davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-21
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. (CT)

I am writing to address an on-going issue of identity theft that continues to cause me frustration and disappointment in my interactions with your credit bureau XXXX In XX/XX/2022, I initially contacted your bureau to report a severe case of identity theft, which has significantly impacted my life, causing distress and hardship. Despite furnishing extensive documentation and supporting evidence to substantiate my claims, I have encountered a series of frustrating obstacles and delays in the resolution process. It is essential to reiterate that the burden of proof does not rest with me but with your bureau. Your responsibility is to conduct a thorough investigation into these matters and rectify the discrepancies that have caused me significant trouble. I use the term " nuisance '' to characterize your bureau 's response because, despite numerous attempts to engage with your organization, I have not witnessed the progress or resolution commensurate with the gravity of this situation. Now, I'd like this account DELETED from my report : XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX  Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.
Consumer complaint received 2024-04-25
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)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : 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 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 premission 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 2024-04-25
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. (LA)

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 informationisinaccurate.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX letter re : billing error sent re : consumer credit card per 15 USC Code 1666 ( a ) reporting discrepancy on my MORTGAGE balance and CFPB complaint was filed and no response. As of XX/XX/year>, a XXXX was accepted by the XXXX  for the amount of XXXX for the loan balance. XXXX XXXX was received from XXXX XXXX XXXX parent company of XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they have accepted the approved Copy B from the XXXX. Since a COPY B is considered an income, it should not be reported as delinquent as the amount will settle the mortgage as paid off with balance of XXXX.
Consumer complaint received 2023-11-07
Product: Credit card — Store credit card
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: WELLS FARGO & COMPANY (MN)

Wells Fargo reported me for late payments while having an active investigation as to why I was not receiving any mail or emails from them regarding my statements or when my payments are due. Upon disputing this they informed me that I have other ways I could have found out and paid the debt, to which I informed them I could not create an online account due to bank error with not having my social on my account. Once that was corrected I was able to. Because of these they reported me to collections and now my credit score has tanked for their bank error violating my UDAP rights by treating me different then other consumers. After this I requested to speak with a manager as my case worker just told me that I was wrong and she was right and theres nothing to be done from there. I have requested 5+ manager callbacks from Wells Fargo and have never once received a call from a manager to assist me in the matter. They have also ignored numerous complaints that Ive made and just ignored me while making them.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this complaint reaches you with a sense of urgency and concern, as it reflects the continued frustration and disappointment I have experienced in my dealings with your credit bureau. I initially contacted your bureau in XX/XX/ to report a severe case of identity theft that has caused significant distress and hardship in my life. Despite providing extensive documentation and supporting evidence to substantiate my claims, I have encountered a series of frustrating obstacles and delays in resolving this matter. I am compelled to label your bureau 's response as a " nuisance '' because, despite numerous attempts to engage with your organization, I have not seen the progress or resolution that one would reasonably expect in a situation of this gravity. Please have these accounts DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive tried reaching out to transunion over inaccurate information being reported. They responded once ( the first time ) out of the 3 times Ive reached out. They are reporting false information and it is affecting my process of buying my first home. I need this information that has already been unverifiable from the main source to be removed at once. I am going to attempt to send out a 4th letter with this complaint number attached in hopes they respond and remove this information.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

See attached CFPB XXXX full Complaint in PDF format for details. Summary : My account balances on the XXXX and US Dept of Educations websites reflect a XXXX balance after I was granted XXXX  forgiveness, but XXXX has failed to report such to the credit bureaus as stated in its own forgiveness notice. I have filed XXXX rounds of disputes with the credit bureaus to have this information updated to no avail. I am reporting this to the CFPB for XXXX  failure to appropriately report correct information.
Consumer complaint received 2024-04-26
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. ()

Upon examining my credit report, I found inaccuracies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these items. Failing to validate this reported items within the legal timeframe without providing evidence is not permitted. The following items listed on my credit report require investigation and correction due to inaccurate reporting : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$810000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} XXXX XXXX XXXX  XXXX Balance : {$810000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance XXXX {$41000.00} XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX Balance XXXX {$920.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$810000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$41000.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-04-26
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 sent a letter onto remove items that is UNKNOWN to me. I came across this law XXXX  and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX XXXX  days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my ongoing concern regarding an inaccurate late payment entry on my credit report, which HAS NOT BEEN CORRECTED DESPITE MULTIPLE REQUEST FOR RESOLUTION. This matter pertains to an alleged late payment of {$3200.00} on XX/XX/2022, as reported by XXXX XXXX with account # XXXX. I wish to emphasize that this late payment entry is in error, and I have provided substantial evidence demonstrating my consistent, on-time payments to XXXX XXXX XXXX Despite my previous communications and the supporting documentation I have submitted, the inaccurate late payment entry persists on my credit report. Please have this account REPAIRED : XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: GFS II, LLC (DC)

I contacted and informed the company that I was a victim of fraud and explained what I was disputing and the company claimed that they sent a letter to the 3 bureaus to have the hard inquiries removed but nothing happened.
Consumer complaint received 2024-04-26
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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: FIFTH THIRD FINANCIAL CORPORATION (CA)

My credit report is showing late payments to XX/XX/XXXX XXXX and IFTH THIRD BANK NA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (IN)

XX/XX/XXXX Approved for Citibank XXXX XXXX. Approved for {$9400.00}. 

XX/XX/XXXX Called Citibank said I never received a card. They said they would issue a replacement. 

XX/XX/XXXX Called Citibank and said I never received the replacement card. XXXX said a second replacement card would be sent. It was never received. 

XX/XX/XXXX Called Citibank and said I never received the second replacement card that was supposedly sent. At that time the agent said my address was incorrect in their system and a third replacement card would be sent. Talked to supervisor " XXXX '' who verified the information provided by the agent. 

XX/XX/XXXX Called Citibank and said I never received the third replacement card that was supposedly sent. XXXX was of no help. Transferred to supervisor " XXXX '' who told me the third replacement card was never sent as promised by " XXXX ''. He verified that the third replacement card that I was promised on XX/XX/XXXX had never, in fact, been mailed. He said the only thing that had occurred in their system on XXXX XXXX was an address change. WHAT???? He indicated he is now sending a third replacement card and offering a statement credit of {$100.00}. I asked to have the card expedited and he said they can't expedite new account cards. While I wait to see if they actually mail a third replacement card, I have to worry about someone using my credit and Citibank has been of no help. In fact, they suggested more than 3 times that I have nothing to worry about. He suggested I use the app to follow along but I can't do that because I have no idea what my credit card number is and can not track it. 
Honestly, ridiculous.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXX XXXX XXXX