davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/XXXX I phoned Ally and spoke with XXXX to request requiring two-factor authentication ( email and phone ) whenever I log in to my Ally account. He created case # XXXX and said somebody would contact me within two days. 

Nobody contacted me so I logged into my Ally account - which I really didn't want to do, as another non-Ally password was hacked and I'm concerned about security - and sent a message asking for two-factor verification. XXXX XXXX responded that the request # XXXX was created but did not go through. She created another case # XXXX to escalate the case. Also another case # XXXX - I have no idea what that's for. She wrote " you will still receive multi-factor authentication notices/security code requests to your trusted devices as well as from any other device via different location, public facility, hotspot, which will alert you should anyone other than yourself is attempting to log into your Ally Bank XXXX '' which is completely NOT true. I was able to log in just now and it only asked me for my password and sent ONE code, to my email, rather than the TWO codes I had requested ( an additional code to my phone ).
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate and they need to be delete asap idk what the XXXX you guys are reporting. 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 addresses XXXX XXXX XXXX XXXX michigan is not correct information delete this XXXX off my credit report
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

So at XX/XX/19, JP Morgan Chase closed my credit card and refused to tell me the reason. 

I already communicated with them and they told me it's because of new bank policy. Some of my friends had the same thing recently. We are thinking of JP Morgan Chase is having major issue with their credit card service or they are discriminating clients. I never used this credit card to do any improper things, and I couldn't think of any reason why they would close my account.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (NY)

I purchased a Western Union money order from XXXX ( XXXX XXXX, XXXX, NY XXXX ) on XX/XX/2023 in the sum of {$300.00} made payable to the Justice Court XXXX XXXX XXXX and immediately mailed it tothe Justice Court at XXXX XXXX XXXX, XXXX XXXX, XXXX. NY XXXX. On or about XX/XX/2023, I received a second notice that the fine was not paid and I immediately contacted the Court and Western Union to inquire. 

I eventually received a copy of the front and back of the money order which is enclosed herewith to find out that it was altered by someone by the name of XXXX XXXX. I filed a State Police complaint report. State Trooper XXXX went to the address listed on the money order. The person residing there was a XXXX policeman with the last name of XXXX. He informed XXXX XXXX that he had lived there many years and had never heard of XXXX XXXX. 

I then notified WU to being a fraud investigation. They sent me the paperwork which I immediately filled out and return via priority mail. They received it on XX/XX/2023 but they now claim that they never received it.
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I Received my credit report on XX/XX/XXXX and noticed there were hard Inquires that dont have Permissible purposes to be on there. Theses Hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times especially XXXX and Transunion Multiple times they keep Violating my rights Under 15 USC 1684b. Below are the inquiries ( XXXX XXXX ), ( XXXX, XXXX ), ( XXXX XXXX ), ( XXXX XXXX ), ( XXXX XXXX XXXX ), I have no account associated with these companies no authorization.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$35000.00}.
Consumer complaint received 2024-01-18
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. (AL)

I would like to file a complaint against XXXX Credit Reporting Agency. Ive contacted the company several times and have filed numerous disputes about items reporting negatively on my credit report. I even had a suffix adding to my name and spent months trying to get the matter corrected only to have my credit score to drop in place of the suffix being removed. My score dropped XXXX points because of there negatively reporting practices and not fairly investigating disputes and not requesting information properly upon consumers request. I advise the company of the error and I was denied access of my own credit report and was told that my report had fraudulent activity only to report items back on my credit files that already had been paid, and resolved. They are also reporting items over 7 years old, items paid and discharged through bankruptcy as negative items. XXXX does not investigate items being reported before placing on and individual credit report or do they investigate after a dispute is filed, I have inquiries buy the same company placed repeatedly on my file and when brought to the attention of the Agency nothing is done about it. I feel that individuals scores would not be on the downside if credit reporting agencies will do there part in reporting correct information and making sure that what they are reporting is in fact correct information and not just report information from companies just because they receive information on a individual. Either they investigate and report accurate information or not report it at all. I want my report reviewed for the information Ive stated above and recalculated or for XXXX not to report anything about myself at all. Its not fair!
Consumer complaint received 2023-08-30
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2024-03-16
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: DISCOVER BANK (OK)

To Whom It May Concern, I am writing to file a formal dispute regarding a hard inquiry listed on my credit report that I do not recognize and believe to be unauthorized. The inquiry in question was conducted on XX/XX/2023, by XXXX. However, I have no recollection or record of initiating such an inquiry, nor have I authorized anyone to do so on my behalf. 

This unauthorized hard inquiry has adversely affected my credit score, and I am deeply concerned about the potential implications it may have on my financial well-being. As a responsible consumer, I diligently monitor my credit activity, and this discrepancy has raised significant alarm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary actions to rectify the situation. Specifically, I ask that the unauthorized hard inquiry by XXXX  be removed from my credit report as soon as possible to alleviate the negative impact it has had on my credit score.

I understand the importance of maintaining accurate credit information, and I assure you that I have not engaged in any activity that would warrant such an inquiry. Therefore, I implore the bureau to assist me in resolving this issue expediently. 

Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this matter, and I eagerly await your prompt resolution. 

Sincerely,
Consumer complaint received 2023-07-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (CT)

I noticed I had several late payments with this company. I was asking the company to update my payments to PAANL or bring my account to good Standing due to law 15U.S 1681 section 604A section 2, 15 U.S 1681 section 602 states I have the right to privacy. 15 U.S 1666B
Consumer complaint received 2024-01-27
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. (MO)

By request all new complaints will forwarded to the FEDERAL TRADE COMMISSION and there now is a major investigation. Experian has now stolen almost 20 months of on time never late payments to XXXX and refuse to give them back SO THEY CAN PUSH CREDIT CARDS AND LOANS ALL OF WHICH ARE WORTHLESS IN FACT MOST CREDIT CARDS THEY PUSH ARE IN BAD STANDING WITH THE CFPB AND THE XXXX.
Consumer complaint received 2023-08-30
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Noticed I received an email stating my information was updated with Capital One. Didnt give it any thought thinking its spam, then received an email stating my card will be arriving next week. Called to have them look this up, little information was shared but they did confirm. Later today, received a text noting my email was updated. Called and they didnt want to share any information since it was currently under investigation ( which would take 90days ) My information was stolen, used without consent to open an account without verification, still on going and Im left here watching and waiting for 90 days for an investigation. I need to know what information they have and to be immediately removed.
Consumer complaint received 2023-09-22
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)

The consistent and unjustified presence of fraudulent accounts on my credit report ignite my extreme dissatisfaction and frustration. These accounts remain undeleted, casting a shadow over my financial reputation and causing significant distress in my life. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are not mine, and I have never authorized any of the transactions associated with them. 
The continued presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have been denied credit, subjected to higher interest rates, and faced difficulties securing housing and employment opportunities due to the inaccurate information on my credit report. 
Failure to address this matter promptly will leave me with no choice but to take legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and seek damages for the harm caused by the persistence of these fraudulent accounts on my credit report.
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (NC)

Hello, I have disputed this many times with no success. 
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 These companies have violated my rights under the Fair Credit Reporting Act 15 USC 1681-6028 - My right to privacy 15 USC 1681- 6042- They have never gotten written permission from me to report these companies companies claims
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-10-29
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: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2023-08-30
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$1700.00}.