davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-04-24
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. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-12-15
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. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I received a text from Chase Bank stating that my credit card needed " attention. '' When I phoned Chase Bank, the agent informed me that my regular payment of {$40.00} made on my XXXX interest rate credit card was not enough to cover my new plan. When I questioned the plan that she was referring to, I was informed that I signed up for their new program referred to as " Pay over time '' which would quadruple my payments so that I could pay off a portion of my balance in 12 months. I informed this agent that I was already at a promotional rate and did not, nor would I sign up or authorize a new plan. The terms of my original, no interest plan are sufficient for my needs and in no way did I authorize a change to this credit card. I asked for proof that I authorized this new addendum added to my card and each of the four agents that I spoke with told me that it can not be reversed and there was nothing that could be done. This financial abuse must be addressed. I demand that this pay over time plan be removed from my credit card and set it back to what I originally agreed to.
Consumer complaint received 2024-04-24
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. (WI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-24
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 BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (PA)

I have contacted XXXX, XXXX, and XXXX on the dates of XX/XX/2023, XX/XX/2023 and XX/XX/2023. ( Copies of letters sent are attached to this complaint. ) I received an email from XXXX stating that they received my dispute and that the matter was being worked on but nothing has been done, no update, no results of investigation. 
I also contacted the creditor that is listed on my credit report. on XX/XX/2023 and ask them for validation of debt due to the fact that I did not know what account this was and asked for proof once I noticed it on my credit report AND could not get a response from the credit bureaus. 
I have not received ANY communication from XXXX or Sunrise Credit Services since I began questioning this account in XXXX. The only correspondence I received was a letter from the CFPB and I did not submit a claim to CFPB before today ( XX/XX/2023, letter enclosed ). 
XXXX has deleted this account from my credit report due to them not being able to verify the accuracy of this account belonging to me. 
It is completely unacceptable for this company, XXXX, and XXXX to disregard my rights as a federally protected consumer.
Consumer complaint received 2024-08-22
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (CA)

The first issue is I requested a new card due to the fact I noticed some unauthorized transactions from XXXX XXXX  and XXXXXXXX XXXX. I submitted the claim on XX/XX/year> I received the paperwork in the mail on XX/XX/year> filled it out and emailed it to them. I was told the next day that they havent received my forms and to resend it ok I did. Called in again on XX/XX/year> and was told my claim was denied due to conflicting information I ask what was conflicting and was told he wasnt at liberty to tell me. I then ask about my other claim which is from XXXX they refunded me on XX/XX/year> and the money is missing I guess. Im not even sure as to why I had to dispute something that was refunded already. My next thing was a shoe store called XXXX I order 3 pairs of shoes for my kids and the package is marked delivered yet not delivered to me. They told me I needed to contact that merchant yet in the messages you can clearly see where the company is telling me to dispute it with my bank.
Consumer complaint received 2023-05-04
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have a twenty year history of perfect payments with XXXX XXXX XXXX. 
In XXXX of 2023, XXXX transferred my account to XXXX XXXX 
Since XXXX XXXX  has taken over my accoun, t it has been extremely difficult to work with them or manage my account. I have trouble logging into their website to make a payment. I can not get a password reset. XXXX requires the full XXXX digit account number for password changes, but XXXX hides the account number on all correspondence. If I call to speak with someone at XXXX, it is difficult to get through to a real person. If I can get through, I am not able to speak with someone who can speak XXXX. 
In addition, for many months, my monthly statement was not being sent to the correct address or no statement was received. 
I am not alone in this problem. The XXXX corporate website and various online forums list hundreds of people complaining about all of the same difficulties since XXXX XXXX has taken over their XXXX XXXX account. 
Through no fault of my own, XXXXXXXX XXXX has now marked my credit report with multiple late payments and damaged my credit score. 
I have already disputed this with the three credit agencies, but XXXX refuses to correct the problem.
Consumer complaint received 2024-04-24
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. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-24
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 BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The XXXX stemming from this situation is tangible, affecting my XXXX quality and leaving me XXXX. The discrepancy feels difficult to reconcile with my consistent payment history.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC. (CO)

i received an email from robinhood saying that all of my subscriptions had been canceled and my account had been closed and refused to provide further information. i was able to transfer my brokerage funds out of my robinhood account but not my IRA funds. now i am unable to sign into my account and transfer the rest of my money. when i try to login on either the app or website it says i am using an invalid account. robinhood support has not responded to my email. i received the original email notification about my account cancelation on XX/XX/XXXX and i am allowed 30 days to withdraw all funds from robinhood
Consumer complaint received 2024-04-24
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 BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2024-04-24
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. (LA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-12-15
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. (TX)

I am writing to formally lodge a complaint regarding the persistent and unresolved issues related to the correction of late open accounts on my credit report. This marks my second attempt to rectify these inaccuracies, and I am deeply concerned about the continued negative impact on my credit profile. 

Despite my initial efforts to address these discrepancies through your dispute resolution process, the corrections have not been made, and the inaccurate information remains on my credit report. 

Despite my prior dispute and documentation submission, the late open accounts persist on my credit report, casting doubt on the effectiveness of the correction process. 

The inaccuracies in reporting late open accounts negatively impact my creditworthiness and may have adverse effects on my ability to secure favorable terms for loans and other financial transactions. 

The lack of clear communication regarding the status and resolution of my dispute has added to my frustration and uncertainty about the steps being taken to address the inaccuracies. 

I request the following actions to be taken promptly : I urge you to conduct a thorough re-investigation into the late open accounts on my credit report, considering all the evidence and documentation previously provided during my initial dispute. 

Upon confirmation of the inaccuracies, I insist on the immediate correction of the late open accounts on my credit report to prevent further harm to my creditworthiness. 
I expect clear and consistent communication from your bureau, providing updates on the progress of the re-investigation and the steps being taken to rectify the issues. 

I request that your bureau takes proactive measures to prevent the recurrence of such inaccuracies in the future, ensuring the accuracy and reliability of credit reporting. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : XXXX.
Consumer complaint received 2024-04-24
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX Date Opened XXXX {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00}
Consumer complaint received 2024-04-24
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. (FL)

There are several inquiries on my credit report without my knowledge. 

In section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Codes & 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 )
Consumer complaint received 2024-04-24
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 express deep dissatisfaction with the ongoing presence of fraudulent item on my credit report. After reporting this identity theft, I contacted the company linked to this fraudulent account. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent account would be swiftly removed. It is important to note that both XXXX and XXXX have already removed this account from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify this account when the other bureaus have already removed it XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (SC)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX  DATA XX/XX/XXXXXXXX CRE XX/XX/XXXX XXXX CRE XX/XX/XXXXXX/XX/XXXXXXXX DATAXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX DATA XX/XX/XXXX XXXX XXXXXXXXXX/XX/XXXX XXXXS CREDIT XX/XX/XXXX XXXX  CREDIT XX/XX/XXXXXXXX  XXXX XX/XX/XXXX XXXX  XXXX CRED XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 

XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-04-24
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. (CA)

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. Furthermore, assurances were provided over the phone that the account would be promptly updated. 

XXXXXXXX XXXX XXXX