davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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. (AL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-05-29
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. (CA)

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.

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.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated rights. 

15 U.S.C. 1681 section 602 ( A ) states I have right to privacy.

15 U.S.C. 1681 section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing 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. S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Please see the attached e-mail from XXXX XXXX. They confirmed this account is not my responsibility and it is not my fault or account. Please remove this from my credit profiles. 

XXXX XXXX -- {$1900.00} XXXX XXXX XXXX XXXX {$1300.00} This is for my credit account : SSN last 4 : XXXX DOB : XX/XX/XXXX XXXX XXXX Corporate Ridge XXXX XXXX, XXXX, V A XXXX
Consumer complaint received 2020-12-22
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. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (IA)

I have called both XXXX, XXXX to fix this issue. XXXX advised me to call XXXX, while XXXX told me to call the XXXX XXXX XXXX myself to report it. This has been going on for almost a year. The documentation I have said the credit agency will be notified within 90 days of letter. I got the email last year in XXXX or XXXX. I need this removed. I have submitted a dispute with XXXX and all they do is just update the address and my payment status.
Consumer complaint received 2024-05-29
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)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-06-24
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 am writing to formally dispute late payment remarks continuously appearing on my credit report. Please investigate and remove these remarks promptly. 

Upon reviewing my financial records, I discovered that there have been instances of late payments recorded against my account. I want to sincerely apologize for any inconvenience or concern this may have caused. I assure you that this was not intentional, and I take full responsibility for the oversight. 

I understand the importance of maintaining a good payment history, and I am committed to rectifying this situation promptly. To ensure that such occurrences do not happen again in the future, I have taken the necessary steps to implement better payment tracking and reminders.
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/, I purchased three chocolate bars from XXXX XXXX XXXX 
They do not accept credit cards online and requested payment as a XXXX payment. 
They provided a XXXX name and phone number to send the payment to. 
I paid {$50.00} per chocolate bar plus {$30.00} shipping, {$180.00} total. I never received the order and have tried to contact the merchant at the phone number provided for the XXXX payment and it is no longer a valid phone number. I have also tried contacting them several times via email and have not received a response. I contacted my bank, Wells Fargo and they did an investigation and told me my claim for reimbursement was declined. Please note, the correspondence from Wells Fargo is addressed to XXXX XXXX, who is my husband. The Wells Fargo account connected to my XXXX is our joint account.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

{$50000.00} Fraudulent ACH transactions over XXXX period in XXXX : I am filing this complaint on behalf of my XXXXXXXX XXXX XXXX XXXX  and I am the Financial and Health Power of Attorney ( See attached documents ). Since your System Requires filling complaint for Others '', my mother must have a phone and an email address. She is a XXXX XXXX and does not have private phone, nor has she ever had an email address. I filled out the Complaint form as " myself ''. 

My mother was paying the bills and balancing her own checking account until XX/XX/XXXX. She had XXXX hr in-home care paying for a professional service, then we moved her into a XXXX XXXX in XX/XX/XXXX. At that time, I took over her checking account and started paying her bills. 

I noticed that unauthorized ACH debits were on her XXXX statement. In XXXX I started calling these companies that made the unauthorized ACH, but did not get anywhere because I was not my mom. I went to the PNC bank in the middle of XX/XX/XXXX and told me not to shut down the account, because if I shut down the account, they would not be able to help me with the unauthorized transactions. I asked the PNC Bank branch manager to see if the fraudulent transaction would be reimbursed. He said would look into the account. Because PNC kept giving the account overdraft fees, I decided, against PNC " will '' to close my mother 's account on XX/XX/XXXX. The PNC branch manager put in a request at a higher corporate level to refund 3 months of fraudulent ACH transactions. I filled a police report in XX/XX/XXXX ( See attached documents. In XX/XX/XXXX I had another meeting with the PNC bank manager, and he said a Report was filed with corporate and he is still waiting for a response. The XXXX XXXX XXXX detective in XX/XX/XXXX, said he has many leads, a person of interest identified, and XXXX XXXX is involved because many ACH transactions accorded out of state of Illinois. I returned to the PNC bank in XX/XX/XXXX and asked if my XXXX yr old mother 's account will be covered by fraudulent activity, he said no. I contacted an attorney specializing litigation against banks, he said if it's not more than $ XXXX, then the case is too small. {$50000.00} would pay for 5 months in her XXXX XXXX, that's a lot of money. The XXXX XXXX XXXX detective confirmed we may get someone prosecuted and convicted but may never see any reimbursement.
Consumer complaint received 2024-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I found XXXX ( XXXX ) hard inquires that were inaccurate of my credit report. I did not authorize anyone to run my credit for anything. The companies are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX. Please investigate this matter.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XX/XX/XXXX I payed for capital one later on XXXX their still reporting late payments amounts XXXX consumer My car was wrecked in XXXX of XXXX I have given the insurance company full coverage of this vehicle its no longer in my possession
Consumer complaint received 2019-07-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC. (OH)

I went into the sun trust bank and talked to XXXX regarding my dad being deceased. I told him just informing them of deceased he called the mortgage department and than started demanding payment from me ... I told him I have no money I am not taking responsibility of debt.
Consumer complaint received 2024-05-29
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 WANT ALL INFORMATION AND ACCOUNT REMOVED ASAP AND $ XXXX in lost wages!! I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT, I HAVE BEEN UNEMPLOYED FOR ALMOST XXXX YEARS, NO CAR, NO HOME  OR RESOURCES AND UPLIFT HAS CAUSED ME HOMELESSNESS, NO CAR, NO RESOURCES AND NO EMPLOYMENT, ETC. THEY HAVE BEEN WARNED!!!
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-05
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. (NY)

Make a validation with all of theinformation Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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. (GA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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 am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. I have diligently pursued the removal of fraudulent items from my credit report. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 
These persistent inaccuracies have caused significant stress and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. 
Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that are inaccurate.

This agency is in violation of 15 USC 1681i, in your response to my dispute you claimed that the account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you have validated inaccurate information and this account is hereby disputer.

The information on this account being furnished on my consumer report in fact is inaccurate.

15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based of the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting!

DELETE this account from my consumer report XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I entered the loan modification with XXXX XXXX XXXX XXXX. The checks were supposed to be automatically debited and for some reason this associate mustve input the wrong check number therefore causing the check to get returned this is not my fault and then reported it being late I have resubmitted to avoid this error and submitted a copy of the check along with the date as soon as I was notified that the payment was returned. This is an error and, the late payment stated in XX/XX/XXXX and the late payment in XXXX should be removed and updated as current
Consumer complaint received 2024-05-29
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. (IL)

I called the company about them not putting money on my account when I paid them. I talked to 2 women from the company who told me that they owe me money because I over paid. 
The card was for XXXX dollars. Well when I looked at my statement it read like this XXXX. So I would make a payment of XXXX. I sent in over XXXX dollars in payments. The ladies I talked to told me I was owed XXXX dollars. Then when my next statement came. It was the opposite. They said I owed them. Now my card got ruined so I ordered a new one. So when I called them to discuss the issue. They wouldn't listen nor could you understand them. I told them to fix the issue or I was going to cancel my card. 
The line went dead. They hung up on me. I received my new card and tried to use it and Denied. That's when I found out they canceled my card and closed my account. They still owe me money and are still sending me bills that I do not owe them. I broke down every number in my statement to show them that they owe me money and they refuse to believe it.