davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX/XXXX/XXXX I called Transunion and disputed a Bankruptcy ( Docket # XXXX ). The representative stated that the dispute would take up to 30days. On XXXX/XXXX/XXXX I got an email saying my dispute was completed and the Bankruptcy had been " verified '' by Transunion. I called Transunion on XXXX/XXXX/XXXX and spoke to XXXX. I asked him how the dispute was verified and also the source of verification. XXXX advised me that Transunion sent a letter via US Mail to the Bankruptcy Court located in XXXX IL and that the court verified the bankruptcy by letter and mailed it back to Transunion. I told XXXX that it is physically impossible for Transunion to mail a letter out on XXXX/XXXX/XXXX and already have received it back from the bankruptcy court on XXXX/XXXX/XXXX which is less than 24 hours from the time the dispute was entered. He insisted that the letter was sent to the courts and that the courts had verified the bankruptcy. I asked him for the name of the person from the bankruptcy court that had signed the letter and verified the bankruptcy. He said he could not give me that information so I asked for a supervisor. While on hold waiting for a supervisor I called the Bankruptcy Court ( XXXX ) and spoke to XXXX. I asked her if Transunion had requested verification from them or if they had signed a verification letter and sent it back to Transunion, she said that the Bankruptcy Courts do not report or verify information for any of the credit bureaus so Transunion was not being truthful. I then spoke with supervisor XXXX from Transunion and advised him of what the Bankruptcy Courts had just told me and also what the other rep XXXX had said. XXXX then stated that the bankruptcy was verified by a third party vendor but he could not legally tell me who the vendor was. I stated that per the FCRA a Consumer has a right to dispute and also know the source of the data furnisher. He said that he would not release the name of the Vendor. I then advised him that I wanted the name of the individual from the 3rd party vendor as well as the method that was used to verify the bankruptcy and be also refused to give this information. I ended the call with XXXX and I immediately called Transunion back. This time I got a rep named XXXX and I asked him how my Bankruptcy was verified. He stated that a Transunion rep or 3rd party rep for Transunion drive to the Bankruptcy court and verified it with the courts. When I advised him that this was not true, he hung up on me. Transunion is not and has not verified the bankruptcy and are lying over and over again about the source and method of verification which is a violation of the FCRA. Transunion responded back to my CFPB complaint and did not address the issue nor provide name of the third party agency that supposedly verified the bankrupcty
Consumer complaint received 2024-10-13
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)

In accordance with the fair credit act, this creditor XXXX  Has violated my rights under 15 USC 16 8 1 section 602 states. I have the right to privacy 15 USC 1681 section 604 A section 2 also, states consumer reporting agency can not furnish any account without my written instructions Under 15 USC 604 1666, a creditors may not treat a payment on a credit account under a open and consumer credit plan as late for any purposes.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Consumer complaint received 2017-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

THE XXXX LAW GROUP I HAVE PAID THE GARNISHMENT XXXX AT XXXX XXXX XXXX FIVE YEARS LATER SAME OFFICE START GARNISHING MY WAGE AGAIN SAME CASE BUT UNDER DIFFIRENT NO TAKEN 25 % FROM MY PAY CHECK I FILE CLAIM OF EXEMPTION LAST MONTH I RECEVED COURT NOTE REGARDING THE HEARING AT XXXX COURT FOR XXXX/XXXX/XXXX I WENT TO THE COURT I FIND THERS NO CASE AT THIS COURT REGARDING THIS ISSUE I NEED HELP PLEASE I CANT AFFORD TO PAY ANYTHING THIS CAS ALREADY PAID CASE NO XXXX
Consumer complaint received 2024-10-13
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)

XXXX XXXX is being reported as closed on one report but not the other. I only have XXXX XXXX XXXX account. There was fraud on my account so they sent me a new card and closed the other card under the same account. The funds were also refunded and the account was not late. This reflects on the new billing cycle. This is inaccurate. My credit also still shows that XXXX was not removed from XXXX and Experian. As well as the XXXXXXXX XXXX XXXX that should be deleted. This was never my account. I never had a credit card from XXXX XXXX This is also inaccurate and must be removed. The reports that I have attached shows this. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. Attachments
Consumer complaint received 2024-10-13
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)

XXXX XXXX is being reported as closed on one report but not the other. I only have XXXX XXXX XXXX account. There was fraud on my account so they sent me a new card and closed the other card under the same account. The funds were also refunded and the account was not late. This reflects on the new billing cycle. This is inaccurate. My credit also still shows that XXXX was not removed from XXXX and Experian. As well as the XXXX XXXX account that should be deleted. This was never my account. I never had a credit card from XXXX XXXX This is also inaccurate and must be removed. The reports that I have attached shows this. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. Attachments
Consumer complaint received 2024-10-13
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. (GA)

I have file an FTC Complaint, Report # XXXX against XXXX XXXX for fraud. This company continues to place erroneous credit files on my credit file. I have had no business with XXXX XXXX or benefited from the use of a XXXX XXXX credit card. 

The account XXXX does not belong to me. This company only changed the remarks on this account and does not verify the account. I have been provided no proof that I have entered into any contract with this consumer. Stated that you have an address on file for me is not validation. Per the FCRA, this account should be removed immediately. 

