davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. (OH)

I am writing to address an ongoing issue regarding unauthorized inquiries appearing on my credit report. Despite my previous attempts to resolve this matter, the unauthorized inquiries continue to be reported, and it is imperative that they be promptly investigated and removed to ensure the accuracy and integrity of my credit profile. 

Upon reviewing my most recent credit report dated XX/XX/year>, I have noticed that unauthorized inquiries are still being reported. These inquiries were not initiated or authorized by me, and their presence on my credit report is both concerning and damaging to my creditworthiness. 

Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> I want to emphasize that these unauthorized inquiries do not reflect my credit behavior or financial activities. Their presence on my credit report may lead to misconceptions about my creditworthiness and could potentially impact my ability to obtain credit or other financial opportunities.
Consumer complaint received 2024-06-06
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 just looked over my credit report, which seriously depressed me since I discovered items that your firm failed to verify were true, erroneous, suspicious, and unverifiable. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( c ), as well as the Fair Credit Reporting Act, all information on my credit report must be 100 % correct. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % correct. I've included copies of every letter you sent below.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-06
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)

Bank XXXX XXXX appears on my credit score. I do not have a XXXX XXXX XXXX card and I have never applied for one. 
Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$460.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$25.00} Credit limit {$5000.00} Highest balance {$1000.00} Hard Inquiry : XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Record details Inquired on XX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am frustrated because I am being taken advantage of by this credit bureau. I have filed a dispute of inaccurate information that is reporting. I am being disregarded and the inaccurate information is resulting in new credit denials.
Consumer complaint received 2024-06-06
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. (LA)

XXXX, XXXX, and Experian is reporting unauthorized inquiries, collections, late payments, names, addresses, and phone numbers on my credit profile. I am a victim of identity theft from multiple people stealing my information. I have reached out to these credit bureaus numerous of times and havent gotten a response. They only update the accounts as meeting FCRA requirements without doing the proper investigations. The XXXX Department of revenue , XXXX XXXX police department, and XXXX police department are all aware of the fraud that has been committed against me and also have fraud reports from me. Also the supervisor at the social security office in XXXX XXXX informed me that someone has been using my social to work in XXXX and I have never lived there before. I have also reported this to the FTC office. I am disputing all collections, late payments, and inquiries from Experian, XXXXx, and transunion. Also I should only have one name, one address, and one phone number on my credit profile according to the FCRA. The fraudulent information on my credit report is very detrimental to my character and has caused me not to be able to obtain credit. I am going to attach a copy of my FTC report on this complaint
Consumer complaint received 2024-06-06
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 want to report an Identity Theft! I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is the law : The following information in this report does not belong to me. My information has been compromised, or I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

They closed my account for supposed fraud. They never reached out to me about any information regarding my account. I didnt not report anything to them as my account was in good standing. I did not ask for my to be close nor did I give any authorization.
Consumer complaint received 2024-06-06
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 recently looked at my credit report, which made me quite depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are included below.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have one 30 day late on my credit from a XXXX XXXX credit card that I've had in my name for over 8 years. This allegedly occurred in XX/XX/2022, while the world was in the midst of the pandemic. I was never notified of this late and to my knowledge have always paid my credit card on time. Over the last six months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called XXXX XXXX probably 5 to 10 times and repeatedly was assured they would correct the 30-day late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take 30 days. I've waited twice for that to happen and still nothing has been fixed. I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail. I'm simply trying to get this one incorrect 30-day late payments ( from XX/XX/2022 ) removed from my credit. I'm currently pregnant and this incorrect information from XXXX XXXX is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining a necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want XXXX XXXX to correct this.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

In XX/XX/2020 I was furloughed from my job that I held for XXXX years at XXXX XXXX. Through NONE of my own decisions, choice or actions did I want to lose my job. The government shut us down because of Covid. I was in no way shape or form prepared for what that entailed for the next couple of years. Prior to the pandemic, I had a 100 % payment history, not one single collection or negative mark whatsoever on my credit report, check and see for yourself. I didnt ask to be furloughed, I didnt ask for not a single bit of that traumatizing and life altering event in my life. Now the end result of not being able to pay my bills, about 15 negative collections on my credit report, I lost my vehicle to repossession when it was so close to being paid off, XXXX cant even get a loan or a bank account at this time. Im nothing but a huge risk to everyone. Why? Because I lost my job due to a global pandemic that I had no control over?! Thats insane. I absolutely feel like people who were in the same boat as me should be given leniency and these negative things be taken off of our credit reports immediately. This is not fair at all. Covid has literally ruined my credit that I worked so hard for and now Im being punished extremely wrongfully due to something out of my control, a world wide disaster. I am a Government employee now, Department of Treasury, and I can not even open up a checking account at XXXX XXXX XXXX due to this. I feel like this is such a huge issue for some of us and I will not stop fighting until we get the relief we well deserve. Please, mentally and emotionally and physically, Covid has reeked enough havoc in our lives, now we have to live with this affect as well!? Im genuinely a good person and I would appreciate it so much if we could do something, anything, to help us people who are still being punished by that nightmare. Please take what I have said into consideration and I pray that you can put something into place to help us go back to a semi normal life again. Its been enough for way too long already as it is. Thank you for your time and understanding. Looking forward to hearing back from someone soon. Thanks again.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (IL)

