davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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. (NC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX is Using My Social Security Number & License Improperly They Used XXXX XXXX A Hiring/Recruiter To XXXX XXXX abiding citizens like myself Personal Info License and Social By asking to send screenshot pictures & they are applying for different credit applications causing hard inquiries on my credit report than terminated my employment in just the third day of employment causing me to ask for police report Case # XXXX Company also uses XXXX for their communication to mistreat coworkers that are not XXXX they are not allowing equal opportunities with their established company instead farming all the money for themselves while stealing citizens identity XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation. 
XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-06-11
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 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 2024-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-11
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX "
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

Complaint # XXXX was closed because of being late on the feedback. 

Feedback regarding provided bank statements and the missing bank statements -- - opened at the XXXX XXXX XXXX XXXX in XXXX XXXX and online. 

There still is no adequate explanation to the reason where my student account that I opened with {$25.00} of paypal funds was opened and the later issued XXXX credit totalling XXXX $ that was displaced due to abrupt closing the account without my permission. This caused interruption to the Professional Graduate Employment with Pennsylvania XXXX University and volunteering as a displaced graduate student on hold due to the mishandling of the arbitration of XXXX XXXX Sales who were bent due to the company breaching their contract and having the customer, me, become responsible for multiple vehicles, one which i was gifting to my significant other but further fraud by state farm insurance agent on top of this one, and on top of that from identity theft unresolved from 2013 further cauterized from 7 years fraud alert on my credit file and was promptly derailed again by further identity theft and fraud from discrimination as a person with a disability and as a volunteer musician and employed graduate student and recipient of XXXX. And now, the XXXX case has gotten shut down apparently due to fraud and discrimination. resolution is important and demand the explanation and resolution regarding the XXXX dollars and the other lost apprehendable bank statements to my main account opened at Date XXXX XXXX branch. Sorry for the mistakes, I am passionate and upset and if you need clarification please reach out to me for more information or preferably an in person appointment. 

There is another account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and alert as to current fraud on various other bank accounts due to discrimination and inability to handle mistakes in their bank and their personal relationship with customers. Such has been my XXXX account, my XXXX account, my US Bank Accounts one which is unknown and must have been to deter from findiing of fact regarding the matters and now in my XXXX XXXX XXXX account which was terminated due to a bank error by a banker who is beside herself lying regarding the event unfortuantely, we all wish good health to all the bankers and banks who are not 100 % accurate and make mistakes and are envious of those bankers whom are better than they are! God bless them and be able to deal with it without resorting to lies and fraud.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following information in my file. The account/public record Im disputing is as follows : XXXX / XXXX As I have told you previously, and as well as in the dispute, this account has serious discrepancies and is inaccurate. I dispute the issues with the payment history including ( 1 ) the number of past due payments for each of these accounts varies across your files in previous years as well as all other credit bureaus. ( 2 ) the dates of the past due payments for each of these accounts vary across your files in previous years as well as all other credit bureaus. ( 3 ) the number of derogatory days ( status codes ) for each of these accounts varies across your files in previous years as well as all other credit bureaus. ( 4 ) A Charge Off ( CO ) cant be used/counted as a late payment. 

When I disputed this account, XXXX XXXX XXXX showed XXXX past due payments with dates and status of ( XXXX 30 days ; XX/XX/XXXX 30 days ; XX/XX/XXXX 60 days ; XX/XX/XXXX 90 days ; XX/XX/XXXX 120 days ; XXXX ND days ; XXXX ND days ; XXXX ND days ; XXXX ND days ; XXXX CO days ). The fact that Charge Offs ( CO ) is used to determine as a late payment, it is illegal ( they cant be counted ). The payment history for this account shows no late payments, nor payment history listed on XXXX after disputing the same information. All credit bureaus payment history should be identical for the account, which it isnt. 

It was only after I disputed this information and ask for it to be removed from my file, did you allow the company to update the information with new payment history, late payments, the dates of late payments vary again along with new status codes now ranging from " CO '' days. This account was reported XXXX XXXX ( CO ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX making it appear that this just happened, but the actual date was XX/XX/XXXX and it was done purposely. This company changed a crucial part of my payment history to look as though this account just closed even though it was over 4 years ago. This is a blatant re-aging process which your company continues to allow. Enclosed is documentation supporting my request : my credit reports from all credit bureaus, with the disputed items both circled and highlighted. You will find previous copies of your credit files showing the payment histories, including number of late payments, dates of late payments, status codes of late payments. All of these are still inaccurate as they were before for the reasons listed above. It shows you have allowed the company to shift the payment history around along with dates, as well as derogatory ( status ) codes.
Consumer complaint received 2024-06-11
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-11
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)

