davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NJ)

I did a {$50.00} money transfer that didnt go through from XXXX XXXX to PNC Bank on a Friday XXXX 6 days later it never posted. I kept calling and was told there was a holiday the next week. I filed a claim to return the funds back to my XXXX XXXX account and deposited a {$38.00} check on XXXX. Now without any explanation PNC bank is closing my account and customer service says they have that right and dont have to have any explanation for closing customer accounts. I asked abt my returned money transfer and deposited check and was told to wait for a letter in the mail. It cant be legal to do that to customers. Especially after they charged me a monthly fee and overdraft fee that I requested be removed from my account bc I was waiting for the {$50.00} money transfer into my PNC bank account.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

The consumer applied for a consumer line of credit with Navy Federal XXXX of XXXX. Navy Federal approved the consumer line of credit ( $ XXXX ) based on her creditworthiness ( XXXX credit score ) at the time. The account was closed in XXXX by the guarantor ( Navy Federal ).

Please remove the trade line ( Navy Federal ) from my credit report in its entirety. 

Please review the XXXX XXXX ( credit report ) attached. The creditor updated the consumer credit report, confirming the line of credit was expected to fall of the consumers credit report, XX/XX/XXXX. 

1. Please remove Navy Federal account ( credit card ) from my XXXX XXXX credit report asap & re-evaluate my credit score & as I am trying to rebuild my credit worthiness ;
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my XXXX XXXX. I XXXX  reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of these late-open accounts are essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported accounts opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XXXX Owed : {$15000.00}.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2023
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-21
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. (MO)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX BANK XXXX XXXX Balance : {$1300.00} XXXX XXXX FIN XXXX Balance : {$1100.00}
Consumer complaint received 2024-06-21
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX CARD # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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 2024-06-20
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 have been a victim of identity theft and requested the removal of this fraud account multiple times. I went back and forth with the bureaus since XX/XX/XXXX but to this day, the fraud account is still on my credit report. 

Please delete XXXX XXXX XXXX - XXXX - date opened : XX/XX/XXXX ASAP. 

and delete these fraudulent inquiries : XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX. 

I have aattached my new and old FTC reports along with my IDs
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-21
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. (AL)

Debt has already been disputed and was said to be concluded by XX/XX/2024 no deletion has been made to resolve this Issue XXXX XXXX XXXX in the amount of {$1400.00} and another XXXX XXXX XXXX account in the amount of {$220.00} along with XXXX Bank Delaware still reporting an amount of {$600.00} all these accounts HAVENT BEEN PROPERLY INVESTIGATED AND IS WAY PAST INVESTIGATION TIME FRAME. No actions has been taken by XXXX XXXX XXXX nor Experian regarding these accounts
Consumer complaint received 2024-06-21
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 with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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. (ME)

According to XXXXXXXX XXXX XXXX XXXX. XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : 15 USC 16815 : Account # XXXX, XXXX XXXX XXXX, Placed in Collections XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is for Bank of America mortgage. Due to being past due in month XXXX and XXXX of XXXX I was going through a XXXX XXXX XXXX XXXX at the time and out of work. I have never been late and after those two payments been late with my mortgage. I had an exceptional payment history. I asked Bank of America as goodwill to reverse the late reporting and they refused even though I had exceptional payment history with them. This is no way to treat customers that were going thru a crisis such as a XXXX at the time. Yet, still able to pay the mortgage. I will like someone to look into my account and attempt to reserve the late reporting.
Consumer complaint received 2023-10-02
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. (NY)

I have been trying to resolve this issue with the loan servicer for quite sometime. They have changed names so much it's hard to keep up with them. Direct loans were the loan servicers for these loans and i have asked them to show me a wet signature showing that I requested these loans and received them. There has been no compliance with validating the debt and it has been ruining my credit for over 10 years. I would like them to remove this from my credit report due to the fact that, there is nothing validating the debt, I have tried to contact them to resolve the problem but the credit bureaus continues to say that the debt belongs to me. I am ready to take this to court if necessary because the response from the loan servicer has always been validating the debt without showing proof. It has affected my life mentally and physically. Pain and suffering is just the tip of the ice burg with what its done to my life. If they do not get this off of my credit report, that is the next step I am taking, no more no less.
Consumer complaint received 2024-06-21
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 discovered that I have been a victim of identity theft, as reviewed a copy of my credit report. I found numerous accounts and inquiries on my credit report that were not open by me. Experian failed to inform me that my data was compromised during the XXXX XXXX XXXX. Experian 's greed for profits from selling consumer data and subscriptions, neglecting consumer rights and the XXXX. This breach exposed my personal information and led to numerous fraudulent accounts and inquiries being added. XXXX negligence hurts me and has significantly impacted my life as a XXXX XXXX XXXX XXXX born XXXX. Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. In accordance with the FCRA, sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and sections 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to delete the fraudulent account from my credit report. ( See Attachments ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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. 

( AND CONSUMERS CAN NOT EVEN DELETE THEIR ACCOUNTS WITH EXPERIAN ONLINE, BECAUSE EXPERIAN DOES NOT GIVE THE OPPRESSED THE OPTION TO DELETE WHAT SO EVER. )
Consumer complaint received 2024-10-03
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. (GA)

RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX - XXXX - XX/XX/year> - {$5000.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NJ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-20
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)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

My account with XXXX XXXX XXXX XXXX and I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE 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.

This company 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 2024-06-21
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)

Dear [ EXPERIAN XXXX XXXX ], I am writing to express my extreme dissatisfaction with the lack of progress regarding my dispute of fraudulent activity on my credit report. I filed a fraud claim on [ XX/XX/XXXX ] regarding [ listed items in each attachment ] The Fair Credit Reporting Act ( FCRA ) mandates a response from credit bureaus within 30 days of receiving a dispute. It has now been 56 days, and I have yet to receive any communication regarding my claim. 

This lack of response is unacceptable and a clear violation of my rights under the FCRA. These fraudulent entries have been on my report for a significant amount of time, and your continued inaction is causing me undue harm. 

Due to your failure to comply with the FCRA, I am prepared to take the following actions : File a lawsuit against your bureau. 

I demand immediate action on my dispute. Please remove the fraudulent entries from my credit report and provide me with a written confirmation of this change. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-21
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. (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 30 days 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 immense stress 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.