davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
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. (TX)

I hope this letter reaches you well. I am writing to express my deep concern and frustration regarding the persistent issues I have encountered in attempting to correct late open accounts associated with my financial profile. 

Over the past several months, I have made numerous attempts to address and rectify the late open accounts on my credit report. Despite my diligent efforts, the issue persists, impacting my credit score and causing considerable distress. 

I initially became aware of the late open accounts, and since then, I have taken the following steps to resolve the matter : Despite my persistent efforts, the late open accounts have not been corrected, and the associated negative impact on my credit report continues to affect my financial standing. 

I understand that errors can occur, and I appreciate your commitment to resolving customer concerns. However, the prolonged nature of this issue has prompted me to escalate the matter formally. I kindly request a thorough investigation into the root cause of the problem and the implementation of corrective measures to rectify the late open accounts promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please let me know at your earliest convenience. I believe in fair and transparent financial practices, and I trust that Credit Bureaus will take the necessary steps to address and resolve this situation in a timely manner. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-31
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)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the problem on my report.
Consumer complaint received 2018-12-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2018 I had sent XXXX XXXX a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX. 

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

On XX/XX/2018 after the 30 days and after my second letter I received a Debt Verification Response. 

On XX/XX/2018 I sent a letter thanking them for the DEBT VERIFICATION and explained to them that not only that I never asked for a DEBT VERIFICATION, that This request was unanswered in the time frame allotted by federal law and was indeed a FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. As you are well aware, federal law requires you to respond within 30 days. 

My second letter outlined the fact that my request did indeed go unanswered as I have documented proof of delivery and signature of the Certified mail I had sent.The DEBT VERIFICATION sent does not indemnify XXXX XXXX   of the responsibility and legal requirement to supply EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT.
Consumer complaint received 2024-03-31
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. ()

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-09-25
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)

You keep on ignoring my report submitted to your agency stating that I AM A VICTIM OF IDENTITY THEFT AND I DONT HAVE KNOWLEDGE OF THESE UNAUTHORIZED ACCOUNTS!!! This is not only a blatant violation of my rights but also a severe breach of your duties as a credit reporting agency. 
I have repeatedly disputed these fraudulent accounts, provided all necessary documentation to support my claims, and even contacted the original creditors to confirm the fraud. Your inability or unwillingness to address this matter has resulted in severe financial and emotional distress for me. 
I remind you that it is your legal obligation, under the Fair Credit Reporting Act ( FCRA ), to ensure that the information you report is accurate, up-to-date, and verifiable. Despite this, your agency has chosen to disregard my pleas for assistance and continue to tarnish my credit history with these fraudulent entries. This not only affects my ability to secure credit but also damages my reputation and overall financial well-being. 
I demand immediate and complete removal of the following fraudulent accounts from my credit report : XXXX  XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXXXXXX .... 
I expect this matter to be resolved promptly, within the legally mandated time frame of 30 days, as stipulated by the FCRA. Failure to comply with this demand will leave me with no other option but to take legal action against your agency for willful non-compliance and negligence.
Consumer complaint received 2023-10-31
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these Items ( A ). It is not permissible to fail to validate these reporting Items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account that need to be investigated and corrected for erroneous reporting in my file islisted on my credit report :
Consumer complaint received 2023-06-02
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: Grain Technology, Inc. (NY)

XX/XX/2022 In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (VA)

the over limit balance of my account almost exceeds the credit card limit, due to the company adding a {$40.00} over limit fee EACH month! No one will ever pay the balance off or decrease within a timely manner. I requested the over limit fees to be reimbursed and was told NO. This is unacceptable business practices as the over limit fee shouldn't clearly exceed someones monthly minimum payment, therefore I am request for your organization to take a look into this.
Consumer complaint received 2023-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX 4 hard inquiries were made without my authorization by XXXX of XXXX in XXXX, TX. When speaking with the business, sales manager XXXX told me the only thing he could do is apologize. I tried calling each of those companies listed above and there is no option to speak to a representative to dispute these hard inquiries and the option to do it over the phone through an automated system does not work. I have reported the business with XXXX. I want these hard inquiries removed from all of my credit reports since they were made without my authorization. I plan on taking legal action against the business.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I attempted to transfer my funds out of my cheesing and savings account. Chase was able to transfer the checking account but we're unable to transfer my savings account funds after multiple attempts and many phone calls. They forced me to pay to access my own money through a cashiers check disbursement and did not give me an option for a free way to access my money.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

I recently recognized several unauthorized charges on XX/XX/XXXX and XX/XX/XXXX on my credit card statement with Wells Fargo Banking. The fraudulent charges were the amounts of {$250.00}, {$250.00}, {$260.00}, {$270.00}, {$270.00}, {$260.00}, {$190.00}, {$190.00}, {$250.00}, {$210.00}, and {$71.00} shown on my transactions from " XXXX XXXX XXXX XXXX XXXXXXXX '' and {$20.00} from " XXXXXXXX XXXX XXXX XXXXXXXX '' and {$2.00}, {$7.00}, {$6.00}, {$0.00} from " FOREIGN CURRENCY CONVERSION FEE ''. I also received a text push notification from Wells Fargo on XX/XX/XXXX notifying me if I recognize {$140.00} and {$290.00} from " XXXX XXXX '' which I replied " N '' for no. I recently called Wells Fargo immediately on XX/XX/XXXX to notify about these charges and spoke with a representative stating that these charges were not authorized by me. The representative then transferred my call to their credit card fraud claims department on XX/XX/XXXX and I talked over the phone with another representative about the charges mentioned above as fraud. The representative then closed my credit card account, issued a new credit card, and initiated a claim on these charges that I reported, and I waited several days for a response that I have received by mail on XX/XX/XXXX stating that the claim was denied and that I have " gave authority to the person or business that made the transactions in question '' which is clearly false. I never gave anyone permission and personal information from my credit card and now I have to make this report because Wells Fargo isn't helping resolve this financial crime. I recently called again on XX/XX/XXXX and spoke with another representative from Wells Fargo Credit Card Fraud Claims asking about the status of my claim and the person mentioned that it was denied. I explained to the person why this was wrong, that they made a mistake, and that these charges are still unauthorized, and they reopened my claim once again. From XX/XX/XXXX to today XX/XX/XXXX, I am still waiting for a response again from Wells Fargo about these fraudulent charges from XX/XX/XXXX and XX/XX/XXXX XXXX. I am a victim of identity theft by these unauthorized charges, and I am also requesting that these charges be credited back to my account.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my profound frustration with the way my multiple attempts to rectify fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal distress. 

These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. 

Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. 

I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. 

I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. 

In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. 

I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
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)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2024-03-31
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. (MI)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, 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. These accounts 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 are not complete and not accurate. 

XXXX XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX  this account is not accurate and is result of fraud. [ XXXX XXXX XXXX XXXX XXXX  this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. XXXX XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. 

I've sent a letter on XX/XX/2024, asking them to reinvestigate the above listed accounts. I've receieved the investigation results but noticed nothing was modified or updated. 
I've requested a description of the reinvestigation and I haven't received it which is a violation of 15 USC 1681i7. The credit bureau also violated 15 USC 1681 ( 5 ). Are you able to look into this matter?
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Experian is violating my consumer rights. 
They are fraudulently letting XXXX XXXX XXXX XXXX report a fraudulent account on my credit profile. 
I have never heard of this company, nor should they have any information of mines. I was suspicious so I looked this company up on my Secretary of State website and seen that they arent even licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. Im asking you to enforce the laws on Experian for failure to investigate as Im a federally protected consumer. I will also be reporting both Experian and XXXX XXXX XXXX to the IRS filing out form 3949 -A information referral for unreported income since Experian gets paid from this company and this company isnt licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX I attached proof that XXXX XXXX XXXX isnt allowed to do business in my state. If the account isnt removed in 30 days, Ill also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lenders and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I havent been able to sleep at night due to the finally and emotional harm these 2 companies has caused. I know that XXXX XXXX XXXX pays Experian to report inaccurate information and Experian refused to give me a fair investigation for their financial gain.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX XXXX ( # XXXX ) ( citibank # XXXX ) and once again money is missing from my available balance and it varies per day. 

Las night at closing of day my available balance was : {$510.00} At morning the available balance became {$410.00}. 

The difference is of : {$9.00} ( XXXX ) or XXXX This is evident that is an emergency or that it needs revision or correction or just theft. 

The 'pending charges ' are registering into the account : 1 ) after the available balance has been determined at end of day is being deducted again, generating a different available balance after the end of day, when no payment or charges have been generated or pending to the account ; 2 ) During the day I am given differing available balances to the account ; 3 ) Some purchases are added to the available balance and others are added at varying times throughout the day changing the available balances ; The charges do not come out immediately front the available balance ; Obviously there are miscalculations and there should only be ONE available balance after purchases without any incident, especially if there were not any purchases ; The available balance should not change because you posted the payments.

The payments should be removed from the available balance as they are charge to the account.

Therefore this is miscalculation or theft.

I am currently missing {$100.00} from the account. 

The available balance should have been {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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. (TX)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.