davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
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. (TX)

I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries. 

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA. 

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing. 

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter. 

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, 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. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2024-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (CA)

I XXXX and XXXX XXXX have been working with Loan Care about some payments that were said they never received since XXXXSince then loan care has taken the payments out of bank account each month and sometime double payments and that's not including all late fees ranging from {$1000.00} to {$600.00} i have been placed on a contract by Loan care and required to send all payments by money gram each month all payments have been made each month by us. yet Loan care still says we are 3 months behind i have submitted all copy 's of money gram receipts with bank statements showing that loan care received there payments ' have even requested that there resolved department investigate were and why this keeps happening. On XXXX XXXX I received a letter say that they are taking my home and this is why i file this complaint. Loan Care has even said this is going to damage my credit.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (WI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2023, my Chase account was unexpectedly closed. The day I attempted to log into the Chase app, I encountered a message stating that my account had suspicious activity and was inaccessible. Subsequently, I contacted Chase customer service to seek clarification and was informed that my account had indeed been closed. 

What is particularly concerning is the lack of prior notification from Chase about the impending closure. I only received the notification letter several days after my account had been entirely closed. Despite my consistent attempts to contact customer service for clarificationmy sole avenue of communication with ChaseI have encountered persistent silence and lack of responsiveness from various departments. 

I have made numerous calls and inquiries seeking information about the closure and the exact timeline for the return of my funds, but to no avail. I am very concerned about the status of the remaining funds in my Chase account, as I have around {$3000.00} got frozen by Chase. Regrettably, Chase specialists have been unforthcoming in providing any details about the closure, leaving me in the dark despite my persistent efforts to resolve the issue. I am left without any insight into the circumstances surrounding the closure of my account. The CFPB 's assistance in addressing this matter promptly would be greatly appreciated.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

HELLO MY NAME IS XXXX XXXX XXXX XXXX, I AM WRITING THIS CLAIM BECAUSE I AM A VICTIM OF FRAUD THEY STOLEN THE PERSONAL INFORMATION FROM MY CHECKING ACCOUNT, TO CARRY OUT FRAUDULENT TRANSACTIONS, THE COMPANY XXXX AND THE COMPANY *XXXX* I HAVE NEVER HAD RELATIONS WITH THESE COMPANIES, SOMEONE ELSE STOLE MY PERSONAL INFORMATION TO DO FRAUD, I NEED HELP TO REOPEN THIS CASE AND VERIFY WELL WHO STOLE MY MONEY AND BE ABLE TO RECOVER IT, AND PUT A STOP OF PAYMENT TO THE COMPANIES THAT HAVE WITHDRAWN FROM MY BANK ACCOUNT...
Consumer complaint received 2023-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I have submitted two prior complaints and the issue has not been resolved. Wells Fargo is paid automatically every month out of my Wells Fargo checking and is documented. WF insist they are not receiving payments and have turned me into the collection agency. I spoke with several Wells Fargo representatives and they confirmed the money is withdrawn from my checking and cleared. So basically they are withdrawing money from my account and the money is just missing. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

I had several XXXX XXXX XXXX  ( XXXX ) credit cards that were cancelled by XXXX for fraudulent use reasons, not generated by myself. I called XXXX, who said they indeed cancelled those cards. Credit cards ending in XXXX, XXXX, XXXX and XXXX. 

XXXX reissued a new credit card ending in XXXX replacing the ( XXXX ) cards. 

Experian still carries the original ( XXXX ) cancelled cards as open with balances due on them. 

Ironically, Experian also carries the replacement card with a balance due, as well, which is fine. 

I need the initial ( XXXX ) cards removed from my Experian XXXX XXXX XXXX. I write letters and call them and still nothing gets fixed, Also, my XXXX XXXX payments are monitored by ( XXXX ) companies, who report this information to the credit bureaus on a regular monthly basis, but do not appear as recognized by Experian. The reporting companies are : XXXX AND XXXX XXXX 

Additionally, XXXX XXXX XXXX XXXX ending in XXXX was cancelled by the issuer, XXXX, and replaced with card ending in XXXX. The cancelled card number shows on my Experian report yet, but not the replacement card.
Consumer complaint received 2023-01-21
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. (OH)

Hi, I am contacting the CFPB and credit bureaus to update my personal information and remove any names, addresses, and phone numbers I am not associated with. 
Name : 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 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

