davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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)

XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX  : Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ First Progress ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request. 
When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry.

I am requesting that you : 1. Investigate this matter with the company listed above.

2. Remove the unauthorized inquiry from my credit report.

3. Provide me with written confirmation of the removal.

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-03
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)

I would like to dispute the following negative accounts on my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$8800.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX  Account Number : XXXX {$2000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2024-06-03
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (NC)

XXXX payment was made via mail. Two checks were written, one in the amount of {$680.00} and the other in the amount of {$690.00}. Mid XXXX a letter was received that the amount had not been paid. I called customer service and was told that by not having the amounts in one single check, it makes the payment non compliant & they have difficulty applying payment. This has happened since my very first payment with this company, where they will receive the payments on time, & in full, but return the checks in the mail and claim that payment is late. They then claimed one of the checks had bounced and wanted a screenshot of the bank balance to show proof there was enough money to cover payment. The bank was contacted who recommended the one check in the amount of {$680.00} have a stop payment placed because they were concerned the company was acting fraudulently. The company kept the {$690.00} check and then issued a check of their own in the amount of {$670.00} dated XX/XX/XXXX. I will not cash their check as it wasnt the correct amount & due to the bank having stopped the payment for the {$680.00}. A separate check had to be mailed back to them due to this. XXXX payment was made online via their payment portal on XX/XX/XXXX and was applied on XX/XX/XXXX. I received a letter in the mail today, XX/XX/XXXX, stating that as of their statement date of XX/XX/XXXX, XXXX payment had not been made. Payments have been mailed in & then returned via mail by company several times. The company then states the payment is either late or missing when in fact, they were paid on time, but because it was paid with 2 checks equalling the mortgage amount and not one single check, they returned the payment. These payment are always made together and not separately. They reported a missing payment for the months of XXXX & XXXX on XX/XX/XXXX which were untrue. This incorrect reporting has caused my credit to be impacted by almost XXXX points. I called today, XX/XX/XXXX, to dispute the missing payments and operator XXXX stated she seen where the payments were made and said she made a note in the account that the payments were made. I have been given the constant run around with the mortgage company who can not, or do not want to, do their job and process mortgage payments and seem very malicious and predatory. I have additional photos for clarification if needed.
Consumer complaint received 2024-06-03
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$340.00}
Consumer complaint received 2024-06-03
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-03
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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2024-07-10
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$3500.00} Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : XXXX Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$440.00} Company or Organization : XXXX XXXX XXXX Date fraud began XXXX XX/XX/XXXX XXXX that I discovered it : XX/XX/XXXX Total fraudulent amount : {$540.00} Company or Organization : XXXX XXXX XXXX Date fraud began XXXX XX/XX/XXXX XXXX that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1500.00} Company or Organization : XXXX XXXX XXXX Date fraud began XXXX XX/XX/XXXX XXXX that I discovered XXXX Total fraudulent amount : {$1100.00} To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 

SINCERELY XXXX XXXX XXXX
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX & XXXX account XXXX XXXX, XXXX & XXXX account XXXX XXXX, XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account 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 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-07-10
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 writing to DISPUTE the following summaries of derogatoriness that your company supplied to one or more Bureaus .In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, sufficing adhering of Federal and state reporting laws and or suitability in your even extremely compliant adhering to the mandatorily applied credit reporting industrys practices namely the XXXX own CRRG- XXXX XXXX Formatted reporting without deviation ( XXXX ), errors, nor omissions of congruous archives that else better ensure integrity of harangues made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably docious reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are commensurate to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. 

Per the XXXX own XXXX XXXX, An Industry standard for reporting consumer accounts WILL ENSURE THE INTEGRITY AND CONSISTENCY of reported data. This MANDATORILY UTILIZED STANDARD includes but is NOT LIMITED to requirements that ALL ACCOUNTS be reported AT LEAST once MONTHLY, the FINAL ACCOUNT STATUS CODE MUST BE REPORTED if and when an account is PAID OR CLOSED with a XXXX balance. CYCLIC REPORTING must occur at cycles close, etc. 
ACCURACY AND INTEGRITY DEFINITIONS ( per XXXX and XXXX FACT ACT ) : Per the XXXX own XXXX XXXX, the XXXX XXXX  XXXX XXXX Furnisher Rules define the term Accuracy to mean that conclusions that a furnisher provides to a consumer reporting agency about an account OR other relationship with the consumer correctly ( 1 ) Reflects the terms of AND liability for the account or other relationship, ( 2 ) Reflects the consumers performance and other conduct with respect to the account o r other relationship, ( 3 ) Identifies the appropriate consumer..

