davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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. (MI)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

ON XX/XX/2023 I'm receiving an error at XXXX when trying to get my credit report online. This has been on ongoing issue. Congress has established the consumers should be able to get a free annual credit report ( and through 2023 actually more frequently than annually ) and not have to jump through hoops requesting it via snail mail ( i.e., USPS ).

I am looking for resolution to get the report via the website, and not via USPS. 

Below is the error message I receive : ************************************************************************************************** experian. 

We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-06-10
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. (TX)

XXXX XXXX XXXX Complaint Regarding Inaccurate Credit Reporting Under Section 807 of FDCPA and FCRA** To Whom It May Concern, I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX on my credit report. My name is XXXX XXXX XXXX, and my credit report includes a potentially damaging entry that I believe violates several provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The account in question is as follows : **Account Name : ** XXXX XXXX XXXX **Account Number : ** XXXX **Account Type : ** XXXX XXXX **Responsibility : ** Joint **Date Opened : ** XX/XX/XXXX **Status : ** Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
**Status Updated : ** XX/XX/XXXX **Balance : ** {$10000.00} **Balance Updated : ** XX/XX/XXXX **Original Balance : ** {$12000.00} **Terms : ** XXXX  Months **On Record Until : ** XX/XX/XXXXXXXX XXXX XXXX XXXX # Payment History : - **Charge Offs : ** XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX Days Past Due : ** XXXX XXXX - XXXX Days Past Due : ** XX/XX/XXXX - XXXX Days Past Due : ** XX/XX/XXXX Laws Violated : 1. **Fair Debt Collection Practices Act ( FDCPA ) : Section 807 ( 15 U.S. Code 1692e ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt. The reported status and balance of this account contain inaccuracies that are misleading and harm my creditworthiness.

2. Fair Credit Reporting Act ( FCRA ) : - Section 611 ( 15 U.S. Code 1681i ) : Requires that credit reporting agencies investigate disputed information.

- Section 623 ( 15 U.S. Code 1681s-2 ) : Requires furnishers of information to provide accurate information to credit reporting agencies.

- **Permissible Purpose ( 15 U.S. Code 1681b ) : ** The continued inaccurate reporting suggests that my credit information is being mishandled, possibly shared or utilized without a permissible purpose.

These inaccuracies are damaging my credit score and my ability to secure future credit. I have the following specific complaints : - **Inaccurate Balance Reporting : ** The reported balance of {$10000.00} is incorrect and should be updated to reflect the true amount, if any.

- **Status Errors : ** The charge-off status and past due amounts are inaccurately reported for several months. 


XXXX XXXX for XXXX XXXX XXXX : - **Phone Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX look forward to your prompt resolution of this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-10
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 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 2024-06-10
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-10
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 to contest the presence of an unauthorized accounts on my credit report, as provided by your bureau. Upon thorough examination of my credit report, I unearthed the accounts that I firmly believe is the product of identity theft. 

I have been made aware that other credit bureaus have already expunged these fraudulent accounts from their records. This raises significant concerns regarding the acuracy and timeliness of your bureau 's reporting practices. Despite my proactive efforts to address these issues, the account persists on my credit report under your bureau 's reporting. 

To bolster my claim, I have filed a formal complaint with the XXXX XXXX XXXX XXXX XXXX  ) and have furnished the bank with documentation regarding the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and expunge the fraudulent accounts from my credit report. 

I anticipate receiving a written confirmation detailing the completion of your investigation and the removal of the fraudulent accounts from my credit report. Furthermore, I request an updated credit report reflecting the necessary corrections. 
The specific accounts in question is as follows : 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 2024-06-10
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2024-06-10
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 am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX XXXX I deposited a personnal check from my son for {$70000.00} drawn on his XXXX XXXX account. He had funds in his account from a recent sale of a previous home. Two days later, he mentioned that the funds were debited from his account. I deposited the check with Truist bank in XXXX GA, his bank being XXXX XXXX in same XXXX XXXX On XX/XX/XXXX XXXX XXXX I received an email from Truist that the total funds exceeded {$5500.00} and the balance would not be made available until XX/XX/. After several calls to Customer Service at Truist Bank during the time of XX/XX/XXXX thru XX/XX/, the only response I received was, " I'm sorry '' and " Do you want to speak to a supervisor? ". On the first call I did speak to a supervisor who gave me no answers to my questions, Why does it take so long to clear the check? and what is the process that takes 10 days, when the funds have already been debited from my son 's account at XXXX XXXX?
Consumer complaint received 2024-06-10
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-10
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-10
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 am submitting this complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. I urge you to prioritize this matter and provide a written response within the legally mandated 30-days timeframe, confirming the deletion of the fraud items on my credit report. Kindly help me delete these following items : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} ; XXXX XXXXXXXX Balance Owed : {$730.00} ; XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX XXXX XXXX XXXXK XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX.
Consumer complaint received 2024-06-10
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. (MO)

Experian is not doing their job in regards to investigations : XXXX. XXXX XXXX  30 Day XXXX XXXX XXXX. Personal Information That's Reported Fraudulent 1c. Removal Of Fraud Statement On Credit Report.. 

XXXX ' Own Company Website XXXX XXXX 
Payment On XXXX
Consumer complaint received 2024-06-10
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 am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-10
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-10
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)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-10
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. (NY)

I am submitting this complaint myself and there is no third party involved. This account isinaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please help me investigate properly and correct it from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This evening, I noticed some incorrect accounts appearing on my credit report, and I have no clue why. I regularly check my credit report, but this time, there were unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but it didn't help. The inaccurate accounts remained even after refreshing. Due to this problem, I'm requesting that the documents I've submitted be thoroughly reviewed so I can stop worrying about this issue.
Consumer complaint received 2024-06-10
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 am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

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 2024-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I received a phone call on XXXX XXXX by Wells Fargo phone number, it was their phone number so I picked up. I was told that a person in XXXX was trying to pull money from my XXXX account. He told me in order to protect my money I would have to transfer to a phone number which he provided and told me it was the manager and he would void it out. As I thought it was the bank and he walked me through the steps I thought it was legit. He told me to wait 24 hours for the system to reboot and I would have my money back. My account was at XXXX! Right after I hung up, I called Wells Fargo and told them what had happened. They opened up three cases and supposedly investigated. A week later they denied my claims because I had, according to them, authorized it. I sent an appeal letter to them as I felt they should have protected me better as evidently this scam is not new to them. I would like for my account to be reimbursed. Regulation E states that if a person is induced then money should be reimbursed to customer. 
I do have the case numbers and also phone call coming in from Wells Fargo at XXXX XXXX  XXXX  which were the scammers and my two phone calls going out to Wells Fargo. 
Case # XXXX, Case # XXXX, Case # XXXX
Consumer complaint received 2024-06-10
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. (MD)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.