davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (OH)

I am writing to bring to your attention serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) by your agency. Upon reviewing my credit report, I have discovered inaccuracies that warrant investigation and correction. However, it has come to my attention that your agency has failed to conduct an investigation into these inaccuracies, thus violating my rights under the FCRA. 

Despite my formal dispute regarding the accuracy of the information provided, your agency has not taken appropriate steps to investigate or correct these inaccuracies. This failure to conduct a thorough investigation is a clear violation of the FCRA, which mandates that consumer reporting agencies must investigate disputed information and correct any inaccuracies promptly.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (TN)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (MO)

I am submitting this CFPB Complaint for you to notify that I am not satisfied with the results on my credit report. I have fulfilled my obligation by bringing these inaccuracies to your attention. According to FCRA Section 605b it was the responsibility of the 3 credit bureaus to correct a portion of the data on my report. The following accounts needs to be corrected or removed : XXXX XXXX XXXX Balance Owed : {$560.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.XXXX XXXXXXXX XXXX Balance Owed : {$330.00} - This account has been reporting inaccurate information regarding my payment history. I have provided documentation that shows I have consistently made payments on time and in full. XXXX XXXX Balance Owed : {$0.00} - I insist on an immediate update of the account in question as your bureau 's reporting conflicts with other credit bureaus. Your inaccurate record keeping is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting. Please remove this account as soon as possible. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Your current reporting is unacceptable. As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If you can not ensure the accuracy of the information you are reporting, you must remove the account immediately. I demand that you take swift action to correct this matter, as any further delay or negligence will not be tolerated. XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. 
XXXX XXXX XXXX XXXX XXXX This inquiry makes absolutely no sense to me, and I don't recall ever making it. Remove it immediately and provide evidence if you think it's mine. Otherwise, delete it now.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and 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. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (CA)

Hello, I am experiencing identity theft, from someone using my identity in Texas for the following companies : XXXX XXXX and XXXX XXXX for the amount of {$890.00}. The Online Information Service is trying to collect the amount and it is showing in my credit reports. I am a resident of California and not with Texas. 
Appreciate your help. 

Thank you and Best Regards, XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
These accounts are not mine, and I have never authorized any of the transactions associated with them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-29
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CRE Credit Services (CA)

I am not responsible for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX. They did not provide me with the original contract as I requested. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX phone number : ( XXXX ) XXXX I DEMAND BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2018-12-21
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. (AZ)

I have a membership with Experian Credit Agency where they show me what's on my credit report, recommendations to improve credit score, etc. They'd referred me to look into a personal loan with a company called XXXX XXXX. I'd been verified and preapproved -- everything indicating there would be a 'soft ' inquiry on my credit so it wouldn't impact my credit score. In sending the final information requested, paycheck stubs, bank statements, etc., I receive a response that indicates they ARE NOT going to be able to assist me with the personal loan ( of {$4000.00} ) AND I now have a hard inquiry on my credit report. 

Based on recommendations FROM A CREDIT REPORTING AGENCY, I actually decreased by overall credit rating!! 

In attempts to contact Experian to discuss this with them, you only have access to a series of voice mail prompts none of which actually give you the option to speak to an agent. 

I would like the hard inquiry placed on my credit report from XXXX, XXXX XXXX  is the servicing agent so I think that's what actually appears on my credit report. 

UPSET BEYOND BELIEF THAT AN AGENCY THAT IS SUPPOSED TO ASSIST YOU ACTUALLY HURT MY OVERALL CREDIT RATING.
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. (FL)

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 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. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and 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. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. ()

My bank Chase Bank issued an debit card not requested by me because I have my debit card with me and I use it often to withdraw cash overseas. When I looked at my online bank statement on XX/XX/2023 and XX/XX/2023, I found that there are fradulent charges over XXXX on my debit card made in businesses in New York state. I called Chase immediately to report the charges and file a complaint to get refund on the charges. That's why I found out that Chase has issued an debit card to someone other than me. Chase rejected my complaint and refued to refund me the stolen money from my checking accounts. Employees at Chase have not been helpful and refused to give us any information when and how the debit card was requested. I am sad regarding how a big bank handled my complaint and taken advantage of us weak customers. I hope that cfpb will help me find justice and have the bank return my living savings to us. In addition, I have filed compalint with the FTC and New York Attorny General Consumer Frauds Bureau. Below is the list of fraudulent charges with date, business name and amount. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-25
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. (FL)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
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. (MO)

I am writing to express my continued concern and dissatisfaction regarding the presence of fraudulent items on my credit report, which I have previously reported to your agency. Despite my initial dispute and the provision of supporting documentation, these fraudulent items have not been removed from my credit report, and they continue to have a detrimental impact on my financial standing. This letter serves as my second attempt to seek the removal of these erroneous entries. 

I initially reported these fraudulent items to your agency on [ mention the date of your initial dispute ]. At that time, I provided all the necessary documentation to prove the inaccuracies and fraudulent nature of these entries. However, despite the evidence I submitted, these items remain on my credit report, causing unwarranted damage to my creditworthiness. 

I kindly request that you conduct a thorough investigation into these fraudulent items once again and take immediate action to remove them from my credit report. As you are aware, the presence of inaccurate and fraudulent information on a credit report can result in serious financial consequences, including the inability to secure loans, obtain credit, or make essential purchases. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a reasonable reinvestigation of disputed items and correct or delete any information found to be inaccurate or unverifiable within 30 days. I expect that you will adhere to this statutory requirement and take prompt action to rectify this situation. 

Enclosed with this letter, you will find copies of all the documents and evidence I provided during my initial dispute for your reference. This documentation includes [ list the documents you are enclosing, such as DL, XXXX identity theft reports, correspondence with creditors, etc. ]. 

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, outlining the results of your reinvestigation and confirming the removal of the fraudulent items from my credit report. Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information, as required by law. Please assist me to remove the following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
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. (GA)

This account was charged off as a collection on the following date XXXX of XXXX. This account is also being updated as a COLLECTION on my report as if the account is still open and reporting a balance of {$1500.00} from XX/XX/XXXX to XX/XX/XXXX when the account should be XXXX due to the account being a collection account. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CT)

I have tried to apply to refinance my existing car loan. I have been declined for credit due to an excessive XXXX  ratio. I was declined for credit all together or given less favorable and affordable options. The reason for the excessive XXXX ratio is due to the error of XXXX XXXX XXXX XXXX. My conventional mortgage was originally issued as a joint mortgage with my spouse. It is currently listed with only myself as the borrower. This removal of my spouse has created a problem for me based upon what is being reported to the credit bureaus. I would like to be able to follow through with being able to receive credit without being discriminated against due to an error in reporting from the existing mortgage lender, XXXX XXXX XXXX XXXX. My inability to refinance my car is now causing an issue for me to not be able to get a good rate and lower payment. This has caused a financial hardship for me.
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX