davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
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. (FL)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EQUIFAX Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, XXXX, and Equifax : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity. 

Equifax : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while Equifax indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account.

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-09-12
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 2024-09-09
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 submitted this complaint to update these suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. : 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
Consumer complaint received 2024-09-09
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: ERC (NY)

I Received a call from XXXX XXXX from Portfolio Recovery stating i need to pay off my bill it was illegal and i would be sued in federal court If i did not pay the bill and possibly throw in Jail, I paid the XXXX  XXXX bill in full even though it was paid prior, I also was told after it was paid in 30days it will be delete off my credit report and it is still there. This company have over 2000 complaints here at the CFPB and I demand something be done about this company and this fraudulent account be removed off my credit report as it his hurting my living. Thank you.
Consumer complaint received 2024-09-12
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-12
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: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX is listed in my credit report. I contacted them many times to validate the debt and ask for proof of purchase agreement. They have failed to provide the proof of the purchase agreement. This needs to be deleted from my credit report
Consumer complaint received 2024-09-28
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. (DE)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX  XXXX - Account XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX  XXXX  - Account XXXX Account Name : XXXX XXXX XXXX- Account XXXX Account Name : XXXX XXXX- Account XXXX Account Name : XXXX  XXXX - Account XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU (WA)

XXXX  of the University XXXX XXXX and was working on a job site in XXXX. 
I sustained a XXXX  injury and was taken to the local hospital. 
An labor and industry claim was opened and approved for coverage of all expenses related to this injury. 
I have sent my labor and industry claim information to the XXXX department multiple times requesting that they bill the correct person responsible. 
Received a collection letter today from Creditors Bureau. 
I called them to let them know that this is not my responsibility and they would not listen. 
This is called balance billing and is illegal. 
The amount trying to be collected is {$56.00}
Consumer complaint received 2019-12-23
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. (GA)

I have identified events involving me as a victim of ID Theft. Someone has systematically used my information to secure credit cards and purchase cars, additionally repeatedly file bankruptcy in my name as a means to discard the debt and direct the attention back to me as the part responsibility. I have provided the credit bureaus with police report and an outline of my details and they have yet responded to my complaint and seek in any real way to fix or even investigate the problem. 

Your help is need to correct this matter.
Consumer complaint received 2024-09-12
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-09
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. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-31
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-09
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 appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-09
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)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-09-12
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. (NJ)

All of my active credit accounts have been missing from my Experian credit history ( whereas my full credit history is shown on XXXX and XXXX ). On their website I have no credit score and no credit history.

I tried to file a dispute, but I can't dispute information that is not on the report at all. I contacted the creditors and confirmed that they report my data to Experian. I called their customer support multiple times to resolve this issue. We confirmed that they have my correct personal information. The most recent suggestion from them was to manually upload my statements from each account. I did that and my credit history has not been updated.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I was having financial difficulties, and my car was repossessed. XXXX at the end of month. My credit has been reporting delinquent since I was making any on time payments. I talked with the lender to let them know I would not be getting the car back. They sent me a letter XX/XX/XXXX or so showing what it cost to get my car back repossession fees what the time frame will be to get it back. And when or about it will go auction off. So how can they report on the XXXX of XXXX that Im derogatory of the full amount on the loan, and the car hasnt been auction offed to leave any outstanding balance.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

A fraudulent checks were posted to my wells fargo Bank account # XXXX and were paid without proper verifications. Signature were not mine, check sequence were not mine. I have never written any checks from this account to anyone and I hardly use this accounts for any transactions except to receive direct deposit. The first check of {$1900.00} dated XX/XX/year> was paid. the second check of {$2300.00} dated XX/XX/year> was equally paid. I brought both to the attention of the bank on XX/XX/XXXX and they reverted the recent amount of {$2300.00}, close the account but refused to revert the {$1900.00} stating that it was more than XXXX days before I reported the fraud. 
My concern : This fraud was done by Well fargo employees because, no one knows this account # as I have never written a check to anyone from this account. I barely operates this account and I do not get monthly bank statements from this account either. The checks presented were not my checks and have no resemblance to wells fargo checks that was issued to me. The signature does not looks like my signature in any shape and form. it was the responsibility of wells fargo bank to verify my signature before paying any money out. I was told that the checks were deposited over the phone. Regardless, Wells fargo is responsible for verify signature before paying money out. I want my money reverted back to my account. I gave wells fargo my money to keep, now they are blaming me for lososing my money and refusing to own up to their mistake. I have another account with Wells fargo and they call me each time I write a check into my checking account because I do not use the account frequently. But because this was an insider job, they never called me for this account.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (TX)