IM NOT ASKING THAT YOU PUT A BLOCK ON MY REPORTS IM ASKING YOU TO REMOVE UNAUTHORIZED ACCOUNTS! ACCORDANCE WITH TITLE 15 6801 ( a ) b ) 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NON-PUBLIC PERSONAL INFORMATION. ACCORDANCE WITH TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS TO BE FURNISHED ON MY XXXX XXXX EXPERIAN REPORTS ACCORDANCE WITH 15 6802 a ( b ) 1ABC OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ACCORDANCE WITH 18 USC 894 TO CONSPIRE TO COME TOGETHER TO COMMIT A CRIME. I DIDNT SIGN ANY DISCLOSURE FORMS I U FEEL I DID PLEASE SEND DOCUMENTS WITH MY WET SIGNATURE I ASKING THAT THESE UNAUTHORIZE ACCTS BE DELETE AND NEVER REAPPEAR
Consumer complaint received 2023-05-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (WI)

On XX/XX/XXXX Chime banking app closed my account. I am not able to verify the amount left in my account because i am shut out of the appon my phone. I believe the amount in the account is in the neighborhood of XXXX dollars. I have tried reaching customer service but am unable to speak to a live representative. I was told in an email that a check would be sent to me. I am still waiting. I do not want to wait for results forever because i am moving in a few weeks and can really use the money. Thank you.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXXk XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing XXXX XXXX  to my name and good character as well as my overall credit capacity
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing XXXX XXXX to my name and good character as well as my overall credit capacity
Consumer complaint received 2024-06-20
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: EQUIFAX, INC. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (MA)

Mr. Cooper responded to my previous complaint through CFPB with a letter, and attachment ( please see the attachments ), dated XX/XX/2023 stating that they have updated my payment history. This information has NOT been updated on Mr. Cooper 's website. My account is still showing that a payment is due on XX/XX/2023. My next payment due is XX/XX/2023. 

The website needs to be updated to reflect the account as current. Additionally, the credit bureau needs to be contacted by Mr. Cooper to rectify any bad credit reporting on behalf of XXXX XXXX and Mr. Cooper.
Consumer complaint received 2024-06-11
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. (KY)

I pulled a copy of my credit reports from all three credit bureaus and to my amazement I noticed many late payments on an old CLOSED account that I was NEVER late for. This same account shows PAID AS AGREED on my report just one month prior. Also, not only is this reporting as inaccurate late payments on my credit reports, but this erroneous account is showing TWICE on my report as a duplicated account on my credit report! I have attached both the inaccurate account and the duplicate that is reporting. I have also attached the same account that shows PAID AS AGREED/NEVER LATE. 
I demand that you reverse this account immediately to PAID AS AGREED as I was never late on this account. 
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 1681i ( 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 information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified to PAID AS AGREED on my credit file.
Consumer complaint received 2024-06-11
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. (TX)

I Became a victim of identity theft who ever stole my identity opened up these fraudulent accounts. 

XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX opened XXXX
Consumer complaint received 2024-06-11
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. (TX)

Please remove these fraudulent accounts from my XXXX credit report. 

1. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Collection Date : XX/XX/XXXX Balance : {$280.00} 2. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$3600.00} 3. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$5700.00} 4. Please remove this account from my credit report XXXX XXXX Account Type : Charge Off Date : XX/XX/XXXX Balance : {$110.00} 5. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX  Account Type : Closed Account Date : XX/XX/XXXX Balance : {$530.00} 6. Please remove this account from my credit report. 
XXXX XXXX Account Type : Repossession Date : XX/XX/XXXX Balance : {$8400.00} There was no action that was completed by the company. 


Please remove this from my XXXX credit report. 

1. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$280.00} 2. Please remove this account from my credit report XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$3600.00} 3. Please remove this account from my credit report. 
XXXX XXXX XXXX Account Type : Charge Off XXXX Balance : {$10.00} 4. Please remove this account from my credit report XXXX XXXX Account Type : Repossession Date : XX/XX/XXXX Balance : {$8.00}, XXXX XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX Account Type : Closed Account Date : XX/XX/XXXX Balance : {$530.00} Please remove this from my Experian credit report 1. Please remove this account from my credit report. 
XXXX XXXX Date : XX/XX/XXXX XXXX : {$530.00} 2. Please remove this account from my credit report XXXX XXXX Account Type : Charge Off Date : XX/XX/XXXX Balance : {$110.00}
Consumer complaint received 2024-06-11
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)

On checking my credit today, I noticed unauthorized credit inquiries. I mailed letters to XXXX, Experian, and XXXX disputing the unauthorized credit inquiries which are supposed to be deleted as per the Fair Credit Reporting Act. 

Experian, XXXX, and XXXX have not removed the unauthorized credit inquiries from my credit report to date. The unauthorized credit inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX