davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (MI)

I have two accounts one ending in XXXX the other one ending in XXXX. I received pretty much identical letters today stating that you have reduced my credit limit. And Im not talking about just reducing it a little bit. For example the card ending in XXXX you went from {$11000.00} down to {$300.00}. Some of your reasonings are that I have a late payment I have just looked at all three of my credit reports. I dont know what youre talking about. Could you please show me where youre finding this late payment because I cant find it. I scoured every single credit report and can not find where Ive ever missed a payment anywhere ever. I think you tell me that payment to low relative to balance on Wells Fargo credit card last six months I have a XXXX balance what are you talking about so you lowered my credit limit because I have a XXXX balance. Please explain yourself in detail and in writing, and because your reasonings dont add up, they just arent truthful. Youve also listed that I near my credit limit on other cards. I looked, and I will admit theres two cards that are I guess you could consider relatively close to the credit limit theres still thousands left but were getting close to that I guess, but I also havent made a payment this month yet either. So obviously, those balance will decrease the rest of the cards. Do not have that large balance. A lot of them have a XXXX balance just like my Wells Fargo card ending in XXXX the other credit card ending in XXXX. You pretty much used all the exact same excuses. The only difference here is that I do have a {$400.00} balance on the card {$400.00} has literally been on the card for less than a month. How can you determine how much Im going to pay or how quickly Im gon na pay that {$400.00} off if we literally the balance has been there for less than a month.
Consumer complaint received 2024-08-15
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. (MS)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (TX)

To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt removal of a collection account that is inaccurately reported on my credit report. Your immediate attention to this matter is required. 

The collection account in question is as follows : Creditor : I.C. System, Inc Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned collection account is being reported with an open date of XX/XX/XXXX. This is a gross misrepresentation of the facts, as I terminated my XXXXXXXX XXXX in XXXX and dutifully returned all equipment associated with my account. The continued presence of this erroneous collection account on my credit report is causing significant harm to my financial well-being. 

Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of this collection account. Should you fail to substantiate the validity of this account or correct the inaccurate information, I insist that you promptly delete the account from my credit report. 

In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of this collection account, you are legally obligated to remove the account from my credit report and notify me of the changes made. 

I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.
Consumer complaint received 2024-08-15
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)

I received no information and more contact from these collection companies XXXX XXXX XXXX Account number XXXX Account type Collection Historical info Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX info Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Account info Account nameLXXXX XXXXXXXX XXXX  XXXX Account XXXX Account typeCollection Orignal Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account nameXXXX XXXXXXXX XXXX  XXXX Account XXXX Account typeCollection Orignal Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account XXXX Account typeDebt Buyer XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Address po box XXXX XXXX, SC XXXX XXXX XXXX XXXX KS Account : XXXX XXXX  XXXX XXXX, KS XXXX Phone XXXX XXXX XXXX XXXX ( XXXX ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Federal Student Aid Experian XXXX XXXX XXXX : Urgent Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to officially dispute the inaccurate reporting related to my credit file and to demand immediate correction of this error. The account in question is [ Account Number ] with [ Creditor Name ]. It has been erroneously marked as a charge-off ( CO ) for collection, which is not only incorrect but also a violation of my rights as a consumer under the CARES Act.

As per the provisions of the CARES Act enacted in XX/XX/XXXX, creditors are prohibited from reporting negative information for accounts impacted by COVID-19, assuming previous good standing or deferred payment terms. My account was paid in full on XX/XX/XXXX and then returned by the Department of Treasure now was paid in full again on XX/XX/XXXX, and it is unacceptable that this inaccurate information has persisted in my credit report. 
Please note that I have attached relevant documentation evidencing my full payment, along with my account history, which clearly demonstrates that this account was never in default or delinquent. 
I demand that you conduct a thorough investigation into this matter and amend my credit report immediately to reflect the accurate status of my account. This misrepresentation is causing significant harm to my ability to obtain credit and is, therefore, urgent that this issue is resolved without delay. 
I expect a prompt response and resolution. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond to me within 30 days. Please send me a written confirmation of the actions you are taking regarding this matter, as well as an updated copy of my credit report once the corrections are made. 
Thank you for your immediate attention to this serious issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

