davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history.
Consumer complaint received 2024-07-15
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)

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 
ACCT : XXXX DATE OPEN : XX/XX/year> BALANCE : {$1300.00} 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 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 2024-07-15
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: SYNCHRONY FINANCIAL (CA)

Someone opened a credit card in my name in FL ( I live in California ) Synchrony Bank XXXX XXXX XXXX XXXX ) There is a balance they want me to pay I have disputed this account 3 times and they keep denying claims I had no knoweldge of this account until it showed up on my credit report
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Undisputed amount billed between XXXX XXXX and I for enrollment and last month membership fees. Errors in billing generated retroactive payments made to XXXX XXXX that weren't originally billed, i.e. past billing statements for checking account were stolen and replaced. Vendor was immediately contacted and brought forward financial documents in support of our agreement, contradicting what the bank had installed. Ongoing fraudulent activity is still not discussed and this is just another activity in which the bank is not quickly resolving the issue but forces me to participate in order to correct my financial accounts. I suspect other similar activity and have experienced other similar activity in the past.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Bank has charged my checking account for SEVEN ( 7 ) overdraft fees totaling an ASTOUNDING {$230.00}! 

I am an XXXX XXXX XXXX man with LIFE THREATENING medical conditions. My beloved wife XXXX and I XXXX XXXX on Social Security! 

Wells Fargo Bank denies me access to my checking account online because I do not have a mobile phone and I have repeatedly told them THAT! 

I can not at my very advanced age just pop over to the XXXX branch! 

No one from Wells Fargo Bank nor XXXX in the XXXX branch with whom I have transacted bank business many times called. I have also repeatedly told him I DO NOT HAVE A MOBILE PHONE! 

Either these astounding charges are removed or I can not afford MEDICINE and FOOD! 
Period! 

To repeat, it is patently unfair of Wells Fargo Bank to be charging me thus when it denies me access online to my checking account because it foolishly demands I have a mobile phone which repeatedly I have told them my beloved wife XXXX and I DO NOT HAVE AT ALL! 

ONE OVERDRAFT SNOWBALLS INTO THE NEXT AND THE NEXT AND ...! And even though I do not draw checks!
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data. 

I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner, that would be better. 

My ONLY ADRESS IS XXXX XXXX XXXX XXXX XXXX MY CORRECT NAME IS : XXXX XXXX XXXX XXXX XXXX XXXX THE INCORRECT PERONAL INFORMATIN BELOW. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (NE)

Inaccurate information being reporting on my credit file causing me to be denied for credit. 
Reporting inaccurate addresses and phone numbers as well as collections and inquiries
Consumer complaint received 2024-07-15
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. (TN)

Hello the credit bureau is a company that not government agency is just a regular business and our consumer live that get equal fair treatment like other who should or shouldnt pay extra depend on that company violate they allow other 3rd party to report consumer information that should be allow and privacy and the credit company only allow to report information that receive from consumer reporting agency but if they only report what information they receive from the consumer agency then they are many information that shouldnt be there so they violate my privacy because they are reporting information illegal against the law from other company that give them without any verification and damage the consumer because every violate report in the consumer they get paid by bank institutions to charge more interest and not approval many other equal opportunity than other the more they report inaccurate the worth consumer worthless become and sell ur information to bank because they knew they false report damage to be able to approval consumer credit so bank can then allow u to credit from them no choice and impose a ridiculous higher interest over the credit bureau dirty tactic they intentionally damage the consumer report to make money instead being fair n equal for everyone if they report what informion off from a consumer report agency why was many more information was reported that illegal and information that consumer agency doesnt allow to report but they have those information so they allow other company than consumer agency to add those info that damage the consumer creditworthiness they team up with big bank to intentionally report many information that consumer agency doesnt allow to charge more interest Wow that team work from company credit bureau and lender work today to fraud consumer who they can make money from innocent consumer if consumer report doesnt even have credit bureau exist why consumer financial live is control by just a random company over consumer life and they knew it and yet take advantage reporting info that damage the consumer credit score and not allow consumer to the equal benefits as many
Consumer complaint received 2024-07-15
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. (AL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (AZ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-07-15
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. (TX)

My repeated efforts to correct the false, erroneous, and misleading entries on my consumer report have been unsuccessful. These incorrect records have significantly disrupted my life, causing substantial distress. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information linked to my identity.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I have received no response, nor has adequate validation been provided. I request your assistance in addressing and resolving this matter swiftly and effectively.
Consumer complaint received 2024-10-26
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. (MA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX : {$25.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-15
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. (AR)

I have the right to make sure my private information isn't shared which is backed by Fair Credit Reporting Act 15 USC 1681 and 15 USC 6801. It is the policy of the congress that each financial institution has an obligation to respect the privacy, security, and confidentiality of their customers. 

The Financial institution and the CONSUMER REPORTING AGENCIES Experian and XXXX DO NOT have my consent to furnish this information. They have never received my written consent. 

All consent to XXXX and Experian is revoked whether it be Verbal, Non-verbal, Written or otherwise. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to exercise my nondisclosure option. 

15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services!
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (GA)

Below is a letter that I have received from XXXX  XXXX XXXX, stating clearly that I have paid the past due balance but it is still on my credit report. I would like to know why? 

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Re : Payment Posted Dear XXXX XXXX, Account Number : XXXX Thank you for your inquiry regarding the above account. 
Our records indicate that a payment of {$220.00} was posted to your account on XX/XX/2019. 
The account now has a XXXX  balance. This account is officially closed. Should you have any questions, please contact customer service at XXXX. We will be happy to assist you. 
Sincerely, Customer Care XXXX XXXX
Consumer complaint received 2024-07-15
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. (OH)

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report that I DID NOT BENEFIT FROM OR APPROVE OF. Two of them are collections accounts from a hospital that stated my health insurance would cover them, yet they sold my information fraudulently to a debt collector and this is affecting my credit. I was a victim of both the XXXXXXXX XXXX XXXXXXXX XXXX BREACHES, which has also affected me, causing others to use and sell my personal information as they please. I need these fraudulent accounts removed permanently and expeditiously!!
Consumer complaint received 2024-07-15
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-15
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-15
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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-23
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)

I communicate to XXXX XXXX XXXX and XXXX XXXX XXXX to Cease and Desist communications with me as they are trying to collect a debt I never acquire with them, It does not belong to me and I'm not going to pay them. They are harassing, threatening and using profane and abusive language, making phone calls, sending me letters after I told them to stop doing so. I'm in distress as they continue to damage my reputation by violating my federally protected rights.
Consumer complaint received 2024-07-15
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. (OK)

I am a victim of identity theft and fraud due to the unauthorized use and dissemination of my identifying private information without permissible purpose. Please see attached documents which include : Identity theft report Affidavit of fact Letter of dispute and demand Lists of accounts to be blocked Two forms of identification Bank statement with address
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

It is my sworn personal statement that the below listed addresses, I never lived at these locations. Also, there is personal information that needs to be updated/made complete immediately. Pursuant to 15 USC 16813 ( b ), my personal information must be updated to reflect accurate information. ADD NAME : XXXX XXXX XXXX. DELETE NAME : XXXX XXXX. DELETE FORMER ADDRESSES LISTED INCLUDING : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 4863 XXXX XXXX, XXXX XXXX XXXX. ADD CORRECT CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX CA XXXX. ADD CURRENT EMPLOYER : XXXX XXXX XXXX XXXX  Please see attached Identity Theft Report
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information on my credit report.