davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
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)

ACCOUNT # XXXX XXXX I REQUEST YOU PROVIDE ME WITH PROOF OF THIS ACCOUNT BEING LATE. IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE, PLEASE UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE. 

PLEASE PROVIDE DETTAILED DESCIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION REPORTED.
Consumer complaint received 2023-12-27
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)

XXXX XXXX continues to willfully violate the law. Ive made XXXX XXXX aware on multiple occasions of the adverse, inaccurate information their furnishing on my credit file to the consumer reporting agencies. As a Creditor pursuant to 15 USC 1602 ( g ), XXXX XXXX has failed to submit proof of compliance with 15 USC 1666b and as a furnisher under the Fair Credit Reporting Act has failed to provide such compliance as sufficient evidence to support the conclusion that the late payment information, transactions and experiences being furnished on my credit file to the consumer reporting agencies is verified and accurate. XXXX XXXX has a duty to and is required to furnish accurate information to the consumer reporting agencies & takes its obligations to report accurately seriously, the evidence XXXX XXXX as made available is insufficient to establish the truth and verification of the disputed information. Under the statutory framework, XXXX XXXX as the furnisher must report that its investigation concluded that the disputed information can not be verified and must delete any mentions of the missed payments while continuing to report other information about the account. XXXX XXXX inability to comply with the law has caused me extreme emotional, physical and financial hardship. As a federally protected consumer, I am now revoking and opting out of any and all authorization I the consumer may have given XXXX XXXX XXXX, written, unwritten, verbal, and nonverbal in the furnishing of my nonpublic personal information, transactions and experiences to ALL consumer reporting agencies immediately & indefinitely per 15 U.S.Code 6802. Pursuant to 16 CFR 313.7 ( f ) & 12 CFR 1016.7 ( g ) a consumer may exercise the right to opt out any time. In accordance with 16 CFR 313.7 ( e ) & ( g ) & 12 CFR 1016.7 ( h ) & ( i ) XXXX XXXX must comply with the consumer direction to opt out as soon as reasonably practicable after receiving such notice and such direction to opt out shall be effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I have found a dispute with Wells Fargo because from XX/XX/XXXX to XX/XX/2022 I was incarcerated, I have been a victim of fraud. Someone has opened accounts everywhere with my credentials. I keep trying to have Wells Fargo understand that I was in jail and that I was nowhere near this or that, I am responsible for it, I have a couple of claims with him one claim they found me not to be guilty and the other one they found guilty, which makes no sense, the open two accounts, one ending on XXXX and another one ending on XXXX. We should both fraudulent. 
The claim number is XXXX XXXX. 

I am attaching a copy of my police report and incarceration proof and also the letter I just got from Wells Fargo where I am being denied my dispute.
Consumer complaint received 2024-07-18
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
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. (NV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-27
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. (VA)

Accounts in question : XXXX XXXX XXXX XXXX I mailed dispute letters to XXXX, Experian, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are received per my credit report stating, " account disputed by consumer ''. They never sent documentation of their investigation proving how they determined the accounts to be accurate. 
PER the FCRA section 623 & Regulations V a furnisher must not furnish inaccurate information to CRA, and that the furnisher ( credit bureaus ) must investigate a consumer 's dispute that the information is inaccurate or incomplete.

How is this being accomplished if documentation required by law is being honored. I requested.

1. An agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature, demonstrating my agreement to assume debt.

3. Valid copies of the debt agreement, clearly stating the exact amount of the alleged debt and any interest.

4. A complete and detailed payment history for this account, along with a comprehensive itemization of all additional charges being assessed. 

PLEASE DELETE THESE UNVERIFIED ACCOUNTS
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have incorrect addresses on my XXXX, equifax, and XXXX report that i have never been associated with i would like all of them removed from my credit report immediately due to FCRA all information must be true and accurate they are all listed Below XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH
Consumer complaint received 2023-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (WA)

I never received any notifications from collection attempts, this morning I got alerts from credit bureaus that a new collection had been added and that's how I found out about this account... I have not received any notification. The amount is {$370.00} which had I known about I would have paid in full to the creditor. I called the creditor and I am given account number : XXXX for the collections agency Receivable Management Services LLC RMS
Consumer complaint received 2024-04-09
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

Alot of things that is reported on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( 7yrs ), however still reporting on my credit. They are falsely reporting accounts that have been paid off and my credit score is Inaccurate. There are still Student Loans that were from XXXX still reporting on my account falsely. This is a violation of the Fair Credit Reporting Act. I have disputed many of these items and they are still reporting on my credit falsely.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MN)

Had a problem with a Company called XXXX XXXX with regard to getting a watch repaired. I cancelled the credit card charge for services rendered for XX/XX/XXXX. The problem was resolved and I received my watch back first week of XXXX, XXXX. Before getting my watch back the merchant asked if I would send a check for the amount of {$1800.00}. I agreed.Received a letter with a form to fill out from Chase bank wanting to know if the problem had been resolved and I said yes. In the correspondence I stated the bill had now been paid with a check, and I submitted a photo copy of the cashed check with the merchants bank. I asked chase to remove the charges.. Since that time I have sent out two other letters the last one being by certified mail. Each time I sent out proof the transaction was paid. I received a letter from Chase bank customer service dept. dated XX/XX/XXXX stating the transaction was valid.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me and has been listed in error. This account was previously removed from my credit report. It appears it has been sold and relisted.
Consumer complaint received 2024-05-02
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. (CA)

XXXX XXXX has reported inacuracies. many times of disputes and agreements they fail to detail conversations and fail to execute solution and leave my account in negative standing. I never received card in mail.and they report it late and negative remarks. They still haven't mailed new card and even after their dispute to be unauthorized they fail to update results and log details.company is intentionally hindering and being delinquent. this is effecting my life greatly I am disappointed with cfpb consumer services of advocacy and defensing against unethical practices
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (SC)

According to the IRS canceled debt MUST be reported as income when a consumer file taxes according to the publication XXXX ( XXXX  ), canceled debts, foreclosures, repossessions, and abandonments. 

