davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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. (PA)

I found that some of my accounts on the report that are not reporting a 100 % accurate data which violates the FCRA XXXX. Kindly review these accounts below and provide me update of the changes and corrections on these accounts in XXXX  days : XXXX SLT XXXX balance : {$16000.00} Date opened : XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$4800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX balance : {$600000.00} I also found some fraudulent accounts that are reporting on my credit report below : XXXX XXXX Balance : {$4200.00} XXXX opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX. XXXX, XXXX XX/XX/XXXX Balance : {$9300.00} XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$580.00}
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
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. (CA)

On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX pulled a hard inquiry without my approval. I authorized one inquiry to get a business credit card on XX/XX/XXXX, but they pulled it twice without my knowledge or consent. I contacted them directly as well on XX/XX/XXXX. They told me I had to submit a dispute with the credit bureaus, which I did already. 

I authorized one inquiry with XXXX to open my credit card account on XX/XX/XXXX. However, XXXX pulled my credit THREE times from TRANSUNION on XX/XX/XXXX which I did not authorize multiple hard inquiries in one day. 

XXXX pulled my credit TWO times in one day on XX/XX/XXXX which I did not authorize. 

On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX submitted hard inquiries without my authorization. They told me if I wanted to request an increase on my credit card it would be a soft pull and not impact my credit. I did not authorize these hard inquiries from XXXX XXXX. Please delete. 

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX submitted hard inquiries on my XXXX credit looking to get me approved for a car loan. I did not authorize them to submit my credit multiple times. Please delete. 

On XX/XX/XXXX, XXXX submitted my credit to several banks trying to get me approved for an auto loan. I did not authorize them to pull my credit. 
On XX/XX/XXXX again XXXX, and XXXX XXXX XXXX on XX/XX/XXXX pulled my credit without my authorization attempting to get me approved for an auto loan. I did not authorize them to run my credit over and over. Please delete these inquiries
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with was never late! I have had exceptional payment history witH 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 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 in 60 days 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. 


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 XXXX
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (TX)

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.

The letters are stated with items and issues. 

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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

Ive spoken to XXXX. They explain to me they will not remove old debit. From XXXX or more years ago. This is effecting me buying a new car for my wife and kids. There holding up me updating my Credit Report. There holding my account hostage. I can't update address cause they refuse to let me change my address. I don't live at that address. That address is from XXXX ago. 
Ive spoken on the phone with Experian. Plenty of times. They Refuse to update my address because of XXXX.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX {$850.00} XX/XX/XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (OK)

Assumed a VA loan in XXXX of XXXX. In XXXX of XXXX my credit score went down XXXX points and changed rating from exceptional to good. Mortgage company reported a modified payment agreement. Have not agreed to any modified payment agreement and account is in full good standing. Reached out to mortgage company on XXXX and they could not help me. Disputed with experian same day. On XXXX they came back and said investigation closed but my credit and the comment still remain. My credit history with XXXX, the mortgage company, is only since XXXX of XXXX. They are counting payment history of previous owners and that is negatively impacting me. This is not fair or correct. I have paid 100 % on time and full amount.
Consumer complaint received 2024-10-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (MS)

Aldous & Associates reported me to the credit agency for a debt they said I owed XXXX XXXX XXXX for over {$400.00} I tried to contact XXXX XXXX XXXX and they just kept telling me that their XXXX was not in and he would call me back and he never did, I contacted aldous and they immediately charged me {$1.00} to open the report to find out what was going on I paid and talked to them for several minutes about the debt and they said that XXXX XXXX XXXX was wrong and that they would dispute it and immediately take it off my credit report they also went on to say that they would take all the hard inquiries off my credit report all I had to do was pay them just over {$370.00} why would I have to pay them XXXX to take off their mistake on my credit report, they are scamming people I just got off the phone with them today XXXX/XXXX/24
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Absolute Resolutions Corp. (TX)

ABSOLUTE RESOLUTIONS INV has collection report past due {$360.00} as of XX/XX/XXXX. XXXX  credit report shows XX/XX/XXXX this company first reported. This is an identity theft by ABSOLUTE RESOLUTIONS INV and I never use my credit card. 

