davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OR)

During the week of XXXX, XXXX, I received a phone call on our land-line ( XXXX ) for my husband. He was at work and I said " Could I help? '' XXXX said there was fraud on my Bank accts. He called me once every day to check in with me for three days. I BELIEVED HIM. Later in the week, I told him that {$120000.00} was transferred from our personal savings into our business checking acct. without our authorization. 

When I went to the Bank on XXXX  the XXXX, the Banker immediately put all our accts on hold as well as on-line banking. We then were out of town for 3 days. 

On XXXX, XX/XX/2023 I went in and talked to our Banker. He checked thoroughly and didn't see any problems. He took the holds off and re-opened our on-line banking. I trusted him that everything was okay to do this. 

Then on Friday, XX/XX/2023 my husband was in the bank to do some withholding from another account. The manager and banker informed him that approx. {$100000.00} was taken from our business checking account by fraud, and we had a negative balance. After investigating, the info ( they said ) it all happened on my computer without my knowledge I don't know how and I don't know anything about their investigation. We need help!!!! We just can't take their word for it.

The thieves used their team mobile phone to transfer the $ to their bank account which has been transferred and not retraceable.

My husband is currently working with the head honchos on the phone with the Bank in another state where the headquarters are located. They don't return his calls, when they say they will call back within 48 hours.

What do we do??? I can scan some items if needed, Please advise.
Consumer complaint received 2024-06-07
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. (IL)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-20
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. (NC)

Dear CFPB, I am writing to file a formal complaint regarding significant inaccuracies in my credit reports from the major credit bureaus. Despite my efforts to resolve these issues directly with the credit bureaus, the inaccuracies persist, adversely affecting my creditworthiness. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. The FCRA also stipulates that disputed information must be investigated and corrected within 30 days. The credit bureaus have not adhered to these legal requirements, failing to correct the erroneous information even after being provided with comprehensive evidence. 

Enclosed with this complaint are the following documents : Copy of My Credit Report : Showing the current inaccurate information. 
Highlighted Credit Report : Clearly marking the disputed items. 
Supporting Documents : Including a copy of my ID, Social Security Number ( SSN ), and proof of address that confirm my identity and substantiate my claims. 

These errors have resulted in unjust denials of credit and unfavorable loan terms, causing significant inconvenience and financial distress. A fair resolution to this issue would be to delete these inaccuracies from my credit report. I request the CFPB 's intervention to ensure the credit bureaus comply with federal regulations and correct the inaccuracies on my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this complaint and inform me of the next steps in your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

I sent XXXX pages of proof to Barclays and called multiple times. About an issue I had XXXX XXXX XXXX I had more than adequate proof that they should see that I deserved the dispute money back. I literally had proof of every wrong doing XXXX the company and them admitting it. I sent that originally in XXXX. Then didnt hear anything until XXXX in which I was told to send everything AGAIN and then still had to call for feedback. All the proof I sent shows that I should get my full Dispute of XXXX $ back. And then on top of everything else and I filed here and spoke to someone - No One called me back or been told me that this case was closed. Im very frustrated and upset.
Consumer complaint received 2024-06-23
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)

Inaccuracies reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$830.00} on XX/XX/XXXX, XXXX 

to Experian, XXXX, and XXXX credit bureaus. After I filed disputes, an investigation by Experian was conducted, and creditors verified that debts were mine. These are not my debts. I dispute these findings, and am requesting the following : Debt validation proof, detailed list of payments on account, my signature on said account contracts, any insurance claim filed on debt, proof of chain of title to collect on debt, in Accordance with 15USC 1692 G. 

I also dispute a Hard Inquiry on my Credit Report By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bell Global Services LLC (MO)

On XX/XX/year> someone by the name of XXXX XXXX left a voicemail for me. He said that he needed to talk to me or my attorney and gave a number to reach him at. He also stated that I had no idea what was about to take place and I needed to call him back. I called him back that day and he said that they had received a judgment against me and that they were going to file the judgment. I told him a judgment is not filed, it is obtained. This concerns a loan from XXXX XXXX XXXX, which is a payday loan company. I do not recall getting any loan from this company. The debt collection company is Bell Global Services, LLC. Their address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NJ XXXX. Their phone number is XXXX. It is my contention that they were intentionally and fraudulently misrepresenting this as a legal matter or lawsuit when it was not.
Consumer complaint received 2024-08-21
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. (GA)

In accordance with 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-05-20
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. (NV)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (MN)

Rocket sent me email XX/XX/year> stating my XX/XX/XXXX payment was over due. I sent email including copy of my check # XXXX for {$2300.00} like I do every month for over a year for XXXX {$2200.00} + {$76.00} extra toward principal so check is even {$2300.00}. It even states that on the check ( copy ) I sent them in email so clear as can be. They respond with ''Do you want the part of this check ( that was put on principal ) to be your XXXX XXXX payment? '' I said, " Yes, like every month. Why would you suddenly do this and add a late fee and applied my entire check to principal and then tell me I have not paid my XXXX XXXX payment??? I send a separate check during the year to be put on my escrow account because they told me I had to do it that way. I told them they need to hire accounts receivable people that know how to handle the finances!. I checked again just now and they show I currently owe {$4400.00} due XX/XX/XXXX. I've already sent my XXXX. XXXX check ( early as always ) for {$2300.00}. They don't seem to care to fix this and I am XXXX and am so frustrated by them and their juvenile emails. I don't need this kind of harassment if you will. I pay so there should be no problem, no harassing emails.
Consumer complaint received 2024-05-20
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. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I am following up on the recent investigation. I disagree with your findings and seek complete accuracy. I am not convinced that sufficient efforts were made to contact the creditor reporting this information on my report. As a result, I am requesting additional information regarding these specific accounts in question : XXXX XXXXXXXX Balance Owed : {$250.00} & XXXX XXXXXXXX Balance Owed : {$340.00}. Again, in accordance with the provisions of the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, please reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the individuals contacted. You have fifteen ( 15 ) days from the receipt of this letter, as stipulated under 15 U.S.C. Section 1681i ( 5 ) ( A ), to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this period constitutes non-verification, and the items must be promptly updated as per Section 1681i ( a ).
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2022-11-24
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: EQUIFAX, INC. (MA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

My information was sold and bought illegally because I was a victim of data breach by the direct negligence of On XXXX XXXX and XXXX data breach. I want these items deleted from my credit reports effective immediately : 1. XXXX XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX  XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX I am attaching proof that XXXX and On XXXX XXXX have admitted that I was in fact a victim of these data breaches and Experian has refused to remove these items. Please help me delete these illegal accounts from my credit reports as I am a victim of identity theft and data breaches.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I am sending in response to the recent reinvestigation that remains unresolved. This is my follow-up, and I do not concur with your findings, as I am requesting complete accuracy. I am dissatisfied with the effort made to contact the creditor reporting this information on my report. Therefore, I am asking for additional information regarding these specific accounts in question : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} ; XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$32000.00}.
Consumer complaint received 2024-06-07
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. (PA)

I have items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these itemsin line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
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. (TN)

Hello! I am sending this follow-up complaint regarding the fraudulent items listed below, which are reported on my credit report in violation of federal law. Despite reviewing my updated credit report, these fraudulent items still remain. According to the Fair Credit Reporting Act, 15 USC Sections 1681, you are required to remove the items listed in the ID Theft report within the timeframe mandated by law. The continued reporting of false information is now affecting my credit. Below is a summary of the fraudulent items showing on my report : XXXX XXXX  XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$720.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX & XXXX Original Creditor XXXX  XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX  Original Creditor XXXX  XXXX XXXX  XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XX/XX/year> ; XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00}.