davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
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. (IN)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. 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 2024-06-26
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. (AL)

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 XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX XXXX not reporting correctly. This is on a payroll deduction which means it is automatically paid. They are not reporting it correctly the payment amount is not correct nor is the payment history they are showing no payments for XXXX. Equifax is violating 42 U.S.C. Section 666 I - Only after such parent has been afforded all due process required under state law, including notice and a reasonable opportunity to contest the accuracy of such information. This is having an effect on my credit as it is not reporting consistent payments please see attached check stub which shows it is a payroll deduction which means it paid consistently.
Consumer complaint received 2024-06-26
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. (IL)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - Account Number XXXX XXXX XXXX XXXX XXXX *Date of first delinquency illegally being changed Should reflect the amount first delinquent ) Changes after 180 Charge off Status
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed o

n Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I was at work Monday XX/XX/2023 and my phone started sending repeated notifications of withdrawals from my checking account from a company called SoLo Funds. I knew this wasnt me doing this as I was at work so I called my bank Chime which I found out isnt actually a bank they told me but a financial services company which I did not know as I have a checking savings and credit card through them. My account was debited 4 different transactions {$300.00}, {$100.00}, {$100.00}, {$150.00}. While I was on the phone with them they said it was my debit card which was with me at work so it had been compromised somehow. Card was canceled and while I was on the phone with them a {$500.00} transaction was declined as I had moved what little money I had left to my savings just in case. I tried calling SoLo Funds but the number given on my transactions list on my account didnt have enough phone numbers so I immediately knew it was a scam. They only have chat support so I got ahold of them and they said I would need to send a picture of myself holding my Drivers License and Debit Card to prove my identity. No way I told them I didnt know who they were I hadnt initiated these transactions and this sounded like a scam trying to steal my identity. Only company that would ask something like that would be the IRS. Chime just denied my dispute and I dont know why! {$650.00} is ALOT of money to me! My car payment is going to bounce and I may lose my car over this company stealing my money and for some reason Chime allowing them to. Please help me!
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

the company website was down on the XXXX to make payment, called XXXX they informed you will be fine if you make payment by XXXX by XXXX i have attached copy of my payment that was done before the time, called XXXX to make sure that my account was not reported late since they took the money out onthe XXXX i have attached payment conformation, i called them yesterday the account manager stated your payment was on time and you will not have no late payment reported, this am i see they reported in all the three bureaus late, they need to remove the late payment on my report or remove my account i dont want to do business with dishonest companies, i have a right to opt out of reporting if its unfair and unjust.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-06-26
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-26
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. (TX)

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

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

I demand the late payment reported in months that reported late to be removed.

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

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


XXXX XXXX, XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I discovered that {$11000.00} was fraudulently withdrawn from my Chase business account through unauthorized salary payments. These payments were made to individuals fraudulently added as employees without my consent. 

Upon discovering the charges, I rushed to a Chase branch, where I was redirected to the Fraud Investigation Department ( XXXX ). However, I was initially unable to file a claim due to a system update. After multiple attempts, I finally filed the claim on XX/XX/XXXX, and was told I would be reimbursed within XXXX business days if the investigation was not resolved. After significant delays, I was informed that my claim was denied, with Chase stating the transactions were made using my device. 

I am appealing this decision based on critical evidence that was overlooked, as well as conflicting information provided by Chase Bank representatives. 

Supporting Information : Device Log-In Timing : My computers kernel-power logs ( attached ) show my device first booted on XX/XX/year>, at around XXXXXXXX XXXX  This means my device was not in use prior to that time, making it impossible for any earlier transactions to have been made from my device. 

Browser History : My browser history ( attached ) confirms that I attempted to log into my Chase account at XXXXXXXX XXXX  However, I was blocked by a device attestation message ( also attached ), preventing me from successfully logging in. 

Secure Messages : I have attached secure messages ( not emailed to me ) from the Chase Bank app showing that two employees, XXXX XXXX and XXXX XXXX XXXX, were added to my account as payees without my knowledge. These messages state that the additions were made by an authorized user on my account. However, during a phone conversation, a Chase representative explicitly told me that I am the only authorized user on this account. This presents a serious inconsistency in Chases handling of this case and suggests a breach of account security. 

Conflicting Information : Chase Bank has provided conflicting information at every step. I was told my claim would be processed within 10 business days and that I would receive reimbursement if the investigation was unresolved by then. On XX/XX/XXXX, I was told the money would be credited within a few hours, but the funds never arrived. When I followed up, I was told there was no definite time for reimbursement. 

Conclusion : It is clear that unauthorized actions were taken on my account before my device was in use, and I was blocked from accessing my account after attempting to log in. The claim denial based on device matching is flawed, especially given that I was the only authorized user on the account, and these fraudulent payees were added without my consent. 

Additionally, I am preparing to file a police report regarding this matter. I demand an immediate and thorough investigation into how these unauthorized actions were allowed to occur on my account.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-26
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have sent at least two requests to Experian to delete all of my old addresses because I ma no longer associated with those, XXXX has already deleted those addresses and I am not sure what the problem is with Experian.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (CA)

I received a call on XX/XX/2023 at XXXX from Alltran. 

I do not know why you are calling. Nevertheless, cease and desist. 

If communications from your company continue, I have no choice but file a civil suit. 

For your convenience, an additional complaint was filed with California Attorney General. Please ensure you address this time sensitive matter to prevent additional complaints and/or suits. 

*This is an attempt to correct your records, any information obtained will be used for that purpose.
Consumer complaint received 2024-06-26
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-20
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 Fraud. There is a XXXX  XXXX account on my file, even though it shows paid and closed that account is not associated with me. I reached out to the creditor directly and they sent me a form which i signed and sent back to them confirming that the account was made by someone that wasn't me and that I t was not authorized by me. I also reached out to all 3 credit bureaus, Experian, XXXX, And XXXX. XXXX AND XXXX Were able to verify that the account did not belong to me but Experian reported the account back on my file. I need the XXXX  XXXX ACCOUNT TO STAY CLOSED AND BLCOKED FROM SHOWING ON MY FILE. I DID NOT AUTHORIZE IT NOR DID I GIVE ANY ONE PERMISSION TO FURNISH THIS INFORMATION ON ANY OF MY CREDIT FILES. The company is breaking the law per 15 usc 1681b.
Consumer complaint received 2023-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NH)

A telephone conversation with a representative of Ed Financial Services was made by me at XXXX to ( XXXX ) XXXX explaining that I received PSLF forgiveness after my accounts had been transferred to XXXX XXXX but that my credit report still showed active accounts with Ed Financial to the sum of $ XXXX. When I provided my information ( SS.number ) they had no record of any debt. 

In speaking to XXXX, the PSLF servicer, I was told that Ed Financial had not reported the loans closed in turning them over to XXXX and the recorded debt remains. I asked to speak to supervisor and was refused. I was told to contact the 3 credit bureaus and dispute the records there. I was told that a " ticket '' would be issued on the account if information surfaced. I asked for a reference number and was told there wouldn't be one. 
I asked if I would be contacted in the event an error was found and told, " I might be '' Only my name was asked. I was not asked for any other contact information.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-06-26
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. (FL)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
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: EQUIFAX, INC. (MI)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 


I am demanding a deletion of the following account : XXXX/XXXX  XXXX  XXXX XXXX