davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to formally lodge a complaint against Experian for their failure to address and resolve inaccuracies on my consumer credit report. On XX/XX/year>, I sent a detailed letter to Experian via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ), outlining several inaccuracies and requesting proof of validation for the following accounts that I do not recognize : XXXX XXXX  account number XXXX XXXX XXXX account number XXXX XXXX  account number XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX XXXX  XXXX account number XXXX Additionally, I requested information regarding three hard inquiries made by XXXX XXXX XXXX, which I do not recognize. 

Despite my efforts to resolve these discrepancies, Experian has not provided me with any of the requested documentation or proof of validation as required under the Fair Credit Reporting Act ( FCRA ). This lack of cooperation is preventing me from correcting my consumer report and is adversely affecting my credit score, thereby hindering my ability to obtain a good job, a decent car, and a home in a good neighborhood. 

I am seeking your assistance in this matter to ensure that Experian complies with the FCRA and provides the necessary documentation to validate the disputed accounts and inquiries. I am committed to resolving this issue but require cooperation from Experian to do so. 

Please find attached copies of my initial correspondence with Experian, along with proof of certified mail delivery. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your assistance.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I initially applied for a credit card email offer, but did not receive a confirmation or response. I remembered my credit is frozen, so I unfroze it with all XXXX bureaus and tried the application again. That second application was then declined because it said I already had an application in process. Then the first application was also declined because it said I had another application in process. My application was declined without review or consideration due to the system already seeing the duplicate application and has been stuck in this loop. Ive called customer service several times and they say they have no way of fixing this or escalating the issue. I would like to have Application ID : XXXX properly reviewed and issue an actual evaluation of whether or not I should be eligible for the offer that was emailed to me.
Consumer complaint received 2023-07-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: National Finance Company, Inc. (NC)

XXXXNational Finance Company XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Lender sent live check for loan in mail with terms. Check was cashed in agreement with terms. Lender will not provide any statement of account in writing, web site payment option does not show amount due, owed balance, when next payment is due, principal or interest. 
When you call their office you are told they do not provide anything additional in writing and never have. 
Making payments blindly online, with no confirmation the payment is applied to your account. 
The staff is rude and demeaning, bad choice on my part.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-09-13
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, 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 an account without my written instructions
Consumer complaint received 2024-07-06
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. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). 
I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a XXXX  determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2024-05-21
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)

My name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/year> stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States post office indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION! 

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code
Consumer complaint received 2023-06-21
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: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing this email to file a complaint against Wells Fargo bank for their failure to address customer disputes. 

Regarding this particular transaction, I have contacted the bank multiple times, but they have shown a passive attitude towards resolving the issue. They falsely claimed to have submitted the dispute, but it was nothing but a lie. The seller has provided no post-sales service, and it is only this bank that is incapable of retrieving any disputed funds. It is an inept bank that only cares about taking money without fulfilling their responsibilities. 

It is crucial for the authorities to supervise this matter and ensure that my payment is recovered. I urge you to investigate this complaint thoroughly until the bank takes appropriate action. 

Sincerely,
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

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 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I have filed multiple disputes with XXXX  XXXX in regards to the inaccurate reporting on my credit report and nothing has been done to fix the situation. 

XXXX XXXXXXXX is inaccurately reporting information on my account in regards to the date the account was closed and a 30 day late payment. 

I have a letter from XXXX XXXX stating that the account was closed on XX/XX/. As of my credit report on XX/XX/XXXX  the account was reporting accurately as closed. The following month the account was then reported as 30 days late in XXXX and closed in XXXX. The month after, the account was reported as closed in XXXX and so forth. 

As of my most recent dispute, one account is now reporting that the late payment was in XX/XX/XXXX  and the account was closed in XX/XX/. 

I have been trying to have this situation handled numerous times to no avail and am now demanding it to be fixed. I was suggested to seek legal assistance by the CFPB for next steps and this will be my final attempt to have this situation fixed before doing so. 


Please have XXXX XXXX accounts reflect the accurate date of closure ( XX/XX/XXXX  ) effective immediately.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Dear Equifax : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account for XXXX XXXX XXXX was deleted from my credit report, between XXXX XXXX and On XX/XX/year> XXXX XXXX  was added back to my report. According to the FCRA Reinsertion law 1681 I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
Best Regards, XXXX XXXX
Consumer complaint received 2024-05-21
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)

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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Consumer complaint received 2024-05-21
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)

My name is XXXX XXXX XXXX XXXX ss # XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX Account name XXXX XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/year> stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States XXXX XXXX indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code
Consumer complaint received 2024-05-20
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 submitted the following complaint to Experian XX/XX/24 : I have pulled my consumer report and see that there's a collection account on my consumer report. I do not recognize this creditor. According the FCRA under 15 U.S. Code 1681b - Permissible purposes of consumer reports. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A creditor needs my written consent to add anything to my consumer report, if I did not give this authorization that is a violation of the Fair Credit Reporting Act I have not given any verbal or written authorization for this reporting. The claimed original lender on the reporting says " XXXX XXXX ''. I do not owe XXXX XXXX as I have a official court ruling stating there's no balance owed to this original creditor. Where is the information coming from?
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-07-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (OH)

I recently discovered a debt collection entry on my account that I did not authorize and have no knowledge of. This debt was never incurred by me, and I have not received any prior notification or documentation regarding it. I am requesting an immediate investigation and removal of this unauthorized entry from my account.
Consumer complaint received 2023-09-21
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: Bread Financial Holdings, Inc. (FL)

I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
COMENITYBANK/ XXXX XXXX. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law
Consumer complaint received 2017-11-09
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. (MI)

I am a victim of identity theft and have filed a police report about this matter back in XXXX. I have been disputing the fraudulent information for awhile and have been told that my police report was not good enough. I have been spoken to very rudely by customer service representatives as well as when I tried to contact someone at corporate the operated was rude. I have been disputing the fraudulent accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and my personal cu. This all started back in 2012 until current and have been told to keep disputing. Equifax is refusing to remove this information even with the documents that I have sent in.
Consumer complaint received 2023-04-22
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. (FL)

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 

+ XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXXXXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX 
Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2023-11-19
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: EQUIFAX, INC. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE WITH THE UNAUTHORIZED INQUIRIES! 

I have disputed these fraudulent inquiries multiple times with EQUIFAX and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately.
Consumer complaint received 2019-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Through Chase online, today I tried to enter an external account that I have at XXXX XXXX XXXX XXXX so that I could transfer money back and forth between it and my JP Morgan account. 

Chase online, which is the only online banking service JPM has provided me, would not allow me to do so. In addition, when another person on the same JPM account tried to schedule a transfer to XXXX XXXX, contradictory information was provided in at least 3 different locations in Chase online about the date the money would actually leave the JPM account, making it impossible to schedule the transfer, due to unreliable and incoherent information provided about the transfer, when it would leave the JPM account and/or arrive at the XXXX XXXX  account. 

Both persons on the JPM account attempted to make a transfer or set up a transfer to the same XXXX XXXX account. The transfer is needed in order to pay a monthly mortgage, yet JPM prevents users from being able to use this function, despite widely advertising its availability. JPM blocks the timely receipt of electronic funds transfers by other institutions for mortgage payments.