davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2024, I identified several incorrect addresses listed on my reports from all three major credit bureaus : XXXX, Experian, and XXXX. These addresses are : I disputed these addresses with each credit bureau via certified mail on the same date ( XX/XX/2024 ) and requested their removal in accordance with the Fair Credit Reporting Act ( FCRA ). While all three bureaus responded within 30 days, they all denied my request. 

The presence of these inaccurate addresses on my credit report is a violation of my right to privacy under the FCRA and could negatively impact my ability to obtain credit and other financial products. Additionally, having my personal information, including future credit offers, sent to addresses where I don't reside is a significant security concern. 

In my dispute letters, I included copies of documents verifying my current address, such as a valid government-issued ID and a recent bank statement. 

I request that the CFPB investigate this matter and ensure the credit bureaus comply with the FCRA by removing these inaccurate addresses from my credit report. I appreciate your time and attention to this issue.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (VA)

Week of XX/XX/XXXX, finding hotel for a trip, found one thru XXXX XXXX hotels, joined XXXX XXXX, dates for stay, when going to book room a promotional block came up for XXXX statement credit to apply for XXXX XXXX XXXX thru Wells Fargo. I did, was approved, received card XXXX. Used card at hotel XXXX thru XXXX. Statement received XXXX, no statement credit. Called Wells Fargo XXXX. They initiated a case. Email XXXX received. There was no promotion at this time. Called reopened new case XXXX stating above problem. Email XXXX  received, it is a XXXX XXXX responsibility they are the travel rewards company. XXXX Called XXXX XXXX, they deal with points only, ( I did receive points for stay, I can accumulate points, redeem for services etc ) they do not deal with moneys, I need to call Wells Fargo. So I did they opened a new ( 3rd )
Consumer complaint received 2024-05-15
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. (NY)

The credit agency has listed inaccurate information on my credit report because the creditor has provided inaccurate information or no information about payment details. Some payment information is missing altogether. The account is supposed to be listed as in dispute and it is missing. 

The historical payment section is inaccurate. Account was listed as on time in XXXX XXXX and then 60 days late the next month XXXX XXXX. On time XXXX XXXX and then 60 days late XX/XX/XXXX. On time XXXX & XX/XX/XXXX. Then again late 60 days XX/XX/XXXX.
Consumer complaint received 2024-05-15
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. (AR)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 
Thanks, XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : Regional Acceptance XXXX Account name : XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX  XXXX has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 2024-05-15
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)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Consumer complaint received 2024-05-15
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. (NC)

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 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 2024-05-15
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)

I have been disputing these accounts for over a year. These accounts are reporting wrong. 

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 2024-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NJ)

I am submitting this complaint online to the Consumer Financial Protection Bureau regarding the inaccurate reporting of a charge-off on my credit report by XXXX XXXX XXXX XXXX . The account in question was established in XXXX, yet the charge-off is erroneously dated for XXXX. This misinformation is adversely impacting my creditworthiness and ability to access credit, housing, and loans. 

Additionally, I recently discovered that two payments {$600.00} on XX/XX/XXXX and {$43.00} on XXXXwere withdrawn from my account without my authorization. I request that these unauthorized payments be refunded promptly. Furthermore, the dates and comments associated with the charge-off on my credit report appear to have been manipulated, prolonging the negative impact on my credit history beyond the appropriate timeframe. 

Despite the adverse effects on my financial well-being, I did not receive any official correspondence or notification from XXXX XXXX XXXX XXXX regarding the charge-off or the unauthorized payments. Furthermore, I have faced financial hardship due to unemployment resulting from XXXX. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to rectify the inaccuracies on my credit report and ensure that I am refunded for the unauthorized payments.
Consumer complaint received 2024-05-15
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-05-15
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. (FL)

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 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XX/XX/year> approx XXXX XXXX  Location : BOA ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Logged into BOA ATM, entered PIN, selected " Deposit '' and " Cash ''.

Deposited stack of {$20.00}, {$10.00}, {$1.00} bills totaling roughly {$700.00}.

ATM began to count bills, froze after about XXXX seconds, screen went blank.

Error message showed, ATM returned debit card with no receipt or record of bills deposited. BOA committed theft via ATM.

Called customer service, waited XXXX minutes for a rep, rep transfered me to a department that was closed so the line would disconnect.

Called back, next rep confirmed agents purposefully transfer to closed departments to disconnect calls. Submitted a claim for temporary account credit.

Rep stated upon investigation funds may be totally removed if bills can not be verified. Rep stated investigation relies on ATM machine to count the bills, confirmed the machine is broken and shows broken on BOA side, so investigation outcome relies on a non-operational machine.

Called BOA Corporate number, voiced concerns, was told " we experience hundreds and hundreds and hundreds of deposit claims per day ''.

The evidence here shows BOA is committing theft via faulty ATM machines and purposefully establishes a reconciliation process that is 1 ) extremely time consuming to goodfaith customers and 2 ) relies on faulty equipment to ensure funds are not distributed to goodfaith customers. This is active theft.
Consumer complaint received 2024-05-15
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)

XXXX XXXX XXXX, transaction history reported on my credit report for XXXX and XX/XX/XXXX. Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF XXXX. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2024-05-15
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. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My report to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX/XXXX XXXX- XXXX XXXX true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX  XXXX- XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$1200.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$520.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXXN- XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX/XXXX XXXX- XXXX Claims true identity fraud/account fraudulently opened. 
XXXX/XXXX  XXXX- XXXX Claims true identity fraud/account fraudulently opened. 
XXXXXXXX XXXX XXXXXXXX XXXX Claims true identity fraud/account fraudulently opened
Consumer complaint received 2024-07-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX is willfully disregarding federal laws by not complying with the FCRA, which establishes boundaries, rules, and regulations. They have assumed the authority to collect and report information about me without obtaining my written or verbal consent. XXXX did not met simple points of XXXX XXXX compliance or simple rules of the FCRA. 15 U.S.C. 1681i mandates specific procedures for consumer reporting agencies to follow when a consumer disputes the accuracy or completeness of information in their credit report. XXXX failed to provide an exhaustive itemized timeline breakdown of their alleged investigation and reinvestigations. Which leads me to believe they simply used e-oscar automated systems and failed to make contact with anyone because they wouldve clearly seen all of the discrepancies. 15 U.S.C. 1681e ( b ) - Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Its impossible to ensure maximum possible accuracy when basic data fields are missing. Recent payment, Monthly payment, Original balance, Highest balance are missing along with random ND ( no data ) remarks in between months that have data, very noticeable inconsistent contradictory payment histories. Thats automatically a contradiction. Please update the information for these basic data fields or remove these accounts from my consumer report immediately!
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (FL)

Hi on XX/XX/2024 I sent a letter to experian regarding a request to investigate anything inaccurate or incorrect and responded back with a stall letter on XX/XX/2024 saying it was not me and from a third party I mailed this from my own house not sure why they think Im a third party when Im trying to fix my own credit trying to get these inaccuracies fixed so I can buy a home car ect
Consumer complaint received 2024-05-15
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. (MO)

All of my XXXX student loan accounts on my credit report are showing 90 days late in XX/XX/2020. They are not showing 60 days late in XXXX or 30 days late in XXXX. I did not have a payment due at that time to the best of my knowledge. I contact them and they simply added a comment to the credit report saying the " dispute is settled-customer disagrees ''. I don't believe they actually looked into it and refused to update my credit report.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

The advertised interest rate was not honored. I opened an XXXX XXXX XXXX account because of promised interest rate of 4.5 APY ( 4.4 APR ). However, the bank credited less interest for the month of XXXX. It was because of an issue on their system. It took few days to rectify the issue. During this period, I was given a very low interest rate. When I tried to contact the bank multiple times regarding this issue, they didn't respond as promised. Please find in the attached document that the APY ( 4.24 % ) is less than the APR ( 4.4 % ). This is because of the issue I mentioned above.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account
Consumer complaint received 2024-05-15
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. (GA)

Pursuant to ( 15 U.S.C. 168i ( 7 ) - A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Pursuant to FCRA 611 ( 15 U.S.C. 1681 ( I ) ) reinvestigate the inaccurate items on my credit report and verify the SOURCE of information used in order to return a " verified '' response or delete all the inaccurate items on my credit report. 

Experian never contacted the FTC to verify the underlying facts in the identity theft affidavit. Experian failed to disclose the source of their initial 'verified ' response and should DELETE inaccurate items from the credit report. Experian is responsible for compensation for all credit denials attributable to the contested inaccurate items in question for willful noncompliance and negligent noncompliance with the FCRA. 
EXPERIAN DID NOT CONDUCT A PROPER AND LAWFUL INVESTIGATION UNDER FCRA 611 ( 15 U.S.C. 1681 ( I ) ).

PROVIDE THE METHOD OF VERIFICATION WITHIN IN 15 BUSINESS DAYS or DELETE THE INACCUATE ITEMS : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.