davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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. (NY)

Please be aware that it is unlawful to threaten legal action without the intent to follow through. With that in mind, understand that I am fully committed to filing a lawsuit against your company. I have repeatedly requested that you investigate and remove the inaccurate information being reported on my credit profile, yet you have failed to take appropriate action. 
My understanding of the law is that you are required to investigate any incorrect information when requested, yet you have ignored all of my prior communications. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides consumers with the right to take legal action and outlines penalties for non-compliance by both credit reporting agencies and information furnishers. 

This serves as my final request for you to fulfill your obligations under the FCRA. If you do not promptly and properly investigate the accounts in question, I will have no choice but to file a lawsuit in my local jurisdiction, requiring you to appear here to defend your actions. 
I take my credit very seriously, and your lack of professionalism and support is unacceptable. I am fully aware of my rights under the FCRA and intend to pursue them to the fullest extent. 
XXXX XXXX
Consumer complaint received 2020-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

Ive been locked out of my cashapp account with {$560.00} since XX/XX/XXXX with more than 5 email attempts at contact to unlock. I verified my account. Still no reply. I unlinked my bank account then re linked it with no success. No actions have been made by cashapp to help help my issue.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX {$670.00} I have contacted this company a numerous of times to remove this. I have a police report on file from being a victim of identity theft. Please furnish the original contract
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and 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 2024-07-24
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. (TX)

I am writing to formally lodge a follow up complaint regarding a persistent issue with my credit report. Despite multiple attempts, I have been unable to correct a late open account that has been inaccurately reported. Despite my numerous efforts to resolve this issue, the incorrect information remains on my credit report. This error has significantly impacted my credit score and my ability to secure financial products. Enclosed with this letter are copies of the relevant documents that support my claim, including any previous correspondence, statements, and proof of timely payments. Please help me investigate the inaccuracy thoroughly and correct the late open account information on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect your prompt action within the 30-day period mandated by law. This account is as follow : XXXX XXXX XXXX Balance : {$260.00}.
Consumer complaint received 2022-10-10
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. (CA)

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 accounts 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 accounts 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. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

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

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and U.S. Bankruptcy Court XXXX Date Filed 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 2024-04-18
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)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY DEPTEDXXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (TX)

I recently conducted a thorough investigation of my credit report, an experience that has inflicted severe emotional distress upon me. The findings revealed unverifiable, invalidated, inaccurate, and questionable items, indicating a blatant disregard for ensuring 100 % accuracy in your agency 's reporting.

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported with absolute precision. However, the accounts in question are in clear violation of both 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), as they fail to meet the standard of 100 % accuracy.

I have attached copies of all correspondence sent to your agency for your perusal.

Immediate action is not just requested but required to rectify these violations and restore the accuracy of my credit report. Failure to do so promptly will leave me with no choice but to pursue all legal avenues available to me.

I anticipate your swift and comprehensive response to this matter.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting act these accounts has violated my rights. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 These accounts are not accurate and please remove them . 


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't furnish a account without my written consent.

15 U.S. Code 1681 A Exclusions- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report Reinvestigate the completeness of every piece of information
Consumer complaint received 2023-02-20
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$19.00} XXXX  XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX : {$31000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$9200.00}
Consumer complaint received 2023-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (RI)

I have private loans through Navient. They are non stop harassing me for payment. I have been struggling to make these payments for years. The loans were originally from a school that closed due to fraud and predatory loan servicing. 
I was misinformed/misled about loans while in school and was told only way to continue education was to get a private loan. This was mid semester within the first year of attending after I already applied for federal loans I had been approved for. I believe this was a discriminatory act from the school and took advantage of me because I was a first generation XXXX  speaking student. 
This school had a class action suit against it from similar stories from other students in regards to loans needed to continue education. I would like help getting these loans canceled.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2017-11-27
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Problems started when XXXX XXXX sold my reverse mortgage to XXXX XXXX XXXX doing business as XXXX XXXX. They tried to foreclose in XX/XX/XXXX. After negotiation they voluntarily dismissed the case in XX/XX/XXXX. In XX/XX/XXXX, they filed lis pendens again against me for the same things that were resolved in XX/XX/XXXX by court order. They are claiming that I did not have homeowners insurance which I did and submitted the declaration page to them over 6 ( six ) times and they still went ahead and put on their own homeowners insurance and have listed said amount on their tentative payoff sheet. Further, they went ahead and paid on the taxes for the home without notifying me or giving me the chance to pay them. They paid these taxes in XX/XX/XXXX and they are not due until XXXX XXXX of each year. They have attached this amount to the payoff as well along with attorney fees from the XX/XX/XXXX court order in which it clearly states that each side was responsible for their own attorney fees in the matter. They hired a law firm out of XXXX XXXX, XXXX XXXX Firm, which from what I understand, is a foreclosure mill group. They are uncooperative to say the least. I am trying to get an accurate accounting because I have sold the home and so far I have gotten four ( 4 ) DIFFERENT AMOUNTS. XXXX XXXX. is a sham group of underhanded and illegal operations. They have been brought up on charges again in XX/XX/XXXX via a class action suit, the same month they started with me. I have filed a law suit against them and now have submitted my case to the XXXX District Court of the State of Florida, XXXX Court. I need help with this organization who is trying to take my home of 24 years.
Consumer complaint received 2023-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (CA)

A few years ago someone used my XXXX account to purchase some XXXX products totalling around {$2500.00}. I immediately requested a chargeback from my bank, which was successful. I then enabled 2FA on my XXXX account and disconnected my bank account from it, and I thought it was taken care of. A few months ago a debt collector contacted my by phone and email claiming I owed several hundred dollars on a XXXX debt. There should never have been a debt because the money didn't transfer. Also, I was never even contacted by XXXX about a debt owed. I have since reopened that XXXX account and use it occasionally, and have never gotten any debt notifications. 

This is being reported on my credit as a debt owed and I'm not sure why or how I can remove it. It is being reported on my credit as a debt of {$640.00}, but their collection email said it was {$220.00}.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have always made sure that payments on this account are made in a timely manner, never allowing them to become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

I called Wells Fargo XXXX Account Services today, XX/XX/23 at XXXX pm eastern time. XXXX. 

I asked to have my name and my son 's mother 's named removed from his checking account so we could not longer see his transactions. He is XXXX and deserves his privacy. 

However, the Wells Fargo representative told me all three of us had to go to a branch to have our names removed from his account. I then explained our son is away at college and my ex-wife and I do not live near each other any more. The representative then told me we could each go to a different branch and have a conference call with the branches and they " might '' be able to remove us from his account. Emphasis on " might. '' Further, trying to find a time convenient for the three of us when three different branches have the same appointment times seems to be insurmountable. Our son is in college, and both his mom and I work.

Her next suggestion was that since each of us had access to his account, we could close the account and then he could open another account on his own. I found these suggestions unacceptable.

Then I tried to file a complaint on Wells Fargo 's website while signed into the account. I searched " How do I file a Complaint. '' No results were found. Instead, I received a message saying " If you did not find what you are looking for, try the results from our public website. '' I attached an image of these results. 

Then I went to www.wellsfargo.com site and searched again for " How do I file a complaint. '' The results of that search returned XXXX results even after I narrowed down the search results by selecting XXXX filters. I also attached an image of the results from this search with this complaint. 

I then started scrolling through those XXXX results and gave up after not finding instructions. Probably after XXXX results or so, not the entire XXXX. I believe the search results are non-productive and maybe even intentional so customers get frustrated and give up on filing a complaint. 

Can there be any easier way to there any easier way to find out how to file a complaint other than searching in the manner in which I did in both ways which the bank suggested? 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

My mother sent me money through XXXX she has a limit of XXXX per day with XXXX XXXX. She accidentally sent another {$790.00} on the same day so we could pay the rent and it said that portion would be sent the following day. XXXX XXXX sent the funds to my bank Truist and when I called to ask why I could not access the funds the Truist representative told me they had the funds but that Truist was going to hold them for 3 business days. I called XXXX they said I had to deal with the banks. XXXX XXXX did what they were supposed and sent the funds on the following day now Truist with absolutely zero reason or warrant had taken it upon themselves to just hold the funds for 3 business days. The submitted receipt from XXXX from XXXX XXXX to Truist said the funds would be available on XX/XX/2023 so now no one at Truist can tell me why they will not release my funds!!! Now I can not pay my rent and my landlord will certainly have reason to charge late fees or start an eviction.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX has illegally reported a total count of twenty-two late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.