davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am inquiring about Experian with the Deletion of XXXX XXXX XXXX, the account was deleted from my credit Report and experian Add it Back to report .I am Asking For a Fill investigation into fraudulent of Experian credit reporting Adding and Deletion of accounts ( Paperwork will be submitted ) XXXX XXXX is reporting inaccuracies is in violation of my consumer FCRA Rights -5 U.S.C151692c XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-09
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. (PA)

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.
Consumer complaint received 2024-08-02
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX 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 2024-08-02
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-02
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-04-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (NV)

They required unreasonable documentation in order to change the checking account that my payment is drafted on. You must call in to customer service and are required to submit a copy of a bank statement and voided check. Documents must be faxed or emailed. 

This is unreasonable in that most financial institutions allow for these changes to be made online or over the phone without having to submit " proof '' of account ownership.
Consumer complaint received 2024-08-02
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I monitor my credit very closely and suddenly there was a XXXX drop in my score from XX/XX/XXXX to XX/XX/XXXX, though there was not a single change in my credit factors. 

XXXX XXXX concurred that there were no changes in my balance history, utilization rate, payment history or age of credit, but stated that because the change happened in XXXX, they could not look into it. XXXX XXXX, the XXXX for XXXX XXXX, insisted that there are confidential credit factors that determine my score and they are not privy to those factors. I repeatedly asked for an investigation and was told I could only have an investigation if something was inaccurate on my report. I have reviewed my credit report ( from all agencies ) and nothing changed except the reported score. It went from XXXX in XXXX to XXXX in XXXX. Again, I maintain a XXXX balance on all credit cards, my on-time payment history is 100 % and my age of first credit is XXXX. 

This is negatively affecting me, and I want my score restored!! XXXX should not be allowed to report scores if they are unable to justify the calculation and factors that enter into the score determination. 

Further, XXXX XXXX should NOT be a supervisor if he is unable to speak to an escalation with any level of intelligence or authority.
Consumer complaint received 2016-04-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Law Office of Linda Strumpf (NY)

I never received any communication from the original creditor or the law office that is now handling this so called debt that they bought in XXXX, and now as of XXXX they have froze my back account. I was never notified to appear in court, never received a phone call or letter stating what this debt is for, and when I try to contact the office nobody is available to speak with me. The lawyer who froze my account is XXXX XXXX. The only reason I know of this debt is because my bank was notified and gave me a copy of the letter that was addressed to them, not me.
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Management Systems Inc. (PA)

I received a debit from Southern Management, I called and spoke to them stating I never gave permission to use my financial information to be used for this debit and to please stop calling my cell number. They are rude on the phone when trying to explain to them and they will not stop calling me. I have already disputed this on my credit report and it has been removed by XXXX. I have also filed a complaint with XXXX as well. These folks need to know that they just can not harass people in this manner. Thank you
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Did not close account! This account is past the 7 year mark and want it removed! Trans union and XXXX Opened Date XX/XX/2009 XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Consumer complaint received 2016-04-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (FL)

I received a letter from AR Resources out of Pennsylvania stating I owed a balance and would be reported to collections. I called within 24 hours and the gentleman I spoke with explained I owed this to the physician when I let him know my insurance should 've covered this. When I let him know I never received a bill and would like a copy, he asked " for verification, WHY do you need a copy?! '' I let him know once again I never received XXXX, the hospital name was wrong on the statement they sent and I knew I am legally entitled to XXXX. He interrupted me and said something along the lines of, " oh you know you 're LEGALLY entitled? this is going on your credit if you do n't pay this. Do you understand? '' I asked him to please not interrupt me and tried to finish what I was going to say and he started yelling at me saying that I was ridiculous for not paying this now and I needed to or he was reporting it now. According to the letter I have a right to dispute or pay the bill within 30 days so why was I being threatened with this? I tried to interject his rant and asked him to please transfer me to someone else and he completely refused. I asked him two more times and told him I did not appreciate him being rude to me and he yelled at me that I was rude and he would not help me and " What do you feel bullied and threatended?! '' At this point I ended the phone call. I tried calling back but he answers and each time ahd I do n't feel Comfortable talking to him.
Consumer complaint received 2016-04-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (LA)

AFNI is reporting a account on all XXXX of my credit reports. XXXX, and XXXX. I have disputed this account with all XXXX credit bureaus and AFNI several times, and requested investigations. All XXXX credit bureaus informed me that AFNI verified and confirmed that the account belongs to me. I have not received any proof or documentation from AFNI that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

As of today 's date : XXXX XXXX, XXXX, Wells Fargo Mortgage has failed to provide a XXXX XXXX XXXX for XXXX. I am currently trying to get a discharge on my Ch. XXXX bankruptcy ( which I had to file to protect my equity and retirement home from Wells Fargo foreclosure proceedings ) and filing my taxes is the last leg. I am current on my post-petition payments ( made by me personally ) and WF says I have paid XXXX interest for XXXX on the automated call-in ; the online XXXX is not available, as it is showing the XXXX amount. 
Conversely, there is a total of {$25000.00} mortgage interest listed on my XXXX/XXXX/XXXX online statement. I called this morning to have the correction made, and they put in a " work-order '' and said the corrected form would be mailed to me in a few weeks, by XXXX XXXX, XXXX. [ When do you file YOUR taxes? ] This is causing added anxiety and stress and may affect my financial well-being. I just am recovering from a five-year repayment plan due to Wells Fargo 's inefficient accounting system, which also ruined my good standing in my community, and my excellent credit XXXX XXXX XXXX, equally important. 
My research shows that this is not unique to me, as WF has already been successfully sued for their mishandling of Ch. XXXX accounts, including punitive awards of XXXX XXXX. It does not appear that they have changed anything, and many others may be suffering from their devious and deliberately confusing accounting system. I am a XXXX in the state of Hawaii. I feel it is my obligation to reveal what I know and help others avoid undue loan problems.
Consumer complaint received 2016-04-08
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I deposited a check for {$1900.00} on XXXX XXXX, 2016. On XXXX XXXX, I was told clearly by XXXX, a teller at Bank of America at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, XXXX that the check had " no hold '' and cash was available. I told her that this was related to an online ad, and I had to know for sure that the check had cleared and was definitely legitimate. I asked her a second time, is the money definitely and permanently in my account so I could proceed, and she said yes. However, on XXXX XXXX, the {$1900.00} was taken out of my account. Apparently Bank of America did not follow the right procedure for clearing the check, and then took money away from my account that was definitely mine. Based on an XXXX XXXX conversation with the branch manager, XXXX XXXX, the branch did not violate OCC guidelines regarding clear communications with customers in explaining the difference between funds available and a check being verified. They had followed those guidelines. Instead, Bank of America 's corporate office had erroneous information in the database about the check being cleared. The branch reported that the check was definitely cleared because that was the information they had.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (WA)

Someone fraudulently opened a credit card in my name and ordered an XXXX laptop. They had it sent to my house. I contacted XXXX right away and they said they would send me a return slip which they did and I used it and returned the laptop. The email and return slip looked legit but apparently they were n't and I sent the laptop to the perpetrator and XXXX never received it back. I sent proof of all this, which I will attach, to the credit card company ( BarClays ) but they are saying I benefitted from this and will not take it off my credit report. This is negatively affecting my credit. And I have not received one letter from them stating why they think I benefitted. I spoke to them on the phone and they said it was because XXXX did not receive the laptop back. If you can help me it would be much appreciated.
Consumer complaint received 2016-08-11
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: World Acceptance Corporation (OK)

CONTINUES TO REPORT AS A NEGATIVE ACCOUNT ALSO WITH MAJOR DELINQUENCY DATE OF XXXX WHEN I FILED BANKRUPTCY. THIS SHOULD NOT BE ON REPORT DUE TO CHARGE OFF OF BANKRUPTCY AND CAUSING MY SCORE TO BE LOWER BECAUSE IT LOOKS LIKE AN ACTIVE ACCOUNT
Consumer complaint received 2024-08-02
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. (NE)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).