davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete any items listed on an id theft report. Please find the required documents to assist in the deleting of the erroneous information which is being posted to my report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXXXX/XX/2022, XXXX  XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XX/XX/2022, XXXX  XXXX XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XX/XX/2022, and XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (TX)

Now I did submit a complaint last year in regards to this self lender account. The company stated in its letter that the account line up with the transactions address, may you provide proof of that address. Also I have two accounts reporting different balances which against the law must be removed due to inaccuracies. This collection thats reporting on my credit report falsely has given me distress due to me being declined personal needs for my children. 

The date opened is XX/XX/2020 the balance is {$600.00} then there is the third party I believe XXXX XXXX that is reporting a paid balance of {$720.00}. The accounts are not correct which in the letter the creditor has stated I disputed the charge and which I was also granted credit due to me not using any credit from self. This will be the last action I take before I take further action.
Consumer complaint received 2024-03-26
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. (NV)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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. (VA)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-03-26
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: Experian Information Solutions Inc. (CA)

I recently obtained a copy of my credit report from your bureau and noticed inaccuracies in the reporting of late payments on my account. Despite multiple requests to remove the late payments and update the reporting accurately, no action has been taken. Other bureaus have completed their investigation and updated the reporting accordingly. These late payments are inaccurately reported, and I believe there has been an error in the reporting. I want to emphasize that I have consistently maintained a positive payment history with the mentioned creditors. There were no late payments during the disputed period, and the current report does not accurately reflect my creditworthiness.I am formally requesting an investigation into the inaccuracies in my credit report. Please update the accounts instantly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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. (GA)

in accordance with the fair credit reporting act bank : XXXX XXXX XXXX # XXXX, has violated my rigths. 

in accordance with the fair credit reporting act bank : XXXX XXXX  XXXX # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX  # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. states i have the rigth 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 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts and it is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Balance : {$3200.00}
Consumer complaint received 2023-12-20
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

I have a XXXXXXXX XXXX XXXX credit card through wells Fargo. My name is XXXX XXXX XX/XX/, XXXX number XXXX XXXX XXXX XXXX. It was brought to my attention that a checking account which does not belong to me has been being charged. Wells fargo refuses to chargeback that card & allow me to pay back the bank myself. i did not authroize those card payments nor did the person whos account it is. Wells fargo basically told me i have to take it up with my bank but i was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXX credit card. They have not been very helpful and i am open & willing to pay the bank back whatever was charged to this persons account. It has been on going for two months now & i have yet to have a resolution. I tried to be patient but it has been months & they only contact me if i reach out first.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/XXXX I purchased a company vehicle because I had established business credit to obtain a business loan. From XXXX XXXX Ive had a hard time paying the loan because the company has been impacted by the Covid 19. After checking my personal credit report Ally is reporting on my personal credit report. Ive signed up three times for an extension and paid the extension and ally never honors it. They are still asking for the amount that was last due. 
Recently, I went into an agreement on XX/XX/XXXX. The first payment was due XX/XX/XXXX. I paid the first payment XX/XX/XXXX online. Ally tried to take another payment from an account that I didnt authorize that. My extension payment didnt get noticed. In XX/XX/XXXX I tried to make a payment and the system is requesting {$1000.00} instead of the required {$380.00} that I agreed to. I called on XX/XX/XXXX and the representative notated the account and saw where I made the agreement and that department was closed. Today XX/XX/XXXX I spoke to 5 people and no one assisted our company. This is unacceptable and predatory.
Consumer complaint received 2024-03-26
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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
Consumer complaint received 2023-12-20
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish XXXX  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 2024-03-26
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: Experian Information Solutions Inc. (CA)

The bankruptcy information currently displayed on my credit report is not only incorrect but highly misleading. The case purportedly indicated as valid and accurate is unequivocally incorrect. There has never been a case brought before a judge, and consequently, there is absolutely NO JUDGMENT associated with it. The absence of a judgment signifies the absence of a casea fundamental legal principle seemingly overlooked in your reporting. 
It perplexes me how a case that was never presented in court is now being reported as valid on my credit file. I insist that this erroneous account be immediately removed from my credit report. Failure to address this matter urgently will leave me with no alternative but to pursue legal action. Please be informed that I have already sought advice from my attorney, and if this issue persists beyond 30 days from the date of this letter, federal action will be initiated against the responsible party. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-12-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

The original creditor XXXX XXXXXXXX XXXX sold a debt to National Credit Adjusters for {$470.00}. This fraudulent debt has caused damage to my reputation and ability to obtain credit. I've asked for a verification of this debt such as an original contract showing that I'm legally obligated to pay this debt and I have not received anything. The credit bureaus continue to report this debt without proof that this debt is mine.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (IN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (MI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Received 4 fraudulent transactions on my checking account from XXXX XXXX XXXX and I filed a dispute with the Huntington Bank. They initially provided provisional funds while the dispute was being investigated but a month later they resolved the dispute but withdrew the same 4 transactions from my account. upon calling them repeatedly, they mentioned that the researcher on their side determined that I authorized the 4 transactions using a SMS sent to my phone number. I never authorized these transactions and I never use XXXX. I think the bank should take these disputes seriously and credit the customer ( me ). Now I have negative balance and also have to deal with overdraft fees. Why are banks so irresponsible?
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (NC)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX  XXXX Balance Owed : {$XXXX0} XXXX XXXX XXXX Balance Owed : {$XXXXXXXX XXXXXXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed XXXX {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX
Consumer complaint received 2024-03-26
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-20
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. (TX)

I recently looked into my credit report, which made me very XXXX. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % accurate. Copies of every letter sent are attached below.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I'd like to express my concern regarding the slow progress of the investigation into my dispute, despite my previous escalation. I was advised to wait for 30 days for the investigation, but there has been no progress thus far. I am disputing and requesting the removal and update of an inaccurate late payment on my credit report, which is tarnishing my creditworthiness.I want to emphasize that this late payment is inaccurate and does not represent my credit history correctly. I have consistently maintained a positive payment history with the mentioned creditor, and there were no late payments during the disputed period. The presence of this inaccurate late payment on my credit report is negatively affecting my creditworthiness and financial standing. I am dedicated to maintaining a favorable credit history, and this reporting error is causing unwarranted damage to my credit reputation. Here is the account I want to be updated : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OR)

I have asked Chase XXXX over and over again why a refund to my XXXX card on XX/XX/XXXX hasn't occurred. They tell me it takes XXXX business days. Why? This was electronically refunded. Where does it go? I have asked XXXX representatives and they just repeat over and over again " that's the process '' with no ability to articulate what exactly this process is. My balance is over XXXX and I'm waiting for this money while Chase holds it tax free. What's going on here? Why can't they tell me why?
Consumer complaint received 2023-12-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (GA)

i called a salesman XXXX about a truck to see if i can afford XXXX over the phone i was told to come to the dealers in XXXX ga and i went upon my arrival the truck was already picked out for me and my husband we didnt pock our own truck out i was told my payments would be XXXX i told them i couldnt afford it then a sales XXXX name XXXX XXXX to the table with another offer he offered me the truck at XXXX a month with a 7 year contract for repairs of the vehicle have any but when j went into the office the truck payment went from XXXX back to XXXX bc they said we signed for insurance we was rold by XXXX financial to sign up for it but he didnt say that will change the payment. when i got home and uploaded I SEEN WHERE THEY LIED ABOUT MY INCONE TO APPROVE XXXX FOR A TRUCK WE COULDNT AFFORD FROM THE BEGINNING and i think they should help us get in a car we can afford global lending reach out to them which is the lender on the deal and XXXX XXXX refused to help at all