davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I've been a victim of identity theft. I've sent an FTC report and police report. I have not been provided with any proof of an investigation. All the fraudulent accounts on my credit report, reporting a fraudulent address. 
The Credit reporting agencies received a copy of my police and ftc report about 60 days ago, and no real investigation has been conducted by their end. i clearly reported that the address reporting on my credit report is fraudulent, that was used to get cards under my name without my knowledge. I need your help to make them to serve their purpose.
Consumer complaint received 2024-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My car was deemed a XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX the insurance company sent the payoff to Bank of America and the gap insurance and maintenance payments followed. I requested that all payments be applied as regular payments to cover principal and interest and all extra be applied to the principal to ensure I did not incur late fees while waiting for the respective payments to come into the bank. Bank of America refused to apply the payments as requested and insist that I owe 0ver {$600.00} in interest. When I reviewed the contract with both a customer service representative and a manager it was determined the contract does not state the payments from an insurance company have to be applied to principal only and the payments should have been applied as I requested. BOA is still denying this request and reporting negative payment history to the credit bureaus even though I have repeatedly requested this error be fixed.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I recently submitted a complaint with the CFPB about Wells Fargo. They said they were investigating the issue. Over the last few months. I have had XXXX of dollars disappear from my account and money taken out for something and it not showing up then it taken out again and mysteriously showing up. On yesterday it was on the news that several other people had been having this happen to them and even deposits not showing up at all. 

Wells Fargo needs to fix this and fix it fast I am highly disappointed and most likely will be switching banks. Im sure there have been several other complaints I regards to this matter.
Consumer complaint received 2024-06-24
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-03-13
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX XXXX XXXX XXXX XXXX card On XXXX I walked into the XXXX store and paid off my credit card in full with Cash. 

XXXX I received a statement with payment due + interest XXXX I spoke to an agent and submitted payment receipts through my XXXX account messenger. Agent said it would take 30days to investigate. All the while Im still receiving statements with late fees and my credit score is declining. 

XXXX called XXXX and spoke to an agent. Was told to call back on XX/XX/23. Issue should be resolved. 

XXXX Called and agent said that investigation is taking awhile and wait for an email. They will take care of any/all late fees. Be patient XXXX  Email received by TransUnion regarding credit score dropped by XXXX due to this bill XXXX Emailed XXXX XXXX  regarding this. Agent replied back they need an additional 30 days to investigate. 

The bill was paid in full on XX/XX/. I have payment receipts proving I did so. I forwarded all necessary documents. But Im still being penalized for doing the right thing. I have worked hard to build my credit score.If someone could please help me get this issue resolved asap. Id really appreciate it. Thank you
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (OH)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-24
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)

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.

has violated my rights. Or a 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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all XXXX bureaus resulting in removal from my credit file. on XXXX it appeared again I called the company, and the information they gave me was inaccurate. I told them my correct address and they said they were going to update the inaccurate information with the correct information I gave them now they are using the information I gave them to validate this account. I contacted capital one 's fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX ID # XXXX XXXX a XXXX in fraud and dispute. it has been over 90 days and full investigations by all 3 bureaus. and XXXX XXXX has violated my rights to fair and accurate reporting. I am attaching proof.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all XXXX bureaus resulting in removal from my credit file. on XXXX it appeared again I called the company, and the information they gave me was inaccurate. I told them my correct address and they said they were going to update the inaccurate information with the correct information I gave them now they are using the information I gave them to validate this account. I contacted capital one 's fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX ID # XXXX  XXXX a XXXX in fraud and dispute. it has been over 90 days and full investigations by all 3 bureaus. and XXXX XXXX has violated my rights to fair and accurate reporting. I am attaching proof.
Consumer complaint received 2024-05-29
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've never let this account 's payments become overdue, so I'm unsure why there are late payment marks. According to 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

These hard inquiries were on my credit report that I DID NOT apply for. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. After speaking with Experian they told me to file a report with you.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX  Account Number : XXXX  Delete this account.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTXXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current.
Consumer complaint received 2024-06-24
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)

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. 

However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I mailed my disputes to transunion on XX/XX/2023. I received a computer generated response back from Transunion on XX/XX/2023. I contacted transunion by chat support and they gave me a form to fill out with my social and identifying information. After over an hour of chatting the refused to accept my mailed dispute and demanded that I dispute over the phone or by online portal. I told them I did not want to dispute online because it waives their liability. They are refusing to investigate and it is violating my rights.
Consumer complaint received 2024-06-24
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)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XX/XX/year> XXXX  XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DE)

After taking a look over my consumer report I've noticed several inquiries that doesn't belong to me. I have no knowledge of these lenders nor do we have any mutual relations. I strongly believe that the inquiries Experian is reporting are inaccurate in which they don't belong. anything reporting to my consumer report must have my consent. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Subject : Unable to Access Dispute Results Online - Request for Official Response Complaint : I am writing to formally lodge a complaint against the credit bureau regarding issues accessing my dispute results online. 

Issue Description : I have previously filed complaints through the Consumer Financial Protection Bureau ( CFPB ) regarding my inability to view real-time credit scores, sometimes file disputes on the credit bureau website , and dispute results on the official websites of the credit bureau . Despite these complaints, the issue remains unresolved. 

I am getting emails saying your dispute results are available " see online '' but " I can't see them online. '' Request for Resolution : I request that the credit bureau provide the results of my disputes through one of the following methods : Replying to my CFPB complaint with the dispute results. 
Officially emailing me the dispute results at XXXX. 
On their website after fixing the errors. 

Verification of Identity : I am attaching my documents to verify my identity. These documents have been provided multiple times, and I request that they be added to my file for reference. 

Previous Attempts : I have made prior attempts to resolve this issue directly with the credit bureaus. Yet, I have not received any resolution or meaningful response to my inability to view dispute results and real-time credit scores online. 

Given the critical nature of credit reporting and its impact on my financial well-being, I urge the credit bureau to take immediate action to resolve this issue. I look forward to a prompt response and a satisfactory resolution. 

Attachments : Personal identification documents ( as previously submitted ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
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. (FL)

All three credit bureaus : XXXX, Experian, and XXXX have reported inquiries I dont recognize. Pages of pages of inquiries that are not mine, must be removed and my credit score must improve as well due to the incorrect information all over my reports. 
For instance, I did not go bankrupt, and I demand that to be removed as well.
Consumer complaint received 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.