davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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)

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX, XXXX, and Experian for their failure to properly investigate and correct an inaccurate late payment reported on my XXXX XXXX XXXXXXXX credit card account ( Account Number : XXXX ). Despite providing ample proof over the past two years, including bank statements and receipts, my legitimate claims have been disregarded. 

Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Credit Limit : {$6500.00} Highest Balance : {$7000.00} Payment History : 30 days past due as of XX/XX/XXXX I have only one reported late payment, which is the XX/XX/XXXX payment on this account. I have repeatedly submitted proof to XXXX, XXXX, and Experian that this reported XXXX late payment is inaccurate. Specifically : XXXX XXXX : I have provided my XXXX XXXX  XXXX bank statement for XX/XX/XXXX, which clearly shows that the payment was made on time. Additionally, I paid inside the branch with a teller, ensuring timely processing. 
Metro 2 Compliance : As per Metro 2 guidelines, this payment should have been accurately reported. The continued misreporting of this payment constitutes a violation of these standards.

Lack of Investigation : Despite my numerous attempts and providing comprehensive documentation, the credit bureaus have not conducted a thorough investigation. Their persistent failure to correct this error suggests potential bias, as they may benefit from maintaining negative information on my credit report.

This inaccurate reporting has severely impacted my credit score and, consequently, my financial well-being. I have already escalated this issue to legal counsel and intend this as my final attempt to resolve the matter amicably before pursuing further legal action.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2024-05-22
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: Experian Information Solutions Inc. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (WV)

I have made a purchase product has being received the payment, bluebird consumer services held my money and declined me the funds that was in my prepaid card several times. I feel my right is being violated. I am reporting this unlawful action against me
Consumer complaint received 2024-05-22
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 feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to lead a normal life. 
The negative impact of these inaccuracies has caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 
It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file, so I may regain control over my financial well-being. 
I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 
Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-05-22
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts that XXXX, XXXX, and Experian are putting on my report, removed immediately.
Consumer complaint received 2019-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (OH)

I'm writing this letter on my behalf, regarding my hardship denial. I am aware that I was denied due to my hardship not being turned in on time. The basis of my complaint is there were several different representatives that were providing contradicting information on the proper protocol and exact instruction and nature of the hardship appeal process. The offset was posted on XX/XX/19. I had within 30 days to have that in and you received my hardship on XX/XX/19 3 days after. Upon my request for the hardship I spoke with more them 1 representative on the day of XX/XX/19. Trying to get clarification on the process because I was told something different each time. The original offset letter was sent to the wrong address twice interfering with the 30 days I had to submit the application. Due to the fact of giving me misrepresented information my application was received 3 days late. I understand the decision was made on XX/XX/2019. However, I understand there is accountability to remedy issues that cause clients financial harm and extended hardships. I was unable to act according to the protocol because the information provided was in fact not accurate yet provided by the agents of U.S. Department of Education ( customer service representative ). 
I was facing eviction at the time and because of me not receiving my refund, I lost my home. I'm currently experiencing homelessness. Living in my car since XXXX. I have an XXXX  XXXX that affects me working at times, which Im currently going through. I was looking to my refund to help with catching up on bills and establishing housing. I was unable to do that and suffered a financial injury due to bad information.
Consumer complaint received 2024-05-22
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)

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX  Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-05-23
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)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time I paid him $ XXXX XXXX XXXX dollars My personal information he has deceptively used my personal information committing fraudulent activities an personal harming my creditibility filing and opening accounts without my authority or permission. Please remove the Bankruptcy filed causing me fianancial hardship and declining issues. XXXX XXXX account opened fraudulently leaving tremendous debts reporting on credit reporting agencies. The XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have asked yall for help before to know avail. I am a XXXX XXXX man on SS. I went to XXXX and they had a credit builder program. I signed up. Its a savings program where you pay yourself into a holding account. At the end you get XXXX. Sounds great. 

My truck XXXX XXXX. It is very hard on SS to get it fixed. i have tried to get a part time job to no avail. NO XXXX. I would have to wait for my next payment to come in to buy parts. It took me 2 months. So I get tagged for missing a payment. I knew I wouldnt be able to carry on and needed to cancel my membership. 

I contacted XXXX and told them the situation. They said you have equity so we need XXXX ( that number changed depending on who you talked to ) and we will close you out. But FIRST you have to make up the missed payment. I said thats the whole issue. My finances have changed drastically. I cant afford this. And a missed payment is me paying me into a holding account. Youre reporting a savings account. 

Since then, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Since requesting XXXX to close me out my truck has been on the blink. My repair after 2 months only created more issues. You cant work part time without a way to get there. Even today the hood is up. I have had a rough financial time. I dont know why I cant cancel a saving account. 