The man " XXXX '' took {$2000.00} recurring weekly via XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I didn't notice until a couple months later as I was graduating from college and preparing to move home. When I saw it I filed a claim as soon as possible with Chase Bank. I don't even know this man and so I tried to track him down, but apparently he moved to XXXX to evade a warrant for arrest for a DUI! He is a horrible person and the bank wouldn't reverse the payments to give my money back because it is on XXXX. I am homeless  and angry since I graduated and don't know what else I'm supposed to do. I hate this system!
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Experian Failes to remove inaccurate information from my report yet again. Federal Law requires that the information contained in a credit report be 100 % true or be removed. It does not state that if we raise a complaint with the CFPB XXXX  or any other businesses that the information be reinvestigated and allowed to remain on a credit report. How Can a debt status be change from XXXX XXXX XXXX back to XXXX and so on. This is illegal practices and needs to be corrected at oncce. I sent my receipt copies to Experian because my acct had not been updated and then the acct was marked paid and the status changed to futher harm my credit. 

, 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Consumer complaint received 2024-03-17
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. (MD)

I did not apply or give consent or written permission for my information to be used for credit and there are fraudulent accounts being reported. This is a violation of my consumer rights per 15 USC 1681b. In accordance with 15 USC 1681c-1 and 15 USC 1681c-2 the items identified as not mine/identity theft are to be removed. The bureau 's are violating 15 USC 1681eb also which states " maximum accuracy '' on consumer reports and they haven't adhered to this .SEE ATTACHMENTS
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (KY)

Auto was totaled in XX/XX/XXXX car was financed with BBT/Truist Bank and the GAP insurance was purchased through XXXX XXXX XXXX their was continued miscommunications between both companies which delayed the gap payoff covering the final balance of the auto loan this was paid off in early XXXX and is reporting XXXX can we please get this removed asap. Im trying to purchase a home and I am not one that does not pay my bills.
Consumer complaint received 2024-03-17
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. (TX)

I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries. 

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA. 

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing. 

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter. 

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-20
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. (OH)

I Have no knowledge of this account, XXXX XXXX XXXX ACCOUNT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

According to 15 US Code 681s-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.
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and I am writing this statement on my own behalf. In accordance with the FCRA I dispute the validity of the collections and charge off entries on my credit report. These entries are FALSE and I demand a thorough investigation and verification of these accounts. The FCRA mandates accurate reporting, and I expect compliance with its provisions. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be from the original creditor and signed by all parties involved. These are the accounts reflecting inaccurately on my account : XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I have spoken with XXXX, XXXX, Experian, and XXXX countless times in an effort to have XXXX properly furnish my student loan accounts to the three major bureaus but have not had any success. XXXX continues to claim they reported my accounts to the three bureaus ( plus a fourth ) following the " transfer '' from XXXX XXXX, yet only XXXX is properly reporting my accounts. XXXX and Experian both say they have not received anything from XXXX while XXXX supposedly reports on the last day of the month with the first reporting date of XX/XX/31. Now two cycles in, XXXX and Experian still do not show my accounts. 

Per a XXXX supervisor, I provided screenshots of my credit report showing only a single XXXX XXXX account and no XXXX accounts weeks ago and still have not received any type of correspondence from the credit reporting department as I was instructed I would. 

I am attempting to buy a house, and with my credit scores having tanked because of the incompetent handling of the XXXX XXXX to XXXX transfer, I need my XXXX student loans to be reported to the bureaus ASAP.
Consumer complaint received 2023-10-09
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)

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$180.00}
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CO)

I am in an XXXX relationship. I ordered protection services through Experian. Their website is severely bugged and you can not get a human on the phone. Absolutely incredible. 

Additionally, the SMS shortcode I received from Experian appears to be shared with XXXX XXXX ( why does a corrupt gaming company have any affiliation with my finances? )
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (FL)

This account was issued a letter to the bank in charge to please remove this information from my report since it shares inaccurate data in all credit agencies, among other series of errors. 

Some credit agencies have already deleted the information but there are others that have not yet deleted it and it continues to negatively affect my credit report.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (CA)

It has been brough to my attention that there are inquiries that I dont recognize and didnt authorize NAVY FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (MS)

A woman called me and told me that there was a judgment against me and that I had to pay some debt for Barclaycard. I did have an account with Barclay card but I settled that with a collections company several years ago. She says shes from a legal group called XXXX XXXX XXXX and sent me an email with a link so that I could accept the judgment that she claims there is against me. She was called almost every day over the last week and has left several messages. She called me from a local number first and then gave me a XXXX  number to call her back at. I did not call back. She had the last four of my social and my old address when she called.