davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (AL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent accounts continue to appear on my credit report. Upon discovering this fraudulent account, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the accounts remains on my credit report, causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into this matter and immediately remove these fraudulent accounts from my credit report. The continued presence of these fraudulent accounts are unwarranted and damaging to my credit standing. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (MD)

I am writing to file a formal complaint against XXXX XXXX XXXX  XXXX regarding their failure to address and investigate inaccuracies in reporting on my Equifax credit report. On XX/XX/year>, I sent a dispute letter to XXXX XXXX XXXX  XXXX, requesting an investigation into the inaccurate reporting of an account that appears on my Equifax credit report. 

The account in question was included in a Bankruptcy Discharge and should not be reporting negatively. Despite all payments being made on time for the past two years according to my payment history across all three credit bureaus, XXXX XXXX XXXX XXXXXXXX has failed to update the reporting on my Equifax credit report accordingly. 

In my dispute letter, I specifically requested XXXX XXXXXXXX XXXX XXXXXXXX to provide detailed information about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from XXXX XXXXXXXX XXXX XXXX. 

Their refusal to investigate this account and provide the requested information is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies and the furnishing institutions. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into XXXX XXXXXXXX XXXX XXXXXXXX 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold XXXX XXXXXXXX XXXX XXXX  accountable for their failure to investigate and correct the inaccuracies in reporting on my Equifax credit report.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

for the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time s Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report must be Delete in my credit report in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 )
Consumer complaint received 2024-04-22
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-04-22
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. (NJ)

I hope this email finds you well. I am writing to follow up on our previous discussions regarding the correction of the late open accounts. 

Despite our prior communication and your assurances of addressing the issue, I regret to inform you that the matter remains unresolved. As a result, it continues to impact our business operations and erode trust in our partnership. 

I kindly request that you provide me with a comprehensive update on the progress made towards resolving the late open accounts. Additionally, I urge you to take immediate action to expedite the process and ensure that all outstanding accounts are addressed without further delay. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$15000.00}.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

I opened an account with Wells Fargo with an offer to receive a {$200.00} bonus if I set up a direct deposit and receive {$1000.00} or more in direct deposits in the first 90 days. I followed all the necessary steps correctly and below I will paste the proof that I opened the account on XX/XX/XXXX and I set up direct deposit on XX/XX/XXXX! The direct deposit was for almost $ XXXX and I supposed to receive almost {$2700.00} in the first 90 days into my Wells Fargo account.I don't know why the Social Security administration did not set up direct deposit on time or took so long to direct deposit my social security benefits into my Wells Fargo account but this is beyond my control and it is not my fault! Maybe Wells Fargo should have allowed more time for those conditions to be met also since it takes so long to set up a direct deposit by the social security administration. I did everything that was required and I should receive the bonus. Please see below the proof that I did everything correctly and in a timely manner and please apply the {$200.00} bonus into my account! Thank you! Account number XXXX Below is the proof that I set up direct deposit into my Wells Fargo account on XX/XX/XXXX, in the same day I opened the account XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX XXXX XXXX This E-mail notification is to confirm the recent update made to your direct deposit payment information. As you requested, your Social Security payments will be sent to the new account you selected. If you did not initiate this update or have questions about this recent update, please contact us immediately at XXXX ( TTY XXXX ), or visit your local Social Security office. To access your My Social Security account information, please visit www.socialsecurity.gov/myaccount and sign into your account. my Social Security | SSA my Social Security | Open a my Social Security account today and rest easy knowing that you're in control of you... Important Information Please do not reply to this E-mail, as we are unable to respond to messages sent to this address.
Consumer complaint received 2024-04-22
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. (NY)

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention, particularly regarding the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. 
The companies have acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a comprehensive investigation into these accounts and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within XXXX days. Therefore, I anticipate receiving your response within this specified time-frame.
Consumer complaint received 2023-07-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions
Consumer complaint received 2024-07-24
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. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-22
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. (MO)

I have contacted the 3 major credit bureaus many times within the last 3 months bringing this grave misrepresentation to their attention. The following items has been reporting the same account twice on my credit report. This has hindered me twice the negative affect giving a review of my credit worthiness. Please see the attached proof of this mis justice. same XXXX XXXX account with multiple reporting. I'm demanding the immediate and permeant removal of these accounts.
Consumer complaint received 2024-08-12
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. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MO)

I reached out via phone, email, and customer service messenger for my chain of title documents on my loan, as well as my fathers parent + loan. Over the phone the very nice lady told me they would get it to me in XXXX business days, which never happened.
Consumer complaint received 2024-09-07
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. (NV)

XXXX failed to provide any transaction history or verification for the disputed accounts, despite my request. They implied that I benefited from fraudulent transactions without presenting any evidence and refused to provide me access to the information they used to make their decision. Either they withheld key documentation or made their determination without reviewing any proper evidence. I am requesting that XXXX verify every detail of every account with adverse information on my report, as they failed to properly investigate and provide the necessary verification. If they can not provide this, I demand the removal of all adverse information from my credit report. Furthermore, I am asking that they provide me the evidence and justification that they used to not to investigate my claims if the accounts remain. There are multiple errors and with the hostile response. I am receiving to try and just straightened it out. I would like for them to verify everything well under scrutiny. I am still seriously ill and do not need to be dealing with this as it exacerbates my condition.
Consumer complaint received 2024-04-22
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. (NY)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding their handling of my Capital One Venture XXXX XXXX account ending XXXX, which I have held since XX/XX/XXXX. Despite consistently meeting all payment obligations and complying with account terms, Capital One 's actions have caused significant and unjustifiable hardship. 

In XX/XX/XXXX, my card was unexpectedly declined during a transaction at a store. Upon contacting Capital One 's customer service immediately, I was instructed to verify my identity by submitting a front and back copy of my ID, which I promptly provided. Despite receiving confirmation that my documents were received and in order, my card remained restricted for XXXX months until XX/XX/XXXX, unbeknownst to me as I used another card. 

In XX/XX/XXXX, I followed up with customer service, was again asked to resend my ID, and this time I stayed on phone till I received confirmation of its receipt with an agent who assured me the issue would be resolved promptly. However, without further communication, I received a letter about XXXX weeks later on XX/XX/XXXX stating Capital One required additional unspecified information and was closing my account due to its non-receipt. 

This closure is particularly confounding as I maintain XXXX other credit cards with Capital One, ( XXXX XXXX ending XXXX and Quicksilver ending XXXX ) both in good standing, suggesting they possess all necessary information about me. Also I had provided everything they had asked me and still till today they never mentioned what additional information they needed that has caused closing my account./ After the account closure I have contacted Capital one various times but they never provided me any other information or reopened my account. 

The unwarranted restriction and subsequent cancellation of my Venture one Card, despite fulfilling all obligations, including promptly paying an annual fee, have severely disrupted my financial management and deprived me of accumulated rewards points. 


The harm caused by Capital One 's actions includes : Failure to refund the annual fee upon account closure. 
Loss of all accumulated rewards points. 
A XXXXpoint decrease in my credit score due to the elimination of a {$5000.00} credit line associated with the card. 

I firmly believe Capital One 's actions violate fair banking practices and warrant immediate intervention by the Consumer Financial Protection Bureau. I am requesting a thorough investigation into Capital One 's mishandling of my account, reinstatement of my Venture Card with full account privileges, reimbursement for damages incurred, and a transparent account of the reasons for its unjustifiable restriction and closure. 

Enclosed with this complaint are copies of my communications with Capital One, and other related documents Thank you for addressing this urgent matter promptly. I anticipate your response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

I was in XXXX and had money taken out of my bank account are there were transactions that were not mine and when I got out of XXXX, I reported this information to Wells Fargo I provided, and then proof of XXXX and provided them all the information and all the transactions that were not mine and advise them that I did notdo these transactions they denied my claim I did an appeal and was also denied on the pill. They said they did not believe that I did not give permission to someone to do these transactions and therefore it was {$7000.00} or somewhere close.