davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
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. (PA)

Dear Experian XXXX I am writing to address a critical matter that has not only caused me significant distress but has also resulted in direct financial and reputational harm. It has come to my attention that Experian reported the XXXX XXXX  XX/XX/2023 inquiry on my consumer credit report without my consent. While this inquiry was eventually deleted after my dispute, the deletion itself is an admission of inaccurate reporting and wrongdoing on the part of Experian. 

I am deeply troubled by the flagrant violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by Experian. Specifically, Experian has violated the FCRA by reporting inquiries on my consumer report without my consent, neglecting to conduct a proper investigation as required by the FCRA, and reporting data on my consumer report that fails to meet the standard of maximum accuracy mandated by the FCRA. 

The repercussions of these actions have been severe. My financial and credit reputation have been unjustly tarnished due to Experian 's inaccurate reporting. I have suffered both emotionally and financially as a direct result of Experian 's violations. 
According to the provisions of 15 USC 1681n, Experian is liable to me in the sum of XXXX per inquiry due to its willful noncompliance with the FCRA. Consequently, Experian has been invoiced for a total amount of XXXX XXXX XXXX per inquiry ) to address the damage incurred by its actions. I demand that Experian fulfills this invoice by mailing a check of XXXX 

This matter is of extreme urgency. Experian has a period of XXXX business days from the date of this letter to respond and fulfill the invoice. Failure to respond within this timeframe will be considered an admission of violating the FCRA and neglecting the obligation to fulfill the invoice. 

I am holding Experian accountable for its actions and expect a prompt and responsible resolution to this matter. I trust that Experian will take the necessary steps to rectify the violations and provide the requested payment within the stipulated time frame. 
I anticipate your immediate attention and cooperation in addressing this issue and fulfilling the invoice as demanded.
Consumer complaint received 2020-04-14
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$400.00} XXXX XXXX {$710.00} XXXX   XXXX XXXX {$300.00} XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$1900.00}
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies on my credit report. Despite my continuous efforts to remove these discrepancies, my credit report remains tainted with inaccuracies that have a detrimental impact on my financial well-being. 

The inaccuracies I have been trying to address include ( but are not limited to ) : There are late payments incorrectly listed on my credit report, which do not accurately reflect my payment history. 

I have disputed accounts that do not belong to me, yet they continue to appear on my credit report. 

I have made numerous attempts to follow the procedures outlined by the Fair Credit Reporting Act ( FCRA ) to rectify these inaccuracies. In each dispute, I have provided clear and concise explanations, along with supporting evidence, to substantiate my claims. 

Regrettably, my efforts have not produced the desired results, and I continue to face the following problems : My previous dispute letters and supporting documents have received inadequate responses or have gone unanswered, leaving me uncertain about the status of my disputes. 

The delay in addressing these inaccuracies has resulted in financial hardships and lost opportunities for me. 

The presence of these inaccuracies is severely damaging my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the importance of accurate credit reporting for both creditors and consumers, and I am committed to working together with your bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and delay in resolving these disputes are causing me undue stress and financial difficulties. 

I kindly request that you conduct a thorough investigation into these inaccuracies and rectify them promptly. Furthermore, I would appreciate timely updates on the status of these disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts as proof of my earnest attempts to rectify these inaccuracies. I am asking for your immediate assistance to remove these fraudulent items in my credit report in 3 credit bureaus : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2017-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Synovus Bank (SC)

On XXXX/XXXX/XXXX, I was notified that my XXXX XXXX XXXX uncle had been exposed to fraud. I immediately put a hold on his checking and money market accounts. XXXX/XXXX/XXXX met with XXXX XXXX and XXXX XXXX of XXXX a division of Synovus Bank & closed existing account and re-open a new account and signed affidavits for the fraud claim. Amount of fraud XXXX - received credit for XXXX - balance due XXXX. XXXX said their responsibility is for only 60 days and will not refund the balance even though the fraud was committed by the same people. - See the attached :
Consumer complaint received 2023-10-19
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. (AR)

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies on my credit report. Despite my continuous efforts to remove these discrepancies, my credit report remains tainted with inaccuracies that have a detrimental impact on my financial well-being. 