Also this account is listed as a charge off account. I have not received a W2 for the amount charged off if this is indeed attached to my credit file. Remove the account or failure to remove account entitles me to compensation per the FCRA.
Consumer complaint received 2024-10-13
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. (IL)

I am sendin

g this letter to advise that there is information on my credit report that is wrong and that needs to be address and under the 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES ( from here on referred to as FCRA ). The first thing that needs to be addressed is the personal information listed on my reports. I have never lived at any of the addresses, and they MUST be removed as they are a part of the fraud accounts and under the FCRA they are to be removed and blocked from 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 XXXX XXXX XXXX XXXX XXXX XXXX I would like to address the account XXXX are FRAUD on my credit report as I have never opened the accounts nor have, I allowed anyone to open the accounts in my name. I have not gained any benefits from the accounts being open. Under section 1681c2. Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. Of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES. The following accounts are to be removed and blocked from my credit report indefinitely due to Identity theft. 
XXXX. XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX Account number XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX BANK Account number XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX. XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
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)

I recently reviewed my credit profile and noticed inaccuracies, incomplete information and also accounts that are UNVERIFIED OR ARE NOT PROPERLY VERIFIED on my credit report. According to the credit report act, section 611 ( 5 ) ( A ) of the FCRA those credit bureau are required to promptly DELETE all information that is inaccurate, incomplete and which can not be verified. They also violated 15 US code 1681 section 602 ( A ) section 2, and 15 US code 1681i5. I disputed several times those inaccuracies with those 3 credits bureau, and requested an update of my credit report. NOTHING HAD BEEN DONE. 
THOSE 3 CREDIT BUREAUS KEEP VIOLATING THE FCRA and FDCPA LAWS By failing to do proper investigation during a dispute, and also always refused to provide the steps of their investigation. 
IT'S SEEMS LIKE KEEPING NEGATIVE UNVERIFIED CREDIT INFORMATION ON THE CONSUMER REPORT IS THE WAY FOR XXXX, EXPERIAN, XXXX TO MAKE MONEY. 
THIS IS A VIOLATION.
Consumer complaint received 2024-10-13
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 am writing to once again address a long-standing issue with an incorrect account that continues to appear on my credit report. Despite my repeated efforts to have this matter resolved, Experian has refused to delete the account in question. As a consumer, I am fully aware that you have a responsibility to ensure accurate and fair reporting across all credit bureaus. This particular account, which is not mine, remains the sole negative entry on my credit report, while the other XXXX major bureaus reflect no such account. 

This situation is causing significant financial harm, stress, and frustration. I have repeatedly informed Experian that this account does not belong to me, yet no corrective action has been taken. When I requested validation of the debt, the only response I received was a series of account statements. Statements do not constitute proper debt validation, as validation and verification are distinct legal requirements under consumer protection laws. 

I am attaching all relevant documentation, including evidence showing that XXXX XXXX has already submitted that the account has been deleted. Despite this, the account continues to appear on my Experian report, which is both perplexing and unjust. 

I urge Experian to take immediate action to remove this account from my credit report. If this matter is not resolved promptly, I will be left with no choice but to pursue further remedies through external channels.
Consumer complaint received 2024-10-13
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. (OH)

I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report. 
Disputed Inquiries :
Consumer complaint received 2024-10-13
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)

XXXX XXXX and XXXX XXXX are harass, conceal information, use abusive tactics, and communicate with me after demand to cease and desist. I have filed complaint with them before several times. I recently filed complaint with the XXXX. I will continue to file disputes, complaints and claims due to their unethical, deceptive business practices. Please address this matter
Consumer complaint received 2017-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NC)

On XXXX XXXX XXXX, the representative at Wells Fargo in XXXX XXXX treated my mother and I in a very unprofessional manner. My parents tried to get me access to their safety deposit box in order to run errands for them, but I was denied access to the safe area due to my age ( XXXX ). The other managers at this specific branch allow me to accompany my parents into the private room next to the locker. Today this woman made a big deal about me going into the private room that was right next to the locker. There is another room further away from the vault containing safe deposit box, and my mother asked if we could go in there if the woman does not want me near the other safety deposit boxes. The woman denied us from taking our box from that certain area. She later told us there is a printable form that needs to be filled out in order for me to even accompany her into the corner room. Then when my mom requested for this form, another teller told her that a written consent would work too. The problem was not with the form, but instead it was with her attitude towards us when I tried to go into the private room near the safety deposit boxes. She humiliated us in front of other employees and customers. Me helping my parents put items into the safety deposit box once it is in a room had never been a problem before until now. We had a couple more transactions to do, but we left the branch in haste due to her attitude towards us. She made it an unwelcoming and hostile environment.
Consumer complaint received 2024-10-12
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. (TX)

I recently checked my credit report and noticed all these inquiries on my report. I did not authorize any inquiries into my credit report. 
The inaccurate information mentioned above is negatively impacting my XXXX XXXX and financial standing. 
I kindly request that you investigate this matter promptly and remove the inaccurate information from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-12
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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-13
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

.My name is XXXX XXXX XXXX XXXX i have 2 credit card accounts that's hurting my consumer report XXXX XXXX XXXX XXXX XXXX XXXX that i paid on time and shouldn't be reporting late or closed as a late account that's a violation of 15 U.S. Code 1666b - Timng of payment i have a car loan that is reporting that's not mines ( XXXX XXXX XXXX XXXX and the account is not related to me the financial institution violated as well as the consumer reporting agencies 15 U.S. Code 6802 - obligations with respect to disclosures of personal Information, they also broken 15 U.S. Code 1681b - Permissible purposes i never signed no documents stating this inaccurate information can be reported i never not disclosing letters. I have the right to Sue and take legal actions for defamation of character, but i did file my FTC report and the law 15 U.S. Code 1681c-2 - blockage of information by filing my FTC report within 4 days the information on the credit cards should be deleted off my consumer report or updated as paid both credit cards XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on time 100 % or delete them both off my consumer report. The law states 15 U.S. Code 6805 Enforcement - that the CFPB is required and Authorize to make them uphold the law and remove the negative items that is not mines & reporting