davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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. (CA)

A criminal stole my social security number and name and used this information to open an account with XXXX XXXX Texas linked to an address in TX that has nothing to do with me : XXXX XXXX XXXX XXXX, XXXX, TX. 

The fraudsters failed to pay the bill, and XXXX XXXX Texas turned it over to a collection agency : XXXX XXXX XXXX XXXX. 

Then, the fraudulent account was reported to all three credit bureaus and my credit score took a huge dive : from XXXX to XXXX. 

I have never lived in TX and this account should have never been opened in the first place. XXXX XXXX Texas opened an account in my name and acted in a reckless and negligent manner as described below : XXXX ) A fraudulent account was opened in my name without verifying that the consumer was, indeed, me. 
XXXX ) I have emailed the company and contacted on XXXX and have received no response. 
XXXX ) A fraudulent account in my name was sent to collections. 
XXXX ) A fraudulent account in my name was reported to all three credit bureaus. 
XXXX ) My credit score went from XXXX to XXXX as a result of the company 's negligent and reckless behavior, further victimizing me. 
XXXX ) The company 's negligent and reckless behavior has resulted in me wasting invaluable time in trying to dispute the fraudulent charge. 
XXXX XXXX XXXX XXXX Texas did not even notice that there's a fraud alert on my credit report because I am a prior victim of identity theft and fraud. 

XXXX XXXX Texas should be investigated for failing to follow basic protocols to ensure that no accounts are opened without proper identity verification. 

But this nightmare does not end with XXXX XXXX Texas 's failed policies. Credit bureaus are also at fault for failing to protect consumers and continue to add fraudulent charges to my credit report despite me having an active freeze and fa raud alert since around XX/XX/2022. 

I am a victim of identity theft. And I am tired of having to waste time with these companies ' negligent and ineffective anti-fraud policies. 

When it comes to my latest dispute, the biggest nightmare so far involves dealing with EXPERIAN. The company website has blocked my IP, prevented me from uploading documents showing that I do not live in TX and phone calls to their customer service number get cut off all the time. Their customer service via XXXX has been an absolute travesty and disgrace. 

XXXX " XXXX '' has been extremely unpleasant to deal with and notably ineffective. This bot/AI/human should be immediately fired. 

I demand that EXPERIAN write off this debt as fraudulent and never again adds a fraudulent charge to my account without contacting me first to verify my address ( there's a fraud alert on my report for a reason ). 

I also demand that EXPERIAN delete all TX addresses where I have never lived. 

I also demand that EXPERIAN 's " XXXX '' bot/AI tool be immediately fired for providing a horrible customer experience. 

Thank you.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (GA)

A Chime account has been opened in my name with my email address. On XX/XX/2023 I received the first email stating me by first name opened an account, then subsequent emails that a phone number was added which turns out to be a fake number. I called Chime upon receiving this information and they asked for further detailed personal information I would not provide. They stated unless i gave my information they could not assist me. On XX/XX/2023 I received notification that a Chime card has been sent to an address which is in fact an old address of mine. I again called chime and they kept asking for my personal information. They even went as far as changing the email address to stop me from getting emails but did not close the account. All of this activity is fraudulent activity, and the company needs to be reprimanded.
Consumer complaint received 2024-01-17
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. (IL)

I am writing to bring to your attention serious concerns regarding inaccuracies in my credit report, as reported by XXXX, XXXX, and Experian. It has come to my attention that these credit reporting agencies are in violation of 15 USC 1681 and 15 USC 1666b by incorrectly reporting late payments from XXXX XXXX  XXXX, XXXX XXXX, and XXXX on my credit profile. 

Additionally, there is an entry from XXXX XXXX that does not belong to me, and I am requesting its immediate removal from my credit report. I believe this inaccurate information is not only damaging to my creditworthiness but also a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I request the removal of any inquiries that are not attached to open accounts. My personal information was compromised in the XXXX data breach, and as a result, I am concerned about the potential misuse of my credit information. Removing unauthorized inquiries will help protect my credit profile from any further harm. 

