davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
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. (IN)

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 3 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

My account received a wire transfer from a client for the payment of goods. XXXX days later the client received said goods in exchange for the funds previously sent. A week later I was notified by email that I had an unauthorized money transfer on my account and due to this my account will be frozen and closed in XXXX  days. Over the next XXXX days myself and my local branch XXXX provided each document requested by the bank to activate the account. We were told all we could do now was wait for letter from the clients bank showing the cancellation request. We contacted loss prevention each day for the next week looking for updates and there were none provided. Almost a week later on a call with loss prevention we were notified there was never a cancellation request in place. That we sat around for a week waiting for something that was not coming nor confirmed and that the previously spoken to loss prevention XXXX had essentially made it up. Just received an email that the account will be frozen for another XXXX weeks due to needing more time for their investigation. Funds will continue to be frozen due to their investigation who has all necessary evidence to release funds. Instead they continue to hold funds and cause emotional and physical stress of not being able to run my business efficiently without these funds.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-11
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)

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 


Account Number : XXXXXXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$820.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1700.00} Account Number : XXXX XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX  Account number XXXX Date Opened XX/XX/XXXX Balance {$770.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$2900.00} Inquieres -- -- -- -- -- XXXX XXXX XXXX XXXX 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 2023-12-11
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)

I have no knowledge of several account on my credit report listed as XXXX. The account numbers are listed as XXXX, XXXX, and XXXX. I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own these accounts.
Consumer complaint received 2024-04-26
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)

Recently I looked at a copy of my credit report and noticed inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

TransUnion : XXXX XXXX XXXX account number XXXX
Consumer complaint received 2023-12-11
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. (GA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (ID)

I disputed with XXXX boneville collections years prior it recently reappeared on my credit report. This was done with out proof of certification of accuracy and with out notice to me as the consumer both are direct violations which provide awards of XXXX per violation. On XX/XX/XXXX i received a email replying from a dispute I submitted by email in early XXXX. This was a third attempt after 2 calls to the company in which they would not remove the previously deleted account. The email stated the account would be deleted and had been flagged as a deletion. They stated I have like the item to remove any credit reporting from Bonneville on this Idaho power, AS SOON AS we transmit to credit bureaus.. NEITHER XXXX NOR BONEVILLE collections provide notices or results when reinserting the account. Boneville has stated it will be removed again however does not give a time of action. This is hurting, y credit worthiness in a time when I am looking for a place to rent and buy a vehicle.
Consumer complaint received 2023-12-11
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)

I have no knowledge of this account listed as XXXXXXXX XXXX XXXX XXXX. I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own this account.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at my report and noticed an update on my report. However, I disagree with your investigation for XX/XX/XXXX and XX/XX/XXXX. My account was never late. Can you please investigate and update my account appropriately. XXXX XXXX
Consumer complaint received 2023-12-11
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. (MN)

The following credit card account currently listed on my Experian and XXXX credit report is lost/stolen : XXXX XXXX XXXXXXXX # : XXXX , the following hard inquiries currently listed on my Experian and XXXX credit report is fraudulent, unauthorized and not my hard inquiries : XXXX, XX/XX/XXXX  and XXXX XXXX XXXX XXXX XXXX XX/XX/
Consumer complaint received 2024-04-26
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports : XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX 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. This has violated my rights under the FCRA.

15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history, charge off status ), between the consumer and the person making the report ; XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- XXXX, TRANSUNION, and XXXX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. XXXX, XXXX and TRANSUNION are not an affiliate of XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of Information ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
According to my XXXX, XXXX, and TRANSUNION report, this debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness as a 1099-C is filed. I kindly request assistance in reviewing the charged off amount associated with the original creditors ( XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and also request that an inquiry be made to the third-party debt collector, XXXX XXXX for actual verification and validation affirming that they have a contract with me bearing my signature. 
Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX written, non-written, verbal, and non-verbal per 15 USC 6802.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I made a payment with XXXX XXXX XXXX to bring my balance to XXXX on XX/XX/2022. My balance is currently at a XXXX balance with no payment due and is current and active as of XX/XX/2022 Ive made numerous disputes with Experian, XXXX and XXXX for them to update my balance to XXXX balance with no past due amount. But they are still responding to the disputes with my old account balance and saying my account has a balance and past due when it is not. XXXX XXXX XXXX  even provided me a letter stating my account is current with a XXXX balance and not past due and they refuse to update. I have a current dispute with Experian.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

Went to get my free weekly report and was told that I cant get it with no explanation as to why. Tried to call Experian to speak to someone about it but the automated machine refused to connect me to a representative. No matter what option I picked. It said that it can only transfer me on the limited circumstances, but did not provide what those circumstances are, so that I can speak with a representative. I have been trying to contact them all day to figure out why I can not access my free report online. As I said, they do not allow me or anyone to speak to any representative as they have set up their automated machine to not connect customers with representatives.
Consumer complaint received 2023-12-11
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. (GA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-10-22
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)

Can I please get clarity on these FCRA consumer laws : 15usc 1637 ( b ) says a collection company MUST let me known30 days ahead of time they plan on reporting & give me time ( 21 days-30days ) to respond.Months ago i proved to you Columbia Debt Recovery didn't do that and showed you it was removed from every other bueror because of this ; so What part of that law gives them the right to still be on my report? And gives you the right to not hold them accountable?

Consumer law 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY & " transactions '' aren't legally obligated to be reported and even if a company " may '' or chooses to report I have the right to REVOKE my consent at any point for any reason ESPECIALLY if what the company reports aren't the same across all bueros/agencies..

I showed copies and highlighted everything single inconsistency and highlighted where our agreement says " may '' gave the standard 30 days to fix things you guys said verified didn't tell me how different reportings of the same account got validated or which is a violation of Law 15usc 1681e! Right??

So how are these companies still on my report if tou are upholding the law??? 

I referenced XXXX XXXX XXXX I referenced FCRA site as well as CFPB for laws even confirmed with chat GPT. You have lawsuits showing you fail to do your job and help us fight for ourselves but you choose to still do wrong. If I have to open a class action lawsuit I will. I will sue for deformation for letting these companies continually positive or negitvley report incorrect information and you give them months to change what should had been changed in days or never wrong! That's a XXXXXXXX XXXX pay out per violation if I really wanted to fight but I just want what's legally due to me. 

If I'm incorrect about these laws PROOF IT using the law and explaing word for word what they mean by the words they say... it's your DUTY to do so.
Consumer complaint received 2018-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I got my mortgage with NationStar now known as Mr.Cooper in XX/XX/XXXX. I initially requested to have all my taxes escrowed so I can pay them on a monthly basis. Everything was going fine until I received a letter from an attorney in XX/XX/XXXX stating that a lien could be placed on the mortgage if I didnt pay my MUD taxes. I then called Mr. Cooper and asked for the reason my MUD taxes werent paid, they advised that a system glitch caused the MUD taxes to be removed. I then requested for them to add it back on. In XX/XX/XXXX, I was informed that all my taxes were removed from escrow due to system glitch. I never requested for them to make any of these changes to my mortgage. This opened a can of worms with my mortgage, I am now late on payments and Im being penalized due to Mr. Cooper incompetence. The tax companies are now making me liable for all the changes made. Mr. Cooper is no longer assisting with my concerns, their escalated agents are not answering my calls or emails. I need help ASAP before I end up losing my home - XXXX XXXX I live in XXXX Texas. Phone number is XXXX
Consumer complaint received 2024-10-22
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. (OK)

I have repeatedly tried to resolve the issue of fraudulent inquiries on my consumer report, which are not linked to me and for which I am not responsible. Their presence has caused significant mental and financial distress. As a victim of identity theft, I may have to consider legal action if this matter isnt resolved. These inaccuracies have hindered my ability to purchase my dream home and provide for my family, severely impacting my financial well-being. For your reference, Ive attached a copy of my letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.
Consumer complaint received 2024-10-22
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)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Experian Information Solutions Inc. (LA)

I am an authorized user for these accounts and I am asking to have accounts removed from credit reports. 

XXXX XXXX AUTHORIZED USER XXXX XXXX XXXX XXXX AUTHORIZED USER XXXXXXXX XXXX AUTHORIZED USER