The inaccuracies I have been trying to address include ( but are not limited to ) : There are late payments incorrectly listed on my credit report, which do not accurately reflect my payment history. 

I have disputed accounts that do not belong to me, yet they continue to appear on my credit report. 

I have made numerous attempts to follow the procedures outlined by the Fair Credit Reporting Act ( FCRA ) to rectify these inaccuracies. In each dispute, I have provided clear and concise explanations, along with supporting evidence, to substantiate my claims. 

Regrettably, my efforts have not produced the desired results, and I continue to face the following problems : My previous dispute letters and supporting documents have received inadequate responses or have gone unanswered, leaving me uncertain about the status of my disputes. 

The delay in addressing these inaccuracies has resulted in financial hardships and lost opportunities for me. 

The presence of these inaccuracies is severely damaging my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the importance of accurate credit reporting for both creditors and consumers, and I am committed to working together with your bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and delay in resolving these disputes are causing me undue stress and financial difficulties. 

I kindly request that you conduct a thorough investigation into these inaccuracies and rectify them promptly. Furthermore, I would appreciate timely updates on the status of these disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts as proof of my earnest attempts to rectify these inaccuracies. I am asking for your immediate assistance to remove these fraudulent items in my credit report in 3 credit bureaus : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-10-19
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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. (CT)

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 the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-19
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-19
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. (NJ)

This is the several times I've complained about some erroneous items in my report. You must correct these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be updated or deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NV)

On XX/XX/XXXX, I used a discovery credit card to purchase XXXX XXXX XXXX gift card on the gift card website ( XXXX ). The total amount ( $ XXXX {$20.00} ) According to the description on the gift card website page, the gift card can be used in local stores At the checkout counter, I went to the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX that afternoon. The clerk tried several times and told me that the gift card could not be used. 

I had no choice but to go to the XXXX store across the street and use the same discovery credit card to buy a car battery I contacted the seller XXXX XXXX XXXX XXXX  ( ( XXXX  ) and told the seller that these gift cards are not as described on your website and can not be paid at the local store cashier. I want a refund. The seller does not agree to a refund. 
I contacted the discovery credit card and initiated Dispute ( Dispute # XXXX ) ( Dispute # XXXX ) Discovery credit card told me the result today, I have to pay these two bills
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2023, I ordered an item " XXXX XXXX XXXXXXXX Edition Wireless Controller '' for {$88.00}. I received a tracking number for the item ( XXXX ) and received the item delivered through USPS. On XX/XX/XXXX, I received the item, and noticed that the item was very poorly packaged ( the item was just put in a very thin plastic cover with no bubble wrapping or box ) and immediately decided to return the item. I never opened the item and just wanted to buy from elsewhere, as I didn't want to risk using a product that was damaged or use a product that could easily be damaged down the road. I also value boxes of items, so seeing that the item was in that state was disheartening to me. I started a return on the same day, and on XX/XX/XXXX I sent out the item to be returned ( XXXX ). It was delivered on XX/XX/XXXX, and on XX/XX/XXXX I decided to inquire about the status of the refund, as it had been some time with no response. I was sent an email on XX/XX/XXXX that stated " The incorrect item has been received for your return. The serial number of the item received does not match our records for the item shipped. XXXX will not be taking further action on this order. '' Naturally, I immediately opened a dispute on the same day, on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Capital One that stated they required more information from me, and also attached information that was sent in by the merchant. Standard things like serial numbers being different, tracking number timeline for the item, as well as invoices. Capital One stated that they needed more documents from my end such as the merchant 's return policy, sales invoice, and proof of return, to name a few. I provided everything to Capital One to the best of my ability, and today on XX/XX/XXXX I received a letter stating that " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. '' I never was told what information was lacking, and I was told " Unfortunately, based on the information we have, we are unable to assist with your claim. '' I just want to work with Capital One and provide as much information as possible to help with the dispute, and of course, get my money back. I'm just not sure what else to do from here if they are lacking information.
Consumer complaint received 2023-10-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK (CT)

