davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX, EXPERIAN.COM, XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX please 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 2023-10-30
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. (NY)

Delete these accounts XXXX XXXX XXXX XXXX XXXX  SELFREPORTED - XXXXXXXX XXXX SELFREPORTED - XXXX The personal information is incorrect XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries 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 inquiries and remove them immediately in my report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau. I know my right to have an accurate reporting in compliance to FCRA. There is a fraudulent account in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX # XXXX. date opened XX/XX/year>
Consumer complaint received 2023-10-30
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. (MO)

All three reports- XXXX, XXXX, and Experian- show a hard inquiry from XXXX XXXX on XX/XX/2023 for a credit card which I did not apply for. The Experian report also shows a hard inquiry on the same date for XXXX XXXX XXXX. I have frozen my credit with all three bureaus and filed disputes with all three bureaus. I mailed a letter to XXXX XXXX, and I tried calling XXXX, but they were not very helpful. I am hoping to both prevent any additional fraudulent inquiries / account openings as well as have the fraudulent inquiries removed from my account.
Consumer complaint received 2023-10-30
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. (CT)

Hello I am looking at my credit report and these are the astronomical amount of inquiries I, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, CT did not authorize. I do not recognize these companies at all and I need all of these removed from my report. It has been hindering my ability to live a normal life and extend my credit to companies. There are too many for me to type so I attached 4 images. Please help me I have no open accounts with any of these corporations. Thank you!
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Upgrade, Inc. (CT)

I recently opened a checking account with upgrade, added an external account to fund it, later received an email stating account is suspended as of today, XXXX. When I called to enquire in re, I was, told to send in photo ID yet again which upgrade already has on file, also requested a photo with sign stating upgrade checking account, I then attempted to close account as this appears to be harassment, I was denied closing account.
Consumer complaint received 2023-08-28
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 hope this message finds you well. I am writing to formally lodge a dispute with Experian regarding erroneous information present on my credit report. My previous attempt to resolve this matter directly with Experian, initiated on XX/XX/XXXX, has unfortunately yielded no response as of the date of this correspondence. 
The discrepancies I wish to address involve the following accounts, which have been inaccurately reported on my credit report : Account Information : Creditor : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account has never been overdue. 
Request : Kindly rectify this inaccurate information promptly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Account Information : Creditor : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account has never been overdue. 
Request : I respectfully request the correction of this erroneous data on my credit report, as mandated by the FCRA.
Consumer complaint received 2023-10-30
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. (GA)

Consumer Financial Protection Bureau Subject : Unauthorized Credit Inquiries on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding unauthorized credit inquiries on my credit report. I recently discovered multiple inquiries made by financial institutions, namely XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX to my Experian credit report.These inquiries were made without my authorization, and I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and also violation of 42 USC 408 in regards to the use of social security number being used without my permission and for the use pertaining to any loan or credit. 

Details of Unauthorized Inquiries : XXXX XXXX : XXXX XX/XX/2023 XXXX XXXX Auto Finance : XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I did not provide consent to any of these institutions to access my credit report, and these unauthorized inquiries have adversely affected my credit score and financial standing. I have not applied for credit or loans with these institutions, making these inquiries unauthorized and unwarranted. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. I urge the CFPB to ensure the removal of these unauthorized inquiries from my credit report. I did attempt to call phone numbers to speak today raid department but all attempts failed. 

Thank you for your prompt attention to this matter. Please feel free to contact me if you require any further information. I appreciate your assistance in resolving this issue. 

Sincerely, Consumer
Consumer complaint received 2023-10-31
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)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX / XXXX XXXX
Consumer complaint received 2024-05-06
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)

I've found that my credit report has XXXX information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or a immediate update of the following XXXX  information on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (CA)

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.The following account GRANT & WEBER INC ( Account Number : XXXX, Original Creditor : XXXX XXXXXXXX XXXXXXXX. Date Opened : XX/XX/year>. XXXX {$1000.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with GRANT & WEBER INC. I have attached a copy of my ID and my FTC report. ( Please see attachments ).
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

About a month ago, I had to do an emergence move. Because I had no liquid currency, I did a hardship withdrawal from my employer, XXXX XXXX through their future builder program. I took out a total of about {$3400.00} to be able to pay for moving costs, apartment deposits, and some type of a down payment on a car. 

A week later, they sent the payment in 2 checks. One check was about {$1800.00} and the other was about {$1600.00}. i mobile deposited both checks to JPMorgan Chase Bank, my primary bank. Back in XXXX I had deposited a similar check from the same employer and program, so I expected no problems. 

All of a sudden, ALL access to my Chase bank account got restricted for suspicious activity. All monies in my checking and asset account that I started to build got frozen. After numerous calls to Chase customer service, ( in which they have records of ), I was told the bank was going to release my funds on the XXXX of XXXX. This meant that I had to go borrow money from other places and exhaust my other bank accounts to cover payments for moving as well as living costs. 

I waited till the XXXX of XXXX and heard nothing, next thing I noticed was them pulling my card which was linked to XXXX XXXX. This meant they had closed my account and I had just lost all the money I worked hard for. 

