davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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. (AL)

I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy ; ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general 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.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance if the validation of debt request isn't completed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have the creditor provide the validation documents to the CFPB as well as certified mail to me. It's extremely important that the creditor provide the documents to CFPB to ensure fairness and that they are not brushing me off. Thank you for your assistance.
Consumer complaint received 2024-06-04
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. (GA)

I requested on XX/XX/year> that Experian remove inaccurate information from my credit report. 
There are several credit inquiries that I did not authorize that need to be removed. They sent me a response via email stating that these inquiries would not be removed even though I did not make them. 

I requested that they remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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. (IN)

Your company 's response to my dispute has raised concerns about the thoroughness of the investigation conducted. Regrettably, the inquiries in question have not been adequately investigated, nor have you provided substantiated proof indicating their authorization by me. 
Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), it is explicitly stated that a failure to investigate these matters within 30 days warrants the immediate removal of such items from my credit report. Given that more than 30 days have passed without an updated status or resolution, this situation constitutes a clear violation of the FCRA. 
I insist on the immediate removal of these inquiries from my credit report to align with the requirements of federal law. Additionally, I have enclosed a copy of the FTC report, which contains these fraudulent inquiries, for your reference, emphasizing the urgency of addressing this matter promptly.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ, XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-08-07
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. (LA)

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. In spite of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with a typical life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening quickly. I compassionately demand that you lead a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the precision and uprightness of my credit document so I might recapture command over my monetary prosperity. I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-02-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

XXXX - Spousal Loan Application with ex-spouse Ex-spouse student loans ( I pay due to being primary on loan ) XXXX XXXX paper application received XX/XX/2021 for both parties XXXX XXXX Confirmation of receipt received from both parties. 

Numerous inquiries calls - Ex-spouse application not applied to my account Assured process would apply and told to KEEP WAITING. 
Created inquiries, spoke to Mohela supervisors -no information or clear indication why not approved. 

Took 2 years to receive reason for denial on ex-spouse application on a loan I am responsible for. 

My complaint XXXX. The original application does not show how date should be writte. ( The current application does. 
XXXX. A date was indicated and clearly showed the work time line was almost 20 years. 
XXXX. A California state employee representative confirmed and verified the date and also left an email and phone number to verify that my ex-spouse was a state employee, XXXX. 2 years to receive a denial for XXXX with a reason. No expedited recourse just try again- knowing this type of loan is not easy to resubmit. 
XXXX. New application sent with correct date format, and his employers signature again. 
XXXX. I do not want to wait 2 years to receive a response and should not be put back to end of line. 

Both my ex-spouse and I have XXXX years of public service and the handling of this case has been discouraging and financially stressful. 
Since their response I am forced to resume payments on his loan.
Consumer complaint received 2024-06-04
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. (NC)

I value Credit Bureaus help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I want to make this clear to Credit Bureaus that my Only Name is XXXX XXXX XXXX and my Home Address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, NC XXXX. 
The following Inaccurate Information listed below must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX, the following Items must be deleted XXXX XXXX XXXX Balance : {$110.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

Re : Wells Fargo Bank Fraudulent Transfer of Savings Funds On XX/XX/XXXX, Wells Fargo Bank processed an unauthorized fraudulent Wire Transfer of {$25000.00} out of my Savings Account and sent the funds to a personal account at XXXX XXXX I reported this transfer directly to XXXX  by phone and in person. I was advised that the XXXX  Fraud Detection department would conduct an investigation to recover my funds. Unfortunately, WFB failed to recover my funds from XXXX XXXX 
Please take note that on XX/XX/XXXX, I made contact with XXXX XXXX  by phone at ( XXXX ) XXXX, and over the next 4 weeks managed to talk directly with " XXXX '' in loans and he looked up the account where the subject funds were sent and reported that it had been tagged as having suspicious activity. The wired funds were on hold in that account. 
Through further discussions with the XXXX XXXX Security Department, I was advised that they could initiate recovery and return of my funds when Wells Fargo Bank would sign and send a Hold Harmless Letter and Letter of Indemnity to XXXX. They asked that WFB send the completed letters to XXXX. The team of Account Managers at XXXX are available to answer questions and provide assistance at XXXX from XXXX XXXX to XXXX XXXX weekdays. ( the XXXX file information is noted under XXXX Case # XXXX Dated XX/XX/XXXX. ) Wells Fargo was informed directly through their downtown XXXX Main Office and all copies of the XXXX correspondence and Wire Transfer documentation was faxed to their XXXX XXXX XXXX XXXX at XXXX by XXXX XXXX, Manager - XXXX XXXX under the file Case # XXXX on XX/XX/XXXX. 
There was no request or inquiry from Wells Fargo recorded on XXXX 's Fraud Report ticket of # XXXX. It is important to note that the subject fraudulent Wire Transfer was accomplished without use of my WFB confidential verbal password which was in effect at the time of the transaction.
Consumer complaint received 2024-08-07
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. (NJ)

Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2024-06-29
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 a 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 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-04
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)

This account was charged off on the following date ( XXXXXXXX XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
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. (NC)

Recently checking my credit report i noticed that ive been a victim of identity theft and found numerous credit inquiries i have no knowledge of, here are the inquiries that ive found : XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XX/XX/year>, please remove these fraudulent inquiries from my credit report. i also attached my identity theft report as well.
Consumer complaint received 2024-08-07
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. (CA)

I am writing to formally request the removal of unauthorized inquiries on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) due to identity theft. I have discovered several inquiries on my credit report that were made without my authorization, and I believe these inquiries were a result of identity theft. 

The specific details of the unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), victims of identity theft can request that credit reporting agencies block information resulting from identity theft. This section of the FCRA mandates that consumer reporting agencies must block the reporting of any information in a consumers file that the consumer identifies as information that resulted from an alleged identity theft. Furthermore, Section 611 ( 15 U.S. Code 1681i ) of the FCRA provides the right to dispute inaccurate information on credit reports. Under this provision, credit reporting agencies are required to investigate and correct any inaccuracies found in a consumer 's credit report.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (NJ)

I have been a dedicated and responsible customer since opening my unsecured loan account ( account number XXXX ) with Upgrade Inc. on XX/XX/2024. Unfortunately, I encountered a one-time financial hardship that resulted in a late payment in XX/XX/2024. This isolated incident does not reflect my usual payment behavior, as I have consistently made timely payments before and after this instance. I am requesting a goodwill adjustment to remove the late payment mark from my credit report.
Consumer complaint received 2024-06-04
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)

XXXX Account Number- XXXX I recently reviewed my credit report and noticed that it was not reporting accurately. I never even used this credit card. The consumer reporting agencies need to report all information with complete accuracy. This account has never been because I never used it at all. I'm now requesting you investigate this account and update to paid /never late or just delete this account from my credit report immediately. thank you for your under standing and prompt action
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX sold my loan to XXXX on XX/XX/year>. XXXXXXXX XXXX officially took over the loan XX/XX/year>. During the transfer period, XXXX XXXX declared that I missed my XXXX ( XX/XX/year> ) mortgage payment ( even though they have record of my payment ) because they increased the amount due in escrow, and my automatic payment was for a lesser total amount. 

During the XXXX transfer of my loan, I was not able to pay XXXX XXXX the amount owed to escrow to supplement my XXXX payment. I also did not have an ability to pay XXXX as they had not set up my loan yet, it was still pending ( XX/XX/year> ). I was not told when the transfer to XXXX would complete. I was told not to do anything about this supplemental escrow amount by the customer service reps at XXXX XXXX as they said it would all work itself out in the transfer process and that it would not affect my credit. 

I wish to dispute this claim that I missed my XXXX payment, as I have record it was paid but not applied, and I had no mechanism to supplement the additional escrow. I can not dispute this claim however. 

When I call all of the phone numbers listed online for XXXX XXXX customer service, I get the same automated recording that asks me to give either my SSN or my Loan #, both of which result with the same response : " Your loan has been transferred to another lender, contact them. Goodbye. '' I can not get anyone on the phone to dispute this charge. I believe I, as a previous client of this lender, should be able to speak to someone to clarify this issue. I believe they are acting in bad faith with their lack of response to me to clarify a nuanced issue and the result is adversely affecting my credit report with lending agencies.
Consumer complaint received 2024-06-28
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. (FL)

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