davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (TX)

Experian closed the complaint number XXXX prior to providing a final resolution. The company 's response demonstrates that the matter has not been fully investigated or addressed. Please see the following taken from their response : " Upon completion, an updated copy of the credit report will be forwarded to you for review. '' Further, the following issues were not addressed in the response : 1.I requested copies of all investigative reports from XXXX of XXXX ; 2. Why the Experian has disregarded a valid court order ; and 3. Why Experian has not followed the standard practice in XXXX  v. Experian Info. Solutions, Inc., Case No. 05-cv-01070- DOC ( MLG ), ( C.D. Cal. Nov. 2, 2011 ), compel the CRAs to follow their standard practice and presume that all unsecured debt were discharged in bankruptcy and update accounts accordingly. 

Therefore, the dispute has been closed prematurely..
Consumer complaint received 2023-11-09
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. (TX)

I noticed that there was a " charge card '' account on my credit report from XXXX that was incorrect since I had never opened an account with that company. I called XXXX to confirm that there is no account. XXXX confirmed that there is no history of my name or social security number being affiliated with any account from them. Experian is the only credit Bureau to have this account on my report. I contacted Experian to submit a dispute to have this account removed from my credit report. The results of the Experian dispute were that they confirmed with XXXX that there is an account in my name with XXXX. I contacted XXXX again and they confirmed again that there is no account affiliated with my personal information. I filed a dispute once again with Experian, and the same result occurred. I contacted XXXX for a third time to confirm that there is no affiliated account, and they have confirmed this.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have moved to florida XXXX of 2023 to care for my XXXX XXXX with XXXX XXXX and XXXX. So I have been out of work for an extended period of time, caring for my XXXX mother that uses bank of america for over XXXX years and has substantial money in the institution. So to her advice I went into the bank and opened a checking and savings account with {$2500.00} in the checking and {$1500.00} in the savings. I shared with them at the time money would be moving in and out of my account until I get all my money and finances in line. I have made deposits as high as XXXX in these accounts in cash. I took an XXXX  job recently that sent me a check for my sign on bonus and equipment purchase to perform my new tasks. IK made a mobile deposit and deposited the monies into my account as usual. I never received any notices after the XXXX days grace period that the check came back until I checked on it myself. At which time i quit that job due to the check issue. This is why banking institutions have a hold to ensure the bank verified the fund and to protect all parties. I do not understand why Bank of America tagged me with a Fraudulent check write and depositor. This has created me extreme hardship and created me an issue where I can not open an account anywhere else. I was never informed my account was being closed only my savings account for lack of funds. I deposited another check from a second company I went to work for and deposited {$240.00} in cash to right the account and place enough to pay for an outstanding debt. I did not even find out the checking account was being closed until I was embarrassed with a phone call from the debitor. I called their bank support immediately and was told my account was in the process of being closed. No information was provided to me, nothing sent in the mail even currently about that fact and no check refunding the monies I had in the account. I had to call the new job and ask them to stop payment on their check I had just deposited and still have not gotten my IRS XXXX XXXX  handled as it was in the process of sending electronically when they closed the account and XXXX XXXX  me. I have NEVER in my life wrote a bad check and this check in question was not one written by me. I would like immediate action or legal action is the next step for defamation of character. 

Thank You XXXX XXXX
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX
Consumer complaint received 2024-05-10
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. (UT)

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 2024-05-10
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. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-09-19
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX 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 2024-05-10
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 experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2023-11-09
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)

Experian 's XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Subject : Credit Report Dispute Dear Sir/Madam , I am writing to dispute the information in my credit report, file number [ insert your file number here ]. I believe there are inaccuracies that need immediate attention and correction. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report ( 15 U.S.C. 1681 ), which is the basis for my dispute. The specific sections of the FCRA that I believe are related to my dispute are as follows : 1. Section 604 ( a ) ( 2 ) A consumer reporting agency may furnish a consumer report under specific circumstances only. I believe that the report regarding my late payments was furnished without due diligence or without appropriate permissions.

2. Section 623 ( a ) ( 5 ) A furnisher of information to consumer reporting agencies must accurately report the date of delinquency on an account. If there is an error regarding the date of my alleged late payments, it should be corrected. 

3. 15 USCS 1666b This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless appropriate notice has been given to the consumer. I believe that this provision is relevant to my dispute.

The late payments listed on my credit report from [ creditor 's name ] are erroneous. I have made all necessary payments on time and have never been late. I request that these late payments be investigated and removed from my credit report.

Please provide me with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available.