Since then, to cut back and get parts XXXX XXXX XXXX XXXX XXXX XXXX for 3 days. I was XXXX XXXX XXXX. XXXX XXXX XXXX Had a moment of clarity long enough to call an ambulance. XXXX wrote me about the complaint. I have told them all this. I CANT PAY. They said tough we are going to report XXXX missed payments to the Credit Agencies. So lets kick the old man on SS who is having a rough time and XXXX HIM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My dog went hungry during those 4 days. The driver taking me home stopped at a grocery store so I could buy dog food. 

I have no reason to believe CFPB will do anything about this. So the last two complaints have been closed. I never even was notified and told by your staff I cant appeal. She said fill out another complaint. OMG. 3rd try. 

So Consumer Financial Protection Board will kick this down the road. Join with XXXX in suppressing me. By reporting me missing a payment into A SAVINGS ACCOUNT. 

I have contacted a debt agency to help me with my debt. Theyre ready. I cant raise the payments. Do you think good credit might help me in my old age? 

Im copying XXXX XXXX on this. She created this agency and has a stake.
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (NJ)

XX/XX/XXXX purchase a XXXX XXXX XXXX from XXXX XXXXThe loan was service by Santander Consumer USA. XX/XX/XXXX I was picking up the vehicle, and there was a problem... and I left the vehicle at the dealer. After contacting Sandtander I was told the dealer started the loan unwind but never complete it. I have contacted both Sandtander and the dealer several times and to date no resolution.
Consumer complaint received 2019-06-27
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: EQUIFAX, INC. (TX)

On XX/XX/19 I received a credit alert regarding 4 collection accounts reported on my equifax report - these had been placed fraudulently on my credit files when the XXXX breach occurred 2 years ago. I was able to remove them after about 3 months of fighting and using resources I found here to use the proper wording to get them to actually verify the validity now 2 years later another company named XXXX XXXX reported the exact same fake medical collection accounts - equifax would not let me dispute or access any records online. I had to do it over the phone and they told me on XX/XX/19 they would never be able to restore my online access. So they sent me an email on XX/XX/19 stating the disputes were processing and should expect an update around XX/XX/19, instead I received an email to log into my account, my dispute results were completed- of course I cant access them online, so I called and they said they verified the fraudulent, illegally re-aged, medical collection accounts with XXXX on XX/XX/19. Impressive they were able to verify info that could not be verified as it is and was never mine. They said if I purchase their online monthly monitoring service for XXXX $ per month I would be able to access the info online and use their tools to dispute the dispute results and have access to their credit repair specialist.
Consumer complaint received 2024-05-22
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 the victim of identity theft. I already completed the whole process and filed all of the necessary paperwork and sent it off to the credit bureaus and it has been nearly 3 months and they have not done anything at all about this. I know that this is illegal and they have to respond to me in 30 days. Not only did they allow someone to access my information and commit fraud against me but now they are not doing anything at all about rectifying this and it causing me alot of harm.
Consumer complaint received 2024-05-22
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. (TN)

I sent Experian a letter disputing the validity of the Bankruptcy ( XXXX XXXX Reference # XXXX ) they are reporting on my credit report. They responded with a letter stating they have verified this information with the source and it is valid and accurate. I went directly to the court showing on my credit report concerning this Bankruptcy. I informed ( Experian ) if they cant reveal how they truly verified this item then it needed to be deleted according to the FCRA. They have once again refused to delete this item which is affecting my ability to purchase a home and causing me to pay thousands more in interest every year. This item needs to be deleted from my credit report if it cant be verified.
Consumer complaint received 2024-05-22
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ATTACHED ARE MY ID AND SOCIAL TO VERIFY IDENTITY AND FTC POLICE REPORT
Consumer complaint received 2024-05-22
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)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

I signed up to send my daughter {$230.00}, I verified my identity by giving my social, address, name, phone number, email etc. Venmo, froze my account for absolutely no reason for demanding me to send my passport and ID to further compromise identity theft. I even still complied but blured out some of my important numbers and apparently that was not sufficient. They are a terribly rub company, the customer service is absolutely terrible and not knowledgeable and the people in charge of this take 7 days to get back via email. I would absolutely never recommend this company ro anyone.
Consumer complaint received 2024-05-22
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 a victim of being used for fraudulent activities to open accounts in my name without my permission. I want all information to be analyze & also would like for the public record are listed to be removed. The utility bill thats in the dispute letter is proof of current residency as well.
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (PA)

On XX/XX/year> I sent all three credit bureaus Experian, XXXX, and XXXX letters requesting verification to five accounts for late payments showing on my credit report and asked them to have my address updated. I have yet to receive anything from the bureaus, verifying these late payments or showing that my address has been updated to reflect accordingly. It has been well over 30 days and I have not yet received any notification. I have attached the letters and details.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (VA)

I was have account in PNC bank and the bank close. My account was no reason and I was buy all my bill from this account and I got charged fee for all my bill because I am late for payment and all of this because the bank close my account and the bank doesnt see any reason for this situation.