davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error, and I seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the accounts stated above. Additionally, I have contacted the companies through a phone call, and they have confirmed the need for correction. 

Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove these information from my credit report.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I was victim of identity theft on XX/XX/XXXX i am going to supply you local police report and online identity theft report.Somebody stole my identity they open up some credit card accounts some telephone accounts.They are damaging my credit and they are not my accounts.Here are the details of negative items on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX ( XXXX XXXX XXXX XXXX  ). 
XXXX XXXX late payment XX/XX/XXXX, XX/XX/XXXX. 
I need your help to remove these negative accounts from my credit report. I need to buy home very badly. I can not get mortgage because of these negative items.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

My wife and I bank with Navy federal. We deposited a bank draft check from the dealership ( XXXX ). XXXX and their corresponding bank, XXXX XXXX, have already confirmed that the funds were transferred immediately with no chance of bouncing. Navy federal told us the money would be available anywhere from 24-48 hours later. They put a 5 day hold on the bank draft check with no explanation. We have Called on multiple occasions, including talking to supervisors, and apparently no one can explain to us why there is an additional hold on the check and confirmed they had already received the funds. We have XXXX kids and need a vehicle for work and school. We also have bills to pay and groceries to get but no money is available for that.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

Hello! 

I am writing to formally lodge a complaint against Wells Fargo. As a customer of Wells Fargo, I encountered a significant issue in XXXX that remains unresolved to this day. 

**Issue Description** : In XXXX, a friend of mine wrote a check to me, which I deposited into my bank account. Subsequently, the bank closed my account and withheld the check amount, without returning the money to my friend. When I visited the bank to inquire about the status of the check, the bank staff informed me that the money had been returned. However, I recently contacted another department at Wells Fargo and learned that they had actually withheld the check funds. 

**Communication History** : I have contacted Wells Fargo 's customer service multiple times, as detailed below : - On [ XXXX ], I contacted Wells Fargo 's customer service via [ phone//live chat, etc. ] and did not receive a satisfactory resolution. 
- On [ XXXX ], I visited the bank and was informed by the staff that the money had been returned. 
- On [ XX/XX/XXXX ], I contacted another department at Wells Fargo and discovered that the check funds were withheld.
Consumer complaint received 2024-04-30
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-05
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. (IL)

To Whom It May Concern, I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX XXXX ). Furthermore the late payments are inaccurate across the credit bureaus. EQUIFAX shows one late payment and XXXX and XXXX shows 2 late payments which shows inaccurate late payments across the bureaus.Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, 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. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-04-30
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. (GA)

Despite providing comprehensive documentation and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to manage such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open accounts remain unresolved, raising questions about the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entries on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct these accounts in my credit file XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (TX)

I have since then reported these accounts as made my identity theft, along with a identity theft report because I have no knowledge of the accounts. You were made aware of this before and after XX/XX/XXXX with an identity report attached about the following accounts. Consumer Law states that this must be removed in 4 days of notice of identity theft. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX SECTION 605 A 15 U.S. CODE 1681 C-1 and SECTION 605 B 15 U.S. CODE 1681 C-2 support my claim against identity theft while stating : 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} PER violation. I want XXXX per violation of the removal of the accounts. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

If you do not immediately remove this information, I will file a formal complaint with the FTC.
Consumer complaint received 2024-07-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hanwha QCells USA Corp (CA)

I had a loan for solar panels with Enfin Corp ( loan number XXXX ). On XX/XX/2024, I paid off my solar in total. However, on the same day, they incorrectly withdrew an additional payment of {$1200.00}, which has not been refunded. 

Every time I've called, they told me it would take a month to refund. 

Most recently, they've now told me it will now be 2 months. 

It's now XX/XX/XXXX, and I want my money back WITH INTEREST ( my interest rate was 10 %, so this should be the same ). 

If the situation were reversed, I'd be paying interest and late fees!! 

