davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion are reporting incorrectly a collection on the XXXX XXXX XXXX XXXX   partial account number ****XXXX in the amount of {$490.00}. ( Please see pages 11 and 12 of the attached credit report. ) I am in the military and received orders to move to North Carolina. I cancelled this service prior to my departure. The service was not cancelled correctly on XXXX XXXX XXXX end and my roommates who presided in the residence after my department failed to pay this bill. This account does not belong to me and this incorrect reporting is harming my credit score. Please remove these items from my credit report.
Consumer complaint received 2024-05-29
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. (GA)

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 168 XXXX XXXX XXXX and 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
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.
Consumer complaint received 2024-05-28
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. (TN)

XX/XX/2024, XX/XX/2024, XX/XX/2024 were disputed I am writing to request your assistance in resolving fraudulent accounts and inaccurate information on my credit report. Recently, my wallet was stolen, and as a result, my personal information has been misused to open fraudulent accounts that do not belong to me. Given that I am currently in the process of buying a home, it has become crucial to rectify these inaccuracies and ensure that my credit report reflects accurate and reliable information.I kindly request that the Consumer Financial Protection Bureau investigate these fraudulent accounts on my credit report. I believe that upon thorough investigation, it will become evident that these accounts are a result of identity theft. Therefore, I respectfully request the removal of these fraudulent accounts from my credit report, as they are negatively impacting my ability to secure a home loan and move forward with the home-buying process. I hope I am doing this correctly. If not i am taking a calculated risk with hopes of creating a great and lasting change in not only my life but also my XXXX children who don't deserve to struggle on my behalf.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify is accurate : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-28
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. (GA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-28
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. (WA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2019-07-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

I HAVE SENT LETTERS TWICE NOW TO REMOVE THESE INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. I PUT FRAUD ALERTS ON MY ACCOUNTAND AM TRYING TO BUY A HOUSE NEXT YEAR. THEY REFUSE TO INVESTIGATE. THEY HAVE NOT SENT ME ANY INFORMATION AND I SENT A LETTER ON XX/XX/XXXX AND THAN AGAIN ON XX/XX/XXXX BOTH NOTARIZED AND CERTIFIED. I ALSO SENT LETTERS TO CREDIT AGENCIES ABOUT THE INQUIRIES AND THEY HAVENT RESPONDED EITHER. I WANT THESE INQUIRIES REMOVED IMMEDIATLY
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX XXXX Acct # XXXX
Consumer complaint received 2024-05-28
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)

Despite my numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and XXXX. I must reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2024-05-28
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. (AK)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This account is being unlawfully reported : XXXX XXXX XXXX amount {$2400.00} 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Credit report correction. I have attached the accounts that need deletion, please make this correction to my credit report.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX  XXXX XXXX Acct XXXX
Consumer complaint received 2024-05-28
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. (OH)

I have late payments that they will not remove and according to 15 United States Code 1666 ( a ) & ( b ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. '' this is unlawful and shouldnt be reporting at any time! 
And i have unauthorized inquires on my file thats not attached to any account an they will not help
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO COMPROMISED MY BUSINESS CHECKING ACCOUNT BY SENDING ALL THE DOCUMENTS TO AN ANOTHER ADDRESS. I NEVER ASKED FOR AN ADDRESS CHANGE. BECAUSE OF THIS, I WAS NOT RECEIVING ANY OF THE LETTERS REGARDING MY DISPUTE RESOLUTIONS CLAIM. 

NOW WELLS FARGO WANTS TO REVERSE THE PROVISIONAL {$160.00} SINCE I DID NOT RESPOND IN TIME TO PROVIDE ADDITIONAL INFORMATION REGARDING THE CLAIM. MIND YOU, I ALREADY PROVIDED THEM MEDICAL DOCUMENTATION, A PRESCRIPTION, AND MEDICAL BILL FROM THE DOCTOR. NOTHING GOES ABOVE A PHYSICIANS LETTER WITH PROOF OF INJURY FROM A MERCHANT. WELLS FARGO IS THREATENING TO REMOVE THE {$160.00} ON XXXX, WHICH GIVES ME NO TIME AT ALL TO DO ANYTHING TO PREVENT THIS FROM HAPPENING. THEY NEVER ASKED FOR A POLICE REPORT AND ONLY A LETTER FROM THE DOCTOR OR ANOTHER MERCHANT I HAD TO PAY TO CORRECT MY PROBLEM. 

FURTHERMORE, I PROVIDED THEM WITH DOCUMENTS, PHOTOS, RECEIPTS ECT. MORE THAN ENOUGH TO PROVE MY CASE. WHEN I TOLD THEM MY ACCOUNT WAS COMPROMISED DUE TO THEIR ERROR, THEY TOLD ME THEY COULD NOT CLOSE IT DUE YO AN OPEN CLAIM. THE ONLY REASON THEY WANT TO KEEP IT OPEN IS TO TAKE OUT THE {$160.00} IN XXXX WHEN THEY CLOSE THE CLAIM. 

MOREOVER, THEY CHOSE THIS DATE ON PURPOSE RIGHT AFTER A HOLIDAY SO I COULD NOT GO TO THE BANK TO CLOSE MY ACCOUNT. ALSO MIND YOU I WAS NOT RECEIVING ANY OF THEIR LETTERS SINCE IT WAS GOING TO ANOTHER ADDRESS BECAUSE OF THEIR MISTAKE!!! NOW IM BEING PUNISHED FOR IT. 

