davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

On XX/XX/year> I had opened a checking account with BMO Bank. I had made a deposit of {$15000.00} the day I had opened the account. After my initial deposit cleared 5-7 days later I was informed that I needed to come down to the bank because they were closing the account due to my credit score being low at which time I was issued a cashiers check from BMO Bank in the amount of {$15000.00} ( the balance of my account. I then took the cashier 's check to BMO Bank ( since they were the bank who issued the check ) and the bank teller informed me that they did not have enough funds to cash it and that I would need to take it to another bank because they do not have enough money to cover it.. This is a serious violation and I will be getting legal assistance regarding this matter. I feel I was discriminated against because of the color of my skin.
Consumer complaint received 2024-09-24
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. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX | DOBXXXX Experian Legal Department XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiries I hope this message finds you well. I am writing to formally dispute several unauthorized credit inquiries on my credit report. This dispute is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), and I respectfully request that you take immediate action to investigate and resolve the matter. 

Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) I have the right to dispute any inaccurate or incomplete information on my credit report. These inquiries are unauthorized and should be considered erroneous. I kindly request that you investigate the disputed inquiries and provide me with a resolution. 

Section 609 ( 15 U.S.C. 1681g ) Under this section, I have the right to access all information contained in my credit report, including the inquiries that have been made. After reviewing my report, I have identified the inquiries listed above as unauthorized. 

Section 604 ( 15 U.S.C. 1681b ) This section details the permissible purposes for which a consumer report can be accessed. I did not authorize any entity to make these inquiries, and there appears to be no permissible purpose for their inclusion in my credit report. 

Additionally, pursuant to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ), it is well-established that the FCRA requires strict compliance with the permissible purposes for credit inquiries. Unauthorized access to credit reports is a clear violation of this provision, and any inquiries that do not meet the criteria of section 604 must be removed. 

Furthermore, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) reinforces the responsibility of credit reporting agencies to remove unauthorized inquiries, as they have a duty to ensure that their reports are accurate and comply with the permissible purposes under the FCRA.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXXHolder filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX {$200.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$580.00} XXXX XXXX  Bankruptcy XXXX {$0.00}
Consumer complaint received 2024-09-24
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. (MS)

I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. The accounts listed below do not belong to me and were fraudulently opened using my personal information.
Consumer complaint received 2024-09-24
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. (SC)

On numerous occasions, I have expressed to Experian of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. Experian does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave Experian 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-24
Product: Credit reporting 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: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-24
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. (AZ)

Upon reviewing my credit report, I found several inaccuracies. The Experian and XXXX credit bureaus must validate this accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting accounts as unverified information without providing any proof within the legally mandated timeframe. The following accounts must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : XXXX XXXX XXXX Balance : {$7000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7100.00}
Consumer complaint received 2024-09-24
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. (GA)

I noticed several inaccurate inquiries on my credit report. I tried reaching out and sending letters to credit bureaus and no action has been taken. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX fin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-05
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. (MS)

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX   however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-24
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-24
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. (AZ)

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$7300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX XXXX continues to violate my right to privacy by continuing to harass me by submit negative, harmful and detrimental information to the three credit reporting agency. This is continuing to be done because I asked them to validate a debt and they have not.They refuse to validate a debt and instead continue to attack my character thru unlawful reporting. Pursuant to Federal Law 15 USC 1692g their continuing to report harmful, character deeming information is against my rights as a Consumer. Furthermore, pursuant to 15 USC 1681 under the FDCPA I have a right to privacy. I did not give them permission to report anything to anyone. 
In addition, XXXX, XXXX, and Exquifax continue to allow them to report and I did not give them permission either. I am the Consumer, I have a right to privacy. They can do as they wish to a citizen but NOT to a natural person, consumer, citizen of heaven.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Subject : Request for Investigation and Removal of Inaccurate Charge-Off Information from XXXX XXXX  Dear Sir/Madam , I am writing to request an investigation into the inaccurate Charge-Off information appearing on my credit report provided by Experian, XXXX and XXXX. This information is incorrect, and I request its immediate removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable laws. 

Account Information : Account Number : # XXXX Creditor Name : XXXX Basis for Dispute : **Inaccuracy of Information : ** The information reported is incorrect. **Inaccuracy of Information : ** The charge-off information reported is incorrect. Date Opened : Only reported by Experian XX/XX/XXXX, Date reported : Only reported by Experian XX/XX/XXXX, Reported Balance : Only reported by Experian {$1700.00}, Comments : Only reported by Experian ( Unpaid balance reported as a loss by credit grantor ). The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Subject : Request for Investigation and Removal of Inaccurate Charge-Off Information from XXXX Bank Dear Sir/Madam , I am writing to request an investigation into the inaccurate Charge-Off information appearing on my credit report provided by Experian, XXXX and XXXX. This information is incorrect, and I request its immediate removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable laws. 

Account Information : Account Number : # XXXX Creditor Name : XXXX Basis for Dispute : **Inaccuracy of Information : ** The information reported is incorrect. **Inaccuracy of Information : ** The charge-off information reported is incorrect. Date Opened : Only reported by Experian XX/XX/XXXX, Date reported : Only reported by Experian XX/XX/XXXX, Reported Balance : Only reported by Experian {$1700.00}, Comments : Only reported by Experian ( Unpaid balance reported as a loss by credit grantor ). The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Consumer complaint received 2024-07-25
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. (FL)

I just looked at my credit report and was shocked to see the numerous amounts of errors listed. 

i notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. 
I am writing to have you remove them immediately. 
experian, XXXX, and XXXX company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency

may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-09-24
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (KY)

I have been waiting weeks on being refunded for bill payments to my chase card XXXX. I have called chase multiple times and was assured that this money was being refunded to the bill payment source. On my most recent call to Chase I was informed that the payment refund was delayed, and I was not given a timetable on how long it would take to receive the refunds. 
Below are the payments to card mentioned above and am including Chase acknowledgement reference numbers given by the billpayer. 

XX/XX/23, {$3900.00}, Chase XXXX : XXXX XX/XX/23, {$4400.00}, Chase XXXX : XXXX XX/XX/23, {$4400.00}, Chase XXXX : XXXX