This money could have been paying off other debt or invested. It is ridiculous that it was debited incorrectly on their part and they aren't fast to resolve it!
Consumer complaint received 2024-04-29
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)

PLEASE BLOCK AND REMOVE I urgently request your immediate action to address the fraudulent inquiries on my credit report. These unauthorized inquiries have caused me significant distress, as I did not authorize them. It is unjust for me to bear responsibility for these accounts, as I did not initiate or approve them. I implore you to promptly rectify this situation.
Consumer complaint received 2023-10-26
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. (MO)

On XX/XX/2023 I personally went to the XXXX XXXX of Missouri courthouse and requested a document stating that the courts do not report to third party credit bureaus. On XX/XX/2023 I received a response from the court stating that they do not report bankruptcy to anyone. So if that's the case how did the credit bureaus verify my bankruptcy is 100 % accurate? They never did a fair investigation according to 15 USC 1681. 

15 USC 1681 section 603 State the terms investigative consumer report means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such of the information. However, such information shall not include specific information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor or a consumer or the consumer.

They have also violated my rights numerous of times.

The credit bureaus violated my given rights under 15 USC 1681.

According to USC 1681 section 6028 States I have the right to privacy.

According to 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 a person should 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.
Consumer complaint received 2024-04-29
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)

This issue was previously filed and resolved in XX/XX/2021 ; see issue number XXXX and issue number XXXX for additional information and attached documentation highlighting the account successfully disputed and removed, illegal aging, and reappearance over the years. 

The representatives of each bureau assured me in 2021 that the account would not be re-posted. 

However, the previously removed XXXX account reappeared again sometime in the last few months, this time XXXX posted it through XXXX XXXX XXXX. The Experian report makes it clear it's the same XXXX account that was previously disputed and invalidated multiple times. It shows as a new collections account and has significantly reduced my credit score.
Consumer complaint received 2023-11-14
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-06-05
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)

I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXXXXXX XXXX XXXX$200.00} XX/XX/XXXX XXXX collection {$560.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX Auto ) XXXX  ( Bank ) XXXX XXXX XXXX Finance ) XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Auto ) XXXX XXXX XXXXXXXX ( Finance ) XXXX XXXXXXXX ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2024-04-30
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. (IL)

On XX/XX/year>, I tried to dispute an error on my Experian credit report, but the website does not work or allow me to submit a dispute ( see screenshot attached ). However, from the credit report online I can see that there is a XXXX XXXX account reported on my credit report with erroneous balance ( see third screenshot attached ). Entire account consists of fraudulent balance and should be removed from my credit report ( see police report attached ).
Consumer complaint received 2024-04-30
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. (CA)

Since XX/XX/2024 till now I've filed multiple disputes regarding my student loans being totally discharged and paid in full. There is XXXX MONEY OWED TO XXXX XXXX XXXX. ALSO XXXX XXXX XXXX is reporting a COLLECTION ACCOUNT in the debt amount of {$10000.00}. This account was opened online fraudulently due to identity theft. I never resided at the address on this account. This address is not on my credit report. PLEASE DELETE THIS FRAUD ACCOUNT FROM MY CREDIT FILE.
Consumer complaint received 2023-09-18
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. (CT)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and Equifax credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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. (WA)

Account : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX Report shows this account was opened XX/XX/XXXX. The account status is collection account with {$840.00} past due as of XX/XX/XXXX. The responsibility is as individual, and the past due amount is {$840.00}. The original balance was for {$750.00}. This account states that the original creditor name is : XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX. I have no knowledge of XXXX XXXX. Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.
Consumer complaint received 2024-04-29
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. (IN)

PLEASE BLOCK AND REMOVE I urgently appeal to you to take immediate steps to remove the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me significant distress, as I did not authorize them. It is unjust for me to be held accountable for these accounts, as I did not initiate or approve them. I urge you to promptly address this issue.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX. Please delete these accounts ASAP.