On XX/XX/XXXX I was served Forclosure documents when I was unaware of one. Court documents dated XX/XX/XXXX. 
I have requested payoff statement online and via phone on XX/XX/XXXXXXXX  and other future dates from mortgage company. I put My house on the market on XX/XX/XXXX. I am due to close on XXXXXXXX  I did not recieve any information regarding a Forclosure risk. I was informed by mortgage company today that my forbearance ended XX/XX/XXXXXXXX  and they referred my loan to a Forclosure lawyer on XX/XX/XXXX. 

I spoke to the judicial court civil clerk where the Forclosure I was served was filed. They informed me that nothing has been filed just yet & I do not have a docket number. I only have a return date of documents of XX/XX/XXXX. 

I have spoken to the mortgage company on many occasions. Asking how can this be possible that I am on forbearance. 

They advise me that recieved my attorneys most recent pay off requests dated earlier this week in response to the Forclosure  and they were pending their Forclosure attorney to add his fees before getting it back to my attorney. 

We recieved new updated pay off which includes the following : Principal Balance {$210000.00} Interest from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  {$21000.00} Escrow Advances {$17000.00} Property Inspections {$95.00} Recording Fee {$70.00} Outstanding Attorney Fees and Costs through XX/XX/XXXXXXXX  {$2200.00} Total Payoff Amount Due as of XX/XX/XXXXXXXX  : {$250000.00} Please note that this payoff quote expires on XX/XX/XXXX. 

Please not that my prior payoff was as follows : Principal Balance : XXXX Amounts : Deferred Principal Balance* : XXXX Interest Calculated to XX/XX/XXXXXXXX   : XXXX PMI/XXXX Premium Calculated to XX/XX/XXXXXXXX   : XXXX Escrow/Impound Advance Balance : XXXX Late Charge Balance : XXXX XXXX Anticipated Late Charges : XXXX Optional Product ( s ) : XXXX Prepayment Fee : XXXX Statement Fee : XXXX Release Fee : XXXX Expedited Delivery Fee : XXXX Fees Currently Assessed : XXXX Unapplied Funds Retained : XXXX Less Unapplied Funds : XXXX Less Escrow Balance : XXXX TOTAL AMOUNT DUE : XXXX Any and all information and guidance will be greatly appreciated. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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 am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit report, specifically in relation to a late open account. Despite my continuous efforts to correct this issue, my credit report remains inaccurate and negatively impacts my financial well-being. 

The specific issue I have been trying to address is as follows : There is a late open account listed on my credit report that inaccurately reflects my credit history. This error is severely affecting my credit score and causing financial difficulties.

I have made several attempts to dispute this inaccuracy by following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Each time, I have provided clear explanations and submitted supporting evidence to substantiate my claim. 

Unfortunately, my efforts have not yielded the desired results, and I continue to encounter the following issues : My previous dispute letters and supporting documents have not received a timely response, leaving me in the dark about the status of my dispute. 

The delay in addressing this inaccuracy has caused financial hardships and has adversely affected my ability to access credit and financial opportunities. 

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors and am fully committed to working with your credit bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that you conduct a thorough investigation into this specific inaccuracy, rectify it promptly, and provide me with timely updates on the status of my dispute, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, providing evidence of my earnest attempts to rectify this inaccuracy. I am asking for your assistance to correct the said late open account in 3 credit bureaus : XXXX XXXX XXXX Balance Owed : {$700.00}.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, 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. (TX)

I have attempted to file a dispute with Experian regarding the age of the collections for XXXX XXXX XXXX and XXXX XXXX as my dispute was denied. The above mentioned accounts are old and have aged out of the reporting timeframe of 7 years allowed under the Fair Credit Reporting Act.