davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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. (CA)

I am contacting you once more about the fraudulent items that still appear on my credit report despite my multiple attempts to get them removed. This is now my eighth attempt to resolve this issue with your organization, and I am very disappointed with the lack of progress. Despite submitting disputes and supporting documentation on XX/XX/year>, the items remain unresolved, which is damaging my credit history and causing me significant stress. I am hoping that this time my request will be given the proper attention. I kindly ask for a thorough investigation into the fraudulent items on my credit report and immediate action to remove them. Additionally, I would like transparency regarding the steps taken during the investigation and an explanation for the repeated failure to address this issue. The items that need to be removed are as follows : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I am committed to resolving this matter amicably and trust that the credit bureaus are equally committed to maintaining accurate credit reporting.
Consumer complaint received 2024-05-28
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)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint against Experian for failing to update my consumer report accurately and for their use of repeated stall tactics in response to my requests. 

On XX/XX/year>, I submitted a request to Experian to update my personal information and to remove outdated addresses, names, and other identifiers from my consumer report. Despite providing all necessary documentation and following their procedures, Experian has not satisfactorily addressed my requests. 

Instead of taking appropriate action, Experian has sent me several stall letters, delaying the process unnecessarily. They eventually updated my report, but rather than removing the old names and identifiers, they added a new name while retaining all the outdated information. 

This failure to update my information correctly and promptly is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure the accuracy and privacy of consumer information.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/year>, I deposited my XXXX retirement account check via mobile deposit. I didn't end up receiving my funds until XX/XX/year> and this was after numerous hours on the phone with customer service and at the branch. When I went into the branch I dealt with XXXX XXXX. She told me that my bank account was closed due to " non activity ''. Well, the reason why the account wasn't active was because my funds weren't deposited into my account. She ended up reopening my account, giving me the cash amount of the check which was {$1200.00}. On XX/XX/year> I was charged for that same amount, {$1200.00}.
Consumer complaint received 2024-05-28
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. (PA)

I sent a letter on XXXX XXXX to remove this item that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year>
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation (CA)

On or about XXXX, I contacted Owning.com and spoke wXXXX XXXX. I expressed my concern about being able to refinance my home w/no cash out prior to the end of the year. While there are no guarantees, she agreed this was a possibility. She ran my credit, pulled all my information and quoted me a rate of 2.375 %. Like any process, there were items that needed clarification in order to proceed. On XX/XX/XXXX some time before XXXX XXXXXXXX informed me this was the last day they could submit and still close prior to XX/XX/XXXX. At approximately XXXX XXXX., she notified me that they had approval and the documents needed to be signed ASAP. When I reviewed the documents the rate had gone from XXXX to 2.626 %. When I questioned her about the rate increase, I was told rates had started increasing due to the vaccine and political events. I was then informed to shop around and if I found a better rate, that they do rate match. With that information, I signed off on all the documents and went online to inquire about rates. While inquiring one lender asked why I was searching for a new lender if I already had approval. I explained I wanted a better rate and that I was told rates were creeping back up due to the vaccine. This lender proceeded to tell me that rates had in fact gone down the last couple of days and pulled rates to show me. He told me that this happens from time to time and it's called a bait and switch which is unethical. With that information I sent XXXX an email inquiring about the rate, provided her with the rates I had been provided and asked her why she was charging more when the rates had gone down. I also asked her about the bait/switch comment. Within 5 mins XXXX called me and was noticeably upset that I had questioned her integrity. With that she proceeded to tell me that she would be canceling my loan because she could not work with someone who did not trust her and that it would only get worse from here. She suggested I contact a new lender and wished me luck. I at no time asked her to cancel my loan, I was simply looking for clarification and I sent her an email that evening advising her of the same and asked her to have her manager contact me. When I did not hear back I contacted owning.com on Friday XX/XX/XXXX @ XXXX. The individual who answered went over my file and put me on hold. When someone came back on the line it was XXXX, not the individual I had been conversing with. I reiterated to her that I did not cancel my loan and that if she took offense I was sorry but if she read the email that was not the intent, I simply wanted clarification regarding the increased rate if rates had in fact gone down, they my rate should have remained the same, not increase. She said her manager would contact me and I haven't heard from either of them since.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have been in communication with Experian about inaccurate personal information in my credit report. Even after notifying them many times about this error, they continue reporting this incorrect personal information on my file. Not only is it unfair, it is also illegal.

By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair.

I hereby request that Experian block and delete the reporting of this information from my consumer report. My request to block is not made in error, nor is it based on any material misrepresentation of fact by me relevant to the request to block the identified transactions. The transactions in question are not related to any activity undertaken by me as the consumer.

Furthermore, I am providing proof of my identity along with specific information regarding the transactions that are the result of identity theft. Enclosed with this letter are copies of my identity theft report submitted to the Federal Trade Commission ( FTC ) and the police report filed regarding the identity theft.

I have told Experian many times I do not consent to the inaccurate personal information listed below to be reported in my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; INCORRECT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCURATE PERSONAL INFORMATION My only name is - XXXX XXXX XXXX XXXX. 
My only address is - XXXX XXXX XXXX XXXX XXXX, FL XXXX My only date of birth is - XX/XX/1984 My only employer is XXXX XXXX XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-02-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I sent in a Letter on XX/XX/21 stating that the information they had reported on my Consuemer Report was innnacurate and false and I wanted proof of Debt and records. The 30 days have passed. This is MY SECOND TIME WRITING to them, I have Verified Mail showing dates with DL and SS and PROOF OF ADDRESS. NO RESPONSE yet
Consumer complaint received 2024-05-28
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 items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-07-16
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. (TN)

I have an account with credit strong account # XXXX and credit strong reports to all XXXX credit Bureaus but Experian is failing to report my account on my credit report which is hindering me to obtain credit from lenders because my report isn't accurate with the other XXXX Bureaus see attached.
Consumer complaint received 2024-07-10
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 writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability.
Consumer complaint received 2024-05-28
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. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2024-05-28
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)

Ive had this account in charge off status for over 7 years and XXXX removed it with no problem but XXXX and Experian wont remove it. It seems when they get in contact with XXXX XXXX XXXX XXXX they keep telling them this is accurate information, but its been over 7 years. If XXXX can remove it willingly, I dont see the hold up. Originally XXXX removed it and then it was added right back, which doesnt make sense!
Consumer complaint received 2024-05-28
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 formally dispute the presence of fraudulent accounts on my Experian credit report. Despite following your guidelines and submitting dispute letters along with the necessary documentation to the Federal Trade Commission ( FTC ), this account continue to appear on my Experian report. 
Upon discovering this fraudulent account, I contacted the respective company, which confirmed their fraudulent nature and assured me they would be removed from their records. Both XXXX and XXXX have removed this account from their records after verifying their fraudulent status. 

I am perplexed as to why Experian still reports this fraudulent account, especially when the other credit bureaus have already removed it. I have taken all required steps and provided all necessary documentation to prove my identity theft claim. 

I request a thorough investigation into this matter and the immediate removal of this fraudulent account from my Experian credit report. The companies have confirmed the accounts ' fraudulent nature, and their continued presence on my credit report is unwarranted and harmful to my credit rating. XXXX XXXX XXXX.
Consumer complaint received 2024-05-28
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)

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My bank closed my account due to a peer of mine calling his bank and saying he did not receive services from me, the bank then restricted my account 2 days before I had to pay rent so I had to go in person to receive my money from the bank itself and then on Sunday my account is closed and Im being sent a check, I also can not apply for a new bank account and I work 2 jobs
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (FL)

My account & funds have been locked for XXXX  now after i've recieved or sent a XXXX. They've been telling me they'll investigate this matter but its been over XXXX  months now & they still have over XXXX of my money sitting there. This should not be legal in any way shape or form & i want my money back after being so patient. Please help! XXXX banking has been a nightmare.
Consumer complaint received 2024-05-28
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)

There is incorrect information on my credit report. 
My credit report is reporting an account on my report from XXXX XXXX  XXXX which is indeed not my account. I would like this account removed. It is not accurate. I disputed this with Experian, XXXX and XXXX plenty of times with no resolution. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In gonerallf, atter any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannol 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information rolating 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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

Subject : Request for Thorough Review of Credit File and Addressing Inconsistencies Dear Credit Bureaus, I am writing to request a thorough review of my credit file and address inconsistencies that I have identified in the information reported. I have previously requested verification of the information, and although you have confirmed its accuracy, upon further examination, I have discovered several discrepancies that need to be addressed. 

One major concern is the inconsistency in my addresses. I have noticed that there are multiple addresses listed on each of the credit reports, none of which are consistent with my actual residential history. I have only lived in XXXX different places throughout my entire life. Firstly, I resided at XXXX XXXX XXXX XXXX until I was around XXXX XXXX XXXX. Then, I lived at the XXXX XXXX  from the age of XXXX until I was about XXXX. Currently, I reside at XXXX XXXX  XXXX XXXX, XXXX XXXX, as I have recently moved. It is crucial that my credit file accurately reflects these addresses [ [ 5 ] ] Furthermore, I have observed discrepancies in the reported dates and amounts associated with certain credit-related information. It is imperative that these inconsistencies are thoroughly reviewed and corrected as necessary. The dates and amounts should align with the accurate and verifiable data to ensure the integrity of my credit file [ [ 1 ] ] According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to maintain accurate and up-to-date consumer credit information. Section 605 ( b ) of the FCRA outlines the requirements for the disclosure of adverse information, including the dates, original payees, and amounts of any checks that form the basis of any adverse characterization of the consumer [ [ 1 ] ] Additionally, Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that consumers have the right to request a thorough investigation of their credit file and have any inaccuracies corrected [ [ 3 ] ] I kindly request that you conduct a comprehensive and meticulous review of my credit file, addressing the inconsistencies in addresses, dates, and amounts as mentioned above. Please ensure that all the information reported accurately reflects my true residential history and financial transactions. I also request that you provide a written response detailing the steps taken to investigate and rectify the identified discrepancies within the timeframe mandated by the FCRA [ [ 6 ] ] Thank you for your prompt attention to this matter. I look forward to a thorough review of my credit file and the subsequent correction of any inaccuracies found. 

Sincerely, XXXX XXXX XXXX XXXX XXXX south XXXX XXXX XXXX XXXX XXXX Oregon XXXX