This company is refusing to provide me with a 1099-C to report my income and they are refusing to DELETE the reported account from my consumer report which income is not apart of a consumer report.
Consumer complaint received 2024-04-09
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, 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. (SC)

i have contacted XXXX, XXXX XXXX Transunion about the many inquires on my account i do not recognize i informed them of how i have contacted each company and they could not provide me with any information. i did not authorize any pulling of my credit with these companys XXXX Credit Report XXXX XXXX XXXX, ( total of XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX, multiple XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX real XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-04-09
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)

XXXX XXXX sold a XXXX XXXX XXXX account ( with XXXX different account numbers : XXXX & XXXX ) to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, I was alerted by Experian that XXXX had reported the collection debt to Experian in my name ( XXXX XXXX ). I contacted XXXX to dispute to the collection debt and XXXX XXXX did not approve my fraud claim. I sent a letter ( dated XX/XX/XXXX ) to XXXX XXXX containing evidence to prove that my XXXX account may have been compromised on XX/XX/XXXX, the day the XXXX XXXX XXXX was approved in my name. I don't recall making any purchases with the card in question, but I did make payments on the card, because I thought I was making payments on my XXXX XXXX credit account ( # XXXX ), which was closed and paid in full on XX/XX/XXXX. XXXX has not sent me any documentation to prove that I applied for the XXXX XXXX XXXX and/or made purchases with the card. I hope CFPB can help resolve this matter in my favor, so the collection debt in the amount of {$3000.00} can be removed from my credit file. Thank you.
Consumer complaint received 2023-12-27
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. (FL)

I have ongoing issues with the credit bureau XXXX XXXX XXXX XXXX. Its an ongoing issue that the online dispute portal with XXXX XXXX always have an error message and never allows me to do disputes through the online portal system. Im always having to pay for stamps and having to mail out my dispute, which takes even longer, and every time I called to get help with the situation, my concerns are overlooked and then they want me to the dispute process over the phone with somebody usually in another country that is very rude. I want to be able to look at my credit report and dispute each item on my own like everybody else is allowed to. I dont know why Im singled out and I dont know why I cant get this issue fixed, I put a ticket in to receive an email to say the ticket was closed but yet no resolution was provided to me in the email which is further upset me. XXXX XXXX has gotten very lazy with her dispute process and they never take my concern. Seriously I have over 30 inquiries on my credit report that are all fraudulent and I dispute those and they dont get disputed thats a violation of the credit reporting act because theyre supposed to follow a protocol to disputing each item. Also, there is a collection report on my credit bureau that isnt mine that needs to be disputed. The account was a fraudulent account and I disputed it with a credit bureau and the merchant and done a identity report and try to dispute it again with XXXX XXXX but then they wont dispute it again. I need all negative items that are listed on my credit report disputed I dont know how much clearer I can be on that dispute each item whether its the bankruptcy inquiries negative accounts, I need all that stuff investigated and remove my credit report I meant Im getting tired of constantly having riding and begging to get somebody to help me and nobody wants to
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-09-16
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights. 


15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

On Sunday XX/XX/23 I tried to log into my bank account app. It showed a screen that said I needed to fill out this review or I would have my account restricted or closed. When I went to fill it out they are asking me very personal questions about my cash flow in and out of the bank. I have banked with them for 20 years and have never been asked these questions. I refused to answer and called them on Monday XX/XX/23. She told me if I don't answer my account will have the debit card frozen and the account will be closed. She refused to tell me why they want such specific information.
Consumer complaint received 2024-04-09
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)

On XX/XX/XXXX, I sent a dispute letter with a copy of the report stating all the inaccuracies in the report that I found, such as Transaction history with $ amounts, undeliverable addressed, and Incorrect late payments, certified mail to XXXX XXXX XXXX XXXX XXXX, Ca with return receipt. 
After 30 days XXXX action was taken on the report, so I called Experian and was able to remove the different name variations and Undeliverable addresses, and was told the rest of the disputes were still pending. 
After this phone call I sent certified mailed a second letter to Experian, sent to XXXX XXXX XXXX, XXXX, Texas. In this letter I stated, I have not given written consent for Experian to gather/share/or profit from my personal information in any way shape or form, and that this violation must be addressed within 30 days. I have found more than 13 inaccurate information at of XX/XX/2024, and received no response from Experian. 
However, 65 days after the first dispute letter, I sent a 3rd notice to Experian, notice to proceed with arbitration, delivered certified mail to XXXX XXXX XXXX, XXXX XXXX, Ca. This letter was sent first week of XXXX, and XXXX action has been taken to resolve these matters. I have not given written consent for Experian to furnish any of my personal information and have willfully non complied with all XXXX of my request.