davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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 hope this message finds you well. I am writing to follow up on my previous requests regarding the deletion of fraudulent items from my credit report. This marks the numerous attempts to address this issue, and I am eager to see a resolution. 

I understand the complexities involved in investigating and rectifying such matters, but it is imperative that these fraudulent items are promptly removed from my credit report. Their presence not only inaccurately reflects my financial history but also poses a significant risk to my financial well-being. 

I kindly request an update on the status of my request and urge you to prioritize the deletion of these fraudulent items. Additionally, if there are any further steps I need to take or any additional information you require from my end, please do not hesitate to inform me. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX CARD XXXX Balance Owed : {$0.00} ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$330.00} XXXX XXXX Balance {$29000.00}
Consumer complaint received 2024-04-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX is still showing that I have loans with them, and I do not. 

My loans were transferred to another servicer, aidvantage, and consolidated. The loans were paid off through the consolidation. They show {$0.00} on aidvantage and the department of Ed sites.

I have no loans with XXXX. In fact, I cant even login into XXXX because I literally dont have an account with them.

I have disputed the reporting 3 times. The second time they changed the report to show about half the loans as closed and {$0.00} balance.

I think they are trying to keep the door open for collections on forgiven loans, and I refuse to be enslaved by a private corporation. 

XXXX and the reporting agencies must change my report to accurately reflect that these loans have been paid off because according to the Department of Ed, I owe {$0.00}. 
As such, XXXX and the credit reporting agencies are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

On different occasions I have disputed with the company Experian and XXXX regarding a XXXX XXXX XXXX XXXX XXXX account that incorrectly appears on my Experian and XXXX credit report without having an effective response to the request, and I even made an identity theft report. that I also sent but it is observed by experian and XXXX that they did do so. not carrying out an efficient investigation to determine that the account that appears on my credit report from XXXX XXXX XXXX XXXX XXXX does not belong and even the address mentioned, this gives rise to thinking that it is information that belongs to another person or that I was a victim of theft of identity, this information is affecting me since it hurts me to apply for my mortgage loan. I have been very responsible and pay all my bills up to date and this is demonstrated by other accounts or other companies like XXXX and that is why I request that this account be incorrect. appears on EXPERIAN AND XXXX be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-18
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. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-18
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: EQUIFAX, INC. (FL)

I am closing on a home in 5 days and i am unable to obtain a loan from the bank because of negative reported items on my credit report. Based on the XXXX XXXX XXXX XXXX all fradulent & negative reports should be removed from my credit report immediately. There should not be any damages on my credit report that is a defamation of character & i will would for this to be fixed immediately so that i am able to close on my house in 5 days.
Consumer complaint received 2023-11-13
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (ND)

The apartment had problems and they deliberately did not repair the apartment, and because of this negligence, I suffered silver losses. 
If they were honest, they would not have abandoned the eviction lawsuit they filed against me. I'm careful about my reputation on record or credit report history. They used my XXXX supplies and prevented me from using XXXX. They failed to promise to the lease
Consumer complaint received 2024-04-18
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. (GA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-04-18
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. (TX)

I've noticed some unfamiliar items on my credit report, suggesting potential identity theft as I did not authorize these accounts. This issue has been previously discussed, and I'm now requesting immediate removal of these accounts from my report. Their presence is causing considerable stress as they do not accurately reflect my credit history or financial management. Dealing with this situation has been challenging. If necessary, I am prepared to pursue legal action to safeguard my rights and seek resolution. These inaccuracies pose a significant obstacle to achieving important financial objectives, such as purchasing a home and supporting my family. I sincerely hope for a prompt resolution to this matter.
Consumer complaint received 2024-04-18
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 submitted this complaint to update this suspicious information. Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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)

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.

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 2024-04-18
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. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2024-04-18
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. (MD)

I would like to dispute the following items off my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

Avoided check XXXX XXXX XXXX XXXX XXXX Submitted check to set up auto debit I find this to be form of misconduct throughout Wells Fargo check was cashed as payment no payment was due premium of {$32.00} per month for XXXX XXXX XXXX XXXXXXXX XXXX I believe this to be a fraudulent act of crime my account is excessively overdrawn with these I have patiently awaited a resolution it is now up to {$83.00} time frame has existed there is not a extended line of credit offers I can not understand why? Maybe also an act of misconduct through the insurance agency itself with XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed with the company listed above that this account is fraudulent inquirie. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2024-04-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (NE)

On XX/XX/2024, I sent a {$2900.00} check to the Westlake Financial payment address to fully satisfy the loan balance and pay my car loan off. To this day XX/XX/2024 they STILL have not cashed, deposited or sent the check back to me. XXXX so beyond done with this. I have sent numerous emails to the inbox asking for an update to the status of when I can expect to receive my title. Today I received an update from the credit bureaus advising that I am late on my car loan payment. XXXX! I just want my loan paid off and my credit fixed from this.
Consumer complaint received 2024-04-18
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. (OR)

I hope this message finds you well. I am writing to follow up on the status of my request to correct a late open account on my credit report. 

As per our previous correspondence, I submitted a dispute regarding the late open account listed on my credit report. It has come to my attention that this issue has not yet been resolved, and the late open account continues to negatively impact my credit standing. 

I kindly request an update on the progress of my dispute and urge you to expedite the resolution process. The presence of inaccurate information on my credit report has significant implications for my financial well-being, and I am eager to see this matter resolved promptly. 

Please confirm receipt of this message and provide me with an estimated timeline for when I can expect the correction to be made. Additionally, if any further information or documentation is required from my end to facilitate the resolution process, please do not hesitate to let me know. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXXXXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-05-03
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: Williams & Fudge, Inc (ME)

Today, XX/XX/XXXX, I was contacted by a XXXX XXXX at what I eventually figured out ( after some research ) to be Williams and Fudge Inc. Since I didn't answer the phone, he left a message. He did not identify himself as a bill collector and mentioned absolutely nothing about attempting to collect a debt. So, I looked up the company, but couldn't figure out why they would be calling me. I called them back and spoke to another gentleman who's name I don't remember. He also did not identify himself as a bill collector until he got some personal information from me. Then, after about ten minutes of talking with him, he told me why XXXX had called, and it was to collect money for the XXXX XXXX XXXX which I haven't been affiliated with for more than a year. According to Williams and Fudge Inc., I owe more than {$800.00}. They claim that the money I owe is from financial aid the federal government forced the XXXX XXXX XXXX to return because I had dropped out early in XXXX. I explained that I did drop out, but I reached out to the school multiple times within my first week of the semester in question and no one would answer my calls or emails so that I could fill out the paperwork necessary to drop out, nor would anyone call me back. I knew I had a limited amount of time to drop out or I would end up owing them money, but my communications were well within that time. When I tried to explain more, the man I was on the phone with talked over me and talked so much and so fast that I couldn't get a word in. He accused me of not following the school 's handbook when dropping out of classes, when in actuality I did follow the handbook and shouldn't owe any money. It was the school that refused to talk to me. I did my part to avoid this debt accruing, but the school did not do their part. Eventually, the gentleman asked if I'd like to pay it, I told him no. I don't have the money to pay it and I don't believe the debt is my responsibility. He accused me again of not following the school 's guidelines for dropping out, when in fact I did. I tried again to explain that I followed the guidelines, but he kept talking over me and talking faster so I couldn't speak. I suppose I should have hung up at that point. Eventually, he asked if I'd like to file a dispute, and I said yes. Supposedly this dispute has been filed, but I don't trust this bill collector. They didn't even identify themselves in their first contact with me, and even when I called back, they didn't tell me who they were until after they asked me for personal information.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

these hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this well. thank! 

XXXX XXXX XXXX - DATE:XXXX XXXXXXXX XXXX - DATE : XXXX
Consumer complaint received 2024-04-03
Product: Credit 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: PENTAGON FEDERAL CREDIT UNION (AZ)

I discovered a duplicate charge to a hotel from XX/XX/XXXX. Initially when the charge happened I was told by PenFed that both charges were pending and one would fall off when it was processed. It never fell off. 

After I filed a dispute in XXXX, I was told by PENFED Credit Card company to contact the merchant which I did- the merchant ( XXXX XXXX XXXX only shows one charge under my name and account which I only have one receipt for my stay in XXXX  XXXX, and the credit card company says they can not reverse the duplicate charge to the hotel - the hotel did not process a duplicate charge, so there must be a glitch or unauthorized duplicate charge processed by PENFED that they refuse to research or resolve. Regardless of the timeframe that has passed the duplicate charge is UNAUTHORIZED. Both charges are for the same date and {$500.00} ( XX/XX/XXXX XXXX XXXX in Indiana ).