davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (IL)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2023-08-16
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)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT
Consumer complaint received 2017-05-11
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: JPMORGAN CHASE & CO. (CA)

My Name is  XXXX   XXXX . I am card member of  Chase Sapphire Reserve  card ending  XXXX . I have an unauthorized charge post on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX  for  XXXX   .  I never went to this restaurant. The charge is happened on  XXXX  MO on  XXXX / XXXX /  XXXX   according to the Chase representative, post o on  X/XX/2017 .  However I am at  XXXX   XXXX  all day on   X/XX/2017 .  I have attached my hotel receipt  at   XXXX   XXXX  MO from  XXXX  to  XXXX  as evidence. I file dispute immediately after I found this charge shown on my account, but I do n't only response after the dispute. I sent online message many time for inquiry and each time is just we are working on it and no useful information. I called  Chase t o find out, but the representative is really unprofessional. She just read the outcome that  Chase w ill not refund the fraud charge because the fraudulent restaurant provide you the receipt who know what it is and you can not get money back from the restaurant. And refuse to connect to manager for help me solve this issue after I requested. After file official complaint in BBB, the  Chase executive off ice 's response is even worse and does n't care if I am  Chase 's customer or not. Chase can  not provide any solid evidence such as the restaurant receipt with my signature. I never receive any solid evidence from  Chase by mail indicate this charge is valid, but Chase is  so rude and said its their final decision and if you do n't like you can cancel the card. I paid  XXXX  $ annual fee for this credit card and this is not the customer service I expected. It seems that Chase does n't value their customer at all.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Back on XX/XX/2022, I sent a 2nd letter to Experian Credit Bureau to remove my old addresses from my Experian Credit Report. My old address still appears on my report. USPS tracking number XXXX. Experian stated they properly investigated my dispute, but how is that possible when all this old address still appears on my credit report. This is grounds for removal, they also violated my rights under 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2023-09-29
Product: Credit reporting 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 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 2017-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (VA)

1.  XXXX  credit if  XXXX  to old, closed debit card.     Never received to my account. Given the runaround for almost a month now. They are telling me almost every time I speak to " tomorrow '', we do n't know, it " should '' have happened. They have stolen my money and gotten away with it.     Today they refused to open a dispute for this money because they " could n't. '' Item 2. I had a service call LAST MONTH where the work was unsatisfactory and I was scammed. The bank 's alleged protection guarantee is essentially faudulent on everything. They do n't back anything.     3. I was ALSO a victim of identity theft and they sent me a FORM LETTER telling me to open a new account WITH THEM and closed my claim. They did n't take any of it seriously.
Consumer complaint received 2023-08-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (DE)

I bought a farm in XXXX with my husband in 2009. After we moved from XXXX, my husband continued to work in XXXX  and never made the transition to move over which was obviously what was originally intended as we were raising our XXXX young children. I learned later that my husband was having affairs since we all lived in XXXX and was continuing to do so while I raised our kids in XXXX. I filed for divorce once I learned of his infidelity but I could not afford the farm by myself. I did not have a job since I had just moved and I was taking care of our children by myself. I found jobs and found ways to stay afloat the best I could going in and out of the foreclosure process. I was at the farm for nearly 10 years and struggled the whole time. The property had gone into disrepair as I did not have any additional money. The market was bad and the property did not look good and so there was no way to sell it early on. I worked hard on the property for 3 years doing what I had to get it back into a state that would help it sell. I mowed, weed whacked, power washed, fixed fence, fixed garage doors, had siding put on a run-in, fixed XXXX waterers, painted rooms, got carpet put in where it needed it the most, trimmed trees, repaired electric fence and on and on. The property looked great when I finally put it on the market and the market had improved by that time. The property sold in the nick of time as I was in foreclosure proceedings once again. My neighbors could vouch for all the work I did over the years because they saw me working so hard. 
When I applied for a mortgage through XXXX XXXXXXXX XXXX, a 3rd party originator, I was approved for a mortgage through XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan. I was told that I would have to pay PMI for 10 years I believe which was an additional {$150.00} per month! I thought that was only for those who put less than 20 % down. I was putting more than half down! I was told that because my farm was in foreclosure proceedings that it was a requirement. They did not care about the circumstances whatsoever. Anyone in my position would have lost the farm to foreclosure and would not have the means to buy any house. So basically I am being punished for something that was out of my control. I did not know that I would be abandoned by my husband. He signed a 30 year mortgage with me yet I was the only one trying to stay on top of it. Most people told me to just walk away and start over. I had too much invested and felt I needed to work hard to get where I needed to be. It would have been much easier to walk away but that is not something I do. The mortgage has since be sold to Freedom Mortgage of XXXX XXXX, Florida.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MI)

Since XX/XX/2009 This Consumer Reporting Agency ( CRA ) has been reporting negative unverified information about my personal and private property the Registered Organization XXXX XXXX XXXX XXXX. This CRA has never received Consumer 's written consent to sell his private information/property to any third party creditors. This CRA is also guilty of Identity Theft as XXXX, XXXX never provided CRA with his name or the State of Michigan 's Registered Organization 's name of XXXX XXXX XXXX XXXX , address, phone number, social security number or birthday all the above-mentioned information was stolen by CRA and used to profit. CRA procured my private information unlawfully and without Consumer 's written permission or consent and sells it to third party creditors. I demand This CRA remove all information that was not provided to it by Consumer XXXX, XXXX the Agent of XXXX XXXX XXXX XXXX and compensate Consumer for the unlawful procurement and use of Consumer 's private information.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-08-16
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. (SC)

I have hard inquires on my credit report that I did not authorize. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Some one tried to use my identity for a car loan. During that time i was able to freeze my accounts, but the inquiries are still showing on my credit report.
Consumer complaint received 2022-10-24
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. (NC)

I value your help to REMOVED a portion of the data on 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 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. 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
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXXXXXX XXXX committed fraud I filed for the credit protection insurance on both of my cards from them when hurricane Ian it and I couldnt go to work for a few months and they stole the insurance money and refused to put it towards my accounts and there still trying to force me to pay it and they are making false reports to my credit file.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

XX/XX/XXXX : requested refund of payments made during COVID forbearance as permitted via CARES Act. Was told it is being processed. 
XX/XX/XXXX : Account balance still does not reflect this update/refund. Tried calling to get an update on my case number but have had troubles reaching someone on the phone. Experienced no call back after using the call back feature.
Consumer complaint received 2022-06-13
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. (VA)

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to exercise my right to pursue litigation in accordance with the FCRA to enforce my rights and seek any and all relief I am entitled to and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligence and noncompliance.

Despite two prior written requests, the unverified items listed below STILL remain on my credit report in violation of Federal Law. You are required, according to the FCRA, to have a copy of the original creditors documentation on file to verify that this information is correct and does belong to me. In the results of your first investigation and the following reinvestigation, you stated in writing, that you VERIFIED that these items are being REPORTED CORRECTLY
Consumer complaint received 2023-08-16
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-15
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: BARCLAYS BANK DELAWARE (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-08-16
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-08-16
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. (TX)

In accordance with the Fair Credit Reporting Act these XXXX  Accounts listed below has violated my rights : XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX BANKRUPTCY DISCHARGED XX/XX/2014 REFERENCE # XXXX DEPTEDXXXX ACCOUNT # XXXX DEPTEDXXXX ACCOUNT # XXXX
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I never applied XXXX XXXX credit card. Someone used my identity to used credit card. 
I made a police report and disputed this matter with XXXX, XXXX, Trans Union. 
The Credit Bureaus stated my account was properly investigated but they did not. 
I never lived at XXXX XXXX area, There are address show on my credit report along with inquiries. I am trying to buy a car but this negative impact hurting my financial situation. 
I disputed more than 3-4 times but nothing happened. 
Please delete this XXXX 's credit card account.
Consumer complaint received 2023-08-16
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. (MN)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2017-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (WV)

I had a  XXXX   XXXX  on Monday  XXXX   XXXX ,  XXXX  at  XXXX , WV  XXXX    XXXX   XXXX  . Was taken to  City Hospital  until I was stable, then they transported me to  XXXX  Hospital in  XXXX , VA. In  XXXX   XXXX , due to divorce and health issues, filed Bankruptcy  XXXX   XXXX . Currently, trying to establish a business line of credit for my  XXXX   XXXX  and noted on my personal credit that I have a judgement from  XXXX   Medical Center  for {$1800.00} filed on  XXXX / XXXX / XXXX . Why would this not be included in bankruptcy?     Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was charged of the following day ( XX/XX/XXXX ) but also indicating ( XX/XX/XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate Information falsely manipulates the statute of limitations. You failed to provide accurate information and your neglect has violated my rights. The Account is also indicating multiple account numbers instead of just one for this account!! I am demanding a deletion of the following account : Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (CO)

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 need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX 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