davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Subject : Dispute of Inaccurate Information and Unlawful Actions by XXXX XXXX  XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  regarding their persistent reporting of inaccurate information on my credit report and illegal activity with my XXXX XXXX  account XXXX XXXX Despite having previously disputed these inaccuracies with XXXX XXXX  directly, as acknowledged in their email dated XX/XX/XXXX, the errors persist, and the bank has engaged in additional unlawful activities. 

On reviewing my account statements for XXXX and XX/XX/XXXX, I discovered that XXXX XXXX  has erased these statements from my account, a clear violation of my rights and illegal under the Fair Credit Reporting Act ( FCRA ). This obstructs my ability to monitor my financial transactions and is unacceptable. 

Moreover, XXXX XXXX  is reporting a XXXX missed payment in XXXX and a XXXX missed payment in XXXX, both of which are inaccuracies. I have evidence of a payment of {$2100.00} made in XXXX and {$370.00} made in XXXX. It is clear that XXXX XXXX  has failed to update their records accurately and is misrepresenting my payment history. 

Furthermore, XXXX XXXX  erroneously charged off my account in XX/XX/XXXX, even though payments were being made. According to the law, a charge-off can only occur after XXXX  days of non-payment. XXXX XXXX XXXX premature charge-off is not only a violation of my rights but also indicative of their disregard for legal and ethical standards. 

In light of these egregious actions, I am including evidence of these illegal transactions and demand compensation of {$1000.00} for each illegal transaction committed. I also insist that XXXX XXXX  rectify the inaccurate reporting on my credit report, updating the account to " paid as agreed in full with no late payments. '' If XXXX XXXX  is unable to correct this information, I request the immediate removal of the account from my credit report. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX  for their violations. I appreciate your prompt attention to this issue and look forward to a resolution that upholds consumer rights. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
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 just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I attempted to initiate a wire transfer from my Wells Fargo Personal Checking account ( last XXXX XXXX ) to an external XXXX brokerage account which I own. The amount was & USD XXXX. The wire was imitated online with 2 factor authentication successfully. Shortly after I was contacted by Wells Fargo Fraud Detection, and asked a series of questions, to which I answered and was told the responses were acceptable. Then my online banking access was blocked. After contacting WF and requesting unblocking the account access and releasing the wire transfer, the funds were refunded back to the my WF personal checking account. This process has occurred 4 times, and I have not been able to successfully wire money to my other banking institution. This seems to be standard practice by Wells Fargo for large wire transfers.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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. (TX)

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 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 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (HI)

Our firm has an account with American Express. In XXXX of XXXX we mailed a check in the amount of {$26000.00} to American Express in XXXX XXXX, Texas. The check was cashed and it cleared our account. American Express told us they could not find the check. 

We contacted our bank and obtained copies of the front and back of the canceled check. The deposit information indicated that it was deposited in an account at XXXX XXXX. We contacted XXXX XXXX. XXXX XXXX confirmed that the funds were received by American Express. We provided the supporting information to American Express. On XX/XX/XXXX, XXXX XXXX in American Express ' Executive Office told me by telephone that the matter was resolved and that our account would be credited in the amount of {$26000.00}. The credit was initially applied and then, without any notice or explanation, the credit was reversed. 

We continued to communicate with American Express and complied with their requests for additional information. We supplied duplicate copies of the canceled check, a letter from XXXX XXXX confirming that the funds were received by American Express, and copies of our bank statements showing that the funds had cleared our account. 

On XX/XX/XXXX American Express asked us to fax a copy of a voided check so that they could confirm our account number and our bank 's routing number. We complied, faxed the requested information and sent a duplicate copy by email. The American Express representative ( XXXX ) told us that we would receive a temporary credit and that the matter would be resolved in about four weeks once our banking information had been confirmed. 

On XX/XX/XXXX we attempted to use our American Express card. We were informed that our card was frozen. We checked online and confirmed that, contrary to American Express ' promise no credit had been provided. 

We have made repeated, respectful requests to have American Express credit us for the amount that we paid in XXXX of XXXX. In each instance, American Express has assured us that the matter would be resolved and that we did not have to worry. Yet, they never follow through on their promises. It is undisputed that we made the payment and that American Express received the payment. We do not know why they refuse to credit our account for the amount of the payment and they have never provided a substantive explanation.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

I was scammed on XX/XX/XXXX, after a week they cleared and reopened my bank account on XX/XX/XXXX, then on XX/XX/XXXX they re froze my account and when I called they couldnt even explain as to why my account was frozen. I had multiple employees promise to call back with answers and never got a return call. By XXXX on XX/XX/XXXX they took all {$1100.00} of my va XXXX benefits, even though it wasnt even enough to cover the negative balance in my other account, they gave me not notification they were taking this money and then they locked me out of my account without warning and have still yet to contact me about the situation as of XX/XX/XXXX. Also, when I visited the branch in person, the branch manager told me they didnt do force pay with their accounts, so they never should have taken my money to begin with.
Consumer complaint received 2024-01-05
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. (MO)

I trust this letter finds you well. I am writing to express my continued frustration and dissatisfaction regarding the unresolved issues related to both a persistently late open account and an inaccurate late closed entry on my credit file. Despite numerous attempts on my part, these issues persist, causing significant distress and harm to my credit standing. 