I have previously written to XXXX regarding certain discrepancies in my credit report, and to date, I have not received any response. As per the FCRA, it is my understanding that prompt attention and resolution are required in such matters. I request that XXXX address and rectify the issues raised in my communication promptly and ensure the necessary corrections are made to my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure compliance with the relevant statutes. The inaccurate reporting by these credit bureaus, the inclusion of unauthorized inquiries, and the lack of response from XXXX have adversely affected my financial standing, and I am seeking resolution to rectify these issues promptly. 

Enclosed with this letter, please find copies of the relevant sections of my credit reports highlighting the inaccuracies and unauthorized inquiries in question. I believe that a comprehensive review of the provided documentation will support my claims and prompt the necessary corrective actions. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will work diligently to rectify these credit reporting errors. Please inform me of any steps taken and the resolution reached. 

Thank you for your prompt assistance in this important matter.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (FL)

I HAVE 5 PAYMENTS THAT WAS PAID THROUGH MY NAVY FEDERAL ACCOUNT. THIS WAS PAID THROUGH BILL PAY WHICH I RECENTLY FOUND OUT IS A THIRD PARTY VENDOR. I'VE REQUESTED FRONT AND BACK OF THE CHECKS THAT WERE PAID, CASH AND NOT APPLIED TO THE CORRECT ACCOUNT. I HAVE REQUESTED THIS INFORMATION FROM NAVY FEDERAL 'S ( ADVANCED DIGITAL DEPT ). I HAVE NOT RECEIVED THIS AND THE PAYMENTS THAT I'VE MADE HAS NEVER BEEN CREDITED TO MY XXXX XXXX  ACCOUNT FORMALLY KNOW AS XXXX XXXX XXXX ( XXXX XXXX ). THIS HAS AFFECTED MY CREDIT AND MY ACCOUNT HAS BEEN CLOSED.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I received notification via a credit monitoring service that this company named IC SYSTEM added a fraudulent debt from XXXX on my credit report. IC SYSTEM HAS violated my rights under the FDCPA AND FCRA ACTS. I was never notified of this debt in any way fashion or form to request validation before they reported negative information on my credit report. Im seeking immediate monetary relief as well as deletions to all credit reporting agencies not just the major three but all data repositories and data furnishers. 

Here is also my Debt Validation Request! 

Dear I.C. SYSTEMS, I am writing in regards to the collection account IC SYSTEMS reported to the CREDIT REPORTING AGENCIES I have no knowledge of this alleged debt. I am requesting that you provide me with full validation of this account as required by law under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am disputing the validity of this debt and I am requesting that you provide me with the following information : 1. The name and address of the original creditor.

2. The original account number associated with the alleged debt.

3. The date of the alleged debt.

4. Documentation proving that I am responsible for the alleged debt.

5. Itemized statements showing all charges, including fees and interest, associated with the alleged debt.

6. Amount of debt 7. Proof that you are licensed to collect debt in the state that I'm in 8. Proof of the last payment made on this account I am invoking my rights under 15 USC 1681G of the FCRA to request this information, which requires that you provide me with a complete and accurate accounting of the alleged debt. I am also requesting that you cease any and all collection activities until you have provided me with this information. Also if your reported negative information to any and all credit reporting agencies you must removed until a full investigation is complete. 

If you are unable to provide me with this information, I request that you immediately remove this alleged debt from my credit report and cease any further attempts to collect on this debt. 

