davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

See attached sent certified XX/XX/2024 I recently reviewed my credit report and found that it still contains inaccurate accounts. Despite contacting you multiple times, I have not received a satisfactory response or resolution. I request an explanation of the procedures and methods you used to verify these accounts as accurate, as permitted under FCRA Section 611. If records exist, I request copies under the FACTA Act, SEC 312 ( b ) and ( c ).

This letter also serves as a formal complaint regarding your failure to address my previous requests and to maintain reasonable procedures to ensure maximum possible accuracy in your credit reports. I was a victim of identity theft and have informed you of this matter multiple times. My credit report shows many inaccuracies resulting from this identity theft. 

This account is 100 % inaccurate and false because the account is unknown to me. As required by Section 611 of the Fair Credit Reporting Act, 15 U.S.C 1681i ( copy enclosed ), I request that the adverse information on these items be removed to correct my credit report. This is not an attempt to request a block that was made in error, nor is my request based on a material misrepresentation. I did not knowingly obtain, nor should I have known that I obtained, possession of goods, services, or money as a result of any transactions I am seeking to block.
Consumer complaint received 2024-05-16
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. (MS)

Enclosed, please find supporting documents regarding my formal complaint against XXXX XXXX XXXX regarding an issue I encountered while attempting to address an unauthorized inquiry on my consumer report. The matter in question pertains to a Notice of Dispute that I attempted to send to XXXX XXXX XXXX but was returned to me due to an invalid forwarding address listed as contact information on my report. 

On XX/XX/2024, upon reviewing my consumer report, I discovered an unauthorized inquiry made by XXXX XXXX XXXX. Concerned about the implications of this inquiry, I promptly decided to file a Notice of Dispute as per my rights under the Fair Credit Reporting Act ( FCRA ). However, my attempt to reach XXXX XXXX XXXX through the provided contact information were futile as the correspondence was returned to me citing an invalid address. Enclosed are the following supporting documents : 1. Listing of unauthorized inquiry on my consum
er report.

2. Notice of Dispute 3. Proof of undeliverable correspondence indicating the invalid address provided by XXXX XXXX XXXX. 

These documents serve as evidence of the challenges I faced while attempting to address this matter with XXXX XXXX XXXX. It is alarming to realize that the contact information listed on my consumer report, purportedly belonging to a reputable financial institution like XXXX XXXX XXXX, is outdated or invalid. Such oversight not only obstructs consumers ' ability to address issues promptly but also raises questions about the reliability and accuracy of the information provided by credit reporting agencies. 

Moreover, the unauthorized inquiry made by XXXX XXXX XXXX adds further distress to this situation. As a consumer, I expect transparency and accountability from financial institutions regarding any inquiries made on my credit report. XXXX XXXX XXXX ' failure to provide a valid contact address impedes my ability to address this matter efficiently and protect my rights as a consumer. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to ensure that XXXX XXXX XXXX updates their contact information promptly to facilitate communication with consumers. Additionally, I request that measures be taken to address the unauthorized inquiry on my consumer report and prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take necessary steps to uphold consumer rights and hold financial institutions accountable for their actions.
Consumer complaint received 2024-05-16
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)

On XX/XX/year> I reached out to the credit reporting company Experian I explained to them that an account that was being reported was incorrect and inaccurate information. I asked that they validate this reported account with a copy of any documentation bearing my signature with the reporting company. in XXXX of XXXX  I received a response stating verified and updated. I then sent a second letter on XX/XX/year> again explaining that the account was inaccurate and incorrect and demanded it be deleted. Letting them know they had not provided me with any documentation bearing my signature and further that the methods of validation ( E-Oscar ) or any automated verification was unacceptable, even reminded them of 15 US code 1692g. Again, they responded with verified and updated. I have tried several attempts for Experian to remove this inaccurate and incorrect account or provide me with a contract bearing my signature to the remained inaccurate and incorrect account and I have not been successful. Therefore, I am now taking action to file a complaint.
Consumer complaint received 2024-05-16
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. (LA)

I submitted a complaint against the credit bureaus XXXX days ago for failing to conduct a proper investigation into incorrect information being reported on my behalf. XXXX  days has passed and they still have not completed their investigation and my credit report remains the same. I have contacted both them and the furnishers and have not gotten anything corrected.
Consumer complaint received 2024-05-16
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. (CA)

I HAVE SENT SEVERAL DISPUTES to REMOVE THESE HARD INQUIRIES ON MY CREDIT REPORT. THESE INQUIRIES ARE NOT FROM ME and I WANT THEM REMOVED RIGHT NOW! 

XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. " [ FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from XXXX XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, not later than XXXX business days after the date of receipt by such agency ] INFORMATION NEEDED : Full Name : Social Security Number : Date of Birth : Current Address : Primary Contact Number : Email :
Consumer complaint received 2024-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 on 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. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-16
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. (CA)

The XXXX currently reflected on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no XXXX XXXX XXXX associated with this case. Without a judgment, there can be no valid case. 
It is imperative that you promptly remove this account from my credit file. The XXXX  XXXX XXXX case number XXXX should be deleted immediately as it is fraudulent. Failure to rectify this situation and continue reporting inaccurate information will compel me to pursue legal action. I have consulted with my attorney, and if the matter is not resolved within XXXX  days of this letter, legal action will be initiated.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've consistently made timely payments on this account, ensuring they are never overdue. However, I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2016-11-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

We have requested that Wells Fargo provide a lien release for a deed that has never be used and has a XXXX balance. Wells has closed the account because the account holder has died, and the Estate is trying to sell the property by Friday XXXX/XXXX/16. We have tried in vain to get Wells to provide the lien release document XX/XX/XXXX, we really need this document by XXXX/XXXX/16, we have extended the closing several times, and we are now facing the loss of this sale without that document. 
Please help with securing this lien release document from Wells, we are at our wits end and beyond XXXX!!
Consumer complaint received 2024-06-07
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. (NV)

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed them. Please delete these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
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)

This account has been updated on my XXXX XXXX report by the XXXX as never late. They took the XXXX day late payment off when i proved it was a banking error. But Experian is refusing to report the correct payment history. Did a rushed quick investigation and reported the same XXXX day late. This has been taken off my payment history as per XXXX 
This account needs to be updated to reflect NEVER/LATE. as it is on my XXXX XXXX credit report. Below dispute results by Experian DID NOT FIX THE PROBLEM. 

The dispute for the account with XXXX XXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2024 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
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. (SC)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-16
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. (PA)

Hey my name is XXXX XXXX and I have notice that XXXX is reporting a Fraudulent account and on my consumer report. I respectfully ask for proof of this alleged account. And they couldnt provide any. Its been over XXXX days without a response. I respectfully ask at this point that this Fraudulent account be removed immediately. This is not a XXXX party filing this dispute.
Consumer complaint received 2024-05-16
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. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items I am asking you to verify as accurate. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-16
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. (LA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (AL)

I opened a Costco Citicard but decided I did not need it. I tried to close the account and thought I did ; however, later found out it was not closed. I tried contacting Citi bank multiple times but could not ever talk to a person or understand the phone prompt. Thinking the account was closed I did not realize there was a balance. Because of this, Citi was charging me late fees and interest. They sent threatening letters that made me realize it was not closed and the card had a balance. I feel like Citi discriminated against me and took advantage of me because of my age and not being able to access information on the phone or website. So now a {$110.00} charge has blown up into a {$190.00} bill.
Consumer complaint received 2024-05-16
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. (OH)

Hi I notice some unauthorize inquires, collection, close accounts, auto loans, student loans, personal loans, other accounts on my report and accordance with the FCRA ( fair credit report act ) Id like to have them remove immediately or pay and pay as agree in never late Pursuant to 18 USC 8, I owe no debt these company is violating my consumer right to privacy pursuant to 15 USC 1681 b 15 USC 1681 4 company has also no permission to report anything using my information these are close account thats late in not pay as agree they not minds capital one XXXX {$300.00} XXXX XXXX XXXX {$200.00} XXXX XXXXXXXX XXXX  XXXX {$700.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$500.00} Auto Loan thats close and not minds XXXX XXXX XXXX XXXX {$20000.00} Student Loan thats not minds neither DEPT OF EDXXXX XXXX $ XXXX Personal Loan not minds XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$4500.00} XXXX XXXX its late its not minds and 15 USC 1681 A Late payment Other Account not minds XXXX XXXX XXXX {$240.00} XXXX Collection thats not minds XXXX XXXXXXXX XXXX  XXXX {$700.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXXXXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXXXXXX {$1000.00} AND XXXX Inquires Now what i want is proof of all the stuff im bout to write down 15 USC 1692g Validation of debt 15 USC 1692e false or misleading representation 15 USC 1692j furnishing certain deceptive form 15 USC 1681 A late payment RULE 1002 requirement of original 18 USC 1028A aggravated identity theft
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are accounts and debt collections on my credit reports that has someone else name on it and it's not me. My name XXXX XXXX XXXX, XXXX XXXX XXXX. Which I have proof of. There are debt collections and accounts the use the name XXXX XXXX XXXX XXXX. This inaccurate information is affecting my ability to obtain a health credit report. Please I ask you to investigate this matter and have all debts collections and accounts associated with the wrong information to be remove immediately. Please have the credit reports send me updated reports on this matter. Under the Fair Credit Reporting Act, the credit reporting agencies much only furnish accuracy information.
Consumer complaint received 2024-05-16
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. (PA)

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain creditXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
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 strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.