davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (PA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-04
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX  - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX  - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2023-06-04
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. (DC)

Experian is reporting inaccurate information on my credit profile I did not make the charge I've asked Experian to do an investigation into the fraudulent account but they continue to report fraudulent and inaccurate information on my credit profile
Consumer complaint received 2018-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The latter part of XX/XX/XXXX, we noticed a discrepancy in our BofA account balance. After digging into the account, we discovered several charges had been made using my husbands debit card, at a location 200 miles from where we live. The charges were made in very small increments so went unnoticed by us for some time. 

The following day my husband went into a branch close to his office ; the customer rep ( supposedly ) canceled his old card and issued him a new one. We continued to monitor the account ; the charges continued to occur. We then went into another branch ; the very kind customer rep did indeed cancel his old card as well as put us on the phone with the fraud department so a proper claim could be filed. ( Note : all fraudulent charges see used immediately when his old card was canceled. ) The total amount of erroneous and fraudulent charges were {$170.00} ; they deposited that back into our account the same day as we sat in that branch. 

We received a letter on XX/XX/XXXX, XXXX stating their inquiry had determined the charges were in fact incurred by us, are not fraudulent and they would be deducting the {$170.00} back out of our account ( which they did on XX/XX/XXXX ). 

Since that time, besides those two visits to branches, we have sent a letter ( per their request after our first complaint call ) and, as of today, made SEVEN additional phone calls in an effort to get this resolved. We get nothing but the runaround every time we call. 

An individual who works for another bank and whose opinion we highly regard, strongly encouraged us to post this on social media as all other efforts have failed. 

We seriously detest having to do business in this manner and publicly fight fire with fire. We have simply done everything we possibly can to resolve this in a common courtesy manner ... with zero results. We have also filed a complaint with the FDIC, as of today. 

Bank of America, we are extremely disappointed. This action of yours is highly unscrupulous and unprofessional. We have been a loyal customer for more than 25 years.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I have an installment equipment loan with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-06-05
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. (NY)

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I filed a fraud report with Bank of America after someone cashed two checks in my name. They sent a letter stating that they are pleased to confirm that report is taken care of. Since then, they took money out of my mothers account and left her with XXXX because they said I am not a victim.
Consumer complaint received 2023-06-04
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. (NJ)

hello I recently checked my credit report and noticed some accounts opened fraudulently. I have contacted the ftc and my local police department the report will be attached to this document. the inquiries are listed below. these inquiries are on my report from scammers running my 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
Consumer complaint received 2023-06-04
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. (VA)

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX Account # XXXX XXXX U.S.C 1681 Section 602A. State I have the rights to privacy.

15 U.S.C 1682 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not have communication with the consumer in connection with the collection of any debt.
Consumer complaint received 2018-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (FL)

Since about 3 or more years ago, my bank has slowly crept up to its old practices with fees in my checking account. When banking regulations happened during the financial crisis US Bank did what I thought should have been a common practice from the get go : 1. overdraft fees would not exceed the amount being paid -- for example I just got debited {$25.00} from check card connected to toll booth recharge account. this {$25.00} charge brought my account below zero and i got charged a {$36.00} fee -- and this has occurred multiple times in the last 5 years -- going against a practice in place after regulations started back in 2009 or so. 

2. this specific charge, for example, after banking regulations circa 2009, would not have been paid for there were not enough funds in the account, regardless if it was a charge deemed " recurring '' or not. 

3. this bank is back to debiting items the old way : when multiple items come in for debits -- whether through check card pre authorizations, scheduled bill pays, or checks coming through, the highest item is paid first and then the smaller items regardless if they came a day earlier or on the same day. this practice then, for consumers with low account averages makes them liable for multiple overdraft fees as higher ticket items are paid first. 

4. lastly, if i remember correctly, if there were funds when an authorization occurred, the authorization would be paid with no fee incurred regardless whether the account went in the red. 

I contacted the bank in regard to these issues and they simply gave me the option of having a checking account that was severely handicapped -- i.e. one wherein neither checks nor check card actions were possible or would require a per transaction fee or leave everything as is. 

i was so relieved when the original regulations were in place and slowly became more increasingly disheartened as the dismantling of these regulations protecting me were eroded quietly and effectively over the years by the bank. I am certain that this is not the only bank and that it is not the first time that you hear of this. 

I expect no resolution. We will see if this works. Thanks for reading.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

I submitted a small business credit card application with Chase after they solicited me with an offer. I have uploaded documents directly from the California Secretary of State proving my business address. I have also uploaded documents from my tax return showing my business 's XXXX. These are electronic documents and not scans. Despite this, Chase states, " Unfortunately, we were unable to use them because they were illegible, expired or did not otherwise meet our requirements. '' This response from Chase is unclear. The docs are pristine. They are from a government agency and my tax records so should meet requirements. They are also from the past month so timely. 

I am not sure what to do and feel like the process at Chase is misleading or needs improvement to clarify. I'm sure Chase would like a better client experience, too.
Consumer complaint received 2018-04-12
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)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OK XXXX PLEASE UPDATE MY CURENT ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-06-05
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. (CA)

This is my fo14th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOK FINANCIAL CORP (AZ)

I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, XXXX, and XXXX. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX   did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXXXXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two different checking accounts that I also had with XXXX XXXX XXXX and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.