davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COMMERCE BANK (KS)

The bank processed all the payments I made on one day twice the day of XXXX, take hundreds of dollars extra and leaving my with a negative balance on XXXX. Went to the cafe to purchase my lunch and had my card declined leaving me to return everything and hungry. I called and found it was their mistake, but little care for the problems i faced due to their error and had no controller or action i could take. The best they could do is fix it by the end of the day and return any fees, no offer to help buy my lunch
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2023-01-14
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. (FL)

To Whom it May Concern, I have an ongoing issue with information reflected and reported on my consumer credit reports as transmitted and stored with Equifax and XXXX. The account in question is an account listed with Timepayment, an account which was paid satisfactorily. I have disputed this item, which is reporting data not in accord with accuracy. Under the Fair Debt Collection Practices Act, I have requested full data disclosure, including manner of documents used to validate what is plainly a flawed account, listing inaccurate history in multiple instances. 

Using the law as stated, i have tried to get XXXX and Equifax to dispute the data and they mark it as meeting The Fair Credit Reporting Act, when it has not. Documents have never been provided and account keeps reflecting data which is inaccurate. 

Because the dispute process is costly, and also because I do not trust the fair and impartiality of these credit reporting agencies, I am asking for this agency to intervene on my behalf and mediate this complaint. 

I am asking that the accounts be verified from their source, because the inaccuracies are affecting my financial prospects adversely with the inaccurate information.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (OH)

I found that Transition and XXXX had decreased my score by XXXX points because a Shellpoint Mortgage had reported my Mortgage as a NEW mortgage when in reality they service my account for Newrez who purchased my account from XXXX, so it was a transfer not a new loan. Shellpoint nor Newrez pulled a bureau on me so why would a XXXX mortgage company issue a mortgage loan without checking my credit? Don't make any sense
Consumer complaint received 2016-09-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (IL)

CFPB : I am writing to dispute erroneous credit reporting of my student loan by Wells Fargo Bank in my XXXX, XXXX, and XXXX credit file. Wells Fargo is reporting that my student loan, which I have never been delinquent on, is in Chapter XXXX Bankruptcy " Wage Earner ''. This item Chapter XXXX Bankruptcy is inaccurate because I never filed Chapter XXXX Bankruptcy. I have requested that the information reported to the credit bureau be corrected on numerous occasions. Wells Fargo has responded that it was in fact an error, and that it would be resolved ( attached is a letter from Wells Fargo ). However, they only removed the erroneous information for a short period of time, and then it was re-reported erroneously months later. I am requesting that the item be corrected immediately and for GOOD. I am extremely frustrated and exhausted of having to deal with this situation over and over again. This reporting error has caused my borrowing cost to increase and has lead to instances where I have been denied credit. I am in the middle of a refinance on my home loan, and this reporting error is leading to substantial financial loss. This is how I found out that this loan is negatively reporting on my credit bureau. The lender advised that my credit report, specifically this loan, was reporting in Chapter XXXX bankruptcy. I need this corrected AS SOON AS POSSIBLE as I am expected to close on my mortgage XX/XX/XXXX. Wells Fargo has repeatedly violated the FCRA ( Fair Credit Reporting Act ), and as aforementioned, is causing me financial loss. I have filed numerous disputes in regards to this error including a letter mailed to the address below on XXXX/XXXX/2013 and I am still dealing with this issue : ( see attached ) WELLS FARGO. 
XXXX Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX XXXX, IA XXXX I am hopeful that we can get it corrected this time! 

Thank you.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Bank of America sent me an unsolicited preselected credit card offer via mail in early XXXX ( attached ), despite completing a permanent opt-out election in XXXX. I believe this is a violation of the Fair Credit Reporting Act. 
I have never had any relationship with Bank of America. 
In XX/XX/XXXX ( see attached ), I submitted an opt-out request via optoutprescreen.com and returned my signed election form via mail to make it permanent.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I asked for them to take this old account off my profile, and they said that the information has been verified. Although the account is closed. 

XXXX XXXX Closed Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXXXXXX Open/closedClosed StatusPaid in settlement. {$700.00} written off. 
Status updatedJul XXXX Balance- Balance updated- Credit limit $ 500 Monthly payment- Last Payment DateXXXX XXXXXXXX, XXXX Highest balance {$700.00} Terms- ResponsibilityIndividual Account paid in full for less than full balance Account previously in dispute - investigation complete, reported by data furnisher
Consumer complaint received 2024-02-22
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)

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible. 


EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE SEE ATTACHED see attached, please remove.
Consumer complaint received 2022-10-03
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid 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: DISCOVER BANK (TX)

On XX/XX/XXXX, I wrote a letter from my location at the XXXX XXXX XXXX Federal Low Security Prison to DISCOVER CARD ( see attached ), requesting copies of my statements for XXXX, as I had been incarcerated since XX/XX/XXXX and upon reviewing my Credit Report, I discovered past due amounts that could only be by fraudulent purchases that I did not make, as I was incarcerated. DISCOVER CARD never sent me the requested Credit Card Statements for my review and therefore, I was not allowed an opportunity to review these charges and dispute, accordingly. DISCOVER CARD did not reply to my request for account statements within the 30 days required for a response, therefore they have not acted within the requirements under the FAIR CREDIT REPORTING ACT, and are therefore in violation of the FCRA. 