In XX/XX/XXXX I sent a certified letter to Experian requesting to update my personal information including my name, my address, social security number and my phone number and my employer. I sent copies of supporting documents including my social security card, a recent utility bill and a copy of my license. Today, XX/XX/XXXX, I saw that my report has 6 different names and seven addresses! I called Experian and spoke with XXXX about the dispute they partially completed in and I told him that these are not my addresses and stated that I can not be reached at the addresses and he stated that he could not take three adresses off my report. XXXX said that I have to talk to the creditors, Case Number : XXXX, and said that he could NOT dispute the addresses because it would only be reported again. I told him that as the credit reporting agency, they have the responsibility of furnishing accurate information and making sure it is accurate and therefore, should at least dispute it. He said that he can not dispute this and he can not take it off and said I have to talk to the creditor. I told him that I have provided proof of my accurate information and I told him that this is a violation of my rights. I have right to be able to update my personal information so I cant be reached. The various addresses make me appear unstable to potential lenders and is preventing me from accessing capital. I sent the same certified request to XXXX and XXXX and they have updated my personal information without any issues! I do not understand why Experian is giving me such a difficult time with updating MY PERSONAL INFORMATION. They are in violation of 15 U.S.C 1681 ( a ) ( 1 ) fair and accurate credit reporting 15 U.S.C 1681 ( a ) ( 4 ) consumer agencies assumed vital role in assembling and evaluating consumer credit and ( 4 ) there is a need to ensure credit agencies exercise their grave responsibilities with fairness, impartiality and respect for consumers right to privacy.
Consumer complaint received 2017-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Focus Holding Company (FL)

I sent a direct dispute to   XXXX   and it was removed from my credit file. I also sen t one t o  XXXX  and was told it was removed but the company keeps adding it back.  XXXX  gave me your number so that i contact you and let you know that they keep readding the charges.
Consumer complaint received 2024-10-02
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. (NC)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. 

Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX Date of XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

An IRS Tax lien was withdrawn on  XXXX / XXXX /   2017  and after filing multiple dispute with Equifax the lien record has not been deleted from my personal credit report. The status was only changed to " Released '' which is not accurate. I demand that the entry be removed as it has been in all other credit reporting agencies. I am aware of numerous complaints for the same issue against Equifax.
Consumer complaint received 2020-09-02
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: GOLDMAN SACHS BANK USA (TX)

Disputed Transaction Details Transaction date : XX/XX/2020 Merchant name : XXXX ( XXXX ) Disputed amount : {$1300.00} Amount resolved in merchant 's favor : {$1300.00} Merchant shipped an empty box, the item was a lighter for it only weighs an ounce or two. But the box was empty without the item. The merchant also canceled a separate order on XXXX which I paid for and then provided them with this tracking number which shows delivered but again paid for but never received.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

I requested my early warning report and I realize some fraudulent accounts opened in my name. here are the list of fraudulent accounts opened in my name : Bank Name : XXXX  XXXX XXXX Account number : XXXX routing number : XXXX Bank Name : XXXX XXXX  Account number : XXXX routing number : XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numb # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-08-15
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. (OH)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-05-02
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. (TX)

I am writing to you regarding my recent credit report. I found some discrepancies with several of accounts that are being reported on the major credit bureaus. According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report and there is a requirement to remove any information that is remotely untrue, inaccurate, and unverifiable
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-14
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)

These 2 items need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-02
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. (IL)

I wasn't able to comprehend why this happened on my credit report. I want you guys to help me to remove these late payment remarks that this company has listed here in my credit report.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed a hard inquiry on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
Here is the name of these inquiry : XXXX XXXX XXXX : XXXX. XXXX, 2022 This item must be removed from my report as soon as possible.