I went physically to their branch, and they could not help me. As a matter of fact, the lady that was helping me at their XXXX XXXX, was frustrated on my behalf because Chase customer service could not assist me even after providing all necessary documentation for verification of the check. I provided chase with different numbers to verify the issuer of the check, I provided them everything they asked for, even tax documents. 

Chase had paid the money to my account and shut it down for suspicious activity. They have put me through emotional, financial, mental and physical stress as I have debts that I have to settle in other ways. 

Till today, I have heard no communication from the bank even after they said they were going to escalate the situation. This is almost forcing me to enforce legal action.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (WA)

I opened an account with Chime on XX/XX/year> and deposited {$200.00} from an existing checking account with another bank. 

Chime closed my account without explanation on XX/XX/year>. 

I contacted my bank to stop payment on the {$200.00}. They opened a case and on XX/XX/year> said that there was nothing more they could do. 

I contacted Chime on XX/XX/XXXX, and they gave me access to my account again. I logged in and noticed that they had taken the {$200.00} from my account on XX/XX/year> and called it an " adjustment ''. 

I was transferred to several different departments at Chime and was told that it was transferred somewhere and there was nothing they could do about it. They did not tell me where it was transferred to, where the money is, or why it was " adjusted '' in the first place. The Chime employee eventually said there was nothing more they could do and hung up.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-06
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)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MO)

I submitted an on-line payment on XX/XX/XXXX  of {$65000.00} to pay off my total student loan amount to Ed Financial Services . I received a message stating that the payment would be processed by end of day XX/XX/. The money was taken from my bank account, but has not been applied to my loan. It is still listed as " processing '' on my on-line account. In the meantime, my loan amount keeps going up because it is still accruing interest. I have tried to call multiple times and have waited for hours on hold but no one ever picks up the call. I have also tried the call back function, but the times someone has actually called back, they immediately hang up after I answer. The website 's online chat service does not work and the e-mail option says it will take up to a week to respond. I would like to know why the money they took from my bank has not been applied to my loan. Also, if they refuse to process the payments timely, there is no way to pay off a loan because the interest will just keep accruing in the interim that they are " processing. '' This company is grifting the loan holders and refusing to process payments.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

in XX/XX/year> my wife bought hearing aids at a hearing aid office near our house. the price was approximately {$4500.00}. they asked us if we wanted to pay all up front or in equal payments over 5 years. we chose the over time option and signed up for direct withdrawals from our checking account for about $ XXXX. the hearing aid office said it was being done through synchrony bank. we went paperless to save the environment and for XXXX years had the monthly withdrawals with no issues and no notifications from synchrony. in XXXX of this year our payment suddenly jumped to {$150.00} with indication why. i contacted synchrony about this and was told that we were on a " two year interest free promotion '' and that the two year period had expired without us paying off the full amount and we had over {$2200.00} in back interest added to our balance which was now at {$4500.00} again - the same amount as our hearing aid purchase despite making XXXX years of payments. i said we had no idea about any such promotion and had received no notification of such from them. they said it was our responsibility to check statements online and the statements contained the notification. i said this was fraud and was taking advantage of us not being informed about the promotion and receiving no notification, not even an email, since we were paperless. i offered to pay the full balance before the interest was added and they said they couldn't accept it as the " XXXX grace period '' had expired. 
they knew exactly what was going on by not notifying us of something we were completely unaware of and i believe this is out and out deceptive consumer practice and fraud. we checked online and discovered synchrony has had judgments against them for consumer fraud but yet they are allowed to continue this behavior toward unwitting consumers. please stop them from doing this to others. 

thank you
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NC)

I've attempted to contact this servicer or otherwise access my account dozens of times over the past week or so. Yesterday I spent most of the day trying to get in touch with them, and have not received any communication from them, either by email, phone, or mail. Here is a detailed list of my attempts from yesterday, though this list is not inclusive of previous attempts over the past week : Type Date Description Portal XX/XX/2023 XXXX Attempted to login, got an error saying my login does not match records ( login was straight from a password manager ) Portal XX/XX/2023 XXXX Attempted to use the " Forgot Username '' function, got an error saying my login does not match records Portal XX/XX/2023 XXXX Attempted to use the " Forgot Password '' function, got an error saying my login does not match records Phone XX/XX/2023 XXXX Called and waited through 10 minutes of menus, finally got to the queue, was put on hold for 10 minutes, then they hung up Chat XX/XX/2023 XXXX Chat was ended immediately upon loading the window Chat XX/XX/2023 XXXX Chat was ended immediately upon loading the window Chat XX/XX/2023 XXXX Chat was ended immediately upon loading the window Email XX/XX/2023 XXXX Sent detailed email with the steps I had tried so far, video evidence, and a callback number Phone XX/XX/2023 XXXX Called into the hotline, went through the menus, requested a callback I will also note that I am unable to login, and when attempting to use the " Forgot Username '' or " Forgot Password '' functions, the servicer simply says that my info doesn't match the info on file. I would really like to establish my payment method before the XXXX payment deadline, and prevent a late mark on my otherwise perfect credit.