Starting in XXXX of XXXX I noticed fraudulent charged on my bank account. I have contacted then repeatedly since then and have gotten the run around. I lost more than XXXX XXXX. Citi refuses to be accountable for my Identity being leaked or used fraudulently or for adhering to there XXXX fraud liability.
Consumer complaint received 2024-09-12
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. (NC)

I am writing to file a formal complaint against Experian, XXXX, and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) from XXXX to XXXX. These violations have significantly affected my credit standing and financial opportunities. I allege the following violations of the FCRA : 1. Failure to ensure accuracy of information ( Section 607 ( b ), 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies have failed to follow reasonable procedures to assure maximum possible accuracy of the information in my credit reports, particularly regarding late payments, delinquencies, hard inquiries, collections, and debt balances.

2. Failure to conduct reasonable investigations of disputes ( Section 611 ( a ), 15 U.S.C. 1681i ( a ) ) : When I have disputed inaccurate information, the agencies have not conducted proper investigations or corrected errors within the required 30-day timeframe.

3. Reporting of outdated negative information ( Section 605 ( a ), 15 U.S.C. 1681c ( a ) ) : The agencies have continued to report negative information beyond the 7-year limit specified by the FCRA, particularly about late payments, delinquencies, and collection accounts.

4. Failure to provide required notifications ( Section 611 ( a ) ( 6 ), 15 U.S.C. 1681i ( a ) ( 6 ) ) : I have not received proper notifications of the results of investigations or information about my right to add a statement to my file. 
Specific issues in my credit reports include a ) Late Payments and Delinquencies : Inaccurate reporting of late payments on accounts that were paid on time. 
Delinquencies that should have been removed after 7 years are still present. 
Inconsistent reporting of late payment severity across the three bureaus. 
b ) Hard Inquiries : Unauthorized hard inquiries appearing on my credit reports.

Hard inquiries remaining on my reports beyond the 2-year limit.

c ) Collections : Collection accounts that do not belong to me.

Paid collection accounts are still reported as unpaid.

Collection accounts older than 7 years from the original delinquency date still appear on my reports.

d ) Debt Balances : Inconsistent reporting of debt balances across the three credit bureaus.

Inaccurate debt balances that do not reflect my actual account statuses.

e ) Reporting Discrepancies : Significant discrepancies in information reported to each bureau, leading to unfair variations in my credit scores. 
These inaccuracies and violations have resulted in an overwhelming negative impact, such as loan denials, higher interest rates, difficulty obtaining housing or employment ] .I request that the CFPB investigate these matters and require Experian, XXXX XXXX and XXXX
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Since XX/XX/XXXX I started contacting Wells Fargo to issue a XXXX XXXX of credit for my international transactions. 
After several attempts of contacting, calls, branch visits, small business managers, they where always responding we will call you back and they never did it. In fact they provided a small key chain to authorize wire transfers which make me just authorize the wire transfers to the different vendors. I kept asking for the XXXX letter of credit or documentary letter of credit to secure my funds and they were always avoiding to respond. 
I started doing the transactions with the vendors and left me on a spot by my self just sending the payments and happens that this vendors never delivered the goods. 

After the production period they missed and delivery times for the goods they missed I started contacting the bank to make recalls of the funds due to non delivery and they took months and months to respond stating once you send the funds you are done. 

After all this situations just today XX/XX/XXXX I received a letter again from the bank that they tried to contact the paid banks and it was unsuccessful to recall the funds and that they where sorry for my loss. I have lost over {$210000.00} and they said they are not responsible after they never contacting me to provide these guarantees to avoid my loss.