davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (GA)

THIS IS NOT A NEW CASE. THIS IS AMENDED ISSUES THAT I AM HAVING FROM CLAIM # XXXX. Wells Fargo has their employees calling my cell number leaving messages to contact them, which i do and no one extension is working. XXXX calls me from the XXXX office and left this number XXXX for an extension of XXXX, everytime I call that extension it says that it is unavailable. why would a bank give out extensions that is not working. The other employee 's name is XXXX from the sage team at the bank. It is The Resolution Department which he gave me the number XXXX with no extensionwhom I have left messages and never call back. hopefully he will call me today. Wells Fargo has their employees lying and stating that the issue did not happen until XXXX when they without my authorization nor my knowledge place money into my checking account when I specificially told XXXX in the executive office and XXXX XXXX at the XXXX branch in XXXX, Ga. that I have my money back and the only issue Wells Fargo has is to cancel those cash advance fees and to reimburse my non- suffient funds that was charge against me. Now Wells Fargo is punishing me for their own mistake. no, I am not going to make the payments on the credit card in which they are charging me for my own money with interest and their money with intererst on the credit card., The card is over charged and until it is correct and the front and back of their XXXX XXXX # XXXX and XXXX. I have been requesting the copies since XXXX XXXX, no one will give them to me, The employees I have spoken to today is XXXX, XXXX, XXXX who has to give it to XXXX. This XXXX is telling me to send him all the information all over again from XXXX of XXXX to now because he does not know whta happen and he is going to deny any claims. although this jerk had the nerve to tell me what he has read is true, Wells Fargo does nothing but lie. This bank has taken my money and placed it on the credit card as a charge on them. I will not pay this corrupt bank my money. all the money they have stolen from me and have not paid it back.
Consumer complaint received 2024-07-10
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. (NC)

My XXXX  XXXX credit card balance was reported prematurely either by XXXX XXXX, or by the CRAs doing self-reporting. The banks have no valid reason to prematurely report credit card balances out of their normal [ once a month ] cycle. Therefore, I am very suspicious of the involvement of the CRAs. 
This complaint is to give XXXX XXXX an opportunity to respond appropriately to the matter with any evidence it can provide to clear itself, as I do not believe it was responsible. If it was they will need to deal with my attorney amicably in the matter. 

On the other hand, if the diligent investigation of my attorny finds any of the CRAs utilized their position to retrieve an out-of-cycle balance and then self-report it, there will be severe legal consequences and regulatory provisions. 

I currently do not know who acted to afrfect my balance out of cycle - my score has dropped at all 3 CRAs as a result. This is unacceptable, as I have a habit of paying my balances down to XXXX or near XXXX, prior to them being reported. 
I urge the CFPB to work with me to ferrit out the culprit, as either XXXX XXXX or XXXX is being dishonest in the matter. I hope it is not XXXX XXXXXXXX, as I only recently started a relationship with them that I was tending to grow. 

I am asking the CFPB, when you read this to identify any patterns of banks or CRAs prematurely reporting balances out of cycle, - as a new consumer advocate I plan to agressuvely pursue such behavior, given the impact it can have on a consumer for their score to be impacted unexpectedly. Today consumers are taking advantage of the credit game, acting swiftly to acquire XXXX percfent interest credit and unique offers while they last. Consumer like me do not have the time or inclination to constantly battle with the CRAs as to how they report information. I currently have numerous dispuets open at all 3 CRAs, as I'm acting very rpoactively and ensuring they follw governing law, complying with it, and more expediently instead of utilizing the 60-day window to respond when it suits them. The clock is ticking.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Today is XX/XX/XXXX. I called equifax about XXXXXXXX XXXX XXXX I called in to start another dispute ( have been disputing via mail ) for two accounts. The representative I spoke with was very rude and refused to help me. I called in to dispute an account that is showing charged off and shouldnt be. Incorrect account status. He told me that because I opened the account, I cant dispute that information. Even though its reporting incorrectly. When I went online, thats a dispute option. He was so rude and I was unable to get help even after asking to speak with a supervisor. He refused to transfer me. I would like this account ( XXXX XXXX ) removed and to speak with a supervisor regarding this.
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: Experian Information Solutions Inc. (NJ)

This account has been charged off on the following date : XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. After several attempts to have it properly investigated, my request was neglected and has violated my rights. I am demanding a deletion of the follwoing account : Account Name : XXXX XXXX XXXXXXXX Account number : XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2022-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

You have 72 hours to respond.
Consumer complaint received 2024-07-10
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. (OH)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple XXXX XXXX regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-10
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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-10
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
XXXX5 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete all phone numbers from my consumer report. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 


Please remove all information highlighted in yellow from my credit report.
Consumer complaint received 2024-07-24
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)

I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-10
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. (KS)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (GA)

I have not supplied proof underneath the doctrine of estoppel by silence, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8 L owe no debt, this company is violating my consumer right to privacy.This company has no permission to report my information per 15 USC 16814.
Consumer complaint received 2024-07-10
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. (NC)

XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, The Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX XXXXdentity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-10
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. (FL)

I have been contesting an entry on my PERSONAL credit about a BUSINESS loan. XXXX has reassured Experian that I have given a personal guarantee of this loan, and I have not! I have been frustrated for months now, trying to SEE the documents upon which they state that I guaranteed the loan. I FINALLY have the document, and it does not prove ANYTHING at all. My name is TYPED on the bottom page of a document. For all I know, they typed my name there yesterday! That proves EXACTLY NOTHING!!! I WANT TO SEE PROOF THAT I GUARANTEED THIS, OR ELSE HAVE IT REMOVED FROM MY PERSONAL CREDIT. They can report it on the business credit only, that is fine. This was a XXXX XXXX, and it was NOT personally guaranteed!
Consumer complaint received 2024-07-10
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. (VA)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a XXXX-party credit repair company. Not only do I think this is just your delaying tactics to get an extra XXXX  days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-10
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-10
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. (NC)

I declared I was apart of a national disaster for charged off and collections accounts. I disputed both as being in a national disaster and the collection amounts be removed as I was tragically impacted. 

Original Lender ; XXXX XXXX since sold the debt to XXXX XXXX XXXX. XX/XX/XXXX Original lender XXXX XXXX XXXX XXXX, since sold the debt to XXXX XXXX XXXX. XX/XX/XXXX. 

Charged Off and reported as a loss : XXXX XXXX XXXX opened XX/XX/XXXX closed and which is reporting charged off XXXX XXXX XXXX XX/XX/XXXX closed in XXXX now reopened and charged off. 

XXXX XXXX XX/XX/XXXX charged off Local government emp opened XXXX XXXX charged off and reported as a loss by creditor. {$4300.00} and account XXXX XXXX {$500.00} I asked that each account be removed and deleted from my credit report. These are very harmful to my score and credibility worth. As a result of being apart of a drastic life change these should be taken in consideration as the loss they already written off due to unforeseen circumstances such as a national Pandemic.