davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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)

I am filing this complaint regarding two accountsXXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX on my credit report with inaccuracies. These inaccuracies have obstructed my ability to access credit for essential purchases such as a home or vehicle, causing severe financial hardship. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>, I discovered incorrect information associated with this account on my credit report. In compliance with the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, I requested verifiable proof in the form of the original signed contract. However, the company provided only billing statements, which do not meet the legal requirements for verification. This failure has adversely impacted my credit score. 

XXXX. XXXX XXXX XXXX XXXX - This account, which I did not open or authorize, is the result of identity theft. The breach may have stemmed from the XXXX, XXXX XXXX, or Social Security data breaches. Despite repeated requests for resolution, the creditor has failed to provide verifiable proof or respond adequately to my inquiries. 

Additionally : - Several hard inquiries remain on my credit report beyond 30 days without proper authorization. 
- I am requesting a Promotional Suppression to prevent my credit file from being included in promotional lists shared with creditors. 

I also invoke the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and International Promissory Notes, which mandates proper documentation for obligations or debts. As these financial instruments require strict compliance, I demand the removal or correction of any unverifiable account information and hard inquiries to ensure compliance with this international convention. 

Dates and Actions Taken - Identified inaccuracies on my credit report. 
- Submitted dispute requests to XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX 
- XXXX : Received only billing statements from XXXX XXXX XXXX XXXX which I did not recognize. 
- Followed up with both creditors, requesting proper verification and physical contracts. 
Despite my efforts, the issue remains unresolved. Therefore, I request the CFPBs intervention to ensure my rights under the FCRA and the XXXX XXXX XXXX are upheld. If these inaccuracies are not corrected or removed within XXXX days, I will initiate legal action to recover damages of {$1000.00} per inaccuracy on my report. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-01
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. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

I deposited a check from XXXX in the amount of {$18000.00} in my US Bank checking account by ATM XXXX on XX/XX/XXXX at XXXX AM. This was for the sale of a vehicle to XXXX. When I called customer service on XX/XX/XXXX to ask about availability, I was told there was a 5-day hold on the funds and they would be available on XX/XX/XXXX. When I called the local branch on XX/XX/XXXX, I was told that the hold is for 7 days and that Monday is a holiday so the funds will not be available until XX/XX/XXXX. There is no good reason with today 's banking system for a bank to have a 7-day hold. It's highly likely that the check has already cleared the bank used by XXXX with the funds being available to US Bank. This is just a large bank taking advantage of a consumer.
Consumer complaint received 2024-07-29
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. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

On XX/XX/XXXX, I tried to pull my credit report from Equifax. I noticed that the security questions asked did not match my identity. I was also not able to get my report. I went to Equifax.com to research reasons for the error. Upon doing my research, I found that my name was inaccurate, birthday is inaccurate, social security number is also inaccurate, and my home address. My credit file is practically blank, with the exception of a collection account. That has nothing to do with me. 
According to the website, my credit report has not been updated since XXXX. Yet, the collection added to the report was added on XX/XX/XXXX. 
I disputed all inaccuracies dealing with my personal identification. I submitted social security card image, birth certificate image, driver 's license, and recent waste disposal bill, to verify my address. 
On XX/XX/XXXX. I received messages from Equifax, that all disputes were completed and the information on my credit : social security number, birthdate, name, and address are reporting as such, due to the collection item. 

According to my consumer rights and the Fair Credit Reporting Act, the explanation provided from Equifax, should not stand and my information should be changed. Especially after providing the documentation they requested as proof. They are reporting false information on my behalf to potential creditors. 

Sadly, this is not my first time dealing with Equifax on a matter such as this. In XXXX, submitted letters and proof of police reports verifying that my items of identification has been stolen. 
There was also a freeze on my report, which was removed by Equifax.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute a closed account that appears on my credit report with an updated account balance. In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 USC 1681, Section 602, which states that I have a right to privacy.

