davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
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. (WI)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items 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. I've proactively remembered this report for 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, GA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Experian Information Solutions Inc. (NY)

Experian 's credit report still has not updated the XXXX mortgages The first mortgaged address identification number is XXXX date open XXXX XXXX First reported XXXX XXXX type Mortgage Terms 26 years Monthly payment {$1000.00} Credit Limit or original amount {$130000.00} High Balance Recent Balance {$110000.00} of XXXX XXXX Resposibility Joint With XXXX XXXX XXXX Status Petition for Chapter XXXX Bankruptcy {$3200.00} past due as of XXXX XXXX This account is scheduled to continue on record until XXXX XXXX Comment Loan Modified Account History filed chapter XXXX bankruptcy on XXXX XXXX, XXXX. How ever this is wrong, We file Bankruptcy on XXXX XXXX not XXXX XXXX, XXXX, and further more we do not owe or behind {$3200.00} this is wrong. We were approved for a Modification from XXXX in XXXX XXXX and when we file XXXX XXXX, XXXX we had the modification taken away but because of the Chapter XXXX they stopped all communication with us. So we had no idea that the modification was taken away every time we would call the answer we got was we can not disgust this with you have your attorney call us. So we paid the modification for a year of {$800.00} and sometimes more when we had it but we had to catch all of that up because of poor communication. Also we do not owe {$110000.00} our balance is {$110000.00}. Please correct this and we did not file bankruptcy on XXXX XXXX, XXXX it was XXXX XXXX, XXXX now the second mortgaged with XXXX XXXX XXXX XXXX XXXX was strip we owe nothing to the second mortgaged and the recent balance is not {$18000.00}. We are not past due and we did not file chapter XXXX bankruptcy on XXXX XXXX, XXXX it was XXXX XXXX, XXXX. Please have Experian fix this. Experian has not removed XXXX XXXX XXXX address identification number XXXX and identification number XXXX date filed XXXX XXXX Calim amount {$1900.00} Status civil claim judgment judgment in favor of XXXX XXXX bank XXXX this is satisfied needs to be removed or changed to judgement is satisfied. please have Experian fix this. and XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX address identification number XXXX and identification number XXXX date filed XXXX XXXX Claim amount {$1600.00} Status Civil claim judgment Judgment in favor of XXXX this item needs to be removed or change to this judgement was satisfied. Please have Experian fix my credit report. they have left all this negative stuff on my credit report and I am trying to get finance for a lower interest rate for Mortgaged. I can not get any where until they fix my credit report.
Consumer complaint received 2024-01-16
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (TX)

I opened an account at Simple because I had learned about a promotion they were offering. If you opened your account before XX/XX/XXXX XXXX XXXX PT, deposit {$20000.00} within 15 days of opening, and maintain a balance of at least {$20000.00} until XX/XX/XXXX XXXX XXXX PT you would receive a promotion of {$400.00}. 

I met all of the conditions of the requirements and have yet to receive a promotion. Several days before the deadline I had attempted to submit my application and was running into technical issues. Every time I would hit my submit application button I would get a spinning wheel letting me know the submission was completely but it would never take me to a completion page. 

I received marketing on the XXXX, XXXX, and XXXX of XXXX to complete my application and every time I tried to, I couldn't get it to complete. 

As a last resort I contact Simple via XXXX and let them know that I was having them problem. I contacted Simple via XXXX  at XXXX CST on XX/XX/XXXX and they were aware of the issue because they had a concise answer and recommended I remove or disable any browser extensions, which they responded an hour later ( XXXX CST ). Once I turned off my popup blocker, my application was submitted and approved instantly. 

The problem I realized today was due to this technical difficulty that Simple was aware of I had not met the time deadline for the promotion although I had met all of the other requirements.
Consumer complaint received 2024-01-16
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Im the victim of an identity theft.I didnt authorize any of the following hard inquiries.Hard inquiries should only be made on my credit reports with my permission and clearly wasnt XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( Miscellaneous ) XX/XX/XXXX Has violated my rights.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-14
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: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/2020 I purchased 2 airline tickets for travel in XXXX to XXXX, I purchase it trough a travel Agent XXXX. My American Express Platinum card was used for the purchase, in the amount of {$5000.00}, for flights on XXXX XXXX. On XX/XX/2020 I received a text message from XXXX XXXX informing me the flight was cancelled and a refund would be issued in the form of payment which was received. On XX/XX/XXXX I still did not get a refund, so I contacted the travel agent XXXX, XXXX XXXX XXXX. She Informed me American Express would be crediting my account. I contacted American Express, only to be told I should recoup the funds from the travel agency. I have telephoned XXXX  and email them and have not gotten a reply. American Express claims I am responsible for the charges because I did not prove the airline cancelled. I have supplied the refund by XXXX which was processed on XXXX/2020. To them and all correspondence to XXXX  with undelivered mail. Hey American Express is refusing to assist in recouping my loss. I pay XXXX XXXX  for membership to have peace of mind for protection against this kind of fraud. Yet they turn a blind eye and support customers been scammed.
Consumer complaint received 2024-01-16
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN  XXXX XXXX XXXX
Consumer complaint received 2020-11-14
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: Bread Financial Holdings, Inc. (TX)

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!
Consumer complaint received 2017-11-16
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. (AL)

The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and Equifax several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-01-16
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. (MD)

In accordance to the Fair Credit Reporting Act, XXXX XXXX
 has violated my consumer  rights.

 15 U.S.C 1681 section 602 A. States I have the right to privacy.
 The credit bureaus have failed to keep my information private.

 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions. I never gave nobody the permission to furnish anything on my account. So how is this information being reported?

15 U.S. Code  6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. I do not want my information shared with third parties.

15 U.S.C 1681 (2) A (i) the term consumer report does not include report containing information solely as to transactions or experience 
  If this is the case why is my report showing late payments

15 U.S. Code  1666b Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-16
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. (GA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST MERCHANTS CORPORATION (MI)

On XX/XX/XXXX, I reached out to first merchant banks customer service to close my account, I was told I have to go to a branch to close it. The nearest branch is 1.5 hours drive from me. 

I called the branch trying to close my account, was told I will need to mail the branch a notarized letter as well as a copy of my ID to close my account, which means Ill need to risk COVID to get a notarized letter. 

Today I learnt online that other people closed their accounts by calling their branches without issue. I do not believe this is fair. 

In addition, my account had a {$15.00} fee because I couldnt close my account.
Consumer complaint received 2024-01-16
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. (NC)

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 items 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. I've proactively remembered this report for 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
Consumer complaint received 2024-01-16
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-01-16
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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
Consumer complaint received 2020-11-13
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXXXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-01-16
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. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.