davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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. (CA)

XXXX XXXX DATE : XX/XX/XXXX THIS IS MY SECOND DISPUTE SENT TO EXPERIAN WHY WASNT AN INVESTIGATION DONE ON MY FIRST DISPUTE RECEIVED ON XX/XX/XXXX WHY ARENT MY ACCOUNTS UPDATED AS DISPUTED? 

YOU ARE IN SERIOUS VIOLATIONS OF THE FCRA DELETE THESE INCOMPLETE ACCOUNTS AND DELETE THESE INACCURATE ACCOUNTS I am writing to address a matter of significant concern regarding the accuracy of my EXPERIAN credit report as provided by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am deeply disappointed with the results of my recent investigation request, which revealed multiple inaccuracies and incomplete information on various accounts on my credit report. 

Upon reviewing the information provided in my EXPERIAN report obtained through XXXX, I identified the following inaccuracies and incomplete data : XXXX. XXXX Account XXXX : XXXX - Inaccurate reporting of a {$96.00} balance on a charged-off account. 
- Missing payment history information from XXXX and XX/XX/XXXX. 
- Incorrect reporting of a 30-day late payment in XX/XX/XXXX, not corresponding with the payment history guide. 

XXXX. XXXX XXXX Account Number : XXXX - Reporting of a {$1200.00} balance on a charged-off account. 
- Incomplete information regarding the most recent payment. 
- Incomplete information in the monthly payment section. 
- Incomplete account number information. 

XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX - Reporting a balance of {$23000.00} on an account charged off by XXXX XXXX XXXX XXXX. 
- Incomplete information under the recent payment and monthly payment sections. 
- Reporting " ND No Data '' for XX/XX/XXXX, indicating incomplete information. 

XXXX. XXXX XXXX XXXX Account Number XXXX - Missing Balance Histories. 
- Missing recent payment and monthly payment information. 
- Reporting 30 days past due for XXXX, XXXX, and XX/XX/XXXX while showing " Paid, Closed. '' XXXX. XXXX Account XXXX : XXXX - Reporting a {$5800.00} balance on a charged-off account. 
- Incomplete information under the Recent Payment and Monthly Payment sections. 
- Discrepancy between the " Reinvestigation Info '' and " Status Updated '' sections. 

XXXX. XXXX XXXX XXXX Account Number : XXXX - Incomplete information under the Recent Payment and Monthly Payment sections. 
- Incomplete account number reporting. 
- Reporting {$0.00} payments from XX/XX/XXXX to XX/XX/XXXX, inconsistent with current/ terms met reporting from XX/XX/XXXX to XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX - Reporting a balance on a closed account. 
- Unclear account closure date. 
- Incomplete information regarding recent payment and account terms. 
- Discrepancies in the reporting of payment history.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

I pay a seller about {$850.00} for promotion and he couldnt deliver so I requested a refund which he did but chime havent send the money to me yet, I even attach the final ss of the dispute from the seller that the bank has my funds, another is the {$1000.00} for the same music promotion and XXXX page they couldnt deliver I open a case they got the money but refused to give it, the last was the XXXX XXXX  XXXX  said they refunded the money but chime havent given it yet please XXXX you close my account can you write my {$2200.00} check? From my disputes I will attach the XXXX  of each dispute I save it just in case you want to say Im lying because you can do something like that and let me know if you need more information or evidence this I will provide all the info I got them save
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal ioTrade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-30
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. (IN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-30
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 XXXX XXXX XXXX act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 c. ( 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 2023-10-30
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. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (GA)

To whom it may concern I am requesting for Westlake Portfolio Management to delete the reporting account from my consumer report. This company has failed to provide a complete and accurate record of payment history, This company refuses to update inaccurate information when I have already put them on notice that information is incorrect. I have requested this information and what was provided I will attach along with this complaint. This company is also unlawfully reporting a repossession in XX/XX/year> when there was no repossession taken place. I am requesting a reinvestigation into this matter. The CFPB is authorized to investigate this fully and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. 
Note I am a very litigious consumer, and I will proceed with legal action for all my consumer rights violations under this subchapter plus all remedies and actual damages as a result of your failure pursuant 15 USC 1692K.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 10 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX 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 2024-05-28
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. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-08-06
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-31
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. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (GA)

Fraudulent accounts have been opened in my name, I reported these accounts to the local police and I have the police report, the following accounts are fraudulent and I never opens them I DID NOT APPLY FOR THESE ACCOUNTS, THESE ARE FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-08-06
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. (IL)

I was fully aware of being a victim of identity theft around XXXX of XXXX an until today i am having issues with reporting agencies removing this accounts from my credit report. I can never verify my identity any where. I am not able to do anything when it comes to credit. i have sent certified mail 3 times within the last years verifying my identify and other documentations.
Consumer complaint received 2023-12-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: DISCOVER BANK (VA)

I have been trying to resolve this issue with Discover Home Loans since XX/XX/XXXX, XXXXwhich was the due date for my XX/XX/2023 payment. I was told that they would withdraw the payment from my new checking account when I called in to change my checking account information that was on file for my automatic payments. I pay my bills on time and realized that I did not have online access to update my checking account information at that time. The associate I spoke with assured me that my payment would be made and taken from my new checking account. 
Payment was actually withdrawn from the old checking account which resulted in a {$32.00} NSF fee. I called again and spoke with XXXX, a supervisor who PROMISED me that my XXXX payment would be withdrawn from my new checking account. I was told that they could not issue anything to me via phone request to have the NSF fee of {$32.00} refunded back to my old checking account. I was told I had to write in. I tried that and was given an incorrect email address. When no payment was made as promised by XXXX and when I could not successfully reach anyone, I filed a complaint with CFPB. Discover stated that they would issue a check for the {$32.00} NSF fee and that if I made the XXXX payment, that they would consider waiving the late fee. That is only when I learned that I was charged a late fee for something that wasn't even my fault. I wrote in called on XX/XX/XXXX, XX/XX/XXXX, wrote in on XX/XX/XXXX, and several other times. I was never told of the late fee until they answered the CFPB compliant. I have been charged interest, late fees, and never refunded the NSF fee they claimed would be mailed to me via a check. I did not request this refund check. I need something from them stating that I should have never been charged an NSF fee so that I can undo all the damage to the old checking account that they have caused. In addition to all of these fees/interest, I started receiving collections calls. No one from Discover would speak with me regarding my account issues or waive any fees because of the CFPB compliant. I have had no other choice but to pay the late fees and associated interest. This is unfair practice and is a direct violation of debt collection regulations as it pertains to mortgages. I need the following to happen in respect to this issue that has been going on for over 30 days : A letter on Discover Home Loans Letterhead stating that the NSF fee that occurred as a result of them debiting the old checking account back on XX/XX/XXXX was due to their error. I also need them to refund all associated fees ( late fee ) and finance charges to the mortgage account. In addition, they need to speak with me regarding my account and stop hiding behind the fact that I have submitted complaints against them. They have ruined my credit with this nonsense.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-30
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 am writing to express my deep frustration and dissatisfaction regarding the numerous attempts I have made to correct late open accounts on my credit report. These inaccuracies have significantly impacted my credit score and financial standing, and despite my best efforts, the issue remains unresolved. 

The following issues persist on my credit report : I have repeatedly tried to rectify the inaccuracies in my credit report related to late open accounts. These late open accounts do not accurately reflect my actual credit history, as I have consistently made timely payments on all open accounts. However, these erroneous entries continue to mar my credit history, adversely affecting my ability to access credit and other financial opportunities. 
I have made numerous attempts to resolve these issues by contacting the respective creditors, submitting dispute letters, and providing supporting documents, but there has been little to no response or resolution from your end. I understand that the accuracy of credit reporting is crucial, and I am committed to maintaining my financial integrity. 

I kindly request your immediate attention and action in investigating these inaccuracies on my credit report. I expect a thorough review of the information I have submitted and prompt correction of these errors. I also request that you provide me with written updates on the progress of this dispute and the results of your investigation. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions to resolve this matter if these discrepancies are not corrected in a timely manner. It is my hope that such actions will not be required and that we can work together to rectify these inaccuracies promptly. I am asking for your immediate assistance to correct the following late open accounts : XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXX  XXXX Balance : {$20000.00}.
Consumer complaint received 2023-10-30
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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. (NY)

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization that may have been given Please see the attached notice ( s ) I have also attached the first notice ( s ) that was sent to each corporation that has been ignored.