davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
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. (FL)

I am a victim of identity theft. As required by the Fair Credit Reporting Act, I contacted the XXXX major credit bureaus : XXXX and XXXX resolved and removed the fraudulent account from my credit report. 
Experian has not resolved this issue and continues to report this identity theft account on my credit report. 

It is not my intention, but if this matter is not resolved I will take legal action as false, misleading and inaccurate information is being reported on my credit report in clear violation of the fair credit reporting act. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e.

The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX XXXX  Fraudulent account XXXX Dispute Reason : This account is an identity theft and was opened without my authorization. 
This account is not mine. I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification.

Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (VI)

Good evening : The company Discover Card closed by account that has a credit limit of {$7900.00}, without notifying me in advance. The account had a XXXX balance, and I have been a member of Discover from 2014. I was informed that my account was closed due to lack of activity. I am currently paying a Discover Loan, which is current. 

This sudden closing of my account during Covid, without any notice is cold hearted and without merit. I owe Discover no money on my credit card account and I paid down my Discover Personal Loan of {$30000.00}, down to approximately {$10000.00}. 

I am a XXXX American Male and I feel Discover 's action as basic XXXX!!! I am asking you to contact Discover Card and ask them to justify the action of closing my account. The closing of my account will be detrimental to my credit rating, because it will lower my available credit, which will hurt my credit rating. 

My name is XXXX XXXX XXXX and my Discover Card # is XXXX XXXX XXXX XXXX. 

I requesting that you contact Discover card and ask them to justify its action concerning closing my credit card account. It is disgusting that Discover is closing my account when Covid is killing XXXX Americans at a record rate. It Covid doesn't kill us off then credit card companies like Discover will help finish us off! 

Furthermore, please advise what legal actions I can do against Discover Card due to its outrageous action. I also, wish to know if Congress ' Covid Relief Bill restricted how credit card companies can close accounts without cause during Covid? 

Thank you for your forthcoming consideration of my requests stated above. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

Please consider this as refiling of my complaint to the DEPT OF EDXXXX for allowing the fraudulent accounts and for not taking corrections until this time on my credit report and I have attached the report with identity theft number XXXX. They allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter to the bureau and to the company but they never take action. As I checked my credit report fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-05-19
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-19
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

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 2023-08-28
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I am writing this formal complaint letter to bring to your attention the dismissive response, lack of assistance, and negligence displayed by Wells Fargo Bank in addressing my dispute and complaint regarding transactions from my account. I am deeply dissatisfied with the bank 's handling of my situation and hereby demand a thorough investigation and appropriate actions to rectify this matter. 
In my original dispute letter addressed to Wells Fargo Bank on XX/XX/, I detailed the circumstances surrounding transactions from my account that were used to purchase cryptocurrency. 
Despite providing clear evidence and supporting information, the bank 's response has been dismissive and unhelpful, leaving me in a dire financial situation due to the bank 's negligence in conducting proper due diligence. 
Wells Fargo Bank 's response, as provided to me, lacks professionalism and a genuine commitment to resolving the issue at hand. The bank 's representative informed me to contact XXXX and local law enforcement, effectively passing the responsibility onto external entities rather than acknowledging their role in safeguarding their customers ' finances. This lack of accountability and refusal to take ownership of the situation is both disheartening and unacceptable. 
Furthermore, the bank 's response letters, dated XX/XX/, and XX/XX/, demonstrate a blatant disregard for my rights as a customer. The bank 's claims that the transactions were authorized and therefore not eligible for reimbursement fail to address the fact that the transactions were a result of fraudulent activities. The bank 's inability to distinguish between genuine transactions and those tainted by fraud highlights a severe lack of vigilance and oversight in their operations. 
I demand that the Consumer Financial Protection Bureau conduct a comprehensive investigation into the mishandling of my case by Wells Fargo Bank. I seek the following actions : Full Reimbursement : Wells Fargo Bank must immediately reimburse the funds lost due to the transactions, including any associated fees and charges. 
Thorough Investigation : A detailed investigation must be conducted into the bank 's processes and practices, particularly in relation to its failure to prevent fraudulent transactions and its refusal to address valid customer complaints. 
Corrective Measures : Wells Fargo Bank should implement rigorous protocols to prevent future instances of fraud and enhance its customer support to ensure timely and effective resolution of disputes. 
Formal Apology : The bank should issue a formal written apology for its dismissive and negligent response, as well as for the financial and emotional distress caused by its actions. 
I expect a prompt and thorough response to this formal complaint, outlining the steps that will be taken to address my demands. I appreciate the Consumer Financial Protection Bureau 's commitment to ensuring fair treatment for consumers and look forward to a swift resolution of this matter
Consumer complaint received 2024-05-18
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. (NJ)

I reported that there was an account on my credit report that did not belong to me. The Account is : XXXX XXXX XXXX XXXX After reporting this account to Experian all they said that this account was mine. They did not show or prove that it was mine. I demand that this account is deleted and removed from my credit report as I never applied for any credit with XXXX. It is illegal to report an account to someones credit report that does not belong to them.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-18
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. (TN)

To whom it may concern : 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. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX
Consumer complaint received 2023-09-04
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)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
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. (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.

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 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2024-05-20
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. (FL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-18
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. (PA)

Account name : XXXX Account number : XXXX I just recently looked at my credit report and noticed that some accounts have a late payment. 
Reinvestigate this concern and update payment on XX/XX/year> and XX/XX/year> to pay on time. Delete 30 day late from my credit report immediately due to violation of 15 USC 1681s-2 ( f )
Consumer complaint received 2019-06-17
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. (AZ)

Have written to XXXX, XXXX  and Experian 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANCO POPULAR DE PUERTO RICO (PR)

In XX/XX/XXXX, I entered into a contract with XXXX XXXX XXXX a service provider from XXXX, XXXX. XXXX XXXX XXXX would provide a XXXX XXXX tour with lodging from XX/XX/XXXX XXXX, XXXX. As part of the Agreement, the tour was paid in advance using my credit card Visa Infinite for a total of {$7700.00}. This transaction was registered in my credit card monthly statement on XX/XX/XXXX. Due to the Covid-19 Pandemic, I emailed Minirunuks Events XXXX XXXX XXXX on XX/XX/XXXX requesting that my tour dates be changed. The XXXX XXXX XXXX tour operator accepted my request and changed the tour dates to September XXXX XXXX On XX/XX/XXXX the tour operator made an announcement informing that due to the increased costs to operate that had resulted from the Covid-19 Pandemic there would be a premium charge that would have to be paid before the tour. At this time, I agreed with the tour operator that I would pay the premium charge once I arrived at XXXX for the tour. Since XX/XX/XXXX, the tour operator had been unresponsive after many attempts had been made on my part to seek information on the reservation that had been paid since XXXX. On XX/XX/XXXX, XXXX XXXX XXXX tour operator made what he labeled a Public Announcement on the companys XXXX page informing that they had ceased operations without offering any recourse. On XX/XX/XXXX, I wrote a claim to my XXXX XXXX representative Banco Popular de Puerto Rico XXXX XXXX XXXX ( XXXX ) requesting a refund since XXXX XXXX XXXX did not provide the service that I had paid in advance for and would not respond to my multiple requests for reimbursement. I reiterated my request to Banco Popular de Puerto Rico Card Product Services ( XXXX ) on XX/XX/XXXX. In this letter I explained once again what had transpired with XXXX XXXX XXXX and informed them that I was within my rights to request a reimbursement by Visa according to Dispute Condition XXXX : XXXX Not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Resolution of the Visa Core Rules and Visa Product and Services Rules.
Consumer complaint received 2024-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I did not give XXXX XXXX XXXX on XX/XX/year> and XX/XX/year> permission to pull my credit report. Two inquiry from XXXX XXXX are on my report. This is a fraud inquiry on my XXXX Credit Report.