I have no problem suing your company as a whole, along with its companys shareholders, employees, and register agents Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-01-17
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Greetings from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) EIN & Tax ID : XXXX UBI & Entity ID : XXXX XXXX XXXX XXXX : XXXX FORMATION STATE : Washington State ENTITY TYPE : XXXX FORMATION DATE : XXXX XXXX, XXXX  ENTITY ID : XXXX XXXX XXXX Contact : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX Wa XXXX I, XXXX XXXX ( SSN : XXXX ) firmly clarify that i truly a victim of fraudulent and identity theft while I never used to give any authorization on my behalf to anyone else making any purchase, using my personal data, apply all kinds of loan application. I strongly denied to those fraudulent transactions as XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Bank of America, XXXX XXXX  having right to charge or to use my personal informations, my phone numbers, email addresses, my SSN, my EIN, banking accounts, checking, debit and credit cards from all banks especially Bank Of America, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX together all kinds of illegal transactions I strongly deny to those all fraudulent transactions charged from XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX on my checking account, debit and credit card of Bank Of America and XXXX XXXX  including all bank accounts at all. I even never used to submit any loan application to auto loan, home loan or even any mobile service company such as XXXX or XXXX XXXX XXXX. I Do Request to Bank Of America and XXXX XXXX  to provide your assistance refund me back full amount of my hard-earned money lost in total {$89000.00} suffered from these fraudulent transactions on my checking account, debit and credit card since early XXXX  till today XX/XX/XXXX. 
Request for assistance to all 3 credit bureau and debt departments to clear off those all fraudulent informations and debts under my name while I confirmed strongly never involving with. I XXXX XXXX XXXX XXXX XXXX XXXX since BOA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and those related companies almost warned me to push all debts into collection and where is my justice? Who can help me from responsible for what I didnt do? Why I turned to suffer hurtfully like this? 

And right now, after my hard trying to inform all banks and all related companies turned to pressure me badly and hurtfully by blocked all my accounts and even small money they took all.
Consumer complaint received 2024-03-16
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. (MI)

All 3 companies REFUSE to remove the invalidated inaccurate XXXX XXXX XXXX 
Some charge offs and late payment history Ive sent more than 5 letters Made more than 6 complaints with the companies yet all I get that is accurate when its not. Ive filed a fraud alert/ my complaint from the ftc .
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

I am responding to your contact. You reported and identified a debt that is not mine. I do not have any responsibility for the debt youre trying to collect. I have never had an account with IC Systems. 
I am disputing the validity of the debt.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Credit report agencies did not do a thorough investigation. I got my results back, and the credit reporting is not accurate as it should be according to the FCRA. 

All accurate information should be reported to the credit reporting agencies or it should be updated or removed immediately if investigation was not properly investigated and as a result, this is harming my credit report please remove this account immediately. 

There is different information being reported with the three credit agencies, and it should be accurate all the way across-the-board please remove.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

l noticed that my account always was minus at the end of the month. i thought that maybe i had subscribed to something and did not know. when i investigated, i found out the bank was robbing me blind. they were saying my money was there.when i pulled it out they made it an illegal pullout. then made it a minus and charged me an overdraft fee on top of it..so when my money did come in i was already minus on the money i pulled out. even if there is some legalese that protects them it is immoral fora bank that you felt was protecting you to be robbing you blind.wells fargo bank XXXX XXXX.
Consumer complaint received 2018-01-17
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: Experian Information Solutions Inc. (FL)

XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX+ Finance XXXX XXXX Inquiry from XX/XX/XXXX+ Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry fromXX/XX/XXXX+ Bank XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance XXXX  Inquiry from XX/XX/XXXX+ Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX+ Finance XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance
Consumer complaint received 2018-01-17
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)

XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Automotive XXXX XXXX Inquiry fromXX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Misc.

XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry fromXX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX+ Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit CardsXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Finance
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were 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 for 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 XXXXXXXX, XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are inaccurate and neeeds to remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-17
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)

I wrote a letter on XX/XX/2023, inquiring about both known and unknown information on my credit report. I still haven't gotten an answer even after more than 60 days have passed. I feel as though my disagreements are being disregarded and exploited. According to Section 611A, if these issues are not investigated within 30 days, that is a valid cause to have them removed off my credit report right away. They ought to be removed right now because it has been more than 60 days. I demand that these things be taken down right now, or I'll file litigation for the stress you put me under. The XXXX data leak also affected my information, which might have ended up in the wrong hands.