davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am writing to express my utmost concern and frustration regarding the numerous, persistent attempts I have made to remove fraudulent items from my account with Credit Bureaus. Despite my repeated efforts, the resolution of this matter has been elusive, causing me significant distress and financial hardship. 

I discovered unauthorized and fraudulent transactions on my account. Since then, I have diligently reported the issue to your customer service department on multiple occasions. Regrettably, each attempt to address the matter has been met with limited success, and the fraudulent items remain unresolved. 

I understand the gravity of handling fraud-related incidents and the importance of a thorough investigation. However, the lack of progress and effective communication throughout this process has left me feeling unsupported and vulnerable. 

I urgently request the following actions to be taken : Immediate and comprehensive investigation into the fraudulent items on my account. 
Transparent communication outlining the specific measures being taken to address and remove the fraudulent transactions. 
Swift removal of the fraudulent items and a comprehensive review of my account 's security to prevent any further unauthorized transactions. 
Given the urgency of this matter, I expect a resolution within the specified timeframe from the date of receipt of this letter. It is crucial that the necessary steps are taken promptly to rectify this situation and restore the security of my account. 

If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including involving relevant regulatory authorities and seeking legal counsel to protect my rights as a consumer. 

I trust that your organization takes matters of fraud seriously, and I urgently seek your immediate attention and action to address this critical concern. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

The website is in perpetually not working. I cant get any info on my mortgage loan. 
I cant even provide my account number for this complaint because I cant access my information. 
I have had this problem repeatedly, over and over, and it is pervasive. When I call, they say the site is being worked on. This is UNACCEPTABLE.
Consumer complaint received 2017-09-12
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. (TN)

Equifax 's data breach has released my personal information to unknown parties due to the companies lacking protection of my personal information. I have placed a 90 day fraud alert on my reports, but the company has been unresponsive ( Website down, phone numbers busy or disconnecting ) since I had learned of the company 's loss of my personal data.
Consumer complaint received 2016-05-22
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Platinum Holdings Group, LLC (OR)

Worldwide Asset XXXX, LLC has garnished my entire paycheck for the next three months. Everything I make after taxes is to be sent to them by my boss. This leaves me with XXXX income, how am i supposed to live? I do n't even remember what this debt is from, and i do n't remember charging such a large amount, ever.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

I contacted Equifax around XXXX XXXX because I had not received a response back from the alleged creditor. So I was disputing this inaccurate information pursuant U.S.C sec 1692g XXXX b ) : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

I called Equifax on XXXX/XXXX/2015 and spoke with XXXX. When I contacted the CRA they refused to remove the information and stated that I did not have the right to validate the debt because I was not the CRA which is not correct by law.
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)

Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following 3 accounts. 

[ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX XXXX Account Number : XXXX ] [ XXXX XXXX  Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports immediately.
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 — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (IL)

I accessed my credit report XX/XX/2022 and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to Amex, XXXX XXXX, XXXX, and XXXX XXXX via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.
Consumer complaint received 2020-05-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several student loan accounts and credit accounts that are inaccurately reporting lates on my credit file. The following accounts have accurate late reportings : XXXX XXXX - Open date XX/XX/2019 XXXX ( 10 accounts ) - Inaccurately reporting 120 days late There are address information that don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are incorrect name on my Transunion File : XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting 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)

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I AM A VICTIM OF IDENTITY THEFT
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. (CA)

I'm disputing the following information on the three credit reporting agencies. I was the victim of identity theft and the following account and inquiries are listed without my knowledge, consent or authority. Please see that XXXX XXXX is removed from my credit reports along with ANY inquiries related to XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX I'm submitting this with my FTC report which is a legal representation of the facts. I need this matter handled ASAP as it's impacting my ability to do a loan and is causing me a ton of emotional, physical and XXXX  health issues.
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. (FL)

Dearest CFPB, I badly needed your help! 

I am deeply concerned to discover that someone gained unauthorized access to my account and conducted a credit inquiry without my knowledge and approval. This breach of privacy adds to my ongoing frustration with the unresolved issues concerning inaccurate accounts. Despite XXXX deleting these accounts from my credit report last year, both XXXX and Experian have yet to take similar actions. 

It is upsetting and baffling that different credit bureaus are making varied decisions on what accounts to remove or retain. I believed that if they source information from a single furnisher, their actions should be unified. I request urgent attention to rectify these discrepancies and ensure a consistent and accurate representