davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (GA)

I have had a credit card with Wells Fargo for several years. When I first got the card, I had a 9 % interest rate. The company raised my interest rate to 17.4 % currently, antold me that it was due to a late payment. I went back thru several years of payments and never found documentation of them receiving a payment late. I complained to the better business bureau, and all that occurred was that Wells Fargo sent a document stating that I was paying the higher rate with no proof of late payment. The balance of my credit card has been quite high over the past couple of years due to my involvement in a civil law suit that has cost more than {$20000.00} in attorney 's fees. Subsequently, I have been charged an inordinate amount of interest on this account and I did not agree to such a rate, nor did I pay Wells Fargo late, thus justifying their increased charges. I have documentation of my timely payments over the past couple of years as well as copies of my complaint to the XXXX. My credit rating is over XXXX and there is no record of my paying my credit card late on my credit report either. Thank you, XXXX XXXX
Consumer complaint received 2024-09-08
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. (GA)

I have a former bankruptcy on my credit report I asked them to provide that the Experian to provide the reporting status from the US Bankruptcy Court XXXX. According to the Court them don't report Bankruptcy therefore I need Experian to provide documentation from the courts. In real time writing.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-08
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)

RE XXXX XXXX  Block Request Dear Sir or Madam, I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Back in XXXX I had a issue with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There system updated to a new payment source locking me out of my account. I called and couldn't get threw because the said my phone number wasn't attached to my account. I have had the same phone number for 8 years. When they finnaly called me about a mis payment I explained the technical difficulties I was having. They told me no problem and reversed the late fees. We'll I noticed there was a late payment on my credit report. Called XXXX XXXX again they told me no problem dispute with credit bureau. I did that and got the notification that late payment was still there. I then called XXXX XXXX XXXX XXXX XXXX XXXX  ) they told me that is the credit bureau fault that it's not off. Called the credit bureau and there saying its XXXX XXXX I Spoke with the manager of XXXX XXXX and she assured me once again that it should be removed. Please someone help me, this is ruining my life and costing me a ton of money. This has caused my credit score to tank and is causing me more finical hardship. I have payed all my bills on time, with this only late fee in 8 years. XXXX XXXX told me on four occasion to do the dispute and it will be taking off with no issues. They told me they had numerous customers with same issue. I am only frustrated because XXXX XXXXhe Creditors is telling me it was removed and it's not. Thank you so much and I look forward to hearing back from you
Consumer complaint received 2024-07-09
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2016-07-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring 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 fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information. I request that you investigate this matter and remove the incorrect late payment entry from my credit report. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. 

The creditor, XXXX XXXX XXXX XXXX XXXX has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the XXXX timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of XXXX days to resolve this matter. 

XXXX XXXX XXXX XXXX XXXXXXXX Date of Incorrect Late Payment : XX/XX/year>
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please provide the documentation that DEPT OF EDUCATION provided stating I was late making the payment. All payments were autopay and never 10 days past due to report.

According to 15USCCODE1681b and 1681c2 to report this account you must have proof of me making a payment late.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as XXXX XXXX XXXX account # XXXX, XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX account XXXX XXXXXXXX, XXXX Account XXXX  XXXX is causing harm to my credit reputation and financial standing. 

All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-09-08
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 entered into a repayment plan with XXXX XXXX as part of an agreement to bring the amount due to XXXX. 

The payments were done monthly as a agreed via my XXXX Account. 

In total the agreement was 48 monthly payments. 

XXXX payments later, or XXXX months before the account was to be paid full, I received notice that my account was now in collections. 

I contacted XXXX XXXX and indicated that I was just XXXX months away from paying the account off in full, and they agreed by phone to continue accepting the payments and then to report it as such-and in good standing. 

I noticed on my credit report that it has been listed as settle for less than paid in full, last month. I contacted XXXX XXXX to inform them the account was paid in full as agreed and the representative told me she would update the account accordingly. 

I also filed a dispute with the XXXX credit bureaus regarding the incorrect reporting by XXXX XXXX. 

Now on my credit report is has been updated to a charge off. When I paid as agreed. Have proof of payments via my XXXX statements, and an email from XXXX XXXX indicating successful receipt of payments. 

It's unfortunate and disappointing how XXXX XXXX went about doing business. Even more so, to lead clients on regarding payment plans and credit reporting when done as agreed to then give the harshest report when it was repaid as agreed. 

It is not worth the effort to negotiate a full repayment with XXXX XXXX if as agreed it is identified as a charge off. It's best to not repay, let it go to collections and then offer to settle at pennies on the dollar-for the impact a full repayment plan listed as charge off can impact your credit report.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX have ruined my financial standing. It is so unfortunate that these companies have so much power over a person 's livelihood. I submitted documentation for a legal name change to both bureaus. Rather than updating my information, they created a new profile under my new name. My credit scores tanked because all of my credit histories are under my previous name. I have called every number available to try and get them to merge my accounts but to no avail. 

Instead, I have been passed around to 2nd string representatives who can not assist me with my issue. Equifax sends me from person to person and XXXX does a dance around an automated system. I am not sure what else to do as my " thin '' credit file keeps me shut out from many financial opportunities. The funny thing about it is XXXX got it right! They simply updated my new name and listed my old name under " previous names. '' This is how it should be done at each bureau. 

I am asking for assistance with contacting these reporting agencies and holding them accountable for providing current and accurate information as it is detrimental to my credit portfolio. This incompetence should not be tolerated as many people rely on these agencies to get it right. Thank you for your time and I hope you have a better shot at contacting a competent representative than I have had.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

Ive been with Wachovia /Wells Fargo since 1997. Over the years esp in the last 8 years they have illegally said I didnt have money when I did - caused numerous over draft fees that were not accurate and stole money from me on numerous occasions. They are well known for this. And its not right - they need to be held accountable for stealing from its customers
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hello my name is XXXX XXXX. I never had knowledge of opening capital one account. Never use it. It was fraudulently open. I told this to capital one I didnt open this account and this effected me and my credit.
Consumer complaint received 2024-09-08
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. (CA)

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts and inquiries to be BLOCK AND DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

And according to the fair credit reporting act, the list of accounts have violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681.

15.USC 1681 section 602 A : states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states no consumers report agency may make any consumer report contain any of the following items of information any other adverse item of information other than the record of conviction of a crime, which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to any consumers agency, if the person knows or has reason comfortably that the information is inaccurate.
Consumer complaint received 2024-09-27
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: EQUIFAX, INC. (VA)

I have written several times that I never authorized any inquiries on my report XXXX has removed each inquiry from my report and I have written to Equifax and they are refusing to remove the information that is not accurate from my report causing me extensive damage