davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (SC)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-09
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: WELLS FARGO & COMPANY (FL)

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX WFBNA AUTO XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX WFBNA CARD XX/XX/XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX WFBNA CARD XX/XX/XXXX
Consumer complaint received 2024-10-12
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Credit Bureau XXXX I recently XXXX XXXX copy of my credit report and noticed multiple hard inquiries that I do not recognize nor authorize. As I have not applied for credit or consented to these inquiries, I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I do not recall initiating any credit applications or transactions that would justify these inquiries. Please remove these unauthorized inquiries from my credit report as soon as possible. 

Under the FCRA ( XXXX XXXX. XXXX ), a hard inquiry can only be listed on a credit report if it was initiated by the consumers request for credit. I am formally disputing these inquiries and demand that they be removed immediately. 

Thank you for your prompt attention to this matter. Please send me confirmation once the investigation and removal are complete. 

Sincerely, XXXX XXXX XXXX
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. (UT)

I reviewed my credit report, and I noticed several inquiries that I do not recognize. The details are as follows : XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian
Consumer complaint received 2024-10-12
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it XXXX concern, I recently obtained a copy of my credit report and am writing to dispute the following information that appears on my reports from XXXX, XXXX, and Experian. Please verify or remove the following accounts immediately : XXXX XXXX XXXX Account Type : Auto Loan ( Installment ) Account Status : Closed Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Experian ) Current Balance : {$8100.00} Payment History Issues : Repossession, XXXX days late I dispute the accuracy of this account, particularly the reported repossession and payment details. Please investigate and remove any inaccurate information that can not be verified. 

XXXX XXXX Account Type : Auto Loan ( Installment ) Account Status : Closed Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Experian ) Current Balance : {$15000.00} ( XXXX ), {$16000.00} ( XXXX and Experian ) Payment History Issues : Repossession, missed payments, charge-off I dispute the balance and the payment history reflected in this account. Please verify or remove any inaccurate information. 

XXXX XXXX XXXX Account XXXX : Charged off I do not recognize this lender or account. This account was charged off and reported on taxes, yet I have not received a XXXX form. Please remove this inaccurate information from my report. 

XXXX XXXXXXXX XXXX Account XXXX : Unknown I do not recognize this lender or account. Please remove this inaccurate information from my credit report. 

Additionally, I dispute the following hard inquiries as unauthorized or inaccurate. Please delete them from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX on XX/XX/XXXX I do not recognize these inquiries or recall authorizing them. Furthermore, I never received a product or service related to these inquiries. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I demand that these items be investigated and removed if they can not be verified. I understand that you are required to complete the reinvestigation within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
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: NAVY FEDERAL CREDIT UNION (NC)

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXX Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Consumer complaint received 2017-12-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (UT)

Refinancing mortgage ... on XX/XX/XXXXwe closed on our loan with XXXX XXXX XXXX in XXXX XXXX Utah. they recieved pay off amount of {$130000.00} from XXXX XXXX XXXX in Virginia the money funded on Monday XX/XX/XXXX at witch time XXXX XXXX XXXX notified me that they changed the amount to {$140000.00} and said there had been a typing error at witch time we were responsible for the difference the loan had been finalized and could not be changed with no apology from either company had been given. now at XXXX time a heavy financial burden has been placed upon me and my family do not feel at this time justice was in my favor.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I recently disputed inaccurate addresses under my personal information on my Experian credit report. The next day, I received an email stating that my dispute results were ready. However, upon reviewing the results, I noticed that the dispute addressed and removed addresses I never submitted for dispute. This raised concerns that Experian may be altering my credit file in ways I am not aware of, potentially withholding or inaccurately reporting other information.

This unexpected removal of addresses I did not recognize as disputed is alarming, as it suggests that there may be additional inaccuracies or omissions in my file. Given this, I am requesting my full credit file under FCRA Section 609, including all historical data and any information shared with third parties, to verify that my credit information is being accurately maintained.

