davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (TX)

XXXX XXXX XXXX is reporting a collection on my file that is not mine. I have been disputing this for months with the bureaus and have received 0 information on this account and no validation or removal. I have filed an Identity Theft report for this account. I do not recognize the company XXXX XXXX XXXX. I have never had an account with them as I do not know what they even offer. 
Please remove this immediately as it is severely affecting my credit file and caused personal distress.
Consumer complaint received 2024-10-02
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. (ND)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year>, I mailed a formal dispute letter to Experian via XXXX mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I requested a thorough investigation into inaccurate and outdated negative items on my credit report, including a bankruptcy. To verify my identity, I included a copy of my government-issued photo ID, Social Security card , and a recent utility bill showing my current address.

Despite providing all the necessary documentation to confirm my identity, Experian has refused to conduct a reasonable investigation into the disputed information, as required by the Fair Credit Reporting Act ( FCRA ). Instead of investigating my dispute as mandated by law, I received an email from Experian on XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' Under the FCRA, credit reporting agencies are obligated to conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any information on their credit report. Experian 's refusal to investigate my dispute is a violation of my consumer rights, and as a result, inaccurate and unverifiable informationincluding negative accounts and a bankruptcyremain on my credit report.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Experian will not allow access to my account or provide any way for me to lift my credit freeze or contact a human. They force you to purchase a product of theirs before you can access anything in your account ( and I'm not even sure if you can after, as I've never purchased it ). How is this legal? Tried the app, which requires you to enter a code sent to your phone in order to log in... but they never send the code ( tried multiple times over multiple days ). 

Please fix this massive issue. Consumers should be able to access their accounts and manage freezes.
Consumer complaint received 2024-10-02
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. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year>XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and haro inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-02
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. (FL)

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Someone wrote a bad check in my father 's name to a company called XXXX XXXX XXXX. By me being a " XXXX '' the company reported the discrepancy on my credit. I DO N'T DRIVE!! I do n't even have a car. I talked to the reporting company but they wo n't do anything to help me. How can I get this resolved? I 'm in the process of repairing my credit. I know I have debts that are my doings but this is not one of them. Thank you.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (MD)

I am writing to formally dispute an entry on my XXXX report that I believe is inaccurate and has been incorrectly reported by M & T Bank. 

On XX/XX/XXXX, I attempted to open a Trust Account at XXXX XXXX XXXX XXXX, only to discover that there was an outstanding balance of {$160.00} reported by M & T Bank from XXXX. I was unaware of this account or any associated charges and was surprised to learn that it was listed as an unpaid obligation on my XXXX report. 

Upon further investigation, I contacted M & T Bank, where a representative informed me that the charge had passed the statute of limitations for collection, and as such, M & T Bank would be removing it from their internal records. However, despite M & T Banks acknowledgment that they will void the charge in their system, the negative entry remains on my XXXX report. 

I am perplexed by this situation, as M & T Bank has confirmed that they will no longer pursue collection of this debt, and the amount in question is no longer collectible due to the statute of limitations. Despite this, XXXX continues to reflect this erroneous charge, which is preventing me from opening an account at XXXX XXXX XXXX XXXX. 

To resolve this matter, I respectfully request that XXXX update my report to reflect the accurate status of this charge, as confirmed by M & T Bank. I am also requesting that XXXX remove this negative entry from my report, as it was reported in error, and my conversation with M & T Bank that supports my claim. 

Please review this information and have XXXX XXXX update my report accordingly. 

I appreciate your prompt attention to this matter and look forward to its swift resolution. Should you need further clarification, I am happy to provide it. 

Thank you for your time and assistance in advance.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (IL)

Used an ATM of XXXX All points, on XX/XX/year> between XXXX and XXXX XXXX, punched in the amount of XXXX dollars, on first transaction, waited for funding to tumble out machine, didn't hear cash come out ATM and the funding was retracted back into the Machine, I needed the funding badly so I made a second transaction for the same amount of XXXX dollars which I was able to retrieved quickly, looked for phone number on ATM and it was not present to report the first transaction that had been retracted back into the machine for the same amount, asked the security guard present in XXXX XXXX the machine was located was the machine malfunctioning because my cash had been drawn back into machine, I was told to call my bank, which is XXXX Bank XXXX I did and filed my issue with them, I still have not received any refund from Citibank XXXX, I then filed an appeal on my behalf with XXXX Bank XXXX and has been over 2 months waiting for the issue to be the resolved, I uploaded my receipts also to XXXX for XXXX of the amount that was debited from account, which are still posted in my transaction statement currently, I don't know what proof Citibank XXXX from XXXX Bank XXXX receive my refund from the first initial transaction or statues of limitations or policies on such matters, I don't know if its miscommunication between both banks, but I'm still stuck without my refund of my XXXX dollars, I can desperately use. Please help!
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have previously disputed this account with Equifax. These bureaus continue to report an account on my credit report that is indeed not mine. See attached documentation. I submitted a dispute to the company and they sent the attached documentation that reflects the patients name. This account is not mine and therefore, it should not be reflected on my report. Delete immediately.
Consumer complaint received 2024-10-02
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. (NJ)

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-14
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I opened a USAA credit card in XXXX under my former last name of XXXX XXXX XXXX. I closed this credit card around XXXX and haven't thought about that particular credit card for the past XXXX  years. About XXXX months ago, I was contacted by a collection agency for {$XXXX} worth of charges and late fees. The charges were made during the summer of XXXX! This was obviously fraud. I have spoken to USAA by phone on at least XXXX different occasions and they have no interest in resolving this for me. Every time they send it to their fraud investigation unit, " No fraud found '' is what they determine each time! They say that they came to the conclusion that there was " no fraud found '' because I didn't report the unauthorized charges within a couple of months of them happening. I couldn't report the charges because I didn't know they occurred, as I closed that card XXXX  years ago. Once again, I have spoken with XXXX  at least XXXX times and they have no desire to resolve this issue.
Consumer complaint received 2015-07-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have a foreclosure sale date for XXXX XXXX, 2015, My lender Wells Fargo Bank received myloan Modification package on XXXX XXXX, 2015. On XXXX/XXXX/2015 I called Wells Fargo about the status of my application because they had not contacted me. The representative stated they had received the package on XX/XX/XXXX, according to my fax submission sheet which clearly states XX/XX/XXXX and I have a fax receipt. Wells Fargo then requested another utility bill which was reoccurring monthly, they had previously received my light bill ( see attached ) Wells Fargo also requested a letter of explanation regarding my reimbursement expenses claim ( see attached ) they also requested that n/a be placed in the box which was missed on page XXXX. All of the requested items were sent to Wells Fargo, on XX/XX/XXXX, XXXX, & XX/XX/XXXX. Wells Fargo then called me back and requested information that was listed on the RMA, what I pay in gas, food, insurance etc. this is a direct violation of the court order of Class Representatives Motion to Enforce Settlement Agreement XXXX where the court ruled in favor of the Plaintiffs that Wells Fargo 's Income Screening is Inconsistent with HAMP and ordered them to stop said practice. I have never received a loan modification from Wells Fargo Bank, when I lost my job I was given a forbearance agreement where I paid a portion of my mortgage payment. Wells Fargo is not cooperating in my efforts to save my home in fact, they are requesting additional information that they already have or which is not germane in making a decision regarding my loan modification.
Consumer complaint received 2024-11-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (CO)

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX located in XXXX XXXX CO is currently under investigation by XXXX XXXX XXXX XXXX for XXXX civil/disability discrimination complaint. Prior to HUD taking action on my behalf, I was a long-time tenant at XXXX XXXX XXXX which my tenancy ended XX/XX/XXXX after providing a 30 day notice pursuant to my month to month lease agreement. At that time, XXXX was aware of a medical condition adversely impacting my ability to pay rent on time. XXXX, XXXX XXXX - XXXX XXXX- indicated to me she did not want to send my account to collections as she knew it would hurt my credit. However, that is what she did. After paying my outstanding balance for many months, XXXX verified my current balance owed was {$2700.00}. I filed a complaint as advised by legal counsel I may want to do to preserve my right to address a discrimination complaint. After I filed this complaint, XXXX XXXX submitted an over-inflated balance to collections for almost double this amount. The collection company placed this on my credit report which adversely impacted my ability to secure new housing. I contacted the collections company, Carter Young within a few days after receiving a collections letter from them that stated if the amount is disputed by XX/XX/XXXX, which it was, they would cease reporting collections activity. They did not follow this promise. Instead, they continued to report the wrong amount. I contacted them again recently and was told to update my portal with this information that the debt amount was not correct. Carter Young has yet to address this and the wrong amount remains in collections and is continuing to hurt my credit score.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

To whom it may concern, Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me with a statement 21 days before, so there should be no late payments on this account. I demand hard solid proof from the creditor bank account that I didn't pay and was marked late because this is a billing error. The items below should all be updated to be paid as agreed upon in my consumer report. 

XXXXXXXX XXXX Account XXXX You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission. Your immediate attention to this matter is expected.
Consumer complaint received 2024-10-02
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. (PR)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX