davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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 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 2020-09-18
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: Experian Information Solutions Inc. (VI)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (CA)

They keep calling to speak to my mother. My mother has never been attached to this number in any way. I havnt lived with her in 5 years and we share nothing financially. They claimed they found this number in public records but all records i can find claim this is my number and that i am her daughter. When i called them out on that they hung up on me.
Consumer complaint received 2019-06-28
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: EQUIFAX, INC. (FL)

XXXX, EQUIFAX AND XXXX ARE IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAVE INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE. 
ITEMS NOT MINE : XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX XXXX XXXX XXXX/XXXX/NOT MINE XXXX -- XXXX XXXXNOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXXXXXXNOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX   XXXX XXXX -- U.S. DEPARTMENT OF EDUCATIONDXXXX XXXX XXXX -- US DEPT OF ED/XXXX/NOT MINE
Consumer complaint received 2024-05-16
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)

In accordance with the Fair Credit Reporting act XXXX  Account name, 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.
Consumer complaint received 2024-05-16
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: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I XXXX XXXX looked at my updated Experian credit report dated XX/XX/XXXX report # XXXX and noticed Experian claim to have updated peoples bank account # XXXX on XX/XX/XXXX. On XX/XX/XXXX I sent CFPB a dispute about the accuracy of this account not being accurate, CFPB report # XXXX was sent to Experian on XX/XX/XXXX since then Experian opened up a re-investigation dispute and the dispute of this account was updated and closed on XX/XX/XXXX. The law states maximum possible accuracy of the information concerning the individual about whom the report relates according to USC 1681 ( e ) ( b ). at this time I am gon na sue Experian in federal, state and local courts due to reporting false information on my credit file that is not maximum accuracy. On XX/XX/XXXX I called XXXXXXXX XXXX account # XXXX with the number Experian provided me with and I talked to employee XXXX in the bankruptcy department, she informed me this account status was paid on XX/XX/XXXX, never Late, paid as agreed and paid closed. this account was never listed in the false bankruptcy Experian is reporting also reporting this account as a negative account. Experian never contacted peoples bank for the accuracy of this account in the month of XX/XX/XXXX or anytime before that according to XXXX XXXX  bankruptcy department employee XXXX. I applied for credit a number of times and was turned down due to this negative information on my Experian credit report. Also the last status updated by Experian for XXXXXXXX XXXX XXXX XXXXXXXX was XX/XX/XXXX according to the Experian credit report dated on XX/XX/XXXX, so Experian has been falsely reporting this information on my credit file since or before XX/XX/XXXX and not proper investigating this account since or before XX/XX/XXXX after falsely reporting to me and the CFPB they are working on this account I am not happy.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (NY)

This complaint is based on Wells Fargos recent response dated XX/XX/XXXX. The complaint will include a number of questions which hopefully will be answered in a straight forward way. 

1. In my previous response I included five attachments as follows : Four attachments contain receipts from the XXXX XXXX XXXX of taxes. As a result of these receipts, the terminology that my account was delinquent is discredited. Please refer to my response on XX/XX/XXXX in CFPB complaint # XXXX to Wells Fargos letter of XX/XX/XXXXXXXX XXXX Since the local tax authorities did not issue an increase in taxes during the period in question from XX/XX/XXXX on, the complaint that initiated the foreclosure dated XX/XX/XXXX is also discredited because the foreclosure complaint is dependent on the discredited delinquency. I have attached the tax receipts once again. Please explain where Wells Fargos increase in payments creating the discredited delinquency during the period in question actually came from? I never was informed of the discredited delinquency. Why not? 
Additionally, the fifth attachment is being provided again to Wells Fargo containing the business cards of my personal bankers during the period in question XXXXXXXX XXXX to XXXX, XXXX. As stated previously, my personal bankers never informed me that my account was considered delinquent by Wells Fargo. They never advised me of any delinquency and they continued to accept my payments. They always complimented me on being a valued customer of Wells Fargo. Were my personal bankers being truthful? 

2. There was no communication from Wells Fargo during the period in question with respect to the origin of the discredited delinquency which was subsequently used as a basis for the foreclosure. Why not? 

3. Why did it take eleven years for Wells Fargo to bring up a {$5900.00} dollar issue at this moment in time? I have never been told anything about it by Wells Fargo. It appears to be a fictitious issue, since it is only being mentioned now because of the timing of the recent Consent Order. Please refer to Section 28 of the Consent Order which describes my particular type of problem. Wells Fargo had numerous years to advise me that this was an issue in XXXX. Was somebody forgetful? Also, this XXXX issue was not mentioned in the XX/XX/XXXX foreclosure complaint. Does Wells Fargo dispute this? 

4. In examining the Consent Order, it appears that Wells Fargo is authorized to investigate itself to determine who has been victimized. Why is there no oversight? 

Attachments : Wells Fargo XX/XX/XXXX Page 1 XXXX XXXXXXXX XXXX of Taxes receipts General Tax Receipt XXXX 1st half General Tax Receipt XXXX 2nd half School Tax Receipt XXXXXXXX  1st half School Tax Receipt XXXX  1st half Personal Banker Business cards XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Wells Fargo Bank XXXX XXXX, XXXX CFPB XXXX XXXX XXXX
Consumer complaint received 2024-06-22
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. (NV)

I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report that have not been adequately addressed despite multiple attempts to rectify the situation. This ongoing issue has had severe consequences on my financial well-being and is causing undue stress and hardship. I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items, and I have provided all necessary documentation to support my claims. However, despite my best efforts, these inaccuracies persist on my credit report, which has adversely affected my ability to secure loans, obtain favorable interest rates, and even pursue certain employment opportunities. I kindly request that you conduct a thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I urge you to take necessary steps to prevent the reoccurrence of such inaccuracies on my report in the future. I am willing to cooperate fully and provide any additional information required to resolve this issue promptly. I expect a written response from your agency within 30 days of receiving this letter, as required by the FCRA, confirming the removal of the fraudulent items from my credit report. Kindly assist me to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} 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  Date Opened : XX/XX/XXXX XXXX Balance Owed : XXXX XXXX XXXX ( Original Creditor : 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 Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-16
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. (NM)

I'm reaching out once again to address my confusion regarding how your credit bureau has handled the investigation into the fraudulent account on my credit report. 

Furthermore, I've directly contacted the company associated with this account, and they confirmed the removal. So, I'm puzzled as to why your bureau is still reporting this account. 

It's crucial to acknowledge that as a credit bureau, you have a legal obligation to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only breaches this obligation but also puts me at risk of further harm. I've already submitted the necessary FTC report to the Federal Trade Commission regarding this fraudulent account. Following this submission, both XXXX and XXXX have removed this account from their records : XXXX - XXXX XXXX  XXXX.
Consumer complaint received 2024-06-22
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. (WA)

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
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 2024-05-16
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)

In accordance with the Fair Credit Reporting act XXXX Account name, XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2024-06-05
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). These items have had a significant negative impact on my credit score and I believe they are inaccurate. I request that you investigate these items and remove them immediately from my credit file. 

XXXX  XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I do not recognize this account, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

I kindly request that you investigate these items and remove them from my credit report as soon as possible, as per my rights under the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-15
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. (TX)

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 2023-04-27
Product: Credit card or prepaid 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: DISCOVER BANK (WA)

Dispute Case Number XXXX, I kindly request that Discover Bank provide clear explanations to the following questions : >> 1. If Discover deemed the Proof of Delivery from XXXX, which included the tracking number, delivery date and time, delivery city and location, and recipient, as " an incomplete copy of delivery confirmation, '' why did the Dispute Team not contact me before closing my case on XX/XX/XXXX? 
>> 2. What prompted Discover Bank to re-review this case on XX/XX/XXXX, after closing it on XX/XX/XXXX? I, as a customer, did not inquire about this dispute or the {$140.00} transaction until XX/XX/XXXX. 
>> 3. How does the {$84.00} credit posted on XX/XX/XXXX relate to this {$140.00} disputed transaction? 
>> 4. Why has Discover not provided any explanations or instructions regarding the contradictions evident in the documents submitted by the merchant and myself? 
>> 5. If Discover considers the aforementioned Proof of Delivery as " incomplete, '' please specify the missing information and provide a standard requirement used by Discover. This way, I can contact XXXX for the correct document that meets Discover 's Standard Requirements.

>> 6. I request a copy of the proof provided by the merchant concerning Dispute XXXX. Please send this to the email address or mailing address listed in my account file. 

>> I strongly urge Discover Bank to carefully review all previously submitted documents related to my case before offering an appropriate and well-informed response. As a customer, I expect prompt, accurate, and transparent communication from Discover Bank, as well as a professional approach to resolving disputes. 
XXXX This will be my final attempt to resolve this case and the {$140.00} transaction with Discover. It is frustrating to deal with the consequences of Discover 's negligent behavior. If Discover Bank continues to provide irrelevant responses, I will take legal action to protect my rights.
Consumer complaint received 2023-10-26
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: BMO Bank, N.A. (MN)

I am writing to file a formal complaint against BMO Harris Bank regarding a recent incident in which they conducted an unauthorized hard inquiry on my credit report. Despite my repeated attempts to resolve this issue with BMO Harris Bank directly, the matter remains unresolved, and I seek your assistance in addressing this violation of my consumer rights. 

The unauthorized hard inquiry in question was made by BMO Harris Bank for an auto loan, a credit application that I have never initiated. This inquiry appeared on my credit report without my knowledge or consent, causing undue harm to my credit profile and raising concerns about potential fraudulent activities. 

The details necessary for this dispute are as follows : - 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 I first became aware of this unauthorized hard inquiry when I reviewed my credit report, and upon contacting BMO Harris Bank to inquire about it, I was met with an unsatisfactory response. Their claim that it was related to an auto loan application I never made is not only false but also deeply concerning. I have not applied for any auto loans within the past year or authorized BMO Harris Bank to access my credit report for any such purpose. 

I am deeply troubled by this violation of my consumer rights, as well as the potential consequences it may have on my credit score and financial well-being. I kindly request that the CFPB investigate this matter promptly and take necessary actions to ensure that BMO Harris Bank rectifies this situation by removing the unauthorized hard inquiry from my credit report. 

Furthermore, I am seeking a comprehensive response from BMO Harris Bank outlining the results of the investigation and the actions taken to rectify the situation. Additionally, I request that the CFPB take appropriate measures to hold BMO Harris Bank accountable for their actions. 

I appreciate your immediate attention to this matter and your assistance in resolving this issue. Please inform me of any actions or responses received from BMO Harris Bank. I can be reached at the phone number provided above to discuss any additional details related to this complaint. 

Thank you for your efforts in protecting consumers ' rights and ensuring fair credit reporting practices.