davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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. (NJ)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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: Experian Information Solutions Inc. (MD)

To Whom It May Concern, I have recently received a copy of my credit report. The report had an account listed from your company as a credit card. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. 
1. FDCPA section XXXX violation misleading false reporting XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Account was paid XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
I am writing this letter to you in an effort to get this removed. Please delete your information from my credit reports. I have never had an account with your company. If someone has opened an account in my name, please close it immediately before further harm is done. 
I am requesting that you notify all of credit bureaus that this account is " disputed '' or that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. 
If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. 
This is a written dispute of the this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-12-19
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. 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 XXXX 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 2023-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have had a Kohl 's Department store credit card for many years. My sister also has her own account, and we are authorized users on each other 's accounts. I called Kohl 's on XX/XX/2023 and spoke with a representative to further understand my minimum payment prices, because they appeared to be higher than normal. There was inconsistency regarding my expected payments ( sometimes {$29.00}, XXXX, XXXX, XXXX ). He insisted that I have my sister verbalize consent to access her account, but I was calling specifically about my own minimum payments. He became frustrated with verifying information and hung up on me without any resolve. I called on XX/XX/XXXX to make a payment for over {$100.00}. I was notified through email on XX/XX/XXXX that I was several payments behind. I had not previously been notified through phone, email, or text by Kohl 's that I was delinquent on payments. After speaking with a representative on XX/XX/XXXX, they have no record of payment since XXXX. Through the automated system, when I add my SSN, it provided sister 's account information ( which I'm not authorized to have without her consent ), my minimum payment, and presumably my banking information. These payments were never processed on either my account or my sister 's, and neither of us were billed. More confusingly, now on XX/XX/XXXX, it gives her account information, her minimum payment, and her banking information. After calling Kohl 's today, XX/XX/XXXX, they are saying my normal minimum payments are {$36.00}, but they charged me {$100.00} for the months of XXXX and XXXX and another {$79.00} will be billed for the month of XXXX, saying that I owe more because my payments were late. They refused to change this amount due, saying they're not authorized and there was no one else besides another supervisor I could speak to about my complaints. As of XX/XX/XXXX, when I call to the automated phone service and provide SSN, it still doesn't give any of my account information, and no representative has tried to fix this or give appropriate answers as to why this is still happening. My credit score has significantly dropped ( about XXXX points ) during this time. I have been charged higher payments, I have been billed higher interest rates for the late payments, and I still have no confidence in security for my account. I still don't understand how this happened, and have been given no plan of action to fix this by Kohl 's themselves. From my understanding, I was making payments and my accounts were current. During this time, one representative and one supervisor hung up the phone, and I still have more questions than answers.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Deutsche Bank (FL)

This is my second complaint against Deutsche Bank, they lied to you. I inherited money and they did not fix my Certificate of Deposit, they change the written amount but did not change the codes. The XXXX notified me to this matter. They said the didn't have anything here is more documents to support my claim.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I attempted to withdraw my account balance from Marcus, by transferring it to another bankXXXX XXXX XXXX Marcus reversed the transaction, and when I called them, they locked me out of my account citing bogus information that they can not verify my identity. 

I would like my account immediately closed and my balance transferred by check to my mailing address on file, but they refuse to help me.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (TN)

I am writing to file a formal complaint against XXXX, as facilitated through Credit Karma 's auto loan refinance function on their app. I applied for an auto refinance loan based on an advertisement that promised a XXXX XXXX  monthly payment with a 6.41 % interest rate. 

However, upon interacting with a XXXX representative, I was only offered a monthly payment of {$490.00} with an interest rate exceeding 9.5 %. This significant discrepancy between the advertised terms and the actual offer constitutes false advertising. 

Notably, the loan agent conveyed that achieving the initially advertised interest rate was unattainable, despite my credit score being a solid XXXX at the time of application. This raises concerns about the accuracy and legitimacy of the advertised terms. 