Additionally, under 15 USC 1681b ( 604 ) ( a ) ( 2 ), a consumer reporting agency can not furnish my account information without my written consent. This account is closed and still reporting on my consumer report with out my consent, and needs to be removed immediately.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am concerned about how Bank of America markets its credit cards to the public. At the beginning of XXXX messages from this bank were left on my cellular phone stating they detected suspicious activity on a credit card I have with them and it have being temporarily suspended. After this message, I receive A letter with a cardboard credit card. I never have any account with them and I never request one. After that, I received a letter dated XX/XX/XXXX but receive it on XX/XX/XXXX. I was very concerned finally because it seems like a fraud After these messages. On XX/XX/XXXX I call the Bank of America Fraud line and I speak with XXXX XXXX who said can not help but refer me to another number XXXX XXXX. I speak them with XXXX who requested the number of my social security card to verify my name address, phone number, and E-mail address. I reassure XXXX XXXX I do not have or want to apply for a credit card with the Bank of America. XXXX XXXX said Do not worry you are not going to hear from us anymore. On XX/XX/XXXX, I receive a packet with a credit card. I feel they harass me to get my personal information and send me a credit card I do not request. I am concern that if I call to cancel they do not going to cancel that credit card.
Consumer complaint received 2024-10-23
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. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-06
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. (IL)

I'm concerned about these unfamiliar inquiries on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of XXXX  and XXXX.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with ( XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in 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. 

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 2023-06-19
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. (TX)

Experian credit Bureau makes it their intent to keep you from talking to an individual pertaining to fraud  on your account. I called XXXX XXXX XXXX ) to be treated with hello please give us your social security number so I can look you up. Now that sounded like fraud not stating who you called instantly asking for your social security number. Then youre told by a computer you can not talk to a person. How can you call in and dispute items if the credit bureau refuses to acknowledge your existence outside of a computer? Then I called XXXX which said call the computer line which will not allow you to address issues with a live person so they can understand what you say. I Then called XXXX. Again no person to discus the issues of fraudulent activity on my account. I have several payments Ive been trying to dispute but it says to call in, why to talk to a computer that caint understand what youre saying? Ive got a large amount of fraud to dispute from unsolicited credit card, hard and soft inquiries out like XXXX XXXXXXXX and XXXX XXXX  which has made almost 30 hard and soft inquiries. XXXX with Experian also has posted un requested inquiries. XXXX does not accept banks that are not national, Experian sells their credit services but prevents the consumer from being able to upgrade their credit report because now they dont recognize the bank you use. Experian, XXXX, and XXXX all need revamped to where they take care of the consumer not barricade the business behind the bureaus to violate the consumers and help perpetrate fraud on your account to reduce your score to increase business interest rates.
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NY)

I made several complaints against Wells Fargo in the past 2 years, my 2 last ones are left unanswered by the bank ( complaints XXXX and XXXX ). Last week, my attorney had to call Wells Fargo about the mortgage payoff statement. Guess, they did send it to the other bank since XXXX/XXXX/17 and was waiting for a confirmation. I can not understand a bank to bank would take that long. Even, why after a week they did n't call to make sure that the other party had received the money. It must be at least a couple of XXXX XXXX of dollars. If that does n't bother them why can not they pay my legal fees for the entire process? It wo n't call that much. What about me? I have been fighting for this for so long. Noone cares to reassure me ; they just let me worried and desperate. It is wrong, really wrong. 
As of this hour, they still did n't send me any confirmation. XXXX XXXX called me but no written document to confirm the transaction. By the way, when will the mortgage satisfaction be recorded? That shows again Well Fargo insensitivity towards their customers. It is really a pattern for this company. I was shocked today when I read something online about them again. In a letter to Acting Labor Secretary XXXX XXXX, Senator XXXX said she noticed on Tuesday that the site ( www.dol.gov/wellsfargo ) was gone and contained the words " Page Not Found. '' Yes, it is true. I just checked and it was still down. This is upsetting. Who is going to help us, the little guys?
Consumer complaint received 2024-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-29
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)

Subject : Complaint Against [ EQUIFAX ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ EQUIFAX ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ EQUIFAX ]. 
Account Information : Creditor Name XXXX XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ EQUIFAX ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress.

The violations committed by [ EQUIFAX ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ EQUIFAX ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EQUIFAX ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ EQUIFAX ] accountable for their actions. 
Sincerely,
Consumer complaint received 2024-07-29
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. (CA)

I am concerned about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? For their convenience I have listed the alleged accounts in question : XXXX. XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX. XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-07-29
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. (TX)

I have received a response from the credit reporting agencies stating that the investigation into these accounts has been completed and deemed accurate. However, my credit report still shows several inaccuracies. 

According to 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of how the verification process was carried out. I request a comprehensive description of all procedures and steps taken to verify the accuracy of these disputed entries. 

Given that these discrepancies persist despite the investigations, I demand the removal of these inaccuracies from my credit report.