davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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. (CA)

Subject : Dispute of Incorrect Debt Reporting by XXXX  To whom it may concern : I hope this message finds you well. I am writing to dispute an entry on my credit report that I believe to be incorrect. Specifically, there is a debt reported by XXXX for {$160.00} that I do not owe. 
Here 's a bit of context : I used XXXX to finance an XXXX order. However, the order was canceled, and I should not have been charged. The loan did not process until XXXX weeks after the cancellation. Despite this, XXXX has reported a balance of {$160.00} on my credit report, which is incorrect. 
Here are the details of the disputed entry : Creditor : XXXX  Amount : {$160.00} Loan # : XXXX Last updated : XX/XX/year> To support my dispute, I have attached relevant documentation, including : confirmation of Order Cancellation from XXXX and XXXX with XXXX  showing that the charge was incorrect or that the issue was unresolved. I have also attached a copy of my drivers license and a utility bill to confirm my mailing address. 
Given that the order was canceled and I was not charged for it, this debt should not appear on my credit report. I respectfully request that you review the information and remove this incorrect entry from my report. 
Thank you for your attention to this matter. Please let me know if you need any additional information or documentation from me to assist in resolving this issue.
Consumer complaint received 2016-05-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Duncan Solutions, lnc. (TX)

I found that I owe {$130.00} to a company named " XXXX '' when I checked my credit report. I do n't know what this debt is for, what this company is. No type of contact was made or attempted by this company to let me know why I owe this money and how I can pay it.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2024-09-12
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. (OH)

I explained in my letter I have no record of doing business with any accounts mentioned below under Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. Please delete the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MN)

For the past year and a half XXXX XXXX has been sending me XXXX payments for services provided to three different accounts which one is Wells Fargo. He then went to Wells Fargo and filed a fraud claim against six of the transactions when he in fact sent the money of his own volition. Without any investigation, Wells Fargo then proceeded to debit my account {$2600.00} for the transactions that XXXX sent me through XXXX. I made five separate trips to the Wells Fargo bank branch and probably called their claim complaint department a dozen times to no avail. The initial claim was filed on XX/XX/XXXX. When I called today again for an update the representative in the claims department asked me what I was hoping to have as an outcome for this and when I responded that I wanted my money put back in my account. She told me that was not going to happen. And then she proceeded to tell me that a XXXX transaction is as good as cash and is final. I told her she was contradicting herself and the original transactions were sent to me and then withdrawn From my account at XXXX request. She again told me that all transactions are final and they never reverse them. I told her one more time that she was contradicting herself because they reversed the XXXX transactions that XXXX had sent me. I ended up hanging up on her because I was so frustrated. In speaking to other people employed at different banks, and even to the banker at Wells Fargo when I was in the branch, nobody has ever heard of this happening and said that it was very strange that they did this. Im not asking for anything extra I only want the money back that was mine. The whole situation has made me feel very dismissed and not heard. Nobody that Ive spoken to throughout this whole two weeks has seemed to care or wanted to listen to anything I had to say.
Consumer complaint received 2024-09-11
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)

I am filing a formal complaint against Experian for their failure to correct fraudulent accounts and inquiries on my credit report. Despite multiple dispute submissions, Experian has not addressed these inaccuracies, which violates several provisions of the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Fraudulent Accounts Reported by Experian : XXXX XXXX - Opened XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX  - Opened XX/XX/XXXX Fraudulent Inquiries Reported by Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX AUTO - XX/XX/XXXX Laws Violated : Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ] : Failure to ensure accurate reporting.

12 CFR 1006.34 ( b ) ( 5 ) : Inaccurate reporting of credit information. 
FCRA Section 605B [ 15 U.S.C. 1681c-2 ] : Incorrect and outdated information on the report.

FCRA Section 1681e ( b ) [ 15 U.S.C. 1681e ( b ) ] : Inadequate procedures to ensure accuracy.

15 U.S.C. 1692c : Inadequate compliance with debt collection regulations.

15 U.S.C. 1681b : Improper use of credit information.

15 U.S.C. 1681N : Violation of the FCRA and potential damages. 
I request that the CFPB thoroughly investigate XXXX practices and enforce necessary actions to rectify these inaccuracies. 

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On Sunday, XX/XX/XXXX, a deposit appeared in my Wells Fargo checking account for {$950.00}. I thought it was strange and I mentioned it to my wife. 

