davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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. (TX)

My information was involved in the XXXX data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately
Consumer complaint received 2024-01-11
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there is still some account on my report that is false and was resulted from identity theft. I am asking for your assistance in getting rid of the last few account on my report. Any account reported on an identity theft report must be blocked by the credit bureau in accordance with FCRA section 605b. 
XXXX XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, after going over my credit reports I found several issues. I have listed them below and asked that you please help me remove these inaccurate accounts. I have included my ID and social and an FTC report. Account name : XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$25000.00}
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (AE)

Discover Card closed my account due to two payments being returned and their inability to verify my identity. The payments were returned because the linked bank account was compromised from a lost debit card. I have always made all of my payments on time and have never had a late payment. Even after Discover account is close, I continued to make on time payments and the balance on the account is {$0.00}. As a service member, we sometimes do not get communication that our accounts may be compromised. 

Discover Card inability to verify my identity is because my address is a U.S. XXXX XXXX  Address for XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Residential Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I've been based overseas for years. If Discover Card is treating me like this, I can only imagine how they are treating other Service Members that resides XXXX I strongly recommend CFPB look into Discover Card practices.
Consumer complaint received 2016-07-29
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (DE)

Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. THis was brought to my attention when a received a copy of my gredit report and noticed that XXXX home loans were completed and issued under my name and social security number. Chase is XXXX of the banks that are currently still holding this account under XXXX name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard one to live.
Consumer complaint received 2024-01-11
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. (NY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Bankruptcy account has been removed from XXXX. which means it should be remove from transunion and experian now. I demand that you remove these public record from my credit file. It is a violation of my right to privacy Pursuant to 15 USC 1681a ( 4 ) and 15 USC 1681b of the Fair Credit Reporting Act. Ive attached the updated credit report which shows the public record removed from XXXX.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have a mortgage with Wells Fargo Home Mortgage, I wrote my check for payment in XXXX 2017, An unknown person changed the amount on my check from {$2000.00} dollars to {$3000.00}. XXXX dollars without my approval. The check was processed for the changed amount on XXXX17.
Consumer complaint received 2016-07-10
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (OR)

I have a credit card with Chase with a limit of {$65000.00}. I have not been late on a payment and have had a credit score consistently over XXXX. I pay my credit card in full every month. I recently came over my limit to {$85000.00}. I went to lease a car and found that my credit score dropped significantly. The car dealer reviewed my credit report and showed me how it was compromised as a result of exceeding my {$65000.00} credit limit. When I called Chase they stated that because I was a preferred customer they extended the extra credit to me. Unfortunately in the process of doing so, because I did n't pay the credit card down immediately, they reported this to the credit report agencies. The credit card company should have either 1 ) never approved that additional purchase over my credit limit or 2 ) notified me of this happening and the potential effect it could have on my credit score prior to reporting this to the credit report agencies.
Consumer complaint received 2022-08-25
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. (CA)

I have tried twice with letters to have Experian remove fraudulent names and addresses from my credit report. My legal name is XXXX XXXX XXXX, my legal address is XXXX XXXX XXXX XXXX XXXX CA XXXX, my SSN card identifies me as such. The names and addresses still on my report do not belong to me, I can not receive mail at any other address and the names listed other than my legal name could be fraudulent. It is my right under the FCRA to have correct information so my score is not impacted adversely.
Consumer complaint received 2020-04-30
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.
Consumer complaint received 2024-01-11
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX. United States. 

Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Ive contact the law enforcement agency and filed a report and affidavit. They claim the identity theft report is valid. And lastly, I contacted the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MD)

A letter was sent to my house today XXXX XXXX 2017 ( date on the letter XXXX XXXX 2017 ) which states I opened an account and they are closing it due to serious delinquency. I never opened an account with this online store ( amazon.com ) or the bank behind it ( Synchrony Bank ). I called their fraud department and they asked me my social security number, which I refused to give but gave last four digits so they can find the information about the fraudulent account ) so far, they said no account was found with my social security number but they reported me to XXXX, which lowered my credit score I am trying to ameliorate. The person I talked to, also tried to get my father 's social security number, we have similar names. I never opened an Amazon store credit card and definitely never plan to do so.
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (OH)

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Consumer complaint received 2024-01-11
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. (NY)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fraudulent Inquires XXXX XXXX XXXX XX/XX/2022, XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-11
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. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

I am filing this formal complaint regarding Experian 's failure to comply with my credit report dispute, dated XX/XX/year> ( DISPUTE IDENTIFICATION : XXXX XXXX XXXX XXXX ). Despite my clear and specific demands under the Fair Credit Reporting Act ( FCRA ), Experian has failed to correct or remove inaccurate personal information, including incorrect names and addresses. Additionally, Experian has failed to comply with my request for full documentation, manual verification, and direct communication with original furnishers. 

Documentation Provided to Experian : As part of my original dispute, I included : A signed and notarized affidavit of address verifying my correct current address as XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
A copy of my government-issued ID and Social Security card , both reflecting my correct address.

Despite this, Experian has failed to remove the incorrect addresses or provide any verification of the disputed information.

Violations of the FCRA : Failure to Ensure Maximum Possible Accuracy ( FCRA Section 607 ( b ) ) : Experian has failed to remove incorrect names and addresses from my credit report, including variations of addresses at XXXX XXXX XXXX XXXX XXXX, and others. This failure violates FCRA Section 607 ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information reported.

Failure to Provide Full Documentation ( FCRA Sections 609 ( a ) and 611 ( a ) ) : I requested full documentation showing how each item was verified, including original signed contracts, proof of identity, and transaction histories. Experian did not provide these documents, violating FCRA Sections 609 ( a ) and 611 ( a ).

Failure to Conduct a Manual Reinvestigation ( FCRA Section 611 ( a ) ) : I explicitly requested a manual reinvestigation without
reliance on automated systems like e-OSCAR. Experian failed to comply with this demand, violating FCRA Section 611 ( a ).

Failure to Notify Furnishers of Disputed Information ( FCRA Section 611 ( a ) ( 2 ) ) : Experian did not provide proof that it notified the furnishers of the disputed information within five business days, as required under FCRA Section 611 ( a ) ( 2 ).

Failure to Provide Investigation Process Documentation : I requested a time-stamped process of the investigation, including names and employee IDs of those involved. Experian did not provide this information, which is required under FCRA Section 611 ( a ).

Requested Resolution : I request that the CFPB require Experian to : Delete all inaccurate personal information from my credit report, including incorrect names and addresses.

Provide full documentation of how each item was verified.

Ensure all future communication is conducted via certified mail with return receipt requested.

Compensate me for non-compliance, as allowed under FCRA Sections 616 and 617, at a rate of {$1000.00} per violation for willful or negligent non-compliance.
Consumer complaint received 2024-01-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (PA)

Okay on XXXX XXXX XXXX  I had a deposit of XXXX XXXX on to my chime card and that money was either lost by chime or spent fraudulently probably by somebody that I guess got my information somehow I'm not I'm not even sure how it happened but the money is gone or chime somehow screwed it up and lost it I've been arguing with these people for a year 1/2 now trying to find out where this money is and they really can't tell me anything they can't 't find themoney it was there and they can't find any of the charges after it or nothing and I've been literally d Going on and on just like a broken record almost every day every other day 150 emails and i got nowhere they need to refund me that money i researched 10 days it supposed to take its been over 400 days
Consumer complaint received 2024-01-11
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)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TD BANK US HOLDING COMPANY (MD)

I received the attached notice ostensibly from Target, alleging I owed them a payment. Neither my wife nor I have ever had a Target credit card or been in one. I called and the firs question asked was for my Social Security number. This is either a questionable market strategy or a complete scam. I have no idea. If you could inquire, that would be appreciated and would perhaps prevent people from providing their SSN. Thanks, XXXX XXXX
Consumer complaint received 2024-01-11
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch XXXX XXXX XXXX XXXX XXXX XXXX  Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

Sincerely, XXXX XXXX