davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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. (IL)

I filed a FTC Report # XXXX for possible identity theft. I also contacted the creditors and credit bureaus. Via mail and phone several times. With no resolution. These inquiries are hurting my credit. I also placed a fraud alert... I did not apply for credit with any of these companies! I need these inquiries removed immediately... 

Inquiry an date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-25
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. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-05-16
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: EQUIFAX, INC. (NC)

XXXX XXXX, XXXX Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, XXXX, I filed an online dispute with Equifax after reviewing my credit file only to find a number of inquiries that were bogus. Equifax clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate  bogus inquires. Equifax has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, XXXX yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXXXXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of Equifax lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (OH)

We are trying to work through the process of trying to close on my  Aunt 's co -op, located in the neighborhood of  XXXX . For several weeks our attorney has tried to get the official pay off documents so that the closing can move forward. It 's not a complex process because our buyer is offering cash for the deal. The bank has stalled and delayed and stalled to the point that we are going to lose this buyer and have to begin the whole process over again. Considering how hard it is to find a buyer who is approved by the Co-op board, we would like to avoid thi s. M & T Bank ha s been of little help. We get excuses. We get promises and still we wait. The bank simply says, " well, we 're waiting on the paperwork from this person or we 're not sure where the document is. '' Meanwhile we are getting a financial hit because we have to continue to maintain the property, maintain the utilities and pay co-op fees.     We, including our attorney, are frustrated. HELP!
Consumer complaint received 2024-11-01
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. (NY)

I am writing to request the blocking and deletion of an unauthorized inquiry on my credit report. 
As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request the removal of all fraudulent items.

Unauthorized Inquiry : XXXX XX/XX/year> XXXX
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. (PA)

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX CREDIT CARD account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (IL)

This account is been taken as long as they feel like to send back all the information we needed to remove this both accounts have been reported on my credit for over two months and when I contacted the company trying to find out more information on why are they continuing to tell the credit company and tell them oh well we have this to verify that this account is and belongs to the person name XXXX XXXX we can not find out how the information they are saying is more then a copy of a police report that I know I sent in but now it's just comes up lost file I think something is up with the company so be for I file this hard lawsuit against them and I understand they want tlbe able to pay it. Can you look in to this. Company name address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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. (GA)

I recently disputed an account on my consumer report that came back UPDATED. Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) i have the right to request an explanation of the verification method used I am requesting the method a verification that you used for the following account : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-26
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. (NY)

am writing to dispute several accounts reported under my name without my consent, violating the Consumer Credit Protection Act ( XXXX XXXXXXXX XXXX  ). I have contacted Experian and XXXX regarding these inaccuracies, but they failed to provide the requested evidence and indicated they would not remove the accounts. 
I request an investigation into these accounts and the following : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$740.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$1600.00} XXXX XXXX # XXXX XX/XX/XXXX {$740.00} Dated XX/XX/XXXX XXXX- I spoke to ( XXXX ) case # XXXX Experian. Case XXXX I spoke to XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-10-26
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-10-26
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX I sent out a certified letter it was received by TransUnion on XXXX/XXXX/XXXX The letter was sent to TransUnion in regards to inquiries that are showing up on my credit report that do NOT belong to me. Despite having a fraud alert on my account they still allowed for multiple inquiries to be made by someone else. They keep sending general letters saying these inquiries are factual. They responded on XXXX/XXXX/XXXX three days later to my initial dispute. But they are NOT factual because I did NOT make them. They would know that if the did an actual investigation. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order There was not a permissible cause for any of the following. I have reached out to the creditors that I could but each of them want me to give them my information and I am not comfortable with that especially since they already have ran my information without my permission. Transunion is the only credit bureau that has not followed the correct steps in the matter. Every other credit bureau has found out that these inquiries did not belong to me and have deleted them.I know that Transunion should investigate these inquiries but there is no way possible within 3 days they investigated any of my inquiries. I am a consumer and I have the right to have only correct information on my credit report. FCRA 623 ( b ) ( 2 ) and 611 ( a ) states that any information can be disputed and MUST be investigate and responded to. There is no way that a complete investigation has taken place in 3 days. There was a lack of investigation to my original disputes and due to these unfair practices my inquiries need to be deleted immediately. Transunion is in violation of the above FCRA rules. Creditor Name with some showing mutliple dates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 623 ( b ) ( 2 ) and 611 ( a ) states that any information can be disputed and MUST be investigate and responded to. There is no way that a complete investigation has taken place in 3 days. There was a lack of investigation to my original disputes and due to these unfair practices my inquiries need to be deleted immediately. Transunion is in violation of the above FCRA rules.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Dealing with XXXX. My payments were not late that they are reporting to all three credit bureaus. I was on a payment plan. I used this card for business that was affected by covid and have been trying to pay it off ever since. I have made consecutive payments and most recently they are reporting I was late with out any notification. I have paid the entire balance in full and yet it is still reporting negative in month of XXXX XXXX XXXX
Consumer complaint received 2017-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

THIS IS THE SECOND TIME I AM FILING THIS COMPLAINT In    XX/XX/XXXX    I noticed that I had a strange charge in my checking account. The charge was fro   XXXX  . I pulled up my checking account and also noticed a " preauthorized check '' in the amount  XXXX  that was taken from my account. After some time I realized that I had been charged monthly sin ce  XX/XX/XXXX . I was pretty upset over this and decided to contact Chase Customer Service. The  person I spoke with said that there was nothing they could do. I said, " I did not authorize these charges. Surely you can do something. '' Th e Chase asso ciate would not help me. I then spoke with her supervisor who said that there was nothing he could do. I asked to speak with his supervisor. He called me a few days later and apologized but he could not help. I then said, " can you at least stop these charges? '' They said, " we can do a stop payment on each for {$30.00} for eac h ( 60 tota l ). I tried contacting  XXXX   XXXX  and  XXXX . I could not get in touch.  One time a wo man answered and she sounded like she was in her car. I was NOT going to pay chase to stop these charges. I was going to find another way.   Several months ago, my boss told me to contact the CFPB in order to dispute these charges. The charges for  XXXX  are from  XXXX   (  totaling  XXXX  ) and the checks are from  XXXX  ( totaling  XXXX  ). After I contacted CFPB, someone from  Chase contacted me and told me that she would help as best she could. She called me a day later and said, " Oh, you never filed a claim with Chase. '' I said, " I was never told to file a claim. I spoke with an associate and two supervisors. They all gave me a hard 'no. ' '' She said, " Oh well I ca n't help you until you file a claim. '' Ok, so I just called Chase in order to file a claim. The claims adjuster name d  XXXX , just told me that she coulud not help me at all. That they can only go back as far as 6 months. She ca n't even pull up the record. I said, " that 's funny, because I just printed up every month that was charged. '' I then said, " well, I need to file a claim so that I can move forward with this. '' She kept telling me that she could not help and that there was nothing that could be done. At this point I 'm upset. I did not authorize these charges. I was scammed and this is not right. I want all of my money back. I want the  XXXX  and  XXXX  charges refunded back into my account. The total should be : {$1600.00}.