davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (MD)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Direct violation of FCRA by reporting inaccurately to Credit reporting agency. Account listed as Charge off/Written off and reflecting as amount owed when being converted to income with IRS by being written off. No forms have been delivered to me.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Well Fargo bank in XXXX XXXX ca. closed my account even though I complied with there request for my resident address. 

I received a notice stating there was a compliance problem with the address on file ( even though I have been with the bank for number of years ). They said that account would be closed if I did not do so I made an appointment with the bank, give them the corrected address and they entered it into the computer. They said all was well I received another letter a week later stating the same thing. So, I made another appointment and went back to the bank. They apologized and said was entered incorrectly. So, I gave them the same information and they said that it was correct and that all was well. 

Then a few days later I logged into my account and my account had been closed. 

I had direct deposits from XXXX, XXXX and my pension check. 

Now I do not know where my direct deposits are or how I can retrieve them. 

I am on a fixed income and this puts me at risk of being displaced, because I can not pay my rent. It has caused me a great amount of anxiety. As a senior citizen it been extremely difficult to say the least
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Previously filed a complaint due to in accuracy on credit report.


Company has still failed to report accurate information regarding payment statuses on this account. Previously did not pro
vide validation of debt within 30 days as required.

I am asking due to the violation of the fair credit reporting act that this account will be deleted as it is not reflecting, accurate statuses.

Creditor has had numerous times to get this correct even under a complaint through the CFPB and has still failed to do so.

Not only was I sold a lemon by this company, but was not even able to return it when I requested to within what they call a grace period that I was told did not exist at the time.

Regardless of them selling me a lemon it is not right that they are not abiding by the current fair credit reporting act.

They have had numerous times to get this account corrected and have failed to do so.

With that being said, I am requesting the account be permanently deleted off my credit report to avoid any legal action.

The creditor must also provide a free copy of the updated report. Which did not happen previously.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-20
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. (NE)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-20
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX **XXXX XXXX  XXXX XXXX ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) Dear CFPB Representative, I am writing to formally lodge a complaint regarding my ongoing issue with Experian Money Checking. My account, ending in XXXX, was temporarily suspended following a transaction I made, which triggered a fraud dispute. Experian requested that I submit a written statement verifying my last payment, which I have done on XXXX separate occasions. 

Despite complying with their requests and providing the necessary documentation, my account remains suspended. This has resulted in significant financial hardship, as I have been unable to access my funds for an extended period. Due to the delay in XXXX review and resolution process, I have missed rent payments and am now facing a financial crisis. 

I have contacted Experian multiple times, explaining the urgency of the situation, but I have not received any meaningful updates or resolution. The lack of response and continued suspension of my account has caused me to incur additional financial strain, and I am now seeking assistance from the CFPB to resolve this matter. 

I request that the CFPB investigate this issue and take appropriate action to ensure that Experian Money Checking promptly reviews my statements and unsuspends my account. 

Please find attached any relevant documentation related to the fraud dispute, my communications with Experian, and the impact this has had on my financial situation. 

Thank you for your time and consideration. I look forward to your prompt assistance in this matter. 

Sincerely, **Jamarice Archer**
Consumer complaint received 2024-09-06
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-20
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. (CA)

I am writing to formally request a method of verification ( MOV ) regarding the items disputed in my initial complaint filed with the Consumer Financial Protection Bureau ( CFPB ), specifically those that you responded to as " verified '' in your investigation. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting that you conduct a reinvestigation of the disputed items as you are required by law to either : 1. **Provide me with the name and contact information of the entity or individual who provided the information you used to verify these items** ; 2. **Delete any items that can not be verified through proper documentation as required under the FCRA. ** Please understand that if the sources you used to verify these items can not be clearly identified and contacted, you are legally obligated to remove the information from my credit report. If the original sources are no longer available, or if they can not provide sufficient evidence of the information reported, the disputed items must be deleted from my credit report in accordance with FCRA regulations. 

For clarity, the disputed items that require reinvestigation are the same items identified in the original CFPB complaint. I have enclosed the relevant information for your reference, including a copy of my initial CFPB complaint and the items in question. 

Please respond to this request within the time frame established by the FCRA ( 30 days from the receipt of this letter ), and provide me with either verification or confirmation of the deletion of these disputed items. Should these items remain unverifiable or inaccurately reported, I will consider further actions under my rights through the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-09-20
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)

The credit bureaus has failed to remove fraudulent accounts from my credit report.. I am now submitting a police report, which confirms that these accounts do not belong to me. The following accounts were previously verified but should be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the credit bureaus review the police report and remove these accounts from my credit file immediately.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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. 

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!
Consumer complaint received 2024-09-20
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)

IM A VICTIM OF IDENTITY THEFT PURSUANT, TO FEDERAL LAW SECTION 605B FRAUD MUST BE BLOCKED AND REMOVED. LISTED ON THE ATTACHED PAPERWORK ARE FRAUDULENT INQUIRIES AND ADDRESSES. PLEASE READ IN DETAIL MY FTC REPORT.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 2024-10-10
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. (RI)

I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documenta on you may request from me in relation to this dispute. Upon reviewing my credit report, I have identified the following unauthorized inquiries :
Consumer complaint received 2024-09-20
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. (PA)

The credit bureaus are reporting an incorrect auto loan charge-off from XXXX XXXX. My co signer owns my vehicle free and clear, and I have the title to prove it. I request that the credit bureaus review the title documentation and promptly delete this inaccurate account from my credit reports.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details from my credit report.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (FL)

Company : Moneylion XX/XX/year> I received a text that I did not know that time that it was a scam. The context of the message quoted " We've detected abnormal activity on your MoneyLion account that could violate our User RulesXXXX XXXX XXXX XXXX XXXX. I clicked on the link and ask me to log in. I put in my username and password then signed in then it shows the message that my account was locked. But when I open my banking app and I can access it. XX/XX/year> I saw an unauthorized charged of {$610.00} on my account and a XXXX XXXX loan of {$1000.00} was applied to my account. I contact them to file a dispute, they said they will investigate what happened. I waited weeks and They said they can't find no error on that unauthorized transaction. I contact them to reopened the dispute, they asked for any other informations that I can provide. I send them screenshots of the text messages that I keep receiving, and screenshot of what it shows me when I clicked on the link. ( I keep receiving this text that have the company 's name and logo on it. Dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). That's all the information that I can provide since it's fraud i don't know any information about it. 
XX/XX/year> I received an email that the load requests made XX/XX/year> were unauthorized therefore they voided the loan. I don't understand how can they find the loan unauthorized but my dispute has no error. It happen the same day reported it the next day. It's frustating and giving me so much stress. If it's only {$100.00} I'll let go of it but I'm disputing {$610.00} and I needed that money.
Consumer complaint received 2024-09-20
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)

Account has been satisfied and the creditor is going to remove the account from my credit. Due to time, the creditor said that they have no control over how long itll take the bureaus to remove the debt. The creditor sent me the deletion letter, but Im in the midst of buying a house and need this deleted from my account asap, not up to 90 days later. 

Please remove the attached account from my credit immediately
Consumer complaint received 2024-10-09
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. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-26
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 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 605B of the Fair Credit Reporting Act.