending ) opened 2 fraudulent debts, consisting of a balance transfer/credit card and a personal loan opened solely in my name, without my knowledge or consent. My personal identification information was used to apply/transfer these debts without my knowledge. This occurred within days ( XXXX XXXXXX/XX/year> ) of notifying him of my intent to separate. I was not made aware of these fraudulent balances until I ran a credit report ( XX/XX/year> ) The open loan balance was not authorized by me and I did not receive, utilize, or benefit from the loan funds. My husband also authorized a balance transfer from one of his other credit cards to a XXXX card in my name without my authorization. The balance transferred to this card does not belong to me and is not the result of a debt of mine. I did not receive funds, utilize, or benefit from either of these debts, which was done without my knowledge or consent. 

I have routinely contacted XXXXXXXX XXXX to investigate and reverse these open balances. The process has been overly arduous and they are unwilling to provide key information including the mailing address for the fraud claim filing. The loan was applied for online without any identity verification process and XXXX has not been willing to share a copy of the original application. They have been resistant to help generally. XXXX is refusing to investigate further despite the information I have provided and their own lack of proper fraud prevention protocols.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

I suffered an identity theft after my wallet was stolen. I received my credit report from SageStream and found a lot of inquires that were not authorized by me and were made without my knowledge or approval. All of the inquires from XX/XX/year> to XX/XX/year> were not authorized by me and were done without my knowledge or approval. I filed a police report and have attached it here.
Consumer complaint received 2024-08-21
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. (IL)

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the allieged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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
Consumer complaint received 2024-08-09
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Complaint and FCRA Violation To Whom It May Concern, I am writing to formally lodge a complaint regarding an unresolved identity theft issue that has affected my credit report. I filed a dispute with Equifax on XX/XX/year>, concerning a fraudulent account that appeared on my credit report under the name XXXX XXXXXXXX XXXX. 

The account in question is as follows : Account Name : XXXX XXXX XXXX  Reported Date : XX/XX/year> Amount : {$8400.00} According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681c-2, credit reporting agencies are required to block the reporting of information that a consumer identifies as resulting from identity theft within four business days after receiving appropriate proof. Despite this, Equifax has failed to take action within the prescribed time frame. 

Moreover, the FCRA mandates that credit reporting agencies complete an investigation of disputed items within 30 days of receiving a dispute notice ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Equifaxs failure to resolve this dispute in a timely manner has caused undue stress and continues to negatively impact my credit standing. 

I have provided Equifax with the necessary documentation, including my identity theft report and other relevant evidence. However, they have not yet complied with their legal obligations to correct or remove the fraudulent information. 

I respectfully request the CFPBs intervention to ensure the following actions are taken : 1. Immediate investigation and resolution of the disputed account. 
2. Removal of the fraudulent account from my credit report. 
3. Issuance of a corrected credit report reflecting the removal of the inaccurate information. 
4. Assurance that Equifax is held accountable for failing to adhere to the FCRA requirements. 

Enclosed are copies of my correspondence with Equifax, the police report, FTC Identity Theft Affidavit, and other supporting documents. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue as quickly as possible. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!