davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TN)

I have been writing back and forth to you and all XXXX Credit Reporting Bureaus. Several items have been removed, however, I have requested ( 4th time ) a copy of my updated credit report from each of the agencies. Please have them mail a copy of my updated, corrected credit report w/credit score to me at : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am still having problems with XXXX XXXX.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

Experian XXXX Account Number ( XXXX ), Name ( Collection Account ), Amount ( {$340.00} ) -- -- -This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with. 

XXXX Account Number ( XXXX ), Name ( XXXX ) -- -- -This account is due for removal XXXX. Now when it got close for it to be removed it changed to a later date. It 's been negatively reporting on my credit for 7 years already. Please remove ASAP. 

XXXX Account Number ( XXXX ), Name ( XXXX XXXX XXXX ), Amount ( Unknown ) -- -- -This account has been transferred and is reporting properly on same report. Please remove this from credit as it is a duplicate with a unknown amount that 's hurting my credit. 

XXXX Account Number ( XXXX ), Name ( XXXX XXXX XXXX ), Amount ( Unknown ) -- -- -This account has been transferred and is reporting properly on same report. Please remove this from credit as it is a duplicate with a unknown amount that 's hurting my credit.
Consumer complaint received 2022-06-21
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)

OFFICE OF THE ATTY GEN In accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Experian is reporting an account ( the only bureau of the XXXX major ) for XXXX XXXX / XXXX XXXX XXXX as delinquent in 2015. The store is not even in existence. It closed years ago. I paid off and settled the account 5 years ago. They continued to show late payments as early ago as last year. They do show it was settled but they have the wrong dates and the wrong status after. This is hurting my ability to get a home loan and it is incorrect.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MO)

SERVERAL ADDRESSES WERE INCORRECT ON MY CREDIT REPORT. I HAVE NEVER LIVED AT THESE ADDRESSES. 
- 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 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Good Evening, Spent several years disputing and sending letters to request update on accounts that have been deleted off XXXX and several on XXXX. Recently sent certified letters showing proof from companies that show accounts were paid in full. Credit bureaus refuse to update status to reflect such. Or remove inaccurate information causing for credit scores to remain low. Causing denial of services and products..
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (SC)

To whom it may concern, I recently applied for credit with my bank and was declined because of a a low credit score. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible minority individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suite to challenge the status quo of the following organization. These agencies consist of Experian, XXXX and XXXX. Please inform me about how I can pursue to challenge and correct this matter, XXXX - XXXX
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

There is a hard inquiry on my credit report that should not be there. I disputed the account with XXXX XXXX XXXX and they removed the account from all of my credit reports, but the inquiry is still there. I would like this inquiry removed since I did not open this account in the first place. I have attached the letter from XXXX XXXX XXXX.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

This has been going on for years. I now want to replace my car, so I 'm going at it again. Experian for years repeatedly attaches to my record bad, probably fraudulent debts, connects me to addresses I have never had any connection to. When I 've tried to dispute these items I get form notifications saying that they are my debts and addresses, etc.. I 've lived at XXXX addresses in the past 30 years, incur no debts ( I did have a dispute with XXXX ). I will attach the letter I sent to XXXX and the letter I will send to the XXXX credit reporting agencies. I feel shame, frustration, hopelessness. Did I XXXX someone off? How can anyone repeatedly do this unless their intentions are malicious?
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

EXPERIAN HAS XXXX XXXX INQS LISTED, THERE SHOULD ONLY BE XXXX DATED IN XXXX THEY WILL NOT REMOVE THE OTHER EXPERIAN WILL NOT REMOVE NAMES NO LONGER ASSOCIATED WITH ME SPECIFICALLY XXXX EXPERIAN WILL NOT UPDATE MY FRAUD NUMBER TO XXXX XXXX EXPERIAN WILL NOT REMOVE THE RBFCU FRAUD ACCOUNT EXPERIAN WILL NOT PROVIDE ME A COPY OF MY FULL FILE DISCLOSURE
Consumer complaint received 2022-06-21
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. (MO)

I received an email alert from XXXX credit that said my email and social had been detected on the dark web. Later that day I changed most of my passwords due to this being the XXXX time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. XXXX was for XXXX with an approval for XXXX XXXX XXXX. I emailed the company that night and said I did not authorize nor apply for credit or a loan. A month later I got a reply to call however I was at work. When I did follow up it took XXXX XXXX to tell me the card was active and being used online with purchases in multiple states. The follow week I got a bill in the mail for over $ XXXX.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2022-06-20
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. (TX)