I believe I have been misled and subjected to deceptive practices, resulting in unnecessary hits to my credit score and wasted time. I kindly request that your agency investigates this matter promptly and takes appropriate action to rectify the misleading advertising practices employed by XXXX.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the XXXX major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within XXXX days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (IL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-12-19
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-19
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)

I am writing to express my dissatisfaction with the handling of my previous disputes regarding the late closed account appearing on my credit report. Despite multiple attempts to rectify this issue, the inaccurate information remains on my credit file. I believe this is a clear violation of the Fair Credit Reporting Act ( FCRA ) and requires immediate attention. 

I have attached copies of my credit reports highlighting the specific account in question, as well as supporting documentation that clearly demonstrates that the account should be removed. 

Despite these efforts, the late closed account continues to negatively impact my creditworthiness. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been adequately addressed. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate information from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, outlining the steps taken to rectify the situation. 

If my concerns are not addressed in a timely manner, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove the late closed account in my credit file : XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2023-12-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

It has come to my attention that multiple late payment accounts continue to plague my credit report, causing significant damage to my financial standing. This blatant disregard for the truth is not only an egregious violation of the Fair Credit Reporting Act ( FCRA ) but also an affront to the principles of accuracy and accountability. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. This is to express my extreme dissatisfaction and outrage at the persistently inaccurate reporting on my credit file maintained by your bureau. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and comprehensive investigation into the presence of these inaccurately reported late payment accounts, and I insist on their prompt removal from my credit report. It is inconceivable that your bureau continues to allow these errors to persist, causing undue harm to my creditworthiness. The negligent and irresponsible behavior exhibited by your bureau is unacceptable, and I will not tolerate any further delays in addressing this matter.
Consumer complaint received 2024-04-07
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. (MI)

There is a charge off account on my credit report that should not be on there this is hurting my credit I ask that you please re-investigate this matter in this removal this from my credit report please an thank you.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

HI, ive been noticed from my bank and credit experian that some loans was made in my name i don't have any iedas about these loan from the company XXXX XXXX XXXX ) below ; 1- Loan of ( XXXX $ ) on XX/XX/2023 XXXX Loan of ( XXXX $ ) on XX/XX/2023 XXXX Loan of ( XXXX $ ) on XX/XX/2023 XXXX
Consumer complaint received 2023-07-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (FL)

Transaction receipt from Remitly : Recipient : XXXX XXXX XXXX Transfer No. : XXXX XXXX XXXX XXXX DELIVERED XXXX {$100000.00} We have confirmed funds were deposited to your recipient 's XXXX XXXX account. Your transaction is complete and we hope to see you again. 

ARRIVAL TIME XX/XX/2023 XXXX XXXX EDT ( XX/XX/2023 XXXX XXXX AST ) TRACK YOUR TRANSFER Your debit card Remitly Recipient 's bank Recipient 's account Success! Your deposit has been confirmed. 
XX/XX/XXXX, XXXX XXXX EDT As I post this complaint ( XX/XX/2023 @ XXXX ), I have yet to receive the funds in my account, although the transaction status shows " delivered '' on the Remitly website : XXXX XXXX XXXX XXXX USD XXXX DOP Reference number XXXX DELIVERED We have confirmed funds were deposited to your recipients XXXX XXXX account. Your transaction is complete and we hope to see you again. 
Your debit card Remitly Recipient 's bank Recipient 's account Success! Your deposit has been confirmed. 
XX/XX/XXXX, XXXX XXXX EDT I contacted the customer service chat and the customer service rep told me it takes their " specialized unit '' about 3 business days to contact me for a response. 

THE PROBLEM : I was offered a lower USD/DOP rate of exchange for the " Express Service '' yet I will end up receiving the money in 7 days, which on the Remitly website the offer for a 7 day transaction, the Rate of exchange is higher than that of the " Express Service ''.
Consumer complaint received 2023-12-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

I have previously submitted documentation supporting my claim that these accounts are the result of identity theft. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite previous disputes and attempts to rectify this issue, these fraudulent entries persist, adversely affecting my creditworthiness and, consequently, my ability to provide a better opportunity for my family. 
XXXX XXXX PLEASE DELETE!!!! 
It is disheartening to see the continued presence of these fraudulent accounts on my credit report, considering the significant efforts I have made to prove their illegitimacy. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and I am confident that your bureau will take immediate action to address this matter.
Consumer complaint received 2023-12-19
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)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX