davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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)

Subject : Request to Update Credit Report Charge-Off, Payment Verification, and Inquiry Removal I am writing to formally dispute inaccurate information in my credit report regarding the charge-off on my XXXX  loan and the payment history for my mortgage. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am entitled to request and receive documentation that substantiates the accuracy of information reported on my credit file. 

XXXX  Loan Charge-Off : Account Number : XXXX Charged-Off Amount : Paid in Full via Bill of Exchange. 
I am disputing this charge-off and request that you provide me with the original documentation that verifies the validity of this account, including payment history. I have attached evidence of payments made towards this account that may not be reflected in your records. 

Mortgage Account : Account Number : XXXX Current Payment Status : Sent Payoff Furthermore, I request that my payment history for this mortgage account be accurately reflected on my credit report. Consistent and timely payments have been made, and it is essential that this information is correctly displayed. 

Removal of Inquiries : I also request the removal of any inquiries related to non-holding accounts from my credit report. These inquiries are impacting my credit score negatively and should not be included. 

In accordance with my rights under the FCRA, I expect a thorough investigation into these matters, as well as an update to my credit report reflecting accurate information and the removal of the specified inquiries. Please provide confirmation of the receipt of this letter and keep me informed about the progress of my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attorney in fact for Estate of XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I am writing to formally demand the immediate removal of inaccurate information currently reflected on my credit report, despite prior notifications indicating that these entries were removed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are legally obligated to report only accurate and verifiable information. The Federal Trade Commission ( FTC ) has emphasized that credit bureaus are required to ensure 100 % accuracy in their reporting. 

According to recent updates on my credit report dated between XX/XX/year>, and XX/XX/year>, it was confirmed that the following entries were removed : Account : CHILD SUPPORT XXXX VA Inquiries : XXXX XXXX and XXXX Card Services However, I have observed that this information is still being reported on my credit report. This constitutes a clear violation of FCRA provisions, specifically regarding accuracy and the timely removal of closed or disputed accounts. In addition to damaging my credit score and personal financial standing, this repeated inaccuracy subjects your organization to potential legal liabilities under consumer protection laws.

I demand that you : 1. Immediately remove the aforementioned inaccurate entries from my credit report, as previously indicated.

2. Provide written confirmation of the removal within 15 business days from the date of receipt of this letter. 
3. Conduct an internal investigation to prevent further inaccuracies and report back on measures taken to ensure compliance with federal requirements. 

Should you fail to comply within this period, I will have no alternative but to escalate this matter to the Federal Trade Commission and consider legal actions to enforce my rights under FCRA. Please treat this letter as formal notice of potential legal action if the issue is not promptly resolved. 

I appreciate your immediate attention to this serious matter and await your written confirmation of the corrective actions taken. 

Sincerely
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items  that appear on my credit report as : 1. ACCOUNT NAME : XXXX XXXX XXXX # XXXX ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete. 2. ACCOUNT NAME : XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX, {$28.00} This account is a duplicate never showed proof of claim error please delete. 3. ACCOUNT NAME : XXXX # XXXX ACC BAL {$100.00} This account was Discharged in bankruptcy was never updated properly error please delete.
Consumer complaint received 2024-10-26
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. (TX)

THESE HARD INQUIRIES ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

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.
Consumer complaint received 2024-10-26
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)

BURO NAME : Experian Address : XXXX XXXX XXXX XXXX, TX XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) XXXX following personal information is inaccurate ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report By the provision XXXX of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 
Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-05-09
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. (MO)

I have attempted to get trans union to tell me how they verified this information over and over, but they just continue to send me form letters stating the public record is verified. I have reached out to the courts and they sent me a letter telling me that they do not verify information to the credit bureaus and they do not report information to the credit bureaus. I have also put a security freeze on my account w/   XXXX   XXXX  , so trans union could have not received the information from them. I want this information investigated and removed as this is a violation of the FCRA. I have attached both letters from the BK courts and from  XXXX   XXXX , I have also attached the last letter i sent to them, which took them 7 days to investigate from the time they signed for the letter, and I have attached the latest investigation results. Again, this is a violation of the FCRA
Consumer complaint received 2024-10-25
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX  XXXX Account Name XXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-10-26
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)

XXXX XXXX XXXX ACTION : CLOSED REPORTED XXXX BALANCE $ XXXX IDENTITY THEFT NOT MY ACCOUNT XXXX XXXX XXXX XXXX ACTION : CLOSED REPORTED XXXX BALANCE $ XXXX IDENTITY THEFT NOT MY ACCOUNT XXXX XXXX XXXX XXXX ACTION : CLOSED XXXX XXXX XXXXXXXX XXXX XXXXXXXX IDENTITY THEFT NOT MY ACCOUNT XXXX XXXX ACTION : CLOSED REPORTED XXXX BALANCE {$86.00} XXXX CONSUMER- ACTION : CLOSED REPORTED XXXX BALANCE $ XXXX IDENTITY THEFT NOT MY ACCOUNT
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX, florida, XXXX ], while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX, fl XXXX ] [ XXXX XXXX XXXX XXXXXXXX, Fl XXXX ]. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Consumer complaint received 2017-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), secti  on 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negativ  e information to the credit reporting agencies in connection with the aforementioned account  s may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as : 1. ACCOUNT NAME   :  XXXX   XXXX   XXXX  #  XXXX  ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete.    2.  ACCOUNT NAME :  XXXX   XXXX   XXXX  #   XXXX  ,  XXXX ,  XXXX   XXXX   XXXX , {$28.00} This account is a duplicate never showed proof of claim error please delete.   3. ACCOUNT NAME :  XXXX  #  XXXX   ACC BAL  {$100.00} This account was Discharged in bankruptcy was never updated properly error please delete.
Consumer complaint received 2017-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (NJ)

I was a customer of online Bank  SIMPLE  for quite some time. Recently, they changed partner banks to  BBVA Compass . I thought transferring to the new partner bank, via SIMPLE 's web site would go smoothly as I was already an existing customer. However, there was a technical issue, which they REFUSED to disclose, which prevented my transition to   BBVA Compass.
SIMPLE instructed me to close my account with the old partner bank and when it was fully closed, to go online and open a new account, which would be with BBVA Compass.
I did that two weeks ago and never heard a thing from SIMPLE, o  nly to call them today to find out that they can not open my account, And, refuse to give a valid reason, other than, " it is a technical issue. ''
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (TX)

I called to make a payment 3+ times. First time, they transferred me to a call center in XXXX. They could not transfer me to the USA. I call them back, the associate refused to tell me if he was located in the USA, kept repeating himself and refused to answer questions. I asked if he could take a payment and he refused to.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On several occasions, I have sent dispute requests to XXXX, Equifax and XXXX and they are failing to respond to any dispute requests! This does not make any sense that these people are governed to respond to dispute request, and they are not. As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. I have not received any updates on these below accounts in question : XXXX ) XXXX Verification of the accuracy of the disputed information. 
XXXX ) XXXX XXXX XXXXXXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX- XXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX XXXX XXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX  XXXXVerification of the accuracy of the disputed information. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL (TX)

I have always paid my care credit on time and more then the minimum total they said I did n't acknowledge some advertising or promotion I never saw I explained it to them and they refused to take the {$600.00} they added to my credit card. I never have seen in writing nor documents on my phone stating this.
Consumer complaint received 2017-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Hello, My name is  XXXX  & I have been asked by  XXXX   XXXX  to help him file this report against  Wells Fargo.    He had Personal Checking & Savings, Business Checking, Merchant,  Visa Credit Card & even Mortgage account with Wells Fargo fo r many years.     However, in the years roughly of   XXXX   till he closed his banking account w ith Wells Fargo.. He was Charge for transactions he did not make not to add, there  was dupplicate car d ( s ) us ed in another state.     I am trying to help him sort out statements he has.   Its a bit hard because all he can tell me with certainty is that after going to the branch numerous times and being told it was a computer mistake that it would adjust, it turned into, just ignore it and  XXXX  had very good credit and he could not ignore it and he paid these charges.     Since he was given a new card from time to time because he would go to the branch often & they kept the fraudulant card its hard for me like i was saying to figure out which account numbers of so many that he has many statements to.     He paid charges he did not make.   He was changed account number and made duplicate cards without his consent.   He was a victim of fraud and some time before closing out his accounts he was told in a branch near his business that he could sue within  6years.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

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.