davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

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 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account XXXX : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I have a credit freeze on my account with Experian because I've been the victim of identity theft. I recently applied for a new credit card so I needed to unfreeze my account. I tried calling Experian but they do not allow you to speak to a human ( their system doesn't permit it ). It's all automated, but it doesn't always work. Their automated system doesn't recognize validnumberskeyedin on thephonepad ( such as your social security number ). Even though I had entered in the right number, the system wouldn't accept it. I tried to transfer to a person but couldn't. the system says they only transfer you to a person in limited circumstances ( what that means is anyone 's guess ). I had to call back repeatedly. When I tried hitting " XXXX '' or asking for an agent or representative the system kept saying that's not a option, and eventually hung up on me. How can Experian be permitted to hang up on consumers? How can Experian not have people who can answer the phones? 

When one time I was able to reach someone, thepersonwas not based in theUSA. How can an organizationthat controlssuch sensitiveinformation not be based in theUSA? 

Lastly, why can't unfreezes be limited to a particular back or credit card company? The system only permits wholesale unfreezes, which means any bad actor can apply for credit in that open window. Consumers should be able to say please unfreeze my credit only for the XXXX  company.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Vehicle was purchased then totaled by tornado XXXX  months later, GAP coverage was added at time of purchase. The dealership was responsible for sending the GAP payment to XXXX and did not. We followed up at east XXXX times. The last time we followed up the check was finally mailed, received and signed for by the recipient. However, XXXX had not been able to locate the check as of my phone call on XX/XX/24. Because the dealership did not mail the GAP refund check in a timely manner ( it took XXXX  months before they mailed it only for it to not be found ) the account was reported as delinquent. My credit score has been damaged because of this.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, 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 am very disappointed with these companies ways of investigating. On XX/XX/2023 I sent the creditors and bureaus a letter and all supporting documents that proved I am a victim of identity theft/fraud and that the accounts and inquiries that are reporting are incorrect an must be removed, deleted, blocked from all 3 of my credit files. I asked for the step by step procedure on how they were able to verify this information and both creditors and bureaus failed to do so. I will be forced to take legal action and I will be contacting the XXXX XXXX XXXX and the attorneys general if this matter isn't resolved asap. I will give you all one more chance to get it right and remove these fraud accounts that I am not liable for because I am a victim of fraud.
Consumer complaint received 2024-06-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo allowed for money transfers from my savings account to my checking account remotely after I had already reported my debit card stolen and they were suppose to turn off the card. They allowed {$11000.00} in XXXX XXXX. I went to the bank where I was going to withdraw money and they told me I had insufficient funds in both my checking account and savings account. The XXXX at the Wells Fargo had me come in and expressed to me how this was all their fault and how I would have my money back within XXXX days. I filed a claim with the fraud department and it took nearly XXXX  months for them to deny my claim. Then a XXXX later they allowed some more transactions to go through on the same card that was stolen and a check that I had put a stop payment to go through for another {$2000.00}. I filed a police report immediately after my card was stolen and cancelled my debit card and there was suppose to be a freeze put on the account. When I opened the account there were not suppose to be any transfers made from savings to checking at all without coming to the bank in person. I have tried to contact Wells Fargo to have them rectify the situation to no avail.
Consumer complaint received 2024-05-02
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. (WI)

I have XXXX hard inquiries on my credit report. 

I reported fraud XXXX times with the FTC. Files XXXX police reports as well. 

XXXX with XXXX XXXX and XXXX Police XXXX. 

I would like to have the inquiries removed. 

Also there is XXXX item that is not my account with XXXX XXXX Acct # Accounts # XXXX and XXXX. 

Please help as I have sent in a request to XXXX on XX/XX/year> and was requested to send the original letters. I sent it again on XX/XX/year> and XX/XX/year>. 

Thanks
Consumer complaint received 2024-05-02
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

And according to 15 USC 1681s-2 they are supposed to 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 2024-05-02
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)

An accurate account information I've disputed with Experian both my online, as well as my phone with no resolution. I continue to get Account has been updated per the FCRA. This Credit card account has the account number of a current XXXX XXXX account in excellent standing as I do not or have not had any delinquent accounts with XXXX  XXXX. It shows it was discharge in XXXX  XXXX, which is well not accurate. I found the ID theft report with XXXX submitted all proper documentation to Experian, as well as identity. Documentation requested them to block this account it has not been blocked from my credit report as required by their it has not been blocked from my credit report as required by the FCRA once identity theft has been reported. Any assistance or guidance you XXXX have I would greatly appreciate as I'm seeking legal counsel to file a civil suit, if not resolved.
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. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-02
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)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-06-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

I have a Debt belonging to : NATIONAL CREDIT SYSTEMS, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX, Account # XXXX on all three credit bureaus : XXXX, XXXX XXXX XXXX Credit Bureaus with the opening date of XX/XX/year>. I have tried and tried to get this off my credit reports, but they still insists it's mine. I purchase a home in XXXX XXXX, why would I need to get an apartment in XXXX when i just bought a house? I can give you proof of purchase of our home with the signing date if needed. Please help me to rectify this and get if off my reports as soon as possible. I'm in need of another car and can't get a loan with this lingering in the background.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

In XXXX my wife at the Time wanted me to join her in a debt reduction of our household bills. I said sure Not knowing she is setting up a XXXX XXXXXXXX bankruptcy In our names. I found out when She had a conference call with XXXX XXXX XXXX to relay our income then I learned it was to file a bankruptcy The wife didn't include all her income under oath. After the cal I told her I don't want a bankruptcy and you lied under oath. I called the lawyer that was helping her and told him what happened and I don't what any part of a bankruptcy so he dismissed it. Now it shows up on my credit report as Bankruptcy Dismissed to XXXX. But I never went through with the bankruptcy or had it finalized It should not be on my credit report i asked experian several times to take it off it wasn't mine. But it's still on there.
Consumer complaint received 2017-07-15
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. (PR)

This is in response to CFPB complaint # : XXXX, that was closed because EXPERIAN said that they " VERIFIED ". <P/>CFPB said that EXPERIAN responded and verified that the disputed information was accurate as reported?. The result summaries were sent to you for review on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX? <P/>THIS IS INCORRECT. THEY FAILED TO SEND ME PROOF OF VERIFICATION FOR EACH ITEM IN DISPUTE. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Experian are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed within 30 days of receipt of letter then EXPERIAN must remove these accounts from my credit report. <P/>Only that I requested to EXPERIAN is that send to me proof of verification on items in dispute, and they failed in 9 certified mail letters that I send to them. I have copy of each letters. <P/>The LAW is clear, all unverified accounts must be promptly deleted.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX | XXXX : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern you have violated my rights under the FCRA. 

On ( XX/XX/2023 ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( Insert Date ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ).

Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late XXXX  with account number XXXX This account does not belong to me. 

XXXX  with account number XXXX Remove due to inaccuracy - I never paid late Thank you for your time and attention to this matter. 

XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE -- has been closed ( Sparks business card for weeks and still showing XXXX balance. It was paid off and closed. 
Please confirm its paid 0 balance and closed. 


Credit usage 42 % Balance {$1000.00} Balance updated XX/XX/XXXX Credit limit {$2400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Business Card
Consumer complaint received 2023-06-06
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. (KS)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX late open 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  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 2017-03-30
Product: Credit card — 
Issue: Balance transfer — 
Company: BANCO POPULAR DE PUERTO RICO (MI)

XXXX  life miles visa ; -Card is restricted -Avianca error on a balance transfer and sent {$3700.00} payment on  XXXX  to wrong company, a company i never provided.   -When i called to confront  XXXX   , i w as forwarded to fraud department, fraud investigator provided untruthful statements trying to get me to believe all visa cards were malfunctioning.   - I i nformed Fraud investigator h e was lying, that i have friends who have same card and are not restricted or having other issues as i am.    Fraud investigator  was caught off guard and refused to answer when i asked him why he was lying.   -Due to the restrictions, which were not placed until i disputed a   XXXX   balance transfer of {$3700.00} that was sent to wrong company, I am unable to pay or use this account.    -I am  unable to verify charges- - I strongly urge someone to listen to the call on  X/XX/2017    with  XXXX  and a fraud investigator - I have talked to  3 f raud investigators from  X/XX  through  X/XX/2017    all have provide untruthful statements - to ensure I have a private right to file a lawsuit and collect damages, I have filed disputes with all the credit bureaus.   -  XXXX  representative has also contacted family members at phone numbers i never provided to them or gave them permission.  XXXX  has shared private information with others violating our agreement and Federal law.   - I am also requesting the complete unredacted file  XXXX  has compiled on me, as this is my right and they MUST comply.
Consumer complaint received 2024-08-07
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. (CA)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-02
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. (IL)

XXXX XXXX Bank ss ( XXXX # same inquiries ) wasnt able to provide contract agreement details of fraudulent loans. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they wasnt able to provide contract agreement details of fraudulent activities to obtain retail credit nor activities related to me documented. And XXXX, Its reported as well fraudulent on the EXPERIAN CREDIT REPORT. Identity theft reports as well as police reports and complaints and disputes of EXPERIAN VIOLATIONS to my privacy, and slander of these false reporting to my report.EXPERIAN CREDIT AGENCY fails to comply with the fcra, XXXX, and the cfpb