davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PR)

I am writing to dispute and request the correction of inaccurate address information on my credit report. The addresses listed do not accurately reflect my residential history, and I request that the incorrect information be updated accordingly. 

Personal Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX 
XXXX, XXXX Previous Addresses :XX/XX/XXXX Issue : The addresses listed on my credit report contain inaccuracies, including addresses where I have never resided or addresses with incorrect formatting. These inaccuracies could potentially affect my creditworthiness and the accuracy of my credit report. 

Requested Action : I request to conduct a thorough investigation into the inaccurate address information listed on my credit report and make the necessary corrections to ensure that only accurate and verified addresses are reported. 

Furthermore, I request that any addresses that do not belong to me or are incorrectly formatted be removed from my credit report promptly.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Primary issue : CHASE BANK NEVADA deliberately or negligently failed to return funds that they knew were part of a money laundering scheme. 

XX/XX/XXXX : Chase Nevada negotiated XXXX cashiers checks totaling {$60000.00} from XXXX XXXX  ( Ohio ) and deposited them to XXXX of their ( Chase Nevada 's ) business accounts. 

XX/XX/XXXX : XXXX XXXX  requested return of funds from Chase Nevada after realizing that that the funds had been sent in error due to fraudulent misdirection ( a fraudulent money diversion/laundering scheme was discovered ). XXXX XXXX  received and shared all necessary indemnification documentation to enable Chase Nevada to return the funds. According to XXXX XXXX  's Chief Risk Officer, Chase Nevada responded that " funds are not available '' in the applicable account for return. 

Following our subpoena of Chase Nevada 's account records during this time, there is proof that, despite their claim to the contrary, the funds WERE in fact available on the date XXXX requested their return. Further, the account continued to hold the funds for an ADDITIONAL 7 DAYS ( with no further communication with XXXX XXXX  or effort to return the {$60000.00} ). 

On XX/XX/XXXX Chase Bank, rather than return the fraudulent misdirected funds to XXXX XXXX, instead wires the funds to a Credit Union at the request of the account holder facilitating the money laundering scheme. We further learned through subpoena that Chase Nevada had red-flagged the business account which appears to have been set up by a fraudulent business solely for multiple money laundering purposes. 

XX/XX/XXXX : After presenting our subpoena evidence to XXXX XXXX  and requesting their Chief Risk Officer file a claim with Chase for reimbursement, rather than provide reimbursement for their negligence, we are told that Chase again responded to XXXX with : " Claim Denied. Funds Depleted. '' Now, due to Chase Bank Nevada 's gross negligence at best ( fraudulent behavior at worst ), the entire {$60000.00} is gone and we have incurred an additional excessive burden trying to remedy the matter... .all of which could have been moot if Chase Nevada had simply been honest on XX/XX/XXXX and acknowledged the available funds and returned them to XXXX XXXX  XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I pulled a copy of my credit report and noticed fraudulent accounts that i need DELETED immediately. Under 15 USC 1681c-2, I am demanding the following fraudulent accounts be immediately deleted from my consumer reports as they were NOT accounts originated by myself nor were they authorized to be posted on my consumer report. This constitutes identity theft and they must be deleted immediately. PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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)

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-05-07
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. (CA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-05-07
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. (CT)

I was a victim of identity theft. All types of credit cards and loans were applied for in my name without my knowledge. I talked to the credit bureau companies, they told me I needed to file a police report. I can't believe someone would do this to me or that the credit bureaus are making me file a police report when they normally handle things like this. I want these accounts removed off my credit. I listed the accounts that needs to be removed since I did not apply for these accounts. Experian FRAUDULENT ACCOUNTS TO BE DELETED : XXXX. XXXX XXXX ( closed ) account # XXXXFraudulently opened on XX/XX/XXXX ( Identity Theft! ) XXXX. XXXX XXXX account # XXXX. Fraudulently opened on XX/XX/XXXX ( identity Theft! ) FRAUDULENT INQUIRIES TO BE DELETED : XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX. XXXX XXXX NA Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate.

INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-06-05
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. (IL)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-05-06
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. (NY)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-07
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. (PA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-06
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)

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX XXXX XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be REMOVED/ DELETED from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XXXX XXXX. Please see screenshot attached : Sincerely, XXXX XXXX
Consumer complaint received 2024-08-21
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-02-11
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. (MS)

This is only the 4th time that I have sent this complaint ... With NO corrected response. Everyone is obviously not reading the complaint and absorbing the information in their brains for processing! AGAIN... why not pull the complaint out that I have sent certified and by email ... give it to someone in your LEGAL department that has some education and can read. I think what I really need to do, is just turn this case over to MY attorney and file suit against every XXXX that should be fired for their incompetency.
Consumer complaint received 2024-06-22
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony PayPal credit decide to closed my account on XX/XX/year> without notice. After contacting them online I was told it was due to my credit report. My reaccredit report has had XXXX changes with all all accounts showing in good standing as all my active accounts have been on auto pay. 
Synchrony has a habit of closing my cards at random. they would either lower my credit line for no reason or closed my account with perfect payment history when I had 100 percent payment history across my accounts CAUSING MY CREDIT TO DROP MANY TIMES. 
Synchrony claims they make the decisions based on credit change when they are the root cause of my credit change my lowering my credit line and causing change to my usage percentage or closing my account at random also causing changes to my credit score. 
PayPal credit cars have had XXXX missed payments. 
Synchrony has XXXX reason to close my account and claim of credit report is a bogus reason when all of my opened account are all currently on auto pay.
Consumer complaint received 2019-02-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I submitted a dispute on this website with CFPB over unfair hotel holds on my card after checking out during the XXXX  week in XXXX FL and that has led to retalization on XXXX XXXX XXXX card status. I have had this card for over 22 years and they made a decision to disallow my PAY OVER TIME feature of this XXXX status card. 

The reasons listed by XXXX  in the letter sent by XXXX XXXX are fraud and it has resulted in XXXX XXXX underwriters taking away benefits that I just paid {$550.00} for in Card Fees. 

Please have XXXX XXXX reverse their decision.
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CO)

XXXX XXXX XXXX, represented by the law firm XXXX XXXX XXXX, purchased a credit debt from Synchrony Bank via a bill of sale on XX/XX/XXXX. Subsequently, they filed a summons in XXXX XXXX XXXX, Colorado, case # XXXXXXXX XXXX XXXXXXXX, seeking {$1400.00}. 

XXXX presented an exhibit showing the Synchrony Car Care account as of XX/XX/XXXX, which indicated a XXXX balance and no past due amount. However, the exhibit did show a credit adjustment of {$1300.00}. 

In a Motion for Production of Documents on XX/XX/XXXX, XXXX has yet to provide a contract for the debt, a debt validation letter, or any notes regarding the Synchrony account.

No did Synchrony send a right to cure letter.
Consumer complaint received 2024-05-07
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX 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 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (CA)

ditech - the company we had and currently have our mortgage with is unfairly holding escrow dollars. 

We initiated a cash-out refi with ditech. So we had our mortgage with ditech. We did a refi with ditech. The refi funded XXXX XXXX ditech is refusing to refund us the balance from the old loan escrow account. The customer service folks tell me the " rule '' is that they hold the balance for 30 days prior to refunding. That's ( in my opinion ) unfair and just not right. Remember, this old loan was paid off by THEM. How can they not clear their own books when they paid off the loan. There is no other financial entity involved, no checks or wires from other companies to wait on. In the new loan they required us to fully fund the current taxes due and a surplus. So if they are doing the math correctly they have plenty of money for current taxes and a surplus. There is just no justifying sitting on our refund. 

If I don't make my payment on time, they charge me a {$44.00} late fee. Why shouldn't they do the same when the money is due to me?
Consumer complaint received 2024-05-06
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. (HI)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-05-07
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. (FL)

XXXX XXXX or XXXX XXXX has been denying us our securities and doing the remittance coupon processes or Negotial instrument using us funds all of these are XXXX in the same and all I wanted was to pay on the account we keep getting denied which all debt are prepaid we have unlimited credit and all sum of money should be returned back to the creditor which we are XXXX XXXX XXXX XXXX XXXX XXXX and XXXX
Consumer complaint received 2023-04-27
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. (AZ)

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

XXXX 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

XXXX  15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX  Delete this account.

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account.