davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-15
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 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 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-07-15
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 am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-15
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 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 2024-07-15
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-15
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 writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-15
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)

I have contacted Experian, XXXX and XXXX on more than XXXX occasion explaining that the following accounts are not mine. The following accounts listed on the credit report are inaccurate and do not belong to me. I have explained on a number of occasions that I have never opened a credit card with XX/XX/XXXX or XXXX. I have explained via email and a letter and they are still listed on my credit report. Experian has yet to address these matters.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AR)

Overview : Chase can not prevent continued fraudulent charges on my account since XXXX, Chase can not provide total amount of fraudulent charges. Chase can not verify if fraudulent charges and interest have been refunded. Chase can not lock my account. 
In XXXX of XXXX during covid, I noticed that my chase XXXX card had fraudulent charges. Upon contacting Chase, they told me that it was a prime membership fee linked to another person 's prime account ; they would not tell me the name of this person. they promised to refund the charges plus interest and issued me a new card. 
I trusted them. 
In XXXX of XXXX, I again noticed fraudulent charges. The charges had continued since XXXX. Chase promised again to refund the total charges but could not tell me the complete total, it was near {$1000.00}. Chase issued me another card. 
In XXXX I received a confusing call from their claims department telling me they could only refund a partial amount and they would close the claim. I appealed this over the phone and told them I wanted 100 % refund of the fraudulent charges plus interest. 
On XX/XX/XXXX, ANOTHER fraudulent charge was made. 
Chase promised to LOCK my account, delete the digital wallet from everywhere and issued me another new card. 
I have not activated this card. 
The new card showed up in my XXXX XXXX I did not add the card. 
XXXX purchases are being permitted on this new account. 
when I called the customer service representatives just keep transferring me around. 
they are unwilling to help me. 
they tell me they can not tell me the total of fraudulent charges. 
Chase can not assure me that all charges have been refunded Chase will not tell me if they can prevent continued fraud.
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (NY)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2019-12-26
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have had an account with Capital One for over 2 years and never had an issue. In XX/XX/XXXX the company updated their system inadvertently changing my payment due date from the XXXX of every month to the XXXX of the month. I received a statement in XX/XX/XXXX stating that my payment was due XX/XX/XXXX then in XX/XX/XXXX I received a statement stating that my payment wasn't due until XX/XX/XXXX. Due to this system update, through no fault of my own, Capital One will not report any data to the credit bureaus for the month of XX/XX/XXXX. I have first contacted Capital One on XX/XX/XXXX and they instructed me to file a dispute with the credit bureaus. I filed the dispute and nothing changed. There is still a report of No Data for the month of XX/XX/XXXX on my credit reports. I contacted Capital One on XX/XX/XXXX again and this time they said that there is nothing they can do and that I have to contact the credit bureaus to see if they can pull a different report. I don't even know what that means. I am completely frustrated because this is negatively impacting me when I apply for additional credit and all they need to do is report data for the month of XX/XX/XXXX. Capital One said that they can not report anything because no payment was due, but that is not my fault. I made several payments before my payment was originally due XX/XX/XXXX. The fact that they will not report any positive data or paid on time data to the credit bureau is unacceptable to me as a consumer and I would appreciate help getting this resolved.
Consumer complaint received 2024-07-15
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (GA)

Termination of Lease Due to Negligence and Unsafe Living Conditions Park At XXXX Filed eviction when they Moved me to Back of Apartments For Rat infestation and Management was Not in Office to Accept Payments 3 Months After They Moved me. Offered Pay and Stay They Accepted. 1. **Rat Infestation** : I endured a documented rat infestation for six months in my initial unit before property management decided to relocate me. The infestation was a serious health hazard and was not addressed in a timely manner. XXXX. XXXX XXXX : Upon moving to a new unit, I discovered that the HVAC system was non-functional. Despite repeated requests, this issue remained unresolved from XXXX until my departure in XXXX, making the unit uninhabitable, especially during extreme weather conditions. XXXX. **Lack of Security** : The security gate has been non-functional for over two years, compromising the safety of all residents. Additionally, the lack of on-site security has led to multiple break-ins : - My unit was broken into twice, with police reports documenting both incidents. - Squatters occupied the unit above mine, resulting in theft and additional safety concerns. - During my recent visit to pack up my apartment, I discovered a squatter had taken residence due to the unrepaired window from the first break-in, necessitating another police call. 4. **Safety Concerns** : As a single woman living alone, I was the only resident in the entire 5 buildings at the back of the apartments. This isolation, combined with the aforementioned security issues, has made me feel extremely unsafe and vulnerable. Due to these conditions, I have been forced to vacate the premises for my safety. I am also concerned about my credit and rental history. I have a balance from the time between reporting the rat infestation and the time I was moved. I intend to pay this balance and have made a {$2300.00} payment today, XX/XX/XXXX. I will return on XX/XX/XXXX, with {$1200.00} more. However, I request that this lease termination does not negatively affect my credit or rental history given the documented negligence and safety issues. Please note that I am returning my keys on XX/XX/XXXX. I have been unable to complete a move-out walkthrough with the property XXXX as they have not been available since XX/XX/XXXX. I would appreciate confirmation of the receipt of this notice and the keys, as well as the outstanding balance and my payment. XXXX XXXX ( XXXX ( XXXX ) XXXX ) XXXX Received last Payment on XX/XX/XXXX XXXX balance is satisfied Please contact for question and Answers XXXX XXXX account ( XXXX ) Paid Confirmation ( XXXX )
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I sent a letter to the company, several months ago and asked for the balance to be corrected, since a IRS form 1099 C was submitted to the IRS and accepted. Also the addresses on the report are un-mailable and need to be removed, the phone numbers, and email address.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Possible Financial Inc (TX)

I have taken out several loans with this creditor, Possible Finance, and they have helped me out in many ways. However, this account in particular raises more questions than answers : for one, there isn't any data reporting in the payment history section ; there are only five payments reporting in the amount of {$81.00}. The money payment on this account isn't {$81.00} ; it's actually {$37.00}. Another error on this account is that it shows a payment was made in XX/XX/2021, but there is no amount reported on the payment history. If a payment was made on XX/XX/2021, that would mean that the XXXX balance will be lowed ; however, it's the exact same balance as XXXX, which was {$150.00}. Since I am unable to speak with the representative on the phone, I have emails of a representative and myself having a conversation, per this account. That's not been paid off. I asked the representative to provide me with a statement of all transactions made towards this loan. She stated that there isn't a document that she could provide. But she did provide some information, and if XXXX was in a document, it was typed information, and that information will be attached to this complaint. The representative also stated that multiple payments failed, and I asked for a copy of that, which she has not provided me with.
Consumer complaint received 2024-07-15
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), A credit account opened at XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), a credit card account with XXXX  XXXX on XX/XX/XXXX under account number ( XXXX ), and a collection account with XXXX XXXX opened XX/XX/XXXX under account number ( XXXX ) .These Accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.