davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NY)

There were some charges sent to my account I warned the bank about the fraudulent charges from XXXX and the bank did nothing. So to protect my money I didn't put any money into the account or the bank would've kept paying them. Instead they attacked me like I did something wrong. Since I been with this bank treated different from other members. They keep shutdown my accounts with no warning even though the banking and union credit regulations states that I'm suppose to be warned of any suspension or impending actions against my account. They've shutdown my debit cards and now my bills connect to my other cards is not being paid. XXXX had said the charges wasn't on my apple account. But the bank fail to do the basic fiduciary responsibility for my account everything they do is to inconvenience me. I'm a XXXX XXXX XXXX senior citizen and some of the apps on my phone send my vitals conditions to my doctor office. But only this, there's an individual within this bank singling out my account. There is an award that's coming to my account and they're trying to manipulate my access to my money by using a fraudulent fraud charge on my debit cards and restrict them. Their security was sent a fraudulent flyer from ny that flyer in question is part of a federal case here in NY. Plus they allowing their bank to be used in a XXXX XXXX conspiracy and they acting as if they're not aware or been warned of the source of their false information. One time the person called the bank and falsely claimed my pension check was going to clear one of the banking reps did a 3 way call with my pension fund and was tolded that my pension check was good. This is what I mean that there an individual they're sending false information to and they're just acting on the information as if it's real and not at least waning me of asking if the information is accurate. This bank keeps attacking me like I'm doing something illegal and I'm not. Attached is copy of a fraudulent flyer put out here XXXX. It's illegal and certain individuals were posting. There's a matter here in NY about my vacation money and pension being tampered with and this person is using his influence to interfere with my payments.
Consumer complaint received 2024-08-02
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. (PA)

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.
Consumer complaint received 2024-09-09
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-12-24
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was shocked to discover inaccurate accounts on my credit report this morning and I have no clue why theyre there. I regularly check my credit report, but this time, there were sudden discrepancies that I can't explain. I even tried refreshing my browser, hoping it was a glitch, but unfortunately, the errors remained. I really need these documents to be thoroughly reviewed so I can stop stressing over this once and for all.
Consumer complaint received 2024-07-12
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. (PA)

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 2024-08-02
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. (AL)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to resolve these issues and requests for thorough investigations, I have yet to see any resolution or corrective action. These inaccuracies are significantly damaging my credit file and affecting my ability to lead a normal life. 

The ongoing presence of these erroneous accounts has caused immense hardships for me. Therefore, 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 comprehensive investigation into the reporting of each disputed account. It is imperative that the necessary steps be taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-12
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. (GA)

XXXX XXXX late payments marked in my credit report. I WAS NEVER LATE ON THIS ACCOUNT Marked for XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

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 2023-12-28
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (VA)

I was a tenant at XXXX XXXX XXXX and disputed the summary closing move out account. 
So when I receive the collection debt from National Credit System I wrote a letter requesting to provide me with the verification of the debt. 
Not to report the debt to the credit bureau until the matter is resolved. 
I receive the collection letter on XXXX XXXX disputed by certified on XXXX XXXX tracking number XXXX XXXX XXXX XXXX XXXX National Credit System continue to call me twice after I ask to cease all call that I was disputing the debt they did not respond to letter, this occurred in early XXXX and XXXX XXXX I actually called back and asked for a supervisor because I was hung up on. 
Nothing was resolved. 
Ultimately I disputed the debt on my credit report. 
I receive a letter from the law office of XXXX, XXXX, XXXX And XXXX stating that they were hired to collect XXXX. I disputed that. On XXXX XXXX The law office wrote back noting my dispute stating that that the firm was not collecting the {$990.00} of the lease termination fee and it was removed from the balance. ( therefore is the reason for the dispute among other charges.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX XXXX, I have checked my credit report on XXXX. And there was some accounts and inquiries that DO NOT BELONG TO ME. and currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, accounts attributed to entities like XXXX and others do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-27
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: EQUIFAX, INC. (FL)

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IN)