I understand that you are required by law to investigate and respond to my dispute within 30 days of receipt of this letter. I am keeping a copy of this letter for my records and expect to receive your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The credit bureaus have been violated my rights. I didnt give them consent or written permission to report in accordance to 5 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. This is causing my livelihood to be affected see attachments
Consumer complaint received 2023-11-09
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)

On XX/XX/XXXX  I sent in a hand written letter to dispute and account on my credit report ( XXXX XXXX XXXX ) due to inaccurate information to XXXX, XXXX, and Experian.I received a letter stating that the account information was verified. This account has been charging interest on this charge off account for very month since charged off increasing the balance even though it's been charged off.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (MN)

I am sketchy on the date this happened exactly but I know for a fact it was on the XXXX of the month of XXXX or XXXX. I visited Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX XXXX XXXX ) to use there ATM for I had just received my monthly stipend. I was looking forward to the relationship I would be building with Navy Federal and was moving from XXXX bank so I was excited and entered the branch early around XXXX XXXX  ish. I attempted to deposit {$300.00} into the last ATM machine. While doing so the money jammed in the machine, the machine began to malfuction and restart I waited and waited to see if it was just restarting because it was early or something, but the machine did in fact restart but so did the whole transaction and I recieved no receipt or got to chance to complete my transaction I looked up and noticed that there was a camera right above the machines. I then waited for the bank to open and came back to that same branch and spoke with a younger lady who basically told me this is not a XXXX XXXX bank so there wasn't much they could do and that I needed to contact my bank and tell them what happened. I immedialety contacted XXXX XXXX and explained what happened and to make a long story short I was given a credit and it was taken back because they claimed to have conducted a thorough investigation on. I am out of it feels like {$600.00} but really {$300.00} and that is my bill money for the month I owe people because of this debt I have also requested proof of this thorough investigation because again there was a camera right above the ATM machines so there should be footage of the day I came into the bank twice.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ENCORE CAPITAL GROUP INC. (CA)

Allow me to start with the fact that the financial institutions involved refuse to communicate in a legal way through email. They record all yet that is one sided. I tire of having to screen shot all, and stopped all phone conversations as they did not do as they said. From a legal standpoint, I will not communicate with them in any way other than email. 
This complaint relates to my XXXX XXXX credit card of thirty years, and is directed at : XXXX XXXX XXXX , the original account provider. 
XXXX XXXX , the purchaser of said account. 
-Midland Credit , who currently dispute my payment. 
In XXXX of 2022 I made two separate payments of {$5000.00} to my credit card from two separate banks. Those banks were ; XXXX XXXX and XXXX XXXX. The payment from the former was credited to my account but the XXXX XXXX payment vanished, never showing on my payments. I submitted not only bank statements from the two banks from which the electronic payments were made, I also included a letter from XXXX XXXX that specifically delineates all details of the missing payment. 
For over a year I have been contesting this and hitting a brick wall. Someone stole my {$5000.00} and now my credit rating and good name and neither the finanbcial institutions nor the CFPB have been of any use. 
This debt was paid on time in 2022 and I will NEVER pay it twice! After 30 years of no problems with the same credit card, I never imagined that something like this could happen.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2019-09-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has failed to respond within the allotted time frame. 

This is regarding my student loan payments to XXXX. 

See my original complaint for details.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (AL)

There are XXXX closed accounts XXXX and XXXX on my credit report. I am not sure why if they are closed. The credit bureaus has said they VERIFIED the information and if so the XXXX account according to a XXXX rep was started in a state I dont even live in GEORGIA so Im not sure how it was verified as me. The XXXX account is closed and needs to be removed. The additional complaint sent to the bureau should arrive by Thursday.
Consumer complaint received 2023-11-07
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I initiated a dispute regarding a charge online via my online account with American Express. After answering their questions, and submitting my response, American Express declined to proceed with investigating my claim. After receipt of the denial, I contacted American Express directly and spoke to a customer service representative. I was asked to explain my case again and the reason for the dispute. Per the Representative, I " selected the wrong option for my dispute '' and the Representative initiated my dispute afterwards. 

While I am happy American Express is proceeding with the investigation, the regulation requires that investigations be initiated as long as they fit within the regulatory timeframe to file disputes. This act presents a potential violation of Truth-in-Lending laws. I am requesting that American Express provide an answer as to why my initial dispute was not processed.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 

The accounts are as follows XXXX XXXX Balance {$450.00} XXXX XXXX/ XXXX Balance {$220.00} XXXX XXXX XXXX Balance {$1900.00}
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (IL)

Many different debt collection companies had obtained my information and mailed me numerous collection letters. They try to collect on behalf of JP Morgan Chase. However, I have found out that my SSN does not match with the person who owes them the debt. 

Please do something so I can stop receiving those letters.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I am writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. 
Account Details : BK OF AMER Account Number : XXXX Approximately 30 days ago, I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX 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 2024-05-10
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.