My Visa Credit Karma spend account card was stolen and I reported it as soon as I was alerted that it was being denied with a drop down message I received on my phone. I called and there were 4 charges to dispute but they could only do two because the other two were pending. 
The person that stole my cards was using the cards to buy gift cards at a local company called XXXX XXXX. The next day I disputed the other two pending accounts and I thought everything would be fine, as they told me I would be contacted by email so look out for it. A few weeks went by and I didnt hear or see anything so I call and they said the claims were denied because XXXX XXXX I had used the card after the disputed charges were made. That was completely untrue. The only thing that happened was that I got a credit back from the hotel I had stayed at and used the card for a few days after I had gotten home. I called to redispute to no avail two more times and now its two months later and my funds still havent been returned to me. This card is supposed to be protected against fraud by XXXX. I also called the card issuer XXXX XXXX and told them what was going on and they said they would get to the bottom of it and all I received was a generic email saying my dispute was declined. This has caused me to be late on my car and mortgage payments. Also, two of the other cards were used by the offenders and both of those companies returned the funds right away with no issues whatsoever. The total charges were {$780.00} It seems ridiculous that they would say the charges are mine when they very obviously arent Please help..
Consumer complaint received 2024-06-06
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)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiries under 15 USC 1681b Dear XXXX, XXXX am writing to formally dispute several hard inquiries listed on my credit report, which I believe to be unauthorized. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I request the immediate removal of these inquiries from my credit report. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries were made without my authorization and therefore do not meet the permissible purposes required for inclusion in my credit report under 15 USC 1681b. According to this section of the FCRA, a credit report may only be accessed for specific permissible purposes, and unauthorized inquiries should not be reflected in my credit report. 

Under the FCRA, you are required to investigate my dispute and correct or delete any unauthorized or unverifiable information within XXXX days of receipt of this letter. Please provide me with a written statement of the results of your investigation and a free copy of my credit report if the dispute results in any change. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-06
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. (UT)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Simple # XXXX, Account name : XXXX XXXX XXXX Simple # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

Date : XX/XX/year> Amounts : about XXXX USD in total I was looking for a short-term house rent near XXXX for XXXX. That was when I saw a post on XXXX, and reached out. 
I was in contact on Text and induced to pay to XXXX through PayPal as Friend & Family.

After realizing the fraud nature, I pointed it out to him. From his reply, the fraud could be firmly validated. 

Details about transaction and discussion process could be found in attachments.
Consumer complaint received 2024-06-06
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)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-03-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FIRST AMERICAN FINANCIAL CORPORATION (WY)

my Dads house went to probate after his death, all of us siblings was listed on the probate, First American title Insurance company was incharge of the closing however the never used reciepts from the person in charge of showing receipts, the statement from XXXX XXXX at first american title said she didnt need to see receipts just a itemized letter of billing however XXXX XXXX the exucutor never showed receipts for billing the Estate, she billed the estate for payments she never made and added insurance payments when my Dads house was escrow { insurance added into payment } and the house was for sale for XXXX dollars for some coinsadence the closing added upto exactly XXXX, i believe American title with the help of XXXX XXXX, frauded and embezzeled the probate, i have proof of the mortgage showing its escrow and you would think the title place would need receipts for billing, if not hell i can make up anything also to make money fraudulent
Consumer complaint received 2024-06-06
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)

XXXXXXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-03-21
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: General Motors Financial Company, Inc. (DE)

ON XX/XX/2023 - XX/XX/2023 CREDIT INQUIRIES WERE PLACED ON MY CREDIT REPORT FROM GM FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. I HAVE NOT APPLIED FOR ANYTHING WITH THEM. I LOST MY WALLET AROUND THAT TIME HOWEVER I ORDERED A NEW SOCIAL SECURITY CARD AND ID. I AM CERTAIN SOMEONE TRIED TO RUN MY CREDIT AND/OR USE MY NAME. I DO NOT HAVE AN ACCOUNT WITH ANY OF THESE FINANCIAL INSTITUTIONS. WHEN CHECKING XXXX I DID HAVE A FRAUD ALERT NOTIFICATION AND FROZE MY CREDIT. THERE WERE MULTIPLE CREDIT INQUIRES DONE WITHIN A 7 DAY TIME SPAN.
Consumer complaint received 2024-06-06
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. (GA)

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.