The following data is suspect to be in deviation of requirements for fair and accurate reported and I demand that ANY and all negativity ( ies ) related to be terminated immediately, permanently and completely or else proven admissible in writing : Please Remove These Items From My Credit Report Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (WA)

This complaint is directed at Wells Fargo XXXX XXXX, a division of Wells Fargo. On XX/XX/XXXX, the primary beneficiary of an XXXX trust died. The trust passed to her children and should have been distributed to them but has not been. Wells Fargo was aware of the death by XX/XX/XXXX. Wells Fargo received a certified death certificate on XX/XX/XXXX. On XX/XX/XXXX, the trustee created a final tax return. On XX/XX/XXXX, the trust was split among beneficiaries. By XX/XX/XXXX, all beneficiaries submitted all the forms that Wells Fargo required to distribute the trust. On XX/XX/XXXX, the trustee, Wells Fargo, acknowledged all forms were submitted and correct, and that Wells Fargo was ready to and would act to distribute the trust to the beneficiaries. On XX/XX/XXXX, the trustee, Wells Fargo, again acknowledged that Wells Fargo was ready to and would act to distribute the trust. It is XX/XX/XXXX and I have not yet received the contents of the trust. The trustee, Wells Fargo, promised on both XX/XX/XXXX and XX/XX/XXXX that I would receive the trust within a few days. That promise was last made to me more than two weeks ago.
Consumer complaint received 2024-07-16
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: U.S. BANCORP (VA)

I have been an Elan Financial Credit card member since XX/XX/year>. I have a XXXX credit card limit and never missed a payment since now in XXXX as they reported. I have never had an issue with this small obligation monthly compared to my bigger debts. 
The month of XXXX was a very volatile month for me and my family, I had to pay a XXXX debt off, then a XXXX debt off in XXXX. 
Also, My personal accounts were getting excessive charges and fees that I had to investigate and get under control with my banks. My elan Credit card autopay must've returned back while processing while I was advised from my banks to freeze card for a periodic time. 
I did not know it would cause me to get a 30DAY LATE PAYMENT Inquiry on my report, it was never my intention to not pay a XXXX $ monthly obligation. 
Once i noticed my credit report was affected in XXXX I sent a letter to ELAN FINANCIAL Explaining it was an error and to have the inquiry removed or updated to PAID AS AGREED. 

My BANK DID TAKE THE MONTHLY PAYMENT FOR ELAN BUT IT MUST'VE REJECTED WHILE PROCESSING WHILE ADVISED TO FREEZE ACCOUNTS PERIODICALLY. 
THIS ISSUE IS EFFECTING ME AND MY FAMILY CLOSING UNDER CONTRACT AND I AM ASKING TO BE FORGAVE AND TO GET THIS REMOVED ASAP FROM MY CREDIT REPORT OR UPDATED TO PAID AS AGREED PLEASE. 

I HAVE ALSO PAID MORE OF THE BALANCE DOWN TO SHOW GOOD FAITH OF LIFE AND THINGS HAPPEN BUT MY INTENTIONS WEREN'T BAD. I NEED THIS OFF MY REPORT TO FINISH MY VA HOME LOAN PROCESS PLEASE.
Consumer complaint received 2024-07-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (GA)

I applied and closed for a loan in the amount of {$16000.00}. The loan agreement was for OneMain to send a check in the amount shown in the payoff quote I acquired from XXXX. My car was to be used as collateral. XXXX still has not received payment from OneMain. I am sill having to pay XXXX for my car, with my due date for OneMain approaching on XX/XX/XXXX, I will then have to pay XXXX XXXX  XXXX have requested multiple times for my loan to be revised for the amount that was given to me that was left over from the payoff for XXXX. The XXXX payoff quote is now void due to it being past the indicated time frame they put on the letter. I have called, emailed, left messages, complained multiple times to OneMain with no help whatsoever. I returned a call from the executive office, only to not be able to get in touch with the individual who left the voicemail to me. Multiple attempts were made to contact her. My loan closed on XX/XX/XXXX. OneMain claims to have mailed the check on XX/XX/XXXX. It doesn not take nearly a month for standard mail to arrive. I am once again, requesting my loan be cancelled. Should OneMain not comply due to my multiple attempts, I will proceed with legal action.
Consumer complaint received 2024-06-09
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: EQUIFAX, INC. (TX)

On XXXX and XXXX, and XX/XX/XXXX, XX/XX/XXXX .I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the XXXX, Equifax and XXXX has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant information. XXXX. XXXX main financial # XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX Credit # XXXX XXXX reinserted on credit file XX/XX/XXXX, was not notifed within the XXXX ) XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  I have attached the letter that was sent to each bureau as well the certified receipts.The credit bureaus have disregarded all my request in which has extremely violated my consumer rights and had negative effects on my credit which has blocked me from obtaining decent housing and providing for my family.
Consumer complaint received 2024-06-03
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-03
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 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.
Consumer complaint received 2024-06-03
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

n 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. has violated my rights. Or a 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.