davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX ACCT # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NY)

I am writing to file a formal complaint against KeyBank regarding their handling of a dispute process, theft, and unauthorized transactions on my account. Additionally, I am seeking assistance regarding unauthorized transactions on XXXX XXXX that occurred while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX, I became aware of unauthorized transactions on my KeyBank account totaling over {$10000.00}. These transactions were clearly taking advantage of me during a vulnerable time as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I believe these unauthorized transactions were conducted without my consent or knowledge. 

Despite my repeated attempts to resolve these matters with KeyBank, I have encountered significant challenges in obtaining a satisfactory resolution. Their dispute process has been ineffective, and they have failed to adequately investigate or address the theft and unauthorized transactions on my account. 

Furthermore, I have also experienced unauthorized transactions on XXXX XXXX during the same period. These transactions appear legitimate and were conducted without my authorization while XXXX XXXX XXXX. I suspect that these transactions are related to the same individuals who took advantage of my situation to exploit me financially. 

Key Bank has denied more than 80 % of Disputes that I have filed with them with a conflicting conclusion and furthermore to rush the investigation to avoid the provisional credit that is given within 10 days per regulation E. 
Also I had a dispute for XXXX XXXXXXXX XXXX XXXX XXXX  that was reversed .No explanation or proof they came to my home to complete the installation. They did not do it correctly and used the wrong color. After several failed attempts to contact them I contacted the Bank as they should not have been paid for an incomplete job. It is my right as a consumer to reverse the payment if the job was not complete. Key Bank did not allow me to exercise that option. And I had to pay another company to complete there job. 
Finally I have reported all unauthorized transactions to the relevant authorities. 
I appreciate your urgent attention to this matter and look forward to your prompt response. Please do not hesitate to contact me if you require any further information. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-09
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. (DE)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-11-09
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)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NV)

I paid a XXXX XXXX  with my Navy Federal Credit Card and the guy made a charge for {$610.00} dollars on my credit card and the charged should has been no more than the eauivalent to {$20.00} us dollars. I been asking Navy Federal hundreds of times to complete an investigatino with the financial institution in XXXX and they refuse to help me. Navy Federal want me to produce documents that I don't have : XXXX Receipt from the vendor ( XXXX XXXX ) the guy never gave me a receipt. I don't have it, IT'S IMPOSSIBLE FOR ME TO REPRODUCE XXXX. THAT WILL BE FRAUD ON MY END. 

XXXX Navy Federal wants me to produce documentation that I paid the vendor ( XXXX XXXX in a diferent wat or form. I DID NOT. I ONLY PAY WITH MY CREDIT CARD. I CAN NOT PROVIDE SOMETHING THAT NEVER HAPPENED. 

And becasue I don't have the documents, -Becasue they never existed_ Navy Federal refuses to help me.

This is not going to end here. Im willing for misery {$610.00} cents to make some noise againt Navy Federal.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XX/XX/year>, I called citizens bank to release a zelle fraud block on my account for trying to XXXX my mother {$XXXX}. I was told I had to wait up to XXXX minutes for the tech XXXX to unfreeze my account. After XXXX minutes and being told just seconds until I was connected, the bank rep Told me he has having technician issues connecting me to the technical XXXX, had been in placed last in the queue and was not able to give me an estimated wait time though he did say it could be up to the time I had already waited. Confused by this policy of placing me last when it was a bank technician problem, I asked for the supervisor. I was told on a recorded line that the supervisor refused to take my call. At this point I said I would like to cancel my account. Suddenly, the supervisor was able to take my call! Wow! Citizens bank supervisor would rather have their customers cancel their account than resolve an issue! When I asked the supervisor if she would email the transcript she refused. She told me she wasnt able to call out or email out, a call center supervisor who isnt allowed to call or email out, the first of its kind! She gave me a reference number of the transcript ( XXXX ) and then asked to put me on HOLD AGAIN. What a horrible supervisor, horrible guidelines and even worse policy of placing XXXX hour waiting calls LAST ON QUEUE after a BANKS REP FAILURE TO CONNECT.
Consumer complaint received 2024-05-10
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)

I am the victim of XXXX XXXX. I learned this fairly recently but it has been a few months now. I followed all of the procedures correctly and I filled out all of the reports just like I was supposed to and sent them off to the credit bureaus with my IDs attached. The problem is that they have not responded to me AT ALL and it has been well over the XXXX days they have by law to do so. I know that I have rights under Federal Law but these credit bureaus seem to think they are above the law! Please help me. This is really messing me up!
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate. 




[ XXXX  XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Consumer complaint received 2023-11-09
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)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2023-11-09
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. (IN)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with Experian, XXXX and XXXX 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts : XXXX XXXX Bankruptcy XXXX I have made contact with the court house and they have reported to never filing a XXXX  XXXX Bankruptcy.
Consumer complaint received 2024-05-10
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-09
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 requested for these companies to show proof of the credit accounts reporting to the Credit Bureaus. They responded back with no proof whatsoever. Which is in violation of my rights with the Fair Credit Reporting Act 611 ( a ) ( 7 ). I do not want to request a reinvestigation. I simply want these items removed, IMMEDIATELY! They have been unable to respond in a timely manner and provide the method of verification. Please remove the following items from my credit report to prevent further damage. Thank you! 

XXXX Bank XXXX Account Number XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX
Consumer complaint received 2024-05-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (TX)

On XXXX XXXX XXXX XXXXXX/XX/year>, I was approached by a man that asked me for gas. He insisted that he XXXX XXXX me because he had lost his debit card the night before. When he sent me {$60.00} on my Navy Fed app ( a common practice in the service ) he convinced that he electronically sent me {$6000.00} instead of {$60.00} and asked that I refund the funds immediately. I took {$1000.00} out of a local ATM and transferred {$3000.00} via XXXXXXXX XXXX 
When I contacted the bank on the following business day, they notified me that there was a personal loan taken out in my name and that is where the money had came from. I filed a police report and a fraud claim with Navy Federal. The police report is in progress. Navy federal has denied the fraud claim and states I am still responsible for the loan.

I was told by a Navy Federal Employee that this is a reoccurring scam in the XXXXXXXX XXXX area. A gang of males are going around to service members asking for gas money and applying for loans in the service members names and then asking for the money to be sent to them prior to the service member knowing that it is a fraudulent loan. 
Complaints : 1. There was a loan taken out in my name, not authorized, or verified by me. I was never called and no personal information was obtained prior to verifying the loan.

2. This is an ongoing scam allowed and willingly acknowledged by Navy Federal. They are aware that the loans are not authorized by the bank member and yet continue to authorize loans immediately. I do believe that this is fraud committed by the Credit Union ( they are also gaining monetarily ) as well as fraud committed by gang members.
Consumer complaint received 2023-11-09
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account that needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$270.00}.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX XXXX XXXX XXXX XXXX XXXX ) " " XXXX XXXX XXXX last reported XX/XX/XXXX '' HARD INQUIRIES " ( XXXX XXXX. XXXX XXXX, XXXX ) ( XXXX XXXX. XXXX XXXX, XXXX ) ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX, XXXX, XXXX ) ( XXXX XXXX, XXXX. XXXX, XXXX ( XXXX XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ) ( XXXX TN XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX, XXXX ) ( SXXXX XXXX. XXXX, XXXX ) ( XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX ) ( XXXX XXXX, XXXX XXXX, XXXX ) ( XXXX  XXXX XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XXXX, XXXX ) ( XXXX XXXX XXXX XXXX. XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-10
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 want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-08-22
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00}