davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-10
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$210000.00}
Consumer complaint received 2020-03-19
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. Upon checking my credit report I noticed a few fraudulent accounts that were listed. I've listed the names of each company, the date it was opened, and the balance owed on the account. I need the companies to please remove these immediately. 


XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$5700.00} XXXX/XXXX  XX/XX/XXXX {$0.00}
Consumer complaint received 2024-09-10
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family please remove the fraudulent accounts from my credit report as soon as possible. Under the FCRA Section 1681e, it is the responsibility of credit reporting agencies to ensure the maximum possible accuracy of the information they report. As a consumer, I have the right to dispute any inaccurate information that may negatively impact my creditworthiness.
Consumer complaint received 2024-11-01
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
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)

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries 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
Consumer complaint received 2017-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (PA)

For more than 200 years, Chase has been one of the worlds leading financial institutionsits reputation beyond stellar ; its customer service unparalleled. Thats why I chose Chase to handle my mortgage. Thats why I am appalled about my latest encounter with Chase. And thats why I am reaching out to you.
Recently, I mailed Chase three mon  ey orderstwo in the amount of {$500.00} and one for $  XXXX  satisfy my account before  XXXX   XXXX ,   XXXX  . Chase stamped the money orders several times before realizing that the total would not bring my account up to date and returning the money orders to me.     In the meantime, my mortgage had been sold to  XXXX   XXXX   XXXX , where I sent the stamped money orders to satisfy my current mortgage obligation.  XXXX , however, will not accept the money orders because they were written out to and had been stamped by   Chase.
In an effort to rectify this situation, I spoke to three Chase mortgage banking specialists   XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX  of whom told me that because of this error  three separate checks would be mailed to me within five business days. ( Each conversation was recorded by Chase. ) After more than a month, I have not received the checks as promised, nor have I heard from Chase regard ing the status of the checks.     I tried to return the stamped money orders to the store where I purchased them, but they will not accept them. I also called the money order provider,  XXXX   XXXX , which informed me that I would have to pay {$50.00} for each money order and that I would need a copy of each money order as well as the stubs, which I do not have, before a refund can be processed on my behalf.     As it stands now, I have lost {$1100.00} due to Chases mishandling of my money orders and misinformation over the phone.     I do not know what else to do. I am on  XXXX  due to major health issues, so my funds are limitedand this situation is causing me even more distress. All I want is for Chase to send me the money I am owed, the money they promised.     Now as of today,  XXXX / XXXX /  XXXX  , I spoke to a  XXXX   XXXX   XXXX  at  XXXX  Mortgage Banking  Executive Office . She suggested that I return the money orders back to the store where they were purchase. I reminded her, that the store does not do returns on stamped, written and dated money orders. She than suggested that I call  XXXX   XXXX . I reiterated that I will be charged {$50.00} for each money order. That is {$150.00} that I do not have.       Please help me rectify this issue with Chase before my home goes into foreclosure.
  My reference number -  XXXX  Thank You so much in advance!    XXXX   XXXX   XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

Ive provided several documentation to prove my innocence and also went to the DMV they confirmed my name isnt registered or associated with the car and XXXX XXXX wont pause the payments and now its 3 payments behind for a car that belongs to someone else.
Consumer complaint received 2024-09-10
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)

I have filed complaints with the XXXX bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.
Consumer complaint received 2024-09-10
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. (NY)

I have been disputing a company called XXXX XXXX they have been removing and replacing the same account for months now, they arent letting me know that they are adding it back and they also are not sending me proof of the original signatures, so those are XXXX violations of my rights. 

XXXX XXXX  keeps adding and removing late payments but I was never late and they wont fix the billing error permanently. 

XXXX has a billing error and wont update payment history to paid on time. 
XXXX also has another account that they wont remove an account that is unverifiable. 

And also XXXX XXXX and Experian are removing accounts that should be on my report. 

There are many violations that need to be fixed immediately, their may be more as you will see in the letters provided below.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 )  ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may const itute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also have  XXXX  account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.
Consumer complaint received 2024-09-10
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. (GA)

i, XXXX XXXX am victim of identity theft I have never applied for credit from XXXX XXXX XX/XX/XXXX or XX/XX/XXXX this is not my mine and needs to be removed immediately from my credit report. Also I have never lived at XXXX XXXX XXXX and I never had the phone number XXXX XXXX XXXX XXXX XXXX. My parents apply for my security number when I was born. The Fraud Alert of " INPUT SSN LIKELY NOT ISSUED PRIOR TO XX/XX/XXXX '' needs to be removed
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OK)

I inadvertently  made two payments on my home equity loan. This was my fault, not theirs. What is fraudulent on Chase is  the way my funds were applied. On  XXXX , an automatic payment of {$420.00} was pulled with interest applied of {$220.00} and {$200.00} applied to principal. This I do n't have an issue with.     On  XXXX   XXXX ,   XXXX  , my banks bill pay sent an electronic payment of {$500.00}, again this was my error, no t Chase or my bank. What is wrong is that of the {$500.00} payment, Chase applied  only {$290.00} to principal and another {$200.00} to interest! Interest owed was at most {$21.00}, not {$200.00}! In addition, they are billing me another {$230.00} for  XXXX .     This is just flat wrong!
Consumer complaint received 2024-09-10
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 have previously submitted multiple requests for your company to reinvestigate several inquiries on my credit report that I believe to be inaccurate. Isn't it your responsibility to complete these investigations within 30 days of receiving the request? I've also heard of instances where companies pull credit reports without a permissible purpose, yet I haven't received any verification from your company regarding these inquiries. Below is a list of the inquiries I need to be reexamined : I have attempted to contact each of these companies, but many have no record of me, raising the question of how they could have a permissible business purpose to access my credit if they are unaware of who I am. 

XXXX XXXX Inquiry XXXX XX/XX/year>, XXXX XXXX XXXX XXXX Date XX/XX/year>XXXX XXXX XXXX Inquiry Date XX/XX/year>.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

When  XXXX  made the change from  XXXX  to  XXXX ,  XXXX  issued me a new credit card. I am also a  XXXX  banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out via  XXXX  's  credit score  monitoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX  membership fee  ( automatically ) on that c ard, and was never told about it. By that point my payment was about 6 months late and had an addition  XXXX  dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that citi dealt with this situation poorly.     However, this event has turned out to have a profound impact on m y credit score . The day it happened it fell by  XXXX  points, and has recovered  XXXX  points in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.
Consumer complaint received 2023-07-10
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. (SC)

These accounts are reported inaccurate information on my credit that's not allowed by law everything has to be 100 % accurate XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

When  XXXX  made the change from   XXXX   to Visa,  XXXX  issued me a new credit card. I am also a  XXXX  banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out via  XXXX    XXXX   credit score monitoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX  membership fe e ( automatically ) on that card, and was never told about it. By that point my payment was about 6 months late and h ad an addition  XXXX  dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that   XXXX   dealt with this situation poorly.     However, this event has turned out to have a profound impact on my credit score. The day it happened it fell by  XXXX  points, and has recovered  XXXX  points in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.