My debit card number was used fraudulently by an unknown source to purchase items from a XXXX in New Jersey in person worth XXXX on XXXX. Then my card was used fraudulently again multiple times for XXXX XXXX on XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and again on XX/XX/XXXX for XXXX. I was texted by Wells Fargo in the early morning on XX/XX/XXXX asking if I was making those purchases and I said no and called them immediately to freeze my card and to make a fraud claim. They told me I would have a response in ten business days with a decision. That same afternoon I called back and asked for provisional credit, and asked for an email so I could send proof of the XXXX receipt showing items bought such as multiple electronics including multiple gaming systems, as well as the time and date of purchase. I have been mailed letters by Wells Fargo simply stating that they have given me provisional credit which I had to ask for in the first place. It has been three weeks since I filed my claim and I called back today on XXXX with NO resolution still. I need and deserve my money back permanently as I am innocent in this situation.
Consumer complaint received 2024-07-12
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. (MI)

Complainant ( Consumer ) alleges inaccuracies and material misrepresentations in credit reporting by Experian for the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX with corresponding account number XXXX. Despite multiple disputes and clear evidence of inaccuracies, Experian has consistently failed to correct the information, resulting in significant harm to Consumers creditworthiness and financial stability. 

Experian has exhibited a consistent pattern of willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite receiving multiple dispute notifications and clear evidence of misleading information reported, Experian has repeatedly failed to conduct proper ( re ) investigations as required under 15 U.S.C. 1681i. Furthermore, Experian has failed to implement and maintain processes and procedures to ensure maximum possible accuracy in the credit files it maintains regarding Consumer, as required under 15 U.S.C. 1681e ( b ). Experian has also failed to correct or delete information it could neither verify nor correct for the XXXX XXXX ( XXXX ) account/tradeline, in violation of 15 U.S.C. 1681i ( a ) ( 5 ). 

Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, Experian received several detailed dispute notices from Consumer apprising Experian that the collection account needed to be removed due to both FCRA and FDCPA violations. After conducting an investigation and multiple reinvestigations, Experian has persisted in reporting the false, misleading, inaccurate information in the files Experian maintains regarding Consumer. Most alarming is that on XXXX XX/XX/XXXX, the Collection agency noted it would " begin its investigation shortly, '' yet Experian purports to have finished its initial investigation and reinvestigations. 

Under 15 U.S.C. 1692g ( b ) of the FDCPA, when a Collection agency receives a dispute notice from a Consumer regarding the alleged debt, the Collection agency is required to cease all collection efforts UNTIL the debt can be verified and validated. Thus, as the alleged collection item has neither been verified nor validated by the Collections agency, and Consumer has filed a direct dispute to which the collections agency has responded stating it will " begin its investigation shortly, '' it is unlawful under the FCRA and FDCPA to report the collection item in credit files Experian maintains regarding Consumer. The information is misleading in such a way and to such an extent that it [ could have been ], expected to have an adverse effect [ on the consumer ] ( Twumasi-Ankrah v. Checkr , Inc. , 954 F.3d 938, 948 ( 6th Cir. 2020 ) ). Consequently, Consumer 's credit score dropped by fifty ( XXXX ) points because the Collection item was added to the report.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (IL)

My credit report is reporting fraudulent information that I am not aware of and did not authorize. Between the timeframe of XX/XX/XXXX-XX/XX/XXXX. With banking institutions XXXX XXXX  and XXXX  XXXX.
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: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Self Financial Inc. (LA)

XXXX  sbnaselflndr loan has been taken out in my name I didnt take it out or receive any loan or payment to confirm it was me and it says a new account was opened in my name I didnt open any account
Consumer complaint received 2024-07-12
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. (PA)

Hello, my name is XXXX XXXX and after a review of my credit report I noticed an account that does not belong to me. I have disputed this fraudulent account multiple times and no one is doing anything about it. The account holder continues to report inaccurate and unlawful information that has become detrimental to my credit profile. I have attached a copy of my Experian credit report displaying each name identifying number associated with me and my credit profile. This company ; XXXX XXXX XXXXXXXX XXXX Account number : XXXX, is not reporting any of these name identification numbers. However they are reporting name identification number XXXX which DOES NOT belong to me at all! This company is also not even reporting an address for this account. PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Account number : XXXX Late payment : XX/XX/year> Remove from my Experian personal credit report! I have asked XXXX times at this point since 2022. Why hasn't it been updated? 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results