I also believe that Experians failure to provide accurate dispute results may reflect a violation of the FCRA by not conducting a reasonable investigation or providing complete information.
Consumer complaint received 2023-09-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (MI)

Sallie Mae has been calling my co-signer 's place of work and leaving personal finance information. I called Sallie Mae on XX/XX/XXXX  and requested they stop calling that office, and even provided updated contact information. They have continued to call her office, and it has now put her at risk for termination because it is disrupting the work place. Sallie Mae also calls my co-signer 's husband 's cell phone, threatening to take money from his bank. He is not on the loan ( s ) at all. Sallie Mae also called me and my cosigner more than 7 times in 7 days, using multiple numbers. When I agreed to a payment plan, there was a pending transaction in my bank on XX/XX/, but the transaction fell off and nothing went through. I confirmed with my bank that if they showed up as a pending transaction, then they could charge my checking account. Instead, Sallie Mae backed out of the transaction before the XX/XX/XXXX  due date, did NOT call me, then later, in XXXX, said the banking account zip code was incorrect, and they were disqualifying me from the repayment program. On XX/XX/XXXX  I received an email late in the day saying there was an issue with payment, but I did not get a call or other correspondence, even though I set up the payment by phone with their agents before XX/XX/. I also scheduled 2 additional payments, showing I was committed to the payment plan. Last time I spoke to Sallie Mae on XX/XX/, they offered a settlement around {$25000.00} which I can not afford ; their second resolution offer included a {$7000.00} down payment, reducing my interest rate to 0 %, and allowing a payment less than {$200.00} per month. I am willing to do a payment plan for less than {$200.00} per month, 0 % loan interest, and {$0.00} down payment.
Consumer complaint received 2023-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Last week I received a letter from XXXX XXXX XXXX XXXX stating that they are a debt collector trying to collect a debt that I allegedly owe LVNV Funding LLC.

I do not owe LVNV Funding LLC anything. I have never had any contract with or obligation to them. I dispute the entirety of the alleged debt. This is my formal notice to them to cease and desist all contact with me ( including spouse and family members ) from all sources other than the US Postal Services and that is if and only if, it is : 1 ) To provide documentation that validates the alleged debt, which should include all official, certified, unredacted documents, including all forward flow agreements, as well as the alleged original creditor information 2 ) To provide proof that I have any legal obligation to pay you or LVNV 3 ) To inform me that you have zeroed this alleged debt and disassociated it from me 4 ) To inform me that you have removed all references to the alleged debts account number from all credit reporting agencies and that you have informed them to delete the same 5 ) To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector and/or 6 ) To inform me that you have issued settlement funds for violations for actual, civil, and/or statutory damages in an amount that is to be determined.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past,
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXXXXXX  According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (AL)

XXXX Of XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - **Correct Social Security Number** : XXXX - **Correct Address** : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (CO)

On XX/XX/2023 I initiated an external transfer to withdraw funds in the amount of {$1100.00} from my Chase Checking account and deposit into my XXXX Checking account, using XXXX XXXX Banking. Fiserv is the third party company managing external transfers for XXXX Bank. 

On XX/XX/2023, the withdraw was posted to the XXXX account and the funds were gone. On XX/XX/2023, the remainder of the funds were withdrawn from XXXX and my accounts were closed ( no issues with these funds ). 

On XX/XX/2023, XXXX rejected the deposit as the checking account was on hold pending identification verification. 

On XX/XX/2023, Fiserv, XXXX XXXX  's external transfer third party sent the funds back to XXXX Bank. 

XXXX confirms these funds tried to return to XXXX on XX/XX/2023, but were automatically rejected due to the account being closed. 

It is XXXX 's stance that the funds on XX/XX/2023 were then returned to XXXX XXXX. XXXX XXXX  has never received the funds and both banks have conducted investigations, both ultimately saying the other bank is responsible. 

It is XXXX XXXX  's stance that the funds on XX/XX/2023, were not sent back to XXXX, but instead sent to Fiserv, and it is XXXX 's responsibility to recall the funds from Fiserv. 

XXXX XXXX  has contacted Fiserv and confirmed all of this information, but XXXX XXXX  has not. 

XXXX XXXX  says they have exhausted all options and XXXX needs to fix the situation. 

It is XXXX 's understanding that Fiserv is holding the funds or has sent them back to XXXX XXXX, but XXXX has no record of the funds after XX/XX/XXXX. XXXX has no record of the funds at all.