davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
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. (NV)

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

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

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

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

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

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2021-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have noticed multiple accounts on my report I do not recognize two time each XXXX XXXX  XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, XXXX
Consumer complaint received 2020-01-11
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. (NC)

Account from XXXX with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with discover, and I am not an authorized user on an account with discover. Please assist and remove.
Consumer complaint received 2017-09-11
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. (NV)

This is regarding the Equifax breach. 

My information has been compromised by a consumer credit reporting agency. I did not authorize this agency to collect or release my information in any way. 

As part of disaster mitigation, I am attempting to lock my credit at all agencies. These agencies, including the one that was breached ( Equifax ) are all charging for this service.
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I was trying to purchase tickets to a football game via XXXX. Upon agreeing to an amount of {$300.00} for 3 tickets I unknowingly sent the XXXX payment to a scammer. The scammer sent proof of the tickets and eventually blocked me and my wife from their XXXX account. I called Citibank in less than an hour to remedy the situation but payment could not be stopped. I also spoke to their fraud department and there was nothing that could be done. I then spoke to XXXX and reported the fraud.
Consumer complaint received 2024-01-12
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. (PA)

Subject : Request for Deletion of Late Payments and Correction of Reported Balance - Account Number XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention discrepancies related to my XXXX XXXX account with the account number XXXX. The occurrences in question occurred in XX/XX/XXXX and XX/XX/XXXX, impacting all three major credit profiles- EXPERIAN, XXXX, and XXXX. 

In adherence to pertinent federal laws and regulations, I am seeking the removal of late payments and correction of reported balance based on the following provisions : 15 U.S. Code 1681a - Definitions : This section emphasizes the importance of accurate and fair information reporting to credit bureaus. 

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Outlining permissible purposes for accessing consumer reports, stressing the necessity of accurate and up-to-date information.

Privacy Act of 1974 ( 5 U.S. Code 552a ) : This Act ensures the proper handling of personal information by federal agencies, promoting transparency and fairness in data usage.

15 USC 6802 ( b ) ( c ) - Protection of Nonpublic Personal Information : Establishing safeguards for the protection of nonpublic personal information, underscoring the significance of privacy and security in financial transactions.

12 CFR 1016.7 - Accuracy of Information Furnished to Consumer Reporting Agencies : This regulation sets forth requirements for the accuracy and integrity of information provided to consumer reporting agencies.

15 U.S. Code 1666b - Timing of Payments : This section highlights the timing of payments, reinforcing the need for accurate reporting in relation to payment schedules.

Furthermore, I have identified a balance inaccuracy being reported as {$19000.00}, whereas the correct balance of this account is {$18000.00}. I kindly request that this discrepancy be rectified promptly to ensure the accuracy of my credit information. 

Enclosed with this letter, you will find supporting documentation, including proof of timely payments during the specified months and evidence of the correct account balance. I appreciate your thorough investigation into these matters and request that you keep me informed of the outcomes. 

Thank you for your attention and assistance in resolving these issues.
Consumer complaint received 2020-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$60000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} 09 XXXX XXXX Opened XX/XX/XXXX 2019
Consumer complaint received 2017-01-18
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

In 2016 Wells Fargo created an " unapplied '' funds account where they took my checks that are marked " escrow only '' and deposit them is a non-descript account. They took checks that are marked Mortgage " principal and interest only '' and liquidate them in this mysterious account. Money then flows out of the account without any documentation of how much money was taken out of the account, where it was applied, what the balance was before or after money was moved in and out of this non-descript un-applied funds account. I can not tell from the lack of documentation where money is going or follow any paper XXXX. If it is being applied to escrow, then there needs to be itemized records indicating each entry. If it is going to principal and interests, then likewise, there should be itemized entries. Clearly Checks marked escrow should go to the escrow, and checks to pay the mortgage principal and interests should do exactly that. If there is a shortage then I should be notified with the correct payment options. 
In keeping with XXXX XXXX, I am asking Wells Fargo, to supply an " un-applied funds '' accounting ledger for the 2016 year that shows the input and output accounting, the checks by number that they liquidated into that account, and what fines, fees or transfers were made to/from that account and what when to pay what? I would also like to see a copy of the amortization schedule with a comparison of where the VA closing statements indicate where we should be at this point and where Wells is actually at in reference to the amortization schedule. 
I am asking also that the requested accounting be attached to the replay here at the Consumer Financial Protection Bureau, along with a copy mailed. - Thank you
Consumer complaint received 2024-01-12
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. (PA)

I don't understand why it took Experian and XXXX so long to investigate and applied the necessary solution to these accounts. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX have them deleted back in XX/XX/2023. Confirmed that these accounts were incorrectly and inaccurately reported. 

As a consumer, I understand that under the FCRA law, they have clearly emphasized that Consumer Reporting Agencies should have an automated system in place for furnishers of the information to communicate the inaccurate and incomplete information with other consumer reporting agencies ESPECIALLY if the accounts are reporting the same information. 

Moreover, FCRA also stated that once a furnisher deems an account to be inaccurate or incomplete they must relay/communicate the information with all consumer reporting agencies that they are furnishing the information to. 

It's very upsetting that Experian and XXXX are not taking this law seriously and are not doing their due diligence of practicing fair and impartial resolution.
Consumer complaint received 2017-09-11
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. (TX)

Equifax compromised my identity. Their system was hacked mid XXXX, but they did n't announce it to the public, I was vulnerable to identity theft. since they did n't announce it to the public, I was n't able to take any measure to protect myself from identity theft.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My credit report from Experian app, XXXX and XXXX has not been update for months. All though Ive making all payment on times my credit report remain the same. 
I have attached proof of my credit report from credit Karma that constantly been updated. 
Experian never updated my credit report.
Consumer complaint received 2017-09-11
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. (IL)

Equifax allowed my personal information to be stolen and did not inform me until XXXX 2017 ( 2 months after the incident occurred ) to be able to react appropriately to take the necessary actions to protect myself.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am the author of this complaint and I have attached a copy of my driver 's license and social security card to verify my identity. I tried to apply for credit and was swiftly denied, which led me to check my credit report. I noticed several creditors and collection agencies that are reporting incomplete, incorrect, and downright fraudulent information. I have attached letters below in the attachments which will show the accounts that I am calling into question. 

The credit bureaus are allowing reporting in such a way that violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681s-2b and 15 USC 1681b are being blatantly violated and from my research all parties can be held civilly liable. 

The credit bureaus are not conducting a reasonable investigation like they are obligated to do
Consumer complaint received 2020-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am in the process of clearing negative items that the are marked as " CHARGED OFF '' on my report. The reason being is that no credit reporting agency per the FCA has the written instructions from the consumer to include ANY information on a consumers file. I have disputed the items many times to no avail and without proper documentation per the FCRA. These items are negatively affecting my reputation and credit file which is hindering the consumer to partake in the natural course of banking which is advocated upon by Congress. These are written instructions and demand from the natural person to have these inaccurate and negative items removed immediately from the credit reports of the consumer XXXX XXXX- Status incorrect- account paid- monthly payment {$0.00} XXXX XXXX XXXX- No attached collections acct-still report 3 years after closed ALL EMPLOYMENT SHOULD BE CLEARED XXXX XXXX- still updating 1 years after close Lastly the consumer does not fit the criteria for any closed account per the FCRA
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX is reporting a collection/chargeoff to the credit reporitng. XXXX is reporting the high credit limit as XXXX. Experian is reporting XXXX XXXX is reporting XXXX. 

Furthermore XXXX is reporting that the date of last payment is XXXX, however they have continued to report a payment history for XXXX and XXXX it is a violation for a chargeoff to continue to report a payment history. 

Additionally, XXXX is reporting the date of last activity as XX/XX/XXXX. Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Even with all these inconsistencies, each company continues to respond that the account has been verified as reporting accurately. These inconsistencies prove that no reasonable or proper investigation has occurred. I have been disputing these accounts for a year. 

FCRA section 616 for civil liability for willful non compliance, ( 15 U.S.C section 1681nh states that any person who fails to willfully comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of A- any actual damage sustained by the consumer as a result of the failure or damage of not less than {$100.00} and not more than {$1000.00}. i have suffered damages to my credit profile which has impacted my financial wellbeing. I would like to be compensated by these bureaus in the sum of more than {$100.00} and not more than {$1000.00} for their negligence in causing these violations and damages to my credit report.
Consumer complaint received 2020-01-11
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. (LA)

On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX  Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

Deleted XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (WV)

we had a loan through Wells Fargo purchased XX/XX/XXXX. My husband XXXX in the military shortly after that and while he was XXXX, I had trouble getting Wells Fargo to protect him under the Soldiers and Sailors Relief Act.. Our vehicle was repossessed around XX/XX/XXXX-XX/XX/XXXX. I believe this was illegal due to his XXXX. We were not given a court order. I understand that Wells Fargo is being sued because of this and I want to enclose proof of this. This affected our mortgage process due to the fact we had to explain why it was repossessed. I am also including the credit report stating the status.
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (LA)

I was fraudulently debited money from my accto by a past vendor and was eventually extorted of this money due to Wells Fargo refusing to prosecute and claiming the case was dead due to their incorrectly filing the type of fraud charges ... 

I was deprived of {$3500.00}
Consumer complaint received 2024-01-12
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. (NJ)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family
Consumer complaint received 2019-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

There is a company on my credit report call MBA Law that portrays themself as a law office collecting a debt. However, one I never received any correspondence from them about this. Number two I never gave anyone any permission to sell my information to anyone to harass me about money. I did not sign any paperwork with this company so I know they have no signature on file for me.
Consumer complaint received 2020-05-01
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 am upset about things I still see on my credit report that does not belong to me I have disputed these items and they have came back verified and I requested that they send me the information that they used to verify these items and it has been over 60 days and I still have not received the information I requested.