davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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. (CA)

I am writing to file a complaint against Experian, XXXX XXXX XXXX the major credit reporting agencies in the United States. I have recently gone through a dispute process with Experian regarding inaccurate information on my credit report. Despite providing them with evidence that clearly showed their violation of 15 USC 1681i, Experian, XXXX XXXX XXXX failed to conduct a proper investigation and continued to report inaccurate information on my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information they report about consumers is accurate and up-to-date. When a consumer files a dispute regarding inaccurate information on their credit report, it is the duty of the credit reporting agency to investigate the dispute and ensure that the information is corrected or removed. 
In my case, I provided Experian, XXXX XXXX XXXX with proof that the information they were reporting about me was inaccurate and in violation of 15 USC 1681i. However, despite this, they failed to conduct a proper investigation and continued to report the inaccurate information on my credit report. This has caused me significant harm and has made it difficult for me to obtain credit or loans. 
I am therefore requesting that the CFPB investigate this matter and take appropriate action against Experian, XXXX XXXX XXXX for their failure to comply with the FCRA and 15 USC 1681i. I believe that Experian, XXXX XXXX XXXX actions have violated my rights as a consumer and have caused me significant harm. I am also requesting that Experian, XXXX XXXX XXXX delete the inaccurate accounts on my credit report and take steps to ensure that this does not happen to other consumers in the future. I have evidence once again provided below with the violations and inaccurate reporting that Experian, XXXX XXXX XXXX still chooses to report and a complaint filed with the XXXX against them. Accounts as follows XXXX XXXX XXXX Acct # XXXX, XXXX Bank Acct # XXXX, XXXX XXXX Bank Acct XXXX XXXX & XXXX XXXX XXXX  Acct # XXXX. These accounts ar earill repeoting In violation and not marked as disputes nor have some of the accounts been updated with the present date when experian said the accounts have been verified and updated
Consumer complaint received 2019-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I opened a savings account at Wells Fargo to deposit money. I was told I needed a checking account, a second savings account, and a credit card in addition. I had no clue that the savings account had a minimum deposit of {$25000.00} to be maintained. Two years ago I withdrew most of the money from the account. I haven't looked at my balance over the years but had no clue Wells Fargo has been withdrawing a monthly fee to the point that the account is now empty.
Consumer complaint received 2023-02-25
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)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-02-21
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 am writing to you to request the removal of incorrect addresses from my credit report. Upon reviewing my credit report, I have noticed that there are addresses listed which are not associated with me or my current residence. These inaccuracies are potentially affecting my creditworthiness and financial standing. 


My only addresses that should be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX I confirm that the addresses mentioned above are the only valid and accurate addresses associated with my current residency. Any other addresses listed on my credit report are erroneous and should be promptly removed to ensure the accuracy and integrity of my credit profile. 

I understand the importance of maintaining accurate credit information and request your prompt attention to this matter. Please investigate and rectify these inaccuracies as soon as possible. If you require any additional information or documentation from me to facilitate this process, please do not hesitate to contact me at the provided contact information. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the incorrect addresses from my credit report.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

FCRA 611 ( 15 U.S.C. 1681I ) Account has been disputed with Credit Reporting Agencies multiple times- still appearing on my accounts. Attached is a dismissal from XXXX XXXXXXXX XXXX verifying this information was incorrect & ordered by the court. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-07-17
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. (TX)

I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX, Equifax, and 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
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NJ)

Not enough information to very debt : In XXXX, XXXX and XXXX of 2019 I requested that IC SYSTEMS INC verify a debt according to the FCRA section 609 ( a ) ( 1 ) ( A ) -through the physical verification of an original signed consumer contract for an alleged debt of $ XXXX.So far they have only responded with verified as accurate but have failed to produce the documents required under the FCRA. By continuing to do so they have caused severe damage to my credit, and my next course of action is to take legal matters with the courts which I am entitled to under the FCRA and according to the FDCPA.
Consumer complaint received 2024-02-21
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. (NJ)

The XXXX account is a business account that should not be reporting on my personal report and furthur more the debt was written off and should be removed by the credit bureaus from my personal credit report immediately. Account opened : XX/XX/year> Balance : {$28000.00} .... 
Account number :
Consumer complaint received 2023-02-25
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. (LA)

After many tries to deal with this situation directly with the companies and credit bureaus to no avail, Im submitting this complaint in accordance with the Fair Credit Reporting Act These accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX ending in XXXX Account name : XXXX  XXXX # XXXX ending in XXXX Account name : XXXX XXXX  # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX *The above numbers may differ from actual records 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 States a consumer reporting agency can not furnish an account with my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, 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 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.
1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account. 


6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2019-12-02
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: ONEMAIN FINANCE CORPORATION (NY)

I am writing this letter to inform you about incorrect inquiries listed on my XXXX, XXXX, and XXXX credit reports. I have no knowledge of ever doing business with this creditor. Therefore, I would like for the following inquiries to be removed from my credit reports. The dates are, XXXX/2018 and XXXX/2018.

ONEMAIN: XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2023-02-25
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX nc XXXX Investigation Request Letter To Whom it May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I spoke with my lawyer he said you have 30 days to complete this investigation. And remove these accounts that you knowingly know that are inaccurate under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Please investigate the following accounts and remove them Accounts Account Name : XXXX XXXX Account Number : XXXX Account Name : CHILD SUPPORT ENFORCEM Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Please remove and send me a copy of my updated credit report and all information that was used to validate each alleged debt I need to know the full steps that was used and all information proof of what was used to conduct this investigation
Consumer complaint received 2023-07-24
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. (VA)

I am trying to purchase a home and I noticed fraudulent activity on my credit report. 


Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (FL)

I was taken to court by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) for owing money on past due student loans. I have reached out to their legal representatives " XXXX, XXXX XXXX XXXX, XXXX. '' many times over several months to obtain proof of ownership of the loans. The law group has told me many times they have sent XXXX these request but I still have not received documentation necessary to prove they have ownership of the loans they are suing me for. 

PS - XXXX also does not list their contact information publicly and XXXX, XXXX XXXX XXXX, XXXX. will not provide it to me.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX, I made 2 payments by an automated phone system to XXXX credit card provided to me by XXXX XXXX. The first payment I made was for {$65.00}, after making the {$65.00} payment, I decided that I did not want to have to owe on this credit card any longer and called back within 15 minutes to make an additional and final payment of {$230.00}. When I called XXXX automated system the second time to make the {$230.00}, the system said my payment was not authorized, it did not provide a confirmation number and the phone hung up. I then decided I would just inquire later why my payment did not go through because I had gotten too busy and no longer had time to handle the matter. Later that day on XX/XX/XXXX, I checked my bank account transactions and noticed the {$230.00} had been deducted from my account. I immediately called XXXX to ask about my payment and they said they never received it. I called my bank and they said the payment cleared on their end and that it could not be disputed since I intended for the payment to take place. My bank advised me to contact XXXXXXXX XXXX to have them help me resolve the issue. I called XXXX again and they then informed me that their system will not allow me to make 2 payments on the automated system in 1 day and that is why they don't understand what happened and they do not see the payment applied. I provided XXXX with a record of my bank transactions showing that the {$230.00} was taken from my account and shows XXXX as the merchant it was paid to. By me making the final payment of {$230.00}, the card would be paid off and I can close my account. I find this odd that when I try to pay off and close my account that they claim not to have received the payment. I had the transaction on my statement. I spoke with XXXX a final time after sending them a screenshot of my bank record which shows the transaction of {$230.00} and they said they would issue me a refund by mail in the form of a check but it could take 2 weeks for me to receive it. I do not understand why I have to wait 2 weeks for a papercheck and I no longer trust XXXX XXXX or their systems.
Consumer complaint received 2023-07-24
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. (FL)

This credit bureau continues to report the following inquiries which is a result of identity theft and is not mine. I have not applied for them. 
Furthermore they also failed to respond and or provide me with documentation and proof that this is in fact mine. Which is impossible for them to provide but yet they ate still reporting it and it is highly damaging my report. 

The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These 5 inquiries are not mine and was somebody that keeps messing with my credit. ( Also XXXX XXXX is a credit card that they did close the card also due to fraud ) but the inquiry is still there.