davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

Discover Ban k Personal Loan w as paid in full on  XXXX   XXXX ,  2017 . The bank has failed to report to the Credit Bureaus that the loan is paid. The Credit Bureaus still show an outstanding balance of {$4000.00}. I have contacted the Discover Bank more than  two  months ago by telephone. They said to give it time to show on Credit Report. I have a confirmation by email from Discover Bank showing balance paid in full on  XXXX   XXXX ,  2017 . I attempted to file an online dispute with  XXXX   XXXX  and it came back as " automated failed attempt. ''
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts? 

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 

You were supposed to interview my neighbors and interview my friends. 

Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
When did you talk to them? 

One more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the Credit Limit, and the Date of Last activity are STILL NOT reporting the same information at all? 

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

I demand deletion of the accounts from my credit report. I've listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted.
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (MI)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, STATE OF MI OFFICE CHI XXXX Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (NC)

I am writing to inform you that there are several accounts on my credit report that should not be there. I have attempted to contact the companies and the consumer reporting agencies to investigate this matter, but I have not been successful. 

I would be grateful if you could review this issue and help me in getting the accounts removed from my credit report. Any assistance you can provide would be much appreciated.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica ()

. I am a U.S. XXXX, married to a XXXX  XXXX and resident in XXXX XXXX for the last 21 years. I receive my Social Security XXXX benefit which is paid into a Direct Express debit Card. My issue is as follows : My card, into which I receive my Social Security payments, expired on XX/XX/XXXX. Since then, I have been trying to obtain a new card without success. The postal service in XXXX XXXX is abysmal, so to date it has not arrived, 7 months later. Therefore, I urgently need the card to be expedited via courier to my residential address. 
I am XXXX, have XXXX XXXX and unable to easily make my way to a phone. in order to call the Direct Express offices, however I have been able on two occasions, on XX/XX/XXXX and on XX/XX/XXXX to make contact with Direct Express in order to try to obtain a new Direct Express card. However, they seem either unwilling or unable to finalise this. I have sent them copies of various documents to verify my ID and I did receive a case number, XXXX, although their reply states : Dear XXXX / XXXX XXXX XXXX XXXX XXXX We have received your ID submission and at this time we are unable to determine the validation of your account. Please step into the Social Security office for further assistance. 

Thank you for being a valued cardholder.
Consumer complaint received 2024-03-06
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of information which do not belong to me and accounts and inquiries were opened without my permission : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-06
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. (SC)

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 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 2017-07-15
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: Experian Information Solutions Inc. (LA)

I 've contacted Experian to delete an account from my credit file because the it 's not my account and the collection company (   XXXX   XXXX   ) {$290.00} refused to provide validation of the debt or delete the debt from Experian because they are n't requiring much for validation. I 've already filed a complaint against   XXXX   XXXX   debt with CFPB and they 've deleted the debt from my  XXXX  and  XXXX  credit file because they did n't provide the validatity. The reason I 'm filing against Experian is that if the company ca n't provide me with proof of the debt with original documents, how are they providing validation to Experian other than responding yes to questions asked. It 's been over 60 days since my request from the collection company. I 've asked the company for specific validation such as original agreement with my signature and the agreement between the collection company and the original creditor and bill with charges and interest. And no cooperation.
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$220.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$68.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, 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 called  XXXX  twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
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The following inquiries should not be listed.
  XXXX   XXXX    XXXX , PA   XXXX    XXXX / XXXX /17   XXXX   XXXX  .  XXXX  , NJ   XXXX   which is also showing twice within 30 days.  XX/XX/XXXX  and  XX/XX/XXXX .
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I called  XXXX  twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
<P/>
The following inquiries should not be listed.
  XXXX   XXXX    XXXX , PA  XXXX   XXXX / XXXX /17   XXXX   XXXX    XXXX  , NJ  XXXX  which is also showing twice within 30 days.  XX/XX/XXXX  and  XX/XX/XXXX .
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX BV XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$6600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-06
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2017-07-15
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: National Credit Systems,Inc. (FL)

I 've contacted National Credit System for 3 months prior to a previous certified letter I 've sent out a month ago pertaining to a fraudulent account on my credit report by the name of National Credit System and   XXXX    have failed to assist me with this situation and have caused a great deal of problems to me and my life. Both companies are failing to respond to my letter and have n't sent me anything to show me that they took the proper steps to verify any documents or signatures pertaining to myself. This is an error and it is fraudulent which breaks many laws in the FCRA. I was never contacted at any time when these accounts was open so I do n't know why they continued to report and verify an account that is n't mine. I received several thereatning calls from the creditor and I do n't think thats professional and I do n't want this company to contact me anymore by phone or email.
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

XXXX and XXXX of 2021 were the worst months of my life. I lost my wallet while out shopping at a grocery store, XXXX XXXX located at XXXX XXXX XXXX XXXX ca XXXX. During my visit I somehow proceeded to leave my whole wallet. Inside the wallet included my physical California drivers license, my social security card, a copy of my birth certificate, my personal medical card, & XXXXXXXX XXXX XXXX XXXX. I was not able to obtain back any of my personal information. Thus has caused me to be a victim of identity fraud, Ive had fraudsters try to open up more bank accounts in my name, unfortunately they were successful when opening a XXXX  XXXX XXXX XXXX  account On the date XXXX XXXX for a limit of {$3000.00}. The reported balance now is a complete total of {$3600.00}. I have absolutely no knowledge of this account and I believe that they arent finished just yet. My whole identity was stolen, this has been a constant burden on myself and my family, not knowing when my name will be used without my knowledge or permission isnt a way to live.
Consumer complaint received 2017-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

XX/XX/XXXX  Re : Borrower :   XXXX   XXXX  , DOB- XX/XX/XXXX , SSN #  XXXX  Property :   XXXX   XXXX   XXXX   XXXX  ,  XXXX , MA   XXXX   Lender : Wells Fargo Loan #  XXXX  To whom it may be concern : I,     XXXX   XXXX   have been fighting for my mother rights with Wells Fargo . My mother   XXXX   XXXX   primary residence at   XXXX   XXXX   XXXX   XXXX  ,  XXXX , MA  XXXX , has been fighting with Wells Fargo regarding her loan. She had a hardship in  XXXX , when she was forced to go into   XXXX   XXXX   XXXX   XXXX  . During the time she was recuperating she spoke to Wells Fargo regarding her loan and they told her she didnt have to get an attorney to get a loan modification done because Wells Fargo will be able to work with her on her loan modification.
Since  XXXX , we have submitted of a total of 11 loan modifications to Wells Fargo and they sent us a letter saying not qualified for loan modification. When I spoke with Wells Fargo about the denial, they told us the reason was an Application Discerptions, never in conversation I had with Wells Fargo, they never stated what type of discerptions the loan modification had. I have spoken representative from Home Preservation Team, Re-Entry team and someone from the executive office of Wells Fargo. My mothers loan is behind 40 payments because of the loan modification process she also wanted to get out of an ARM loan which has an interest rate of 7.8 %.
We have explain to Wells Fargo that we wanted a 30 year fixed loan and so hard to get it through loan modification. In  XX/XX/XXXX , they sent in a Foreclosure Letter stating that they will foreclose on the property on  XX/XX/XXXX , luckily I called the Division of Banks and delay the foreclosure for XX/XX/XXXX . Meanwhile Wells Fargo executive office is working again on our loan modification. In addition, we have sent a loan modification packet on  XX/XX/XXXX  and someone from Wells Fargo re-entry team called me on  XX/XX/XXXX  and said it was denied because they are going by the pervious denial even though the income increase.
My mother doesnt want lose her house. My brother and I was raised in the house and we want to continue to raise our kids there. My mother did a lot of work in the house to sustain the house in good condition. My mom has paid the house for 16 years almost half of the loan term.
Lastly, I have done a HUD counseling and they went over all of our budget and its shows that we are qualified for loan modification which I am enclosing the resolution document from   XXXX   did with us. Also, including the denial letter for Wells Fargo showing no specific of the indication of denial. I have spoken to them several times, which Wells Fargo indicated to me its was an Application Descriptions and explain them if I could fix the problem and they stated I have to send a whole application to be able to be approval to go to the Re Entry team.
Consumer complaint received 2024-03-06
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. (FL)

XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$2200.00} Balance updated XX/XX/XXXX Original balance {$2200.00} Account info Account number XXXX Re : Violation of the XXXX privacy act, violation of education/privacy act. The XXXX  said they would not share my financial transactions with a third party. Experian is a CPA, not a creditbureau Balance {$9600.00} Balance updated XX/XX/XXXX Original balance {$9300.00} Account info Account number XXXX RE : Re : Violation of the XXXX privacy act, violation of education/privacy act. The XXXX said they would not share my financial transactions with a third party. Experian is a CPA, not a creditbureau XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off- Balance - Balance updated - Original balance {$250.00} Account info Account number XXXX Re ; Per FCRA as a federally protected consumer iam opting out of any or all authorization I the Consumer may have given per 15 USC 6802 XXXX XXXX XXXX creditor : XXXX Balance details 0 % paid off Balance {$490.00} Balance updated XX/XX/XXXX Original balance {$490.00} Account info Account number XXXX Date opened Re ; Per FCRA as a federally protected consumer iam opting out of any or all authorization I the Consumer may have given per 15 USC 6802
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 — Account information incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not being reported correctly there is a XXXX balance. We are trying to purchase a home and need all My credit reported correctly. My score needs to reflect the correct information
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called Transunion twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
<P/>
The following inquiries should not be listed.   XXXX   XXXX    XXXX , PA  XXXX   XXXX / XXXX /17   XXXX   XXXX  .  XXXX  , NJ  XXXX  which is also showing twice within 30 days.  XX/XX/XXXX  and  XX/XX/XXXX .
Consumer complaint received 2023-03-10
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: GOLDMAN SACHS BANK USA (IL)

Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( Apple Card/GS Bank USA ) Making the report is NOT INCLUDED on my Consumer report!