davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-21
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. (MI)

XXXX XXXX OF XXXX XXXX XXXX XXXX, WI XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX XXXX XXXX   WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

EXPERIAN IS STILL REPORTING THIS INACCURATE INFORMATION AFTER I SENT THEM THE USPS POSTAL INSPECTION SERVICE REPORT FROM THE CRIMINAL INVESTIGATIVE DIVISION SIGNED BY XXXX XXXX, MANAGER AND COURT DOCUMENTS SHOWING THE ORDER OF A FINANCIAL CONSERVATOR AND REPLACING ME ON ALL FINANCIAL DECISIONS AND MY LOSS OF CONTROL OVER MY FINANCIAL ACCOUNTS.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Since XXXX, Ive notice that my account didn't reflect the amount that was being deposited, I've called in so many times to be told the same thing like they are reading just what is in front of them. The online banking have made several errors in calculating mt transaction, I've been told by a bank manager before in the XXXX XXXX  that I had too many transaction, I ve told her what does that have to do with anything thats a bank service, I don't understand. I have been dealing with this problem from Citi Bank for a very long time an I would like them to request a Audit from 2019 till now, I feel that you will fine this bank owes me some money cause I feel they have been ripping me off maybe before that date, but its time to get to the bottom of this situation. Please help cause I've tried on my own an having gotten anywhere.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-14
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. (TX)

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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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 XXXX XXXX ( an original XXXX XXXX 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 2019-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (FL)

I attempted to purchase from an online retailer on XX/XX/XXXX who claimed to use XXXX as a means of payment, as it was most safe. After receiving a confirmation number and not being able to contact the seller I contacted PNC bank, where I made the transaction, after getting suspicious on approximately XX/XX/XXXX and inquired about how XXXX works and asked to cancel the transaction. I was told to let the payment go through then to file a dispute. On XX/XX/XXXX I received a letter dated XX/XX/XXXX, reference # XXXX saying the dispute has been resolved and was denied. I called to request more documentation on why it was denied and was told all XXXX disputes are denied because of the nature of the payment.
Consumer complaint received 2024-05-14
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. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XX/XX/year> On or about XX/XX/year>, I reached out to Experian regarding the fraudulent activity on my account, specifically regarding the unauthorized opening of an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I promptly notified XXXX XXXX and XXXX XXXX of this fraudulent activity, urging them to close the unauthorized account and remove my information from their records. 

Despite my efforts, my credit score, as reported by Experian, has decreased from XXXX to XXXX as of today, falsely indicating that the unauthorized account was closed by the creditor on XX/XX/scrub>XXXX XXXX XXXX  This is inaccurate, as I had no involvement in any changes to my credit profile and consistently maintain timely bill payments. 

Given that I have diligently upheld a higher credit score throughout the year, I demand that my credit be adjusted accordingly. This discrepancy is particularly concerning as I am currently in the process of purchasing a home and require a credit score of XXXX or above to secure a lower interest rate. 

The disparity in Experian 's responsiveness, being slow to raise my score yet quick to lower it, is discriminatory. I urge for this complaint to be escalated to management for resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-14
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. (LA)

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 
15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( XXXX ) 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 tan XXXX years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 modity accounts tat isnt reporting correcuy.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my ZA instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX vears. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-14
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. (IL)

This issue is deeply concerning to me, as it is affecting my ability to sleep. Considering my consistent history of timely payments, I urgently request an immediate update to my account to alleviate the distress it is causing.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

To Whom It May Concern, XXXX XXXX XXXX, account # XXXX, account is reporting inaccurate late payments to all 3 credit bureaus. They are stating the following inaccurate information, due to the FCRA this is a violation, please see below. 
Account # XXXX, Open. {$2900.00} past due as of XX/XX/2024. I have never been late on this account.

Late payments are showing on my account and credit profile, from the date which is actually Illegal Pursuant to 15 U.S.C s 1666 ( B ). Please remove the account
Consumer complaint received 2024-05-14
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXX/XX/XXXXXX/XX/XXXXI looked at my Experian 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 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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 2024-05-14
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. (VA)

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. 

Account : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX was already removed from my Experian report because they failed to provide proof of this account being mine, but XXXX and XXXX are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. 

Account : XXXX XXXX  Account Number : XXXX Account : XXXX XXXX Account Number : XXXX  They also violated 15 USC 1681 i ( 5 ) Can you look into this?
Consumer complaint received 2019-04-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I maintain a business savings account with CapitalOne - an online bank. On XX/XX/XXXX, I received an email requesting personal information that I assumed was NOT from the bank. Among other things, the sending address included " salesforce. '' I called the bank and explained what I received and they confirmed it was not from them. I asked if they needed the personal information requested in the email, and was assured they had what they required for my account. The customer service agent asked me to forward the obviously " phishing '' message to < XXXX > which I did and heard nothing further until ... 

6 weeks later I received an identical message, ostensibly from CapitalOne but once again with " salesforce '' in the address. I once again forwarded it to < XXXX > and heard nothing until receiving a final email on XX/XX/XXXX informing me my account had been closed because I hadn't complied with their request. 

I called the bank and spoke with a supervisor who had no explanation for what had happened. I asked to speak with someone who handled cyber security - I am a technology professional - and was told that it was not possible. 

I asked for an immediate check for by account balance, but have not received it.
Consumer complaint received 2024-08-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (OH)

I have contacted Mohela on several occasions because they are reporting my student loan twice with XXXX different balances. Each time I spoke with them and requested that the information be corrected they keep telling me that they are not reporting it twice, even though I have provided proof from my credit report that they are. I have attached a screenshot of the reporting on my credit report. You will see that they reporting it multiple times with two different balances. This needs to be corrected immediately as I am trying to apply for a home loan within the next two months and need the balances reported correctly.
Consumer complaint received 2024-05-14
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)

Dear XXXX XXXX and consumer reporting agencies, I hope this message finds you well. 

I recently discovered an error in my recent dispute filings regarding inquiries from XXXXXXXX XXXX XXXX. While I'm actively addressing fraudulent inquiries on my report, I want to clarify that my XXXX XXXX inquiries are accurate and valid. XXXX XXXXXXXX Account XXXX XXXX Upon reviewing the copies of my submissions, I realize this was an unintended mistake on my part. I do not want to close my credit card and want to continue making on time payments. If you have any questions please call me at XXXX. I attached a copy of a utility bill and bank statement as proof of address. I have been doing great business with XXXX XXXX and would like to continue to do so. 

Thank you for your attention to this matter. 

Warm regards, XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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 recently reviewed my credit report and have identified inaccurate item that is erroneously reported : XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, I request that this item be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this item with the respective creditors who have reported it. Any information that can not be verified by the creditor should be expunged from my report. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the receipt of this letter.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-14
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. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please take a look at the attached letters and ID docs for verification. The stuff on my credit report is wrong.
Consumer complaint received 2024-08-31
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. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I was in the fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late in payment I have attached a copy of my report to this complaint on the following date - XX/XX/XXXX. 
Im now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

Td bank allowed someone to access my account fraudulently via multiple phone calls and allowed them to initiate voice recognition changes. There were multiple transactions made without my knowledge that were clearly fraudulant and very untypical of the banking that had taken place over the last 20 years. Then a large fraudulent purchase was made in another country with these funds. Td bank failed muliple times to alert me of this unusual type of transaction
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I 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.