For 5 years, I have requested from Experian the permissible permission used by their money making client, XXXX XXXX XXXX XXXX ( XXXX  ) in XX/XX/2017. For 5 years, both companies play deceitful games, and ignore. XXXX sent the attached but it is not the correct permissible permission used because it is undated. Hopefully their is one employee with intergrity and intelligence to get this done.
Consumer complaint received 2022-06-20
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  - The XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Department of ED XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
Florida XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX ) has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXXXXXX XXXXk has violated my rights XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
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 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 2022-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

dear cfpb, i am have a problem with paypal account because my paypal account get permanently limit account without unknown explanation on XXXX XXXX XXXX, i have {$140.00} balance on paypal account, before my account limit i have give my identification for verification account paypal. 
i hope my account can reuse. 
thanks you.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IL)

On Wednesday, XX/XX/2022, I discovered that my Bank ( BMO Harris ) had cashed a check against my account in the amount of {$5100.00} on XX/XX/2022 which was payable to XXXX XXXX. I had written the said check ( # XXXX ) on XX/XX/2022 for the amount of {$20.00} payable to XXXX XXXX XXXX  XXXX XXXX XXXX. In looking at the copy of the cancelled check it was obvious to see that all the details had been altered, date, payee, amount, and my signature. I was told that I needed to file a police report ( because of the amount of the fraud ) and that the bank could not begin an investigation until they had the report. I filed the report and the bank received a copy of that report on Friday, XX/XX/XXXX. I was told that an investigation would take between 30-45 working days and that " day one '' began when I reported the fraud which was XX/XX/XXXX ) Further communication with the bank manager has been poor. I feel there has been limited communication and I only learn things when I call them. When I talked to the branch manager on XX/XX/XXXX, that I anticipated my money being returned on XX/XX/XXXX ( 45 working days from initial complaint ) ; I was told the following, " she misspoke about the 45 days and that the fraud department would now need 60 to 180 days to determine the outcome of my fraud investigation. '' I expressed my displeasure at hearing this news and asked why the bank continued to move the goalpost on returning my money. I was told that it had to do with the amount of the fraud. I called the main BMO bank in XXXX and repeated the details of my story to their customer service department. I was told that my conversation would be shared and listened to and that my situation would be rectified. Needless to say nothing has been done. I am still waiting for the money ( {$5100.00} ) to be returned to my account. I am tired of waiting and I hope by filing this report that something can be done to return my funds to my account immediately.
Consumer complaint received 2022-06-21
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX, ( XXXX ) DEPT OF EDUCATIONXXXX XXXX XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX,
Consumer complaint received 2022-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

My case : I have fell victim to a backdoor scam on the XXXX platform. I have been trading on a site similar to it and now I can not withdraw my funds. My funds are locked on the platform. I used my Coinbase account to transfer ETH to the platform which does work and syncs up with the exchange. I was able to transfer ETH from the back door platform site to my Coinbase and then my bank so it is real. However, now I am being told that I cant withdraw my funds until I pay my share. I have all hashes, screenshots, wire transfers with my bank to the Coinbase exchange, and wallet IDs on the platform. I also have contact details with a representative from the platform and the platform URL/domain. Please assist me in reversing this whole situation. Its a nightmare and I want justice or at the very least what I put in. Please contact me at my cell number XXXX to discuss further.
Consumer complaint received 2022-06-21
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. (AZ)

YOU BROKE THE LAW Experian Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). 
This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. 
Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness.

Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights.

Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. ( See attached documents ). 
Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC

1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation.

Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ( See attached documents ).
Consumer complaint received 2022-06-21
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OR)

Due to CPI being added to my account during the length of the loan, my payments were incorrectly labeled as late. This is showing on my credit report and has been a major disruption to gaining credit and loan rates. I have asked that the correct be made on my credit report several times. Since I have been awarded a decent amount of money due to this negligence, I think it would be the right thing to reflect accurate information on my credit reporting. Please update asap. 

Thank you
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (TX)

On or about XX/XX/XXXX I initiated a balance transfer in the amount of {$5800.00} from a Chase XXXX  credit card and {$3200.00} from a Chase XXXX XXXX XXXX card to a XXXX XXXX  credit card. 

The balance transfer posted to my XXXX XXXX credit card on XX/XX/XXXX. A corresponding credit to the Chase XXXX  credit card and the XXXX XXXX XXXX card did not post that day. 

On XX/XX/XXXX I contacted Chase to inquire about the status of the balance transfer. I was informed that balance transfer credits take between four and five business days to post and that the XXXX is not counted in this waiting period. Thus, I will be charged interest on the already transferred balance through at least XX/XX/XXXX and possibly through to the XXXX. 

There is no possible way that it really takes four to five business days for this to post. This is predatory and an excuse for Chase to charge interest as well as make use of the funds sent by XXXX before they post to my Chase credit cards.