Please note I've moved to XXXX XXXX  on XXXX XXXX with my husband and the store card was never used. This bill is an identify theft of myself running ABSOLUTE RESOLUTIONS INV. Please remove this collection from my credit history.
Consumer complaint received 2024-07-09
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. (NJ)

Please check the documents I've sent regarding this matter. I always my check my credit report during mornings and I noticed that there are inaccurate accounts appearing. I don't know why they're appearing but please do remove and block them.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I opened a new account towards the end of XXXX XXXX. Afterwards I had my salary deposited into my account so I can earn the promo XXXX $ that was promised. Upon doing this on XXXX for the amount of {$4500.00} and accessing my account I made a small transfer via XXXX  to my other bank account to pay bills. The account was immediately frozen and I then can no longer access any of my funds via online or transfer any money to pay rent, bills, etc.. 
I contacted the company and spoke to the fraud dept. who after verifying my identity with the many methods they have explained I would receive a response within 48 hours. This never happened. I called again around 1 week later and again verified myself and spoke to the supervisor in the Fraud dept. Again same response in 48 hours you will receive a response. This never came as well. I have since opened a case with Citi Executive Response Unit XXXX Citi Reference Number : XXXX And again was told now in 15 days I will receive a response. it is now XXXX and I have yet to hear from them. 
All the while the company has stonewalled me and held my money not allowing any activity. Furthermore, I had a credit bill due which was payed and then reversed by Citibank causing a fee to be incurred and forcing me to maintain a higher balance which again has caused damages by interest assessed. This company is an absolute fraud and has no ability to resolve its issues while continuing to steal my money even after I have provided all the needed documentation and text verification and anything they want to assure them it is me and only me taking actions on my account yet they continue to delay and delay while holding my funds. I have personal credit cards with this company since XXXX as well as unsecured loans i have took out and have paid back. However, the moment i deposit funds into their bank they take my funds and hold it with no response or reason as to why. I will never bank with them again I want access to my funds as more than 1 month has now passed with no response. Furthermore, I will be seeking damages they have caused me by delaying payments not allowing me to pay my bills and running higher credit usage than normal.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion will not remove a name that's not mine off my credit reports They have XXXX XXXX XXXX I am XXXX XXXX there is no madere in my name it needs to be corrected
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: Experian Information Solutions Inc. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX Separate fraudulent accounts appearing on my consumer XXXX report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX cable account opened XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX XXXX  account opened XX/XX/XXXX Account number ( XXXX ), XXXX XXXX account opened XX/XX/XXXX Account number ( XXXX ) XXXX XXXX  Inquiry from XX/XX/XXXX, Resident Verify XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (CA)

Ally bank advertised a bonus for moving new funds into their accounts at the end of last year. I opened an account and during the process did not see anywhere to enter the code they gave me to get the bonus. I immediately emailed them to let them know I was opening the account to get the bonus and didn't see anywhere to enter my code and asked what to do. They asked me to click on something in an email which I did. 

After the time passed to keep the funds in the account to get the bonus, when I realized I hadn't gotten it I emailed again asking what was going on. Their app seems to be broken for XXXX  users because only a blank message was sent twice when trying from the app so I had to wait until I had access to a computer to send another message because their app overrides the a ability to use their website on your phone. 

After explaining the situation multiple times they have still not given me the bonus and are giving me the runaround to talk to more people to explain. I think they are being deceptive in their advertising because I have tried to do what they asked but because of technical issues have not been able to but was still promised the bonus. I would have moved my money long ago if I hadn't been told I was getting it after opening the acct.
Consumer complaint received 2024-07-09
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)

Recently, I reviewed my credit report and discovered several inaccuracies.

According to 15 U.S. Code 1681e ( b ) - Accuracy of report, a consumer reporting agency must follow reasonable procedures to ensure the highest possible accuracy of the information in a consumer report.

Additionally, 15 U.S. Code 1691i ( 5 ) - Treatment of inaccurate or unverifiable information, states that if, after reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the information as necessary and notify the furnisher of the changes.
Consumer complaint received 2024-09-04
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. (TX)

Hello, my name is XXXX XXXX. I am writing to request your assistance in addressing several inaccuracies on my credit report that require correction under the Fair Credit Reporting Act ( FCRA ). After a recent review, I have identified the following issues that need attention : Inaccurate accounts XXXX addresses Unauthorized inquiries Billing inaccuracies I would greatly appreciate your help in resolving these matters and ensuring the accuracy of my credit report. Thank you for your prompt attention to this issue.