LAST BUT NOT LEAST, SINCE THEY WANT TO REMOVE MY HARD EARNED {$160.00}, I AM GOING TO RETAIN LEGAL COUNSEL FOR COMPROMISING MY BUSINESS CHECKING ACCOUNT INFORMATION AND IDENTITY FOR CHANGING MY ADDRESS WITHOUT MY KNOWLEDGE. I AM GOING TO SUE AND FIGHT FOR MILLIONS IF DOLLARS. WELLS FARGO HAS MADE MY LIFE A LIVING XXXX!
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

I enrolled the wrong payment account via XXXX XXXX XXXX verification portal. I enrolled my savings account rather than my checking account and due to this error the payments I was making were being returned and not posting. I didnt realize the mistake until I had already resubmitted payments 3 times and was assessed return fees. Here are the dates : XX/XX/year> {$60.00} & {$100.00} XX/XX/year> {$430.00} & {$440.00} new account I added a new account but I had to use the manual feature once I noticed the error and immediately brought the account current. I have requested via phone calls and letter that they remove that 30 day late reporting to the 3 credit bureaus but they declined due to it not being their and it being late. I dont feel this is a true reflect of my consumer history. I have not had any late payments in over 20 years. I even asked to speak to someone form their credit reporting department and was denied because they dont take calls. I write letters to the 3 credit bureaus too and no response has come yet. I was in the middle of purchasing my late fathers home and due to this reporting the lender doesnt want to extend the loan if I cant get this removed.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a credit card with Capital One prior to the pandemic shutdown. In XXXX XXXX  XXXX I was rushed into XXXX XXXX and spent the rest of the year healing combined with the fact I lost my job like millions of others due to the pandemic. I was behind on payments until XX/XX/XXXX when I paid off the balance completely via the mobile app I used to have for Capital One. It's now XXXX and the balance is still being reported as unpaid on my credit report and it has apparently been given over to collections illegally due to the balance already having been paid. This is severely affecting my ability to get other credit, cars or housing. I understand that this may be a system oversight so I am asking that Capital One update the balance to reflect as paid since XX/XX/XXXX. 

Thank you.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX regarding this complaint. My initial complaint was because I recently received a letter from XXXX XXXX XXXX XXXXXXXX stating that I had a default judgement and should provide bank statements. The paperwork did not show dates or specific information. After opening a complaint through this platform and after various requests I received some of the information requested except the bill of sale from this 3rd party debt collector and my signature on any paperwork delivered.I also received a copy of a written paper stating they had served a XXXX woman XXXX XXXX XXXX XXXX. I've not been that XXXX ever in my adult life. I was close to XXXX for years until recently when I started visiting the Drs office and have XXXX XXXX about XXXX XXXX.Paper also states I had XXXX XXXX .I 've always XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after covid due to everything being closed in XXXX. Please provide me with any paperwork sent to me that shows my signature. Any follow-up mail sent to me that required my signature. I would also like this issue resolved in an amicable way as this situation has disturbed my peace.
Consumer complaint received 2024-05-28
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)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-28
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)

I sending letters so many time for the 3 bureaus but they refusing my dispute letter and receiving email from them saying I'm seeking for help in the 3rd party. Which is wrong I'm the one who send out letter no one help me. please do an action or else I will file a litigation regarding this matter. please delete this account this is wrong and accurate your violating my right. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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)

According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. These accounts contain inaccurate information in their reporting. Compensation of {$1000.00} is expected for each mistaken entry on my credit file.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (OH)

Subject : Urgent Notification : Unauthorized Credit Reporting Compliance Required with Ohio FCRA Identity Theft Fraud Laws Dear NAVY FEDERAL CR UNION, I am writing to urgently address a concerning issue regarding the unauthorized reporting of information to my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Ohio FCRA identity theft fraud laws. 

It has come to my immediate attention that NAVY FEDERAL CR UNION has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA and Ohio FCRA identity theft fraud laws unequivocally stipulate that consumer consent is mandatory for such reporting activities under Section 1681b ( a ) ( 2 ) and relevant Ohio statutes. 

Furthermore, Ohio FCRA identity theft fraud laws explicitly emphasize the severity of unauthorized access and misuse of personal information, underscoring the legal obligation to obtain explicit consent. 

I want to assert unequivocally that I have not provided consent for NAVY FEDERAL CR UNION to report any information to my credit report. This egregious lack of consent constitutes a blatant violation of my rights, potentially causing significant damage to my creditworthiness and demonstrating a disregard for federal and state laws. 

Therefore, I demand, with utmost urgency, that NAVY FEDERAL CR UNION immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and Ohio FCRA identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be deemed as willful noncompliance, subject to penalties under applicable laws, including Ohio FCRA identity theft fraud laws. 

It is imperative to understand that obtaining consent is not discretionary but a legal obligation under the FCRA and Ohio FCRA identity theft fraud laws. This is not negotiable ; it is a demand for strict compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and damaging credit reporting practices. 

I expect your immediate attention to this matter and urge NAVY FEDERAL CR UNION to promptly rectify these serious violations, respecting my rights under federal and state laws.