I have diligently pursued the correction of these entries through multiple attempts, as outlined below Initiated contact with your customer service department to address the late open account issue. 
Follow-up communication after the initial inquiry did not yield a satisfactory resolution. 
Submitted written documentation and evidence to demonstrate the discrepancy in the open account. 


Reported the inaccurately labeled late closed entry on my credit file to your institution. 
Submitted a formal written complaint, including comprehensive documentation and evidence supporting the inaccurate nature of the late closed entry. 
Engaged in follow-up communication, providing any additional information requested and cooperating fully in the investigation process. 
Despite these concerted efforts, both issues remain unresolved, adversely affecting my creditworthiness and financial standing. This situation is not only causing significant inconvenience but also eroding my confidence in the accuracy and reliability of the information on my credit file. 

I implore you to conduct a thorough and expedited investigation into both matters and take immediate action to correct the late open account and remove the inaccurately labeled late closed entry from my credit file. Additionally, I request transparent communication regarding the steps your institution is taking to prevent similar incidents in the future. 

If these matters are not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issues to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to correct these late open account and remove the late closed accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$320.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly.
Consumer complaint received 2023-11-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TN)

I have XXXX, {$100.00} AMEX prepaid gift cards that I have tried using in various stores in person and online over the last few YEARS and have never been successful. I keep being told to try different places and eventually they will work, but honestly this feels like a frustrating experience that's embarrassing and will never work. I essentially have {$200.00} that can never be spent and I don't know what to do at this point.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX and Experian are reporting my student loans to be late. My student loans were NEVER late. My student loans has always been in deferment even when XXXX XXXX administration policy act was in place. Student loans can not be placed in Bankruptcy unless there is an hardship shown per XXXX XXXX administration policy. Make the necessary changes to correct these negative marks on my credit report regarding all my XXXX STUDENT LOANS. There is also car loans on my credit report that do not belong to me the following are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please fix these remove this incorrect information immediately!
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

This discrepancy is unacceptable and calls into question the integrity of your credit reporting process. This not only raises serious concerns about your bureau 's commitment to compliance with the law but also places an unjust burden on my financial standing. 

XXXX XXXX  XXXX PLEASE REMOVE!!! I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. 

If you have failed to verify the accuracy of the information, I demand that you take immediate steps to rectify this by engaging in a thorough verification process. The information in question is not only damaging but has been proven inaccurate by other credit bureaus. Promptly correct the inaccurate information on my credit report to accurately reflect my credit history. If you are unable or unwilling to verify the accuracy, I insist on the immediate removal of such information.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I've sent mail correspondence to XXXX  XXXX via mail and I've called them many times & spoke to supervisor but they said it's the law for them to report to consumer reports. 

The law states in 15 USC 6802d ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Funds were submitted to affect payment in full, the account was credited and the reversed. An agent from the bank agreed to return the check in return for a replacement check, instead the bank kept the check and began collections again. 

The bank shows no accountability for actions and continues to make false and misleading statement as well as deceptive practices.
Consumer complaint received 2024-01-05
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$230000.00}
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Companies has violated my rights under law 15 USC 1666b no law stating any transaction must be reported without my Privacy and consent.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XXXX transfer {$300.00} CONFIRMATION # XXXX received transfer {$300.00} REF # XXXX proof attached monies in account then after notification account on hold acct frozen and {$300.00} doesn't show under bank transaction activity but does under XXXX activity but even though show {$300.00} in transaction listing no - {$300.00} the frozen acct is showing overdrawn {$300.00} just disappeared. They won't pull up the account anymore so gave sender information & never got {$300.00} back from frozen acct even though they show overdraw as proud. This is $ $ sent due to customer 's mother passing and need fulpay for death certificates thus the transfer to frozen acct b4 they put hold on acct. This {$300.00} is not back in the account and $ $ is needed for funeral home. I made several calls, names, tickets and some proofs attachedd
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft, and it is both disheartening and infuriating that my credit report, a document integral to my financial well-being, has been tainted with fraudulent account. This is a blatant violation of my privacy and an egregious error that demands immediate and aggressive attention. 

XXXX XXXX XXXX  XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
Remove this unauthorized account from my credit report with the utmost urgency. Provide me with written confirmation of the removal and any supporting documentation related to the investigation. 
Failure to address this issue immediately will leave me with no option but to escalate this matter to the highest authorities, including reporting your lack of swift action to regulatory bodies and seeking legal counsel.
Consumer complaint received 2024-05-13
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The credit card issued by the BOA was not used for the last several years and that card was not even activated for use. In the meantime I have requested the BOA to close that account and a customer service representative told me that if the card in not activated and dormant for certain time, it will be closed or deactivated. 
However, I came to learn from my credit report that a charge has occurred in a credit card that has not been used for a long time and then I investigated and found out that the BOA Visa was changed for an unauthorized purchase. I immediately called the Credit card card services of BOA and reported that I don't recognize the transaction. 
Please see attached doc for additional details, which I have mailed to the respective department at least two times.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In accordance with the Fair Credit Reporting Act these creditors violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 US 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I request that you investigate this matter and, if appropriate, remove the disputed item from my credit report. The debt is not mine and i do not owe Jefferson Capital.

Please provide me with written confirmation of the outcome of your investigation. 

Thank you for your prompt attention to this matter.