I realized it because I received an email confirming the deposit with the XXXX time at XXXXXXXX XXXX  and I live in Florida, receiving the email at XXXXXXXX XXXX 
At that point, I changed my username and password. 
Then I received another email which said : We were unable to accept a deposit made to your account. 

On Tuesday, XX/XX/XXXX, I received another email from Wells Fargo which said : Closing your deposit account ending in XXXX. 

I am not a thief, I can not be in 2 places at once, I did not make fraudulent transactions, it is my direct deposit account and for the bank I am simply a bad person, a scammer or a thief and they do not take into account the presumption of innocence. 

The situation is so serious that they included me in XXXX XXXX XXXX XXXX XXXX and I can not open another account in any other bank, this is shameful, I have been nervous for days, this has caused me a lot of anxiety and despair. 

Thank you for what you can do for me. On the other hand, I would like to expose this in some news program.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-11
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. (MI)

This letter is a formal complaint that you have ignored my previous request on XX/XX/2024 and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute which was on XX/XX/2024 Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

The problem is with Equifax. The other two credit Bureaus are ok. Equifax shows NO current credit activity for over 2 years. Most accounts are over 30 years old. My score does not change since there is nothing active. I have contacted them and talked with them on three recorded calls and 3 registered letters including a 60 page summary with copies of reports. Six weeks ago, my attorney sent them a letter. Still NO response. They say there is nothing wrong with my report but it is obvious from a glance that the computer portal is not operational either by FRAUD or Neglect. 

I have attached a copy of the letter sent by my attorney with reference. 

They provide an essential service to the consumer. This kind of neglect should not be tolerated. PLEASE help, I have no other means to get them to respond and fix the problem.
Consumer complaint received 2024-09-11
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 have disputed the following accounts with the credit bureaus, they are the product of identity theft, I have already provided an FTC report to the bureaus, I have called the creditors directly but they have not provided me any documents proving that I applied with them. The items in question, account number, balance and date they were open 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-17
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

Went to Wells Fargo Bank on XXXX XXXX XXXX XXXX XXXX XXXX ) and closed the Money Market Account at XXXX XXXX on XXXX. 

Banker closed the account but couldn't print a check or reopen the closed account. I WAITED UNTIL CLOSING TIME AT XXXX XXXX CST, AS THE OFFICE CLOSED. Banker was put on hold with their tech department and yet nothing could be done. 

I departed the bank and as of now, no call nor a notice of when funds will be given to me. FRUSTRATION AND LACK OF TIME TO HANDLE THIS BANKS INEPTNESS IS BEYOND COMPREHENSION. 

I am a XXXX XXXX, a XXXXXXXX XXXX and an XXXX XXXX of a XXXX Veteran ... ... so how does one get anything done. Please provide me a solution or investigate this banks procedures and a contingency plan for such issues.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

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. 

Account name : XXXX XXXX XXXX XXXX  # XXXX ...., Account name : XXXX XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXXXXXX... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX  # XXXX .... 
Account name : 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 2023-06-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OZK ()

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT bank ozk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Simply I deposited {$500.00} and Ozark Bank sent me a cheque for {$180.00} while closing the account. Explanation/Justification/ no interest added/ forwarded declarations and small cash deposits over the periods/ non recognition.. Password could be XXXX. cell phone XXXX XXXX XXXX XXXX you could send me a code as well. add verification word/phrase what you are wanting or needing the verification word/phrase to be XXXX Need accounting of XXXX. No. XXXX XXXX please. Receipt of declarations and deposits by date. Interest earned and balance website declaration : XXXX XXXX Save more and earn entries to win {$10000.00} {$50.00} minimum opening deposit requirement $ 3 monthly service fee o Avoid the monthly service fee by maintaining a minimum daily balance of {$100.00} or more during the monthly statement cycle o Waived for the first two monthly service charge/statement cycles after account opening Earns XXXX Up to XXXX account withdrawals or transfers per calendar month to avoid a XXXX Unique mobile app savings XXXX Free paper statement To learn how you can earn entries to win {$1000.00}, read the FAQs or Prize Linked Savings Rules ( Promotion not available in Florida ) Bank OZK - XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX minimum daily balance always XXXX False advertising, False promises, False representation, Unacceptable Minimum interest and full deposit reimbursement required XXXX dollar monthly fee charged totally reprehensible Will not rest unless false advertising stops for everyone else Must be consequences to this behaviour or will go back to FDIC
Consumer complaint received 2024-09-12
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)

I explained in my letter I have no record of doing business with any accounts mentioned below under Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. Please delete the following accounts : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX