davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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. (GA)

Subject : Request for Validation of Bankruptcy Information Dear Experian, I hope this letter finds you well. I am writing to request validation of the bankruptcy information that is currently being reported on my credit report. I recently obtained a copy of my credit report and discovered that there is a bankruptcy listing present. In order to address this matter accurately, I kindly request that Experian provides me with the specific details regarding the bankruptcy, including the method through which this information was obtained. 

Please provide the following information : Date of Bankruptcy Filing Bankruptcy Case Number Court Name and Location where the Bankruptcy was Filed Full details of the Bankruptcy, including the type ( XXXX XXXX XXXX XXXX, etc. ) Additionally, I would like to know the method through which Experian received this bankruptcy information. It is essential for me to understand the source and accuracy of the information being reported on my credit file. 

I am making this request under the Fair Credit Reporting Act ( FCRA ) Section 609. According to this section, consumer reporting agencies are required to provide consumers with the information in their file and disclose the sources of the information upon request.

I kindly request that Experian responds to this inquiry within the 30-day timeframe as mandated by the FCRA. If it is determined that the bankruptcy information is inaccurate or can not be verified, I request that Experian promptly remove it from my credit report. 

Enclosed with this letter, please find copies of documents supporting my identity, including a copy of my driver 's license and a recent utility bill. I appreciate your prompt attention to this matter and look forward to receiving the requested information. 

Thank you for your cooperation in resolving this matter promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-04-26
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. (GA)

Subject : Request for Validation of Bankruptcy Information Dear Experian, I hope this letter finds you well. I am writing to request validation of the bankruptcy information that is currently being reported on my credit report. I recently obtained a copy of my credit report and discovered that there is a bankruptcy listing present. In order to address this matter accurately, I kindly request that Experian provides me with the specific details regarding the bankruptcy, including the method through which this information was obtained. 

Please provide the following information : Date of Bankruptcy Filing Bankruptcy Case Number Court Name and Location where the Bankruptcy was Filed Full details of the Bankruptcy, including the type ( XXXX XXXX XXXX XXXX, etc. ) Additionally, I would like to know the method through which Experian received this bankruptcy information. It is essential for me to understand the source and accuracy of the information being reported on my credit file.

I am making this request under the Fair Credit Reporting Act ( FCRA ) Section 609. According to this section, consumer reporting agencies are required to provide consumers with the information in their file and disclose the sources of the information upon request.

I kindly request that Experian responds to this inquiry within the 30-day timeframe as mandated by the FCRA. If it is determined that the bankruptcy information is inaccurate or can not be verified, I request that Experian promptly remove it from my credit report.

Enclosed with this letter, please find copies of documents supporting my identity, including a copy of my driver 's license and a recent utility bill. I appreciate your prompt attention to this matter and look forward to receiving the requested information.

Thank you for your cooperation in resolving this matter promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-02
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. (IL)

THE REFERENCE ACCOUNT ( XXXX XXXX ) ACCOUNT # XXXX THE VEHICLE WAS REPOSSESSED BY XXXX IN THE STATE OF ILLINOIS ON XX/XX/XXXX AND RESOLD ON AND THE XX/XX/XXXX. I WAS NEVER NOTIFIED OF A SALE OR BALANCE. 
UNDER THE LAWS OF15 USC 1681 & UCC 9.506 AND ILLINOIS STATUTES, A DEFICIENCY CAN NOT BE DETERMINED OR CLAIMED UNLESS ALL OF THE REQUIRED NOTICES WERE PROPERLY AND TIMELY GIVEN, AND A ALLOWABLE REDEMPTION AND CURE TIME LIMITS WERE ADHERED TO. 
PLEASE PROVIDE COPIES OF LEGAL NOTICES AND PROOF OF THE COMMERCIALLY REASONABLE MANNER OF RESALE OF THE SUBJECT VEHICLE. 
IF NO SUCH PROOF IS PROVIDED WITHIN 14 DAYS FROM RECEIPT OF THIS NOTICE, THE ALLEGED CLAIM OF DEFICIENCY WILL BE CONSIDERED NULL AND VOID, AND ANY CONTINUED COLLECTION ACTIVITIES, OR CONTINUED REPORTING OF THIS INVALID CLA OF THE FDCPA AND FCRAIM ON MY CREDIT REPORT WILL BE CONSIDERED A VIOLATION. 
IN ADDITION IF YOU SEVERALLY FAIL TO COMPLY WITH THE ABOVE REQUEST, I RESERVE THE RIGHT TO SEEK DAMAGES AGAINST ALL PARTIES, UNDER ALL AVAILABLE STATE AND FEDERAL STATUTES.
Consumer complaint received 2024-04-28
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. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-06-12
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)

I am writing to file a complaint against Experian for inaccurately reporting late payments on my student loans, which is in direct violation of the XXXX XXXX. According to the XXXX XXXX, " During the period that payments on federal student loans are suspended by the Department of Education, any payment that has been suspended is to be reported as if it were a regularly scheduled payment made by the borrower ''. 
This time period for the cares act spans from XXXX XX/XX/XXXX. 


Despite this provision, Experian has reported my student loan payments as late, which has significantly damaged my credit score. This incorrect reporting is heavily impacting my life, making it difficult for me to secure housing and other essential services. 

Acct XXXX is showing late payments from XXXX XXXX. 

I have disputed this account many times since XXXX, and have asked Experian to investigate this many times. 

I request that the CFPB intervene and ensure that Experian corrects this error by removing all late payments for this account from my credit report immediately.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is about the fourth or fifth time now in the year XXXX, I keep telling the bureaus they are listing inaccurate information or incomplete but they only delete certain items not all. Here are more details on the accounts that should be deleted! 

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediately. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or was opened without my permission. 
XXXX XXXX  Balance : {$5300.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NJ)

On XXXX I missed a phone call supposedly from Wells Fargo a voicemail was left claiming that they was a suspicious activity on my account but it was declined and that I should call the bank I did and everything seems to be fine, the next day I receive an email starting that my account was overdrawn by over {$1700.00}, I call Wells Fargo bank and was told it was a purchase from a hospital in XXXX and that they had to wait until the amount of {$3700.00} either cleared or declined before they can do anything, they credit my account back for the {$3700.00} but then I received a letter starting that their investigation showed that either I did the purchase or that I give permission and that they will be taking the money back. I called the claim department and was given the run around, one representatives told me that it was out of Wells Fargo hand and that it was visa who made the decision, and that they couldnt find any information on the merchant, I was told that I am responsible for protecting my account and that they can not give me any information on visa. I am a single mom of XXXX children, I work and go to XXXX school full time, I can not afford to lose that much money. This is causing me a lot of emotional distress. I appreciate all the help. Thank you.
Consumer complaint received 2024-04-26
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. (CO)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-11
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. (MS)

I have been trying to get housing and have been unable to due to the negative items on my account credit reports through the following credit bureaus : Experian, XXXX XXXX, and XXXX. I have disputed all these negative items redundantly without proper investigation. The negative items include : Collection Accounts from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' There should not be any damages on my account. It is a declamation of character. 
These damaging items have preventing me from obtaining housing, growing my business as a professional, obtaining better employment, and credit needed to be successful and to take care of my family,
Consumer complaint received 2023-10-29
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. (TX)

I am writing to dispute unauthorized inquiries that appear on my credit report. I recently reviewed my credit report and found inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX that I did not authorize. These inquiries were made on [ date of inquiry was XX/XX/ for XXXXXXXX XXXX  ], [ date of inquiry was XX/XX/ for XXXX XXXX XXXX XXXX  and [ date of inquiry was XX/XX/ for XXXXXXXX XXXX XXXX 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute unauthorized or inaccurate information on my credit report. I request that you initiate an investigation into these inquiries and remove them from my credit report if they are found to be unauthorized.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Date : XX/XX/year> Subject : Complaint Against Citizens Bank Extended Hold on Federal Tax Refund Deposit Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, and I am filing a formal complaint against Citizens Bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) regarding an extended and unreasonable hold they have placed on my federal tax refund deposit. 

Summary of events : On XX/XX/year>, I opened a new checking and savings account at Citizens Bank. I deposited my federal tax refund check in the amount of {$31000.00} into this new account. 

Citizens Bank 's written policy states that funds deposited from the US Government are subject to the following availability schedule : First business day : Up to {$5500.00} available Sixth business day : Remaining funds available Despite this policy, I have been unable to access any portion of my federal tax refund. I have visited the branch and called customer service multiple times to request that my funds be made available, but the hold has been continually extended. As of today, XX/XX/year>, a full month after my deposit, the bank is still refusing to release my funds. 

Impact : This extended hold is causing severe financial hardship. I am unable to pay my rent, feed my family, or cover essential expenses. I have explained my urgent need for these funds to the bank, but they have not shown any willingness to resolve the situation in a timely manner. Furthermore, they are making it difficult for me to close my account. 

Desired Resolution : I request the following : Immediate release of the full amount of my federal tax refund ( {$31000.00} ). 
Compensation for any financial losses or overdraft fees incurred due to the bank 's actions. 
I believe Citizens Bank has violated their own written policy and has caused me undue financial stress. I hope the CFPB can help me resolve this matter and hold Citizens Bank accountable. 

Documentation : I am prepared to provide the following documentation : Copy of my government-issued ID Account opening documents Deposit slip for the federal tax refund check Correspondence with Citizens Bank regarding the hold Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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. (NY)

I recently reviewed again my credit report and it still shows unverified and inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2022-11-25
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. (TN)

On XX/XX/2022 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-26
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX  - XXXX XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX  - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX- XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX :
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX is reporting information all of my credit files that is inaccurate. Per 15 USC 1681e ( b ) Accuracy of Report, The date of opening this specified account with XXXX XXXX is showing XXXX different dates. 

My XXXX credit file is showing XX/XX/2019 as the date the account was opened. XXXX is showing that my account was opened on XX/XX/2019 and EQUIFAX is showing that my account was opened on XX/XX/2019. 

This tradeline needs to be removed immediately because of the willful, knowingly and egregious inaccuracies on all of my files. 

The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the consumers ' rights by following the FCRA and the FDCPA. I am asking the CFPB to due the job and facilitate this issue so I can regain my financial freedom.