davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (AR)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I like to file a complaint for an unidentified fraudulent item as a result of possible identity theft on my credit report for the following : XXXX XXXX XXXX I have attached a copy of my FTC ID theft report with this complaint. Please remove this fraudulent item from my creit report immediately.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX Dear Whom It May Concern, I hope this message finds you well. I am writing to you today concerning my account with XXXX. First and foremost, I want to express my gratitude for the service and support your company has provided me. It has always been my intention to maintain a positive relationship with you, and I genuinely appreciate the assistance I have received in the past. 
However, I find myself in a difficult situation regarding my credit report. Unfortunately, I experienced some challenges during incarceration. Despite my best efforts to keep up with my payments, I fell behind, and a late payment was reported in XXXX of XXXX. I fully understand that these late payments were my responsibility, and I cant stress enough how much I regret missing the deadlines. 
Since that time, I have taken significant steps to improve my financial situation and ensure that all future payments are made on time. This experience has been a wake-up call for me, and I have learned valuable lessons about managing my finances more prudently. I am committed to fostering good credit behavior and maintaining a positive history moving forward. 
I am reaching out to kindly ask if you would consider removing the late payment notation from my credit report as a gesture of goodwill. I realize this request is outside your usual policies, but I hope that my previously consistent payment history and the corrective actions I have successfully implemented might persuade you to grant me this opportunity for a fresh start. Removing these late payments would greatly help me navigate my financial responsibilities and ultimately enhance my credit score.

If you could find it in your heart to assist me, it would make a world of difference in my life. It would not only allow me to pursue better financial opportunities but would also reaffirm the faith I have in your organizations dedication to customer support.

Thank you very much for taking the time to consider my request. I genuinely appreciate your understanding and compassion in this matter. If you have any questions or need further information, please do not hesitate to contact me at XXXX or XXXX. 
Warmest regards, XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

My issue has now been resolved but this is the third time Wells Fargo has personally deprived me of fair consumer practices. If I deposit a check, it should not disappear. Yet on XX/XX/2023, I deposited a check and received confirmation from Wells Fargo that it would ne credited to my account. On XX/XX/2023 my deposit disappeared. I called Wells Fargo and asked how I could access my hard earned paycheck and avoid " their technical issue ''. A Wells Fargo agent told me I would be considered to be " double dipping '' if I tried to cash my check via some other method. My check was held hostage and Wells Fargo did nothing to notify consumers or offer us any alternative. Consumers were at their mercy and given their history, enough is enough. I am tired of getting minimal checks for their class action settlements each time they do wrong. They buy out mortgages and loans to entice consumers to stay because it is a convenient one stop app to pay major bills but I am switching to a credit union because nothing is being done to protect consumers.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I recently disputed an account on my consumer report for having an incorrect balance with the account number XXXX it is a charge off and the balance keeps increasing. the account was charged off for XXXX and now the balance is reporting as XXXX.
Consumer complaint received 2024-09-06
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)

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 4 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 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 2024-09-06
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. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-09-06
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-06
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-06
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. (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 4 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 XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-06
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)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-09-06
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian and CFPB, I am writing to formally address multiple inaccuracies and misleading entries found in my recent credit report that I believe require immediate correction. The presence of outdated, unverified, and incorrect information not only misrepresents my financial history but also puts my creditworthiness at risk. 



The following discrepancies have been identified : 1. **Misleading and Ambiguous Information** : The report includes vague descriptions related to critical fields such as " Date Opened, '' " Balance, '' and " Payment Status. '' The lack of clarity surrounding these entries can mislead consumers about their actual financial obligations. 



2. **Outdated Data** : The report indicates a " Last Reported '' date of XXXXXXXX  yet it also states " Date Last Active '' and " Date of Last Payment '' as XX/XX/XXXX. This discrepancy raises significant concerns about the accuracy and timeliness of the information being reported, violating the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reports must be current and accurate. 



3. **Inconsistent Account Details** : The report lists an account balance of {$0.00} alongside a high credit of {$10000.00} and a collection status. This contradictory information creates confusion regarding my financial obligations and raises questions about the report 's reliability. 



4. **Inaccurate Payment History** : The two-year payment history is presented in a format that lacks clarity and detail, leaving it difficult to ascertain my actual payment behavior. The absence of clear reporting can unjustly impact my credit score and financial reputation.

5. **Consumer Rights Violations** : The inaccuracies present in this report are in direct violation of my rights under the FCRA, which protects consumers from the reporting of inaccurate or unverified information. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) entitles me to dispute inaccuracies and seek validation of debts reported against me. 



In light of these significant concerns, I kindly request that Experian initiate an immediate investigation into these discrepancies and take corrective action to delete the erroneous information from my credit report. The presence of inaccurate data poses a detrimental effect on my financial health, and it is imperative that my report reflects accurate and verified information. 



I expect a prompt response and resolution to this matter. Thank you for your immediate attention to my request. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-09-06
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)

Basis for dispute : **Inaccuracy of information. The Account information reported is incorrect. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Last Activity : Different dates : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian and XXXX show XX/XX/XXXX, Closed date : Only reported for XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Consumer complaint received 2024-09-06
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. (IL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-10-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (LA)

On or about XX/XX/year>, I realized that I had not made a XXXX payment on my Macy 's credit card. I made a payment twice the amount I would normally pay. When I received information about my account I was informed that a late fee had been charged. I was on the phone with a representative of the department store. I asked if the late fee could be waived. I was told yes it could be waived. When I received my statement I was informed that the amount due exceeded the usual amount due and had increased by an amount more or less equal to the late fee and the amount of the initial late fee had been subtracted from the total balance. 

Despite agreeing to waive the late fee, the store subtracted the late fee and then added it to the amount due. I was informed by the representatives to whom I spoke that whatever amounts I did not pay would be added to the monthly amount due, with no way of calculating the increasing debt until the amount requested each month was paid in full. In XXXX I paid an amount that omitted payment of the odd accounting fee demanded.by Macy 's. I can not determine what is a a normal or valid monthly amount due and I have never had a fee waived and added back as another charge. This appears to be a bad faith business practice, based in fraud and usury. At this point the department store is demanding {$230.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as the monthly fee, and alleges that {$140.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is past due.
Consumer complaint received 2024-09-06
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. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2024-09-06
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$2400.00}
Consumer complaint received 2024-09-06
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. (AR)

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.