davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

On my XXXX XXXX XXXX card, I recently balanced transferred part of my balance to another bank and on XXXX XXXX 's online portal it's showing this transfer went through on XXXX and my account has been showing the correct balance since. Additionally, the correct balance amount and utilization is showing on my XXXX and XXXX credit reports ; however, my Experian credit report is still showing my previous balance amount prior to the transfers and is affecting my overall utilization on that card as a result ( see attachment ; this is occurring on both XXXX and XXXX ). 

I've already filed a dispute with Experian, and have also spoken to XXXX XXXX over the phone about this, but they were not able to tell me why XXXX and XXXX have been updated while Experian has not. I didn't file a dispute yet with XXXX XXXX either because they only accept dispute letters through the mail sent to a XXXX XXXX XXXX was hoping this might be a quicker route. 

Ultimately, I would like help to get my Experian report updated to match my current account balance, and not still show my previous balance and utilization. For reference, my current account balance is {$2800.00} and should be a utilization of XXXX  %, but is currently showing on Experian as {$9600.00} at XXXX % utilization per the attachment provided.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I have written this letter to dispute transactions that are listed on my consumer report, which you WELLS FARGO disclosed to XXXX XXXX XXXX. The amount is wrongfully listed on my consumer report because i did not give my written express consent to have these transaction disclosed to any consumer reporting agency with respect to the FCRA and US CODE ( s ). INSTITUTION NAME : WELLS FARGO TRANSACTIONS LISTED : VARIOUS TRANSACTIONS I am disputing this unlawful use of my recent transactions via
Consumer complaint received 2023-09-15
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-23
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: Experian Information Solutions Inc. (OH)

I have an account ( XXXX XXXX XXXX ) on my Experian credit report showing inaccurate information. I disputed the information several time but experian fails to properly investigate and verify the account. I disputed the same account with XXXX and they delete the account because the company XXXX XXXX XXXX failed to validate the allege debt. I am asking EXPERIAN to follow suit and do the same and delete the account. Attached is a copy of the deleted result from XXXX.
Consumer complaint received 2023-11-11
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. (FL)

Good afternoon, I hope you've enjoyed your XXXX XXXX XXXX weekend. Unfortunately between the time that I initially submitted my original complaint, more accounts have appeared on my transunion report that are a direct result of Identity Theft. The following accounts are being inaccurately reported to my credit report : - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX As of XX/XX/2023, these accounts are being reported to my transunion account and they are a direct result of Identity Theft. I will attach all necessary documents to prove Identity Theft. Thank you.
Consumer complaint received 2023-09-15
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. (MA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

During COVID ( job loss ) received a forebearance but made payments ( not full amount but whatever I could ) loan amt $ XXXX is interest only adjustable rate. Found out that Servicer automated payment system should not have allowed meto make the random payments but did and all funds were put in an escrow bucket.On XX/XX/ 2022 recd letter stating there was a deficient balance of {$27000.00}. XXXX XXXX, 2022, escrow analysis showing refund due of {$18000.00}. On XXXX XXXX, 2022 I recieived repayment agreement increasing my monthly interest only payments from {$11000.00} to {$2300.00}. XXXX XXXX, 2022, sent a reply requesting a repayment more agreeable to my financial situation as this amount will create a deeper financial hardship. Denied. Was unable to make 2 of these payments ( XXXX and XX/XX/2022 ). Late XX/XX/2022 involved in HIT and Run was hospitalized left me unable to function could not work. Not at my current postion a year denied FMLA. Contacted lender to request help with my payment agreement due to my injuries, advised that the agreement must go into default and then I can request another one but no guarantee and if I do default then COVID protection of foreclosingwill no longer be active.
Consumer complaint received 2023-11-11
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 report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-09-15
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)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-11
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: Affirm Holdings, Inc (TX)

I had an old account with affirm that Ive not used in a very long time. Someone stole my identity, and purchased a personal loan under that account. My social security was under identity theft protection during that time due the the same reason, someone was trying to open accounts with several banks and other personal loan businesses. Despite, they ignored this, and rejected my investigation. Logically, no person would open a personal loan account for {$50.00} only. That is very ridiculous. And I filed a report with XXXX, and they are taking their side because affirm has my social security number.
Consumer complaint received 2023-11-11
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXXXXXX 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 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (OH)

I am being callex 5 to 6 times a day 7 day a week by XXXX credit card ( indigo and milestone cards. I was injured at work and missed a couple of payment because i was off and they have doubled my balances w fees.
Consumer complaint received 2023-09-15
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
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: SANTANDER HOLDINGS USA, INC. (NY)

my credit has been low do to a charge off that was placed on my account while recovering from a car accident. after I fully recovered On date XX/XX/2022 I look more into the credit report to see if there is anything wrong with the report placed for the charge off. I made a dispute to all 3 bureau because I seen discrepancy, and inaccurate information.the balance wasn't matching the past do, the written of balance, and the original balance. also irs passed law that gross income shouldn't be on your consumer report and I didn't receive the 1099G form as well as several violation 15 U.S.C1681s-2 ( a ) ( 1 ) ( a, 15 USC 1681e ( b ) which I let the live agents know. and asked after investigating to remove/ cease/ delete the inaccurate account and they ended up updating it instead.I again tried to dispute it again for the same reasons because when they updated it the balance was more the account been closed and charged off and wasn't matching so again for inaccurate account and several violations because I prior disputed for same reason and they ended up updating the information once again and as of right now the account once gain is under dispute for the 3rd time multiple violations need it removed AS soon as possible
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2023-11-12
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. (TX)

On XX/XX/XXXX I received a credit alert that an account was opened in my name by a company name XXXX . I called the company and was advised by an agent the company I originally had since XXXX ( who I did apply for ) was closing and the new company name is XXXX. Ive been giving credit limit to off set the closing account XXXX. I told the agent NO thats illegal. I didnt apply for the new card and dont want it. I did inform her the only reason why I kept XXXX open was because it was my longest account on my credit. I never received a letter nor email to opt out of their offer. When I called and threaten to sue them they closed the account. I disputed the account with Experian in the attempt to remove the account from my profile. I requested for Experian to provide me with the credit application and source in which I applied for this account because the company cant published the information. Closing the account will not settle this issue. I want the account removed from my consumer report. XXXX validated my rights by opening a credit card without a application and authorization from me. Experian has failed to verify this account by publishing the credit application or date in which I applied for credit. I have attempted twice to remove this account with Experian and the company.
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

My credit card expires in XX/XX/2023 and Im trying to pay my XXXX bill in the month of XXXX and the bank told me that I need to activate a new card before it will allow me to pay my bill electronically
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

This is very frustrating. I do not not know who to talk to. I received a new card and attempted to pay it before it was 30 days late. I received the card back in the summer of XXXX. My first payment was due on XX/XX/2023. I did not allow the day to end on XX/XX/2023 to make both payments of XX/XX/XXXX and XX/XX/XXXX at once. I gave the representative I had spoken to my ACH account information and the payment should have gone through. I waited a week or two for the payment to deduct itself from my account. It never did because it was one number off inputted by the representative I gave my account ACH information to. I should not be having a 30 day late payment for a mistake made by the representative.
Consumer complaint received 2024-09-17
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. (PA)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code XXXX XXXX a consumer reporting agency shall block the reporting of 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. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-09-17
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 you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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. (LA)

I am submitting this complaint as follow up as I want this remaining fraudulent inqiury to be removed from my credit report. And I am kindly asking the CFPB to please oversee the removal of this remaining fraudulent inqiury from my Experian credit report : EXPERIAN : XXXX XXXX XXXX XXXX