davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-28
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: TD BANK US HOLDING COMPANY (FL)

These accounts has appeared on my credit report. I have never had any dealings with these companies. 

1. The following account is not mine ( open date XX/XX/XXXX ) XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine ( open date XX/XX/XXXX ) XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine ( open date XX/XX/XXXX ) TDTARGET Account Number : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I 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 XXXX XXXX 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 XXXX 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 2024-09-10
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. (GA)

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. 

Account Name : DEPTEDXXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, 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. (SC)

To whom it  may  concern, I mailed a Multiple  Inquiry  Re moval Letter  on  XXXX   XXXX ,   XXXX  , by certified mail in order to dispute information, in regards to 10 hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX  , and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included 10 Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. After this, another inquiry was made in  XXXX  and I called Transunion immediately and was told they could n't see it. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it state s that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having these many hard inquiries on my credit report display as a sign of financial trouble when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2024-09-10
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. (AZ)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Block, Inc. (FL)

Per Afterpay request for an Hard Ship extension my account was reassessed from {$2000.00} to {$100.00} after been told that the 30 day request would allow me to pay my account in full as I did, but someone set me up on a 45 day extension something I didn't request. The day I requested the Hardship extension I paid {$500.00} XXXX but I want to pay more but whoever setup the extension took away all of my options to make additional payments, i was only able to pay the {$500.00} of a {$1500.00}. balance, upon the company disabling my chances of paying the account out sooner Afterpay set my account up to only pay what they wanted me to pay. In the process of trying to navigate through the app everything was disabled. by the 3rd payment extension I paid the full balance of and requested for my account to be re-instated but upon that happening they dropped my spending limit from {$2000.00} to {$100.00} stating that I had a past history of late payments in which that was a lie, my payments have always been on time except 1 time for a small payment under {$50.00} only because my payroll was delayed and they dropped my {$2500.00} credit limit to {$2000.00}, and i used to request payment extensions until they changed there payments with the extensions. I asked for a Hardship extension per what was asked of me to complete with in hopes of paying off my account as agreed but only to be down sized to a {$100.00} and Upper management belittling my creditability of been the valued customer as I was said to be but I am not that valued customer because they have set my account up for a loss. I have requested 7 times for someone to review my account but I have been refused the service. When I stared using Afterpay my limit was only {$600.00} and to be belittled to {$100.00} is unfair when all I have requested was for my account to be restored as planed from the day I requested the Hardship extension that did not have any late payments. I also request the Underwriter to contact me and someone of higher authority and it has not happen.
Consumer complaint received 2024-09-10
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. (NJ)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I filed a dispute through XXXX XXXX regarding a debt that has been placed on my credit report that i do not recognize and that this collection account has been placed by 2 seperate collections within 7 days of each other and shows a simular amount but does not identify who originally submitted this alleged debt for collections my first dispute i made to transunion about having no knowledge of this debt and the response to my dispute stated that the information regarding this collections is accurate and the debt belongs to me and complies with the consumer fair credit reporting and that my dispute is closed and no changes to my credit report will be made and so i submitted another dispute regarding having 2 collections on my credit report for what appears to be the same debt and the lack of information regarding who sent this debt to 2 collection agency 's also these collection agency 's call me several times a day 7 days a week they will sometimes call right back from a simular numbers and call from numbers that come up as potential spam numbers or restricted number i have taken photos of a few of the calls in my call history to show an example of the frequency in which i am being harassed by these collections
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX ) Consumer XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX open XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX open XX/XX/XXXX XXXX ) XXXX  XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX. open XX/XX/XXXX XXXX ) XXXX XXXX open XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX open XX/XX/XXXX XXXX
Consumer complaint received 2024-09-10
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. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Late Payment : XXXX XXXX XXXX XXXX Personal Information : Employers : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-10
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NJ)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-11-01
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. (CA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-10
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

Hello- I am filing a complaint against Wells Fargo online services. I live in NC and my mother lives in AL. I am the go to person for all of my mother 's accounts- whether it's banking, doctors, life insurance - I manage all of her finances. She has been missing payments a few times, but I always manager to help her get it paid- though she was making late payment too. My mother has XXXX 's - so sometimes she forgets to make payments. And that's where I come in at. So instead of trying to get to Wells Fargo bank, I tried to set up her account online to pay from my home for her. I attempted to go to Wells Fargo in NC ( near me ) to see if I can get this online service set up. They tried to help me but they could not get the issue resolved for me because Wells Fargo online services does not have a copy of my POA. I tried to get the issue resolved over the phone multiple times, but Wells Fargo customer service reps were very nasty. I was told they couldn't do anything for me because they don't have access to my POA. I've asked multiple times to fax it over to them. When I call they will not help me because they are saying they don't have my documents from Wells Fargo Mortgage. Wells Fargo Mortgage conferenced me in with them to let them know that my documents are with Wells Fargo Mortgage. But the online service staff still did not want to help because they couldn't see it on their system. This is ridiculous. I need to have access to the online service to pay my mother 's mortgage on time. I talked to at least 7 people in the online service IT dept. The 1st level, the 2nd level ( who was very nasty ) ... the next level hung up on me. Everyone that answered to this phone number, XXXX, I had issues with - over and over. I finally went to XXXX, AL to take my mother to the bank. One of the bankers named XXXX XXXX- was very helpful to try to get the account set up online. But again, I tried to get access and the system denied me from setting up the online account. Between the Wells Fargo bank in NC and the Wells Fargo bank in AL- neither of them could help me gain online access. But the IT people from the online service, probably could have helped but they keep saying they don't see any of my documents to grant me access. So, where do we go from here? I would really appreciate if I could get this resolved, so I can get online access to my mother 's account. I also have a mortgage account with Wells Fargo, but my main interest is getting online access for my mother 's account.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credits report. 
XXXX ) XXXX XXXXXXXX open XX/XX/XXXX, account : XXXX XXXX ) XXXX open XX/XX/XXXX, account : XXXX XXXX ) XXXX  XXXX open XX/XX/XXXX account : XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX account : XXXX XXXX ) XXXX XXXX XX/XX/XXXX, account XXXX XXXX ) XXXX XXXX. Account : XXXX ********** *** Your company is in clear violation of the law. Under 15 USC 1681b - And under 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,, The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates, I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. Please update and delete late payment under 15 USC 1681s-2 ( F ), thanks
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

PLEASE HELP ME, EVERYTIME IM SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS, I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY.
Consumer complaint received 2024-09-29
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. (CA)

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. 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.