davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
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)

On Tuesday, XX/XX/, I received an email notification from Experian informing me that my XXXX credit score had been lowered from exceptional to very good. This change was unexpected and concerning, as there have been no recent changes in my financial behavior that would justify such a decrease. I have not taken out new credit, nor have I made any late payments. My credit reports are consistently frozen across all three credit reporting agencies, including Experian, as a precautionary measure. 

In an attempt to understand the reason behind this sudden drop in my score, I contacted Experian 's customer service. Unfortunately, my experience was extremely frustrating and unproductive. The automated phone system put me through a redundant loop of voice prompts, none of which addressed my concerns or led to a live representative. When the prompt asked if I wanted to remove the freeze on my credit file, I declined, as my query was unrelated to the security freeze. Despite repeated attempts to speak with a human representative by saying " representative, '' the system failed to provide any assistance, giving the impression of a deliberately broken system designed to avoid customer interaction. 

This experience has not only caused me undue stress but also raises serious concerns about Experian 's accountability and commitment to customer service. The lack of transparency and inability to contact a representative for an issue as critical as a credit score change is unacceptable.

I am requesting a thorough investigation into the reason behind the decrease in my credit score and an improvement in Experian 's customer service, particularly in providing accessible and efficient support to consumers. Please acknowledge receipt of this complaint and inform me of the steps being taken to address these issues. 

Experian Membership ID # XXXX
Consumer complaint received 2024-01-09
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. (OH)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-01-09
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. (NV)

I SUBMITTED A DISPUTE TO EXPERIAN REGARDING UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. THE COMPANY DID NOT DO A PROPER INVESTIGATION INTO MY DISPUTE AND I WOULD LIKE THE CFPB TO ENSURE AN ACCURATE AND FAIR INVESTIGATION IS COMPLETED INTO THE PERMISSIBLE PURPOSE OF THESE INQUIRIES. As per the Fair Credit Reporting Act ( FCRA ), only inquiries made with a permissible purpose are legally acceptable. Unauthorized inquiries not only violate my privacy but can also adversely affect my credit score. I kindly request that you initiate an immediate investigation into these unauthorized inquiries and proceed with their deletion from my credit report. This action is crucial to maintaining the accuracy and fairness of the information reported by your agency, as mandated by Section 604 of the FCRA. Please provide a written confirmation once the unauthorized inquiries have been successfully removed from my credit report. Additionally, I request an updated copy of my credit report reflecting the corrections made.
Consumer complaint received 2024-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-01-09
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. (NJ)

I, XXXX XXXX XXXX, have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference numberXXXX XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Consumer complaint received 2024-01-09
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)

I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.
Consumer complaint received 2024-06-13
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. (TX)

I found a number of mistakes on my credit report and i contacted EQUIFAX in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Consumer complaint received 2024-01-09
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. (NC)

i was a victim of the XXXX data breach. i want these items deleted from my credit reports as you can see, the XXXX actually deleted them, because i was a victim of this data breach. Here is the proof that i was in fact a victim of this XXXX XXXX breach.PLEASE DELETE these items below immediately as i was IN FACT a victim of this XXXX XXXX breach. 
XXXX XXXX XXXX XXXX Under dispute Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. XXXX XXXX  XXXX {$5900.00} XXXX Account charged off. {$5900.00} past due as of XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX  Balance {$21000.00} Status Account charged off. {$21000.00} written off. {$21000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX  Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

On Tuesday XXXX XXXX between XXXX I received 3 consecutive email confirmation for 3 orders placed online through my personal rewards member XXXX XXXX account at a XXXX XXXX located in Washington DC. The email also contained the address where the food was to be delivered by XXXX and a contact phone number for the person who placed the order. Apparently the XXXX XXXX website saved my debit card on file from the last time I ordered food from there at my location here in XXXX. The person who ordered the food somehow hacked my XXXX XXXX account. I emailed XXXX XXXX customer service and they've agreed cooperate with any investigation. I was at work ( here in XXXX XXXX XXXX Tx ) at the time this happened. I submitted a claim to Regions Bank which they closed and denied the very next day without asking me anything. I never even got a confirmation email that was received which is standard practice. Regions still hit me with an overdraft fee for each of those fraudulent transactions even though a dispute had already been submitted for them. When I called the bank to complain about the charges, is when I learned they closed and denied my claim without any investigation which should also be a standard practice being that it is a dispute. The representative told the reason it was denied is because I did not dispute transactions I actually made at my XXXX XXXX a month or 2 ago. OBVIOUSLY ITS BECAUSE THOSE ARE LEGIT PURCHASES I MADE GENIUSES! And it was not even a question on their online dispute form! It never asked about other transactions with XXXX XXXX from last month. If that information was pertinent to the claim decision, then it should have been asked! In addition, the online dispute form does not have a way to upload information. I had the email confirmation for the orders that were being delivered to someone in Washington. I have my timecard which shows I was working at the time!! But you didn't ask for anything!! Then just closed my claim and charged me {$160.00} for the overdraft those transactions caused me!! Talk about predatory!! You should not be allowed to add overdraft fees on transactions that have been disputed!! And you seriously need to update your online dispute form! There's nowhere to upload documents and your free text box to enter additional details has a character cap so you can't even fully explain everything in that text box! Your bank needs to be fined for this! Now when my direct deposit goes in on Wednesday, I'll be short {$160.00} because of your predatory fees!!
Consumer complaint received 2024-01-09
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. (VA)

I am writing to file a formal complaint against Experian for the mishandling of disputes on my credit report, which I believe violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute to Experian via their online Document Upload Form, contesting the accuracy of the following items on my credit report : Bankruptcy XXXX, Bankruptcy XXXX, Bankruptcy XXXX, and an unrecognized inquiry from XXXX XXXX Bank dated XX/XX/XXXX. Additionally, I disputed incorrect and outdated personal information. 

On XX/XX/XXXX, I received notification from Experian to review my dispute results online. To my dismay, the public records remain unchanged, only the personal information was updated, and there was no resolution regarding the inquiry. 

Experian claims that the company reporting the public records certified the accuracy of the information. However, I previously contacted XXXX, the third-party vendor providing public record information to Experian. I received a response from XXXX dated XX/XX/XXXX, confirming they filed a dispute with Experian on XX/XX/XXXX and removed the disputed information from my XXXX file. XXXX also noted that as of the date of the letter, they had not received any response from Experian regarding the dispute. Consequently, it's evident that Experian 's claims of receiving certification from XXXX are questionable. Given that these public records are not present in my XXXX consumer report, Experian could not have received certification about their accuracy. Moreover, Experian 's lack of response to XXXX indicates that these public records are unverifiable. 

I have enclosed copies of my dispute sent to Experian, the investigation results from Experian, and the response from XXXX for your review.
Consumer complaint received 2024-01-09
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. (NC)

These accounts were wrongfully added to my consumer report, I have proof of no lien from any of these companies from the secretary of State via UCC11. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
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. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' It is illegal to report a consumers transaction history. I did not consent to my utilization or account balances being reported.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/2024, the credit card collections team at Bank of America took money out of my account because of a debt owed by my Mother 's business. I am a XXXX XXXX XXXX, and I work to earn my own money. I don't live with my mother. She opened the bank account for me when I was a minor and I forgot she was on the account ( it was required that I add a parent to open the account ). On XX/XX/XXXX, with no notice. there was an offset for an overdue business credit card payment taken from my account for {$1200.00}, this was not a debt of mine, but from a debt owed by a company owned by my Mother. This withdrawal has caused me to personally go into deep financial distress. I was not able to pay my rent, I am now behind on my bills. I work for my money, my mother does not provide for me. I called the bank to explain the situation, I removed my mother from my account, and on XX/XX/XXXX I was told that the offset would be reversed and the {$1200.00} added back to my account. My mother also called and made payment arrangements for herself to resolve the debt, and representative XXXX XXXX told her the funds would be added back to my account. It is now over a month later and I have not yet received the funds. I am in a desperate financial situation, I am XXXX XXXX XXXX and forced to pay for my mom 's business debt. This is very unfair. Today when I called then they told me the reversal was declined, a month after I was told it was approved. This is unethical and unacceptable. Bank of America should be forced to give me back my money and resolve any debt related issues directly with my mother and her company.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY (TX)

This voice mail was left on my husbands phone as well moments after I told them to cease calls If the message was intended solely for XXXX why would you leave it on a voicemail that clearly has a different name on it This message is solely intended for XXXX _______ my name is XXXX XXXX I'm gon na _____________ ________ _______ and I've been tasked with delivery certified documents with her test your name as well as your Social Security number I'm scheduled to arrive and I have your current residence or your place of employment tomorrow XX/XX/XXXX between the hours of XXXX and XXXX XXXX  _______ able to reach you would either of those locations this will be documented as a direct refusal to sign in the proceedings will continue on with ___ you ____ if you have any further questions concerns or if you need to reschedule prior to my arrival tomorrow pleas
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (IN)

My student loans have been discharged by the Department of Education via the Borrower Defense. My loans were sold by the Department of Education and is now serviced by AidVantage. The original loan was open on XX/XX/XXXX. However AidVantage reported to the credit bureau that the loan was opened in XX/XX/XXXX. I have called several times to have the loans removed from my credit. I was told today that it takes a year to remove the loans from my credit report. This is hindering me from making major purchases and getting approved for small things as well. I have uploaded the discharge letter. I feel I am being extorted.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, Wells Fargo took {$11000.00} out of my savings account. When I called Wells Fargo they claimed that it was for a credit card account that I opened in XXXX and closed in XXXX. But I did not receive any notice of any balances or payments due. I was then told my Wells Fargo to contact their legal department to obtain my credit card statements since that credit card account was closed. They said that they will send me the credit card statement. I waited for a week and a half and I'm yet to receive them. I made numerous calls and each time they ensured me that they have sent the statements. The last call I made, I spoke to multiple supervisors, and they state that they will email me the statements, but it would take 5 to 7 business days to process. Until then they have yet to show any proof of any balances I owed. I fear that I'm a victim of fraudulent activities. Wells Fargo need to show me proof or they need to give my money back.
Consumer complaint received 2024-01-09
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. (AE)

on XX/XX/23 a letter was sent Experian explaining my discontent with a late payment that was reporting on my credit with a company that reports to them. I have yet to get any correspondence from them processing
Consumer complaint received 2021-08-13
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: Kashable LLC (PA)

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX