davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

This account was charged off on the following date XX/XX/XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history this inaccurate information falsely manipulated the status of limitations. 
The account charged off was {$6800.00} dollars I had a payment agreement from XX/XX/XXXX to pay {$200.00} dollars per month which I have been paying on time. ( 16 months at {$200.00} dollars = {$3200.00} dollars ) I paid in full the obligation on the XXXX of XX/XX/XXXX the agreed upon amount of {$5200.00} dollars. 
Today XX/XX/XXXX after 3 months they still have not updated the credit bureaus to reflect that payment. This is directly impacting my credit score in a negative way and the information they are reporting is inaccurate.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$59.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$76.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$680.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : ) XXXX Balance : {$84.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo charged me thousands of dollars in NSF fees over the last 3 years. Even during COVID when banks were waving them I was still getting hit with fees. Accounts were positive at end of business day but somehow within hours negative and hit with all the fees. Never given the chance to even make the account positive. I was constantly told they are unable to refund due to the amount of reversals in the past 6 months was over XXXX.
Consumer complaint received 2024-07-05
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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. (MI)

I have been disputing multiple items on my credit report for an extended amount of time and have yet to be provided with any verification of alleged debt and said public record. As per the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as i requested before the end of the 30-day period. Instead, you sent me results of remaining accounts/records. It's clear you have willfully failed to modify or delete the disputed information, you willfully failed to conduct a reasonable reinvestigation of my disputes because I still currently have a collection account ( XXXX  ), charge offs and a bankruptcy reporting on my credit report. According to FCRA sec 605b, it's illegal to report information on my credit without my permission. Also, while these items were in dispute the company failed to follow FCRA rules of cease and desist of collection and communication including through any mediums, which includes reporting to bureaus. Charge off accounts according to the IRS publications are considered income. Income isn't allowed to be reported to any credit reports ; therefore, must be deleted promptly. These collection accounts i've requested to receive actual PROOF of debt ownership, proof of my wet ink signature on contract with said debt collector, method of verification and valid right of collection. Your failure to properly investigate is an intentional and/or negligent FCRA violation . For this alleged bankruptcy I have done my due diligence, by contacting the listed bankruptcy court for verification. They are not a data furnisher of this alleged bankruptcy. They have provided me a letter stating they do not report any information to any reporting agency! However, they're listed on my report as if the courts reported this information to them. I have made copies and sent this letter to all 3 credit bureaus. XXXX was the only one to delete the public record. Furthermore, I have also sent the letter to XXXX  XXXX and they sent a letter notating updating and deleting the bankruptcy from my record as well. As a result of your conduct, you should promptly delete the disputed information. Since it has now been multiple disputes with no verification or valid updates. You lie to deceive your clients and ruin reputations. The reporting requirements do not comply with the FCRA 611- 15 USC 1681 and the information must be deleted immediately.
Consumer complaint received 2024-05-28
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. (SC)

Subject : Request for Removal of Hard Inquiries with No Associated Accounts on Experian Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of XXXX hard inquiries that have appeared on my Experian credit report. These inquiries are adversely affecting my credit score and are not linked to any accounts or applications. The details of the inquiries in question are as follows : XXXX. XXXX inquiry dated XXXX XXXX. XXXX XXXX inquiry dated XXXX XXXX. XXXX XXXX inquiry dated XXXX These inquiries are contributing nothing to my credit profile and are only serving to harm my credit score since they stand alone without any accounts connected to them. As such, they should be removed immediately. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. Section 611 of the FCRA provides that consumers can dispute the accuracy of any item in their credit file, and credit reporting agencies are obligated to correct or delete any information found to be inaccurate, incomplete, or unverifiable within a reasonable period. 

Additionally, South Carolina state law, specifically XXXX XXXX XXXX. XXXX et seq., protects consumers against unauthorized use of their personal information. This law mandates that businesses operating in South Carolina must ensure the accuracy and security of consumer information, including credit reports. Since these inquiries are not linked to any accounts, they violate my consumer rights under both federal and state laws by unjustly damaging my credit score. 

I have already attempted to resolve this matter directly with Experian but have not received a satisfactory response. The presence of these unauthorized inquiries continues to cause undue harm to my creditworthiness and financial stability. 

I respectfully request that the Consumer Financial Protection Bureau intervene to ensure : XXXX. A thorough investigation into the origins of these hard inquiries. 
XXXX. Immediate removal of the inquiries from my credit report due to their lack of associated accounts. 
XXXX. Implementation of measures to prevent future unauthorized inquiries and protect my credit information. 

I appreciate your prompt attention to this serious issue and look forward to a swift resolution. Please confirm receipt of this complaint and inform me of any actions taken on my behalf. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (IN)

XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 Elan Financial report to the bureaus that I had late payments these months. On XX/XX/XXXX I disputed these derogatory items with Elan Financial and all of the late payments were removed. On XX/XX/XXXX the derogatory items were replaced on my credit reports. According to FCRA U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. FCRA 15 U.S.C 1681 b, subject to subsection ( c ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. And according to FCRA 15 U.S.C 1681 ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section 1681 XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$91.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$91.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

ID docs for verification that it is I 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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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. 

XXXX  Account # XXXX, XXXX, XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2024-05-28
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. (AL)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$99.00} XXXX XXXX  Balance {$3100.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act. The accounts listed below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681. 

I informed Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, and XXXX XXXX XXXX # XXXX. 

However, they stated everything was complete and accurate which was a lie. How is that possible when the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to ensure 100 % accuracy and modify or delete accounts that are not reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These people are hindering my ability to get or obtain good credit due to their illegal actions.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

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