Further, I notified the FBI of these crimes and others in the attached letter to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX.
Consumer complaint received 2022-10-03
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. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of XXXX, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by XXXX and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of XXXX, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 I fully paid off all of my credit card accounts and one personal loan account. At that time my TransUnion credit score was XXXX. Then today my credit score dropped to XXXX. Most of the information is incorrect such as oldest credit line went from 30 years to 4 years (??? ). My credit used shows 87 % which is incorrect. I do not owe anyone anything. My available credit decreased from approximately {$12000.00} down to {$660.00}. This does not make sense. I paid off 100 % all of my bills and my credit score goes down. What is wrong with our credit reporting agencies? I will be writing my US Congressman and US Senator about this unacceptable credit reporting misinformation issue. I paid off 100 % of my credit cards and personal loan and then my score goes down! This should not happen to anyone, especially persons who pay their bills. I hope these credit reporting agencies did get my name mixed up with someone else 's. I am a XXXX XXXX U.S. citizen and I don't have the time or physical energy to chase down these credit bureaus mistakes.
Consumer complaint received 2022-10-04
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)

After conducting an Internet search for my name, I discovered that some of my personal information was being used without my permission. My information was acquired by an aggregator website, which advised me to first check the website 's Frequently Asked Questions section and then contact approximately nine separate websites to have it removed. In addition to feeling violated because I value my privacy, I felt humiliated because I had to request that my belongings be removed. I discovered unauthorized fraudulent accounts on my credit report. I would like these accounts to be removed and rectified. Remove all erroneous and fraudulent accounts from my credit report. This has hindered my ability to acquire credit. I am doing everything possible to reclaim my life. Please assist me in deleting all fraudulent accounts. Please let me know if there is anything else that can be done to remove these accounts from my report.
Consumer complaint received 2023-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I downloaded the Experian app to look at any and all open accounts of mine on my credit. Seen a {$420.00} debt that was put to collections that is not mine. I did not and do not owe that money
Consumer complaint received 2023-01-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (GA)

XXXX XXXX called Citibank. After receiving no help, asked for a supervisor. She said that I should have funded this savings account. I explained that some time ago, the agent on the telephone instructed me to transfer {$25.00} from our checking account to keep the account activated. I did this but this supervisor said it had to funded from a debit card. 
This supervisor instructed me to write a letter to Citibank asking to reactivate the account so that I can transfer funds out and close it. 
Mailed the letter with all of the requested information on XX/XX/XXXX. As of today, XX/XX/XXXX I do not have my money. I can not transfer the money out as it remains deactivated. I did not receive anything in the mail from Citibank. Online it did state that they received my letter but are investigating. 
They have held my money XXXX for almost a month!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

In XX/XX/XXXX I entered into an agreement with XXXX XXXX auto on a vehicle lease. I completed the loan agreement in XX/XX/XXXX. I always made on time payments and they were in fact on auto-pay. I recently checked my credit report back in XXXX and i noticed that Experian had completely jacked up my Auto Payments with XXXX XXXX. There were messed up and inaccurate which really caused my credit score to drop. I had no clue that they were reporting me late, and why i was getting denied credit applications a few years back. I immediately sent them some mail telling them that the late payments were a mistake but they ignored me. I don't understand how a company can repot inaccurate information, and hurt my ability to obtain credit without any repercussions. This is clearly a violation and a billing error/mistake on Experian 's part, but they refuse to remove the late payments, or even acknowledge my request for accuracy. And even worse they were reporting these inaccuracies over the Covid-19 Pandemic.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX ; Account name : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Account name : XXXX XXXX, XXXX, XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX XXXX 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.

15U. S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

I have requested that my payments made during the COVID pandemic be refunded on XX/XX/2022. I have been told that it would take over 150 days to receive and when asked for proof that they filed for the refund, I was not given any proof that they had filed for my refund. The Biden administration has stated that the paperwork for forgiveness would become available early XXXX, and loan service providers should provide refunds in a reasonable manner so that I can receive my full forgiveness.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing this complaint AGAIN because I need to dispute information that I feel is inaccurate, incomplete, untimely, or unverifiable. I have contacted the furnishers and they have agreed to delete these accounts from my file but TransUnion has some internal block that they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the numerous complaints and letters, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) So TransUnion feels they're above the letter of the law and will not explain their policy. 
So now, please provide documents that show the following information is 100 % true, accurate, complete & verifiable. If youre unable to provide me with your methods of verification or verify the legitimacy of the information I need you to remove them from my file. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-22
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. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation (GA)

My identity was stolen and I've attempted to contact 1st Franklin Financial about the problem and they've attempted to send me a validation but never sent me the agreement I requested. I attached a letter of my conditional acceptance that they completely disregarded.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (MO)

On XX/XX/XXXX of 2022 An attempt was made to resolve inaccurate information on my report. It is now XX/XX/XXXX, of 2022 I have been taken advantage of due to malpractice while being in violation with FCRA guidelines. This has caused me hardship and hurt my ability to obtain credit.