davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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. (FL)

I XXXX : XXXX a natural and real living human being ( consumer ) who is the Beneficiary of XXXX XXXX XXXX have been disputed these accounts below for the last 5 months and and I received my updated credit report that Experian dated in XXXX that said they have verified these disputed items : XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX. 

How is it possible for these disputed items to have been properly verified because if so they would have been accurate across all 3 credit reporting agencies instead the same inconsistencies of my first two investigation that still remain. I know for a fact that each account disputed has inconsistency of such as incorrect Date opened, Last activity, High balance or last payment entered on my credit report. ( See Attached ) I asked for them to send me the exact process that was used and who determined these accounts were accurate including First name, Last name, badge number, telephone number and position with Experian and how long they been with the company. Pursuant to 15 U.S.C 1681 ( I ) 7-Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The anxiety and stress this is causing me has me prepared to seek civil damages against Experian for the violation of my consumer rights & if these accounts are not Deleted immediately that will be my next step. This was not drafted by any 3rd party, I am a law major and very familiar with my consumer laws.
Consumer complaint received 2024-07-30
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 (GA)

Late payment reports which volate 15usc1666b and is damaging my report to keep my financial livelihood at risk. Company hasnt credit balance according to CFR 1026.11 see attached document
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (TX)

I opened the US Cash Back rewards card to use on monthly utilities and other large purchases because of its quarterly 5 % back categories. Through and according to the statement ending XX/XX/XXXX I have only received 5 % back on one purchase from one category. This was one furniture purchase. The recurring monthly utilities, which I have confirmed with their customer support team are accepted in their system correctly, have not yielded the 5 % that I have selected. My account reflect the fact that I have selected the correct category starting in XXXX of this year. See below the following transactions by reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted US bank and am told it takes 3-5 weeks to review and resolve this concern. It has taken nearly 3 months now and when I call for an update and to add to the list, I am told that it is still pending in a review. Credit card companies will be the first people to exact every penny out of you if you miss a payment, but will drag their feet for months to reward good use of their card. I have always paid the balance in full and have yet to receive they advertised and contractually obligated rewards payment.
Consumer complaint received 2024-05-14
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$5800.00} XXXX XXXX XXXXXXXX {$5000.00} These accounts do not belong to me.
Consumer complaint received 2024-05-14
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. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-04
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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-14
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)

I am deeply concerned about the inaccuracy of my credit report, which is unjustly harming me. I request that you thoroughly investigate this matter and make the necessary urgent corrections. If there are no updates, I will be forced to take legal action.
Consumer complaint received 2024-06-04
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. (MI)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did provide me with the original contract as i requested.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-14
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. (NC)

Upon checking my credit report, I noticed it was showing a closed account from XXXX XXXX XXXX  showing me as a authorized user on a credit card, I have never had, used, or possessed a XXXX  XXXX credit card, I have never authorized anyone to add me to their credit card, and have never spoken to XXXX XXXX XXXX  asking to be added as an authorized use.
Consumer complaint received 2024-05-14
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. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2019-04-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I opened an account with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX that included a checking account and a personal line of credit ( Cash Reserve Account ). Beginning in XXXX, XXXX I placed my first phone call to XXXX requesting to close my account. I asked if I could pay the balance of my credit line and was told I would have to go to a XXXX branch to complete this or transfer the money into my checking account and then pay the credit line, which was about {$5.00}. The closest branch is more than 250 miles from where I live. I asked if I could mail a check and was told that was not possible by at least three XXXX employees or their contracted customer support staff. Instead, I paid a {$15.00} wire transfer fee to transfer the ~ {$5.00} into my XXXX account which I then used to pay my credit line. In the interim, I was charged {$0.00} ( XXXX cents ) in interest. When I called back to close my account, I was told I could not close it because I now owed XXXX cents in interest. Again I asked if I could pay over the phone or mail a check and was told that was not possible and I would have to visit a bank branch. On or around XX/XX/XXXX I called again and demanded that my account be closed, that no interest be allowed to accrue, and that I be given a final total amount due so i could visit a bank branch and pay the amount in full. I was told the account would be closed and no further charges could be made to or from the account, and that I would receive a final bill at some point in the near future with my total amount due and an address where I could send the payment. On XX/XX/XXXX I received a notice stating that my account, including the line of credit, was official closed. The letter stated " No further advances may be made against the Cash Reserve Account ''. Subsequently, two {$5.00} charges were made against the cash reserve account On XX/XX/XXXX and XX/XX/XXXX, which I eventually received notice. I never received the final bill to close the account. On XX/XX/XXXX I called back to settle the matter and was again told I would have to visit a physical branch. I asked to be transferred to a supervisor and was eventually given a PO Box address to which I was told I could send the payment. This is nearly four months after first asking for an address and being told at least six times that was not possible. I demanded that the {$10.00} in charges be reversed and they refused.
Consumer complaint received 2019-04-22
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. (CT)

These fraudulent accounts on my credit reports have hindered me from supporting my family to the best of my ability and has caused me a tremendous amount of stress, anxiety and embarrassment. My quality of life has severely declined as a result of the constant collections calls, time spent attempting to restore my identity, and back-and-forth with the creditors. Please assist effectively and immediately. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} {$120.00} XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$690.00} {$690.00} XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX  XXXX {$0.00} {$300.00} 0 % Revolving Negative  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$12000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$9700.00} - - Installment Negative XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-05-14
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXXXXXX XXXX XXXX XXXX  {$15000.00} ] ACCOUNT NUMBER. XXXX OPEN XX/XX/2016 XXXX : [ XXXXXXXX XXXX XXXX XXXX  {$15000.00} ACCOUNT XXXX OPEN XX/XX/XXXX XXXXXXXX : XXXX XXXX DATE XX/XX/
Consumer complaint received 2024-05-14
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 feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-14
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)

XXXX XXXX XXXX is reporting a credit card on my credit report and to which there were late payments on this account. This account at one point did have a balance which I paid to just have removed from my credit since XXXX XXXX XXXX  would not fix this issue. The payment was returned to me saying this account was fraudulent. XXXX XXXX XXXX  will not remove this account from my credit although they have returned payments to me saying this account is fraud. I have disputed this as fraud multiple times off of my credit which they said they do not find it related to fraud.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

There are accounts in my report that i don't recognize.Kindly remove these fraudulent accounts as they are hurting my profile. 

XXXX XXXX XXXX XXXXXXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX  XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX
Consumer complaint received 2024-05-14
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 am writing to follow up on my previous complaints regarding an invalid and unauthorized negative account listed on my credit report. Despite my repeated attempts to resolve this matter, the negative item associated with XXXX XXXX ( Account Number : XXXX ) remains unresolved and continues to adversely affect my creditworthiness.
Consumer complaint received 2023-11-07
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. (TX)

I am writing to express my concern and frustration regarding my recent dispute to correct a late open account on my credit report. Despite my initial attempt to rectify this issue, it remains unresolved, and I urge you to take immediate action. 

I submitted a dispute with your organization to address an erroneous late open account on my credit report. I provided comprehensive evidence supporting my claim, including documentation that verifies the inaccuracy of this information. However, it has come to my attention that the late open account still appears on my credit report. 

I insist that this matter be addressed urgently, as the presence of this late open account is causing significant harm to my financial life. It has unjustly lowered my credit score, affecting my ability to access loans, credit cards, and other financial services. I am entitled, as a consumer, to have a credit report that accurately represents my financial history. 

I request the following actions to be taken promptly : A thorough and expeditious reexamination of the late open account in question.

Imm

ediate removal of the inaccurate information from my credit report. A formal, written explanation of the corrections made to my credit report. I trust that you will treat this matter with the urgency and professionalism it deserves. Failure to address this issue promptly may compel me to take legal action to protect my rights as a consumer.

Enclosed with this letter, you will find copies of the evidence I previously submitted during my dispute for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to correct this account XXXX XXXX XXXX  Balance : {$470.00}.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I come before your estemed agency to address a matter of profound significance, one that strikes at the very heart of legal rectitude and constitutional principles. It has come to my attention that within the annals of your records, an unauthorized bankruptcy filing has been incorrectly appended to my name and personal identifiers. This egregious misrepresentation not only defies the precepts of legality but also constitutes a blatant infringement upon my sacrosanct rights. 

Of paramount concern is the revelation that the social security number purportedly linked to this bankruptcy filing does not align with my own. Moreover, it is imperative to underscore that the bankruptcy in question bears no nexus to my financial affairs or obligations. This wrongful association not only impugns my standing but also engenders considerable detriment to my financial reputation and prospects. 

In light of the judicial principles elucidated within the venerable precedent of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, concerning estoppel by silence, it becomes incumbent upon prudent legal practitioners to meticulously evaluate the evidentiary foundations before drawing any conclusions regarding the existence or validity of the alleged debt. The absence of substantiating proof may rightly lead one to presume the non-existence of the purported debt. However, it behooves us to conduct a thorough and judicious examination of the pertinent legal context and evidentiary framework before arriving at any determinative judgments. 

I beseech your agency, therefore, to undertake immediate and comprehensive measures to rectify this grievous error, expunging the unauthorized bankruptcy from my record forthwith. Failure to do so will regrettably compel me to explore all available legal recourses to seek redress for the irreparable harm inflicted upon my reputation and financial standing. 

May the principles of justice and equity guide our deliberations as we endeavor to navigate this matter with due diligence and rectitude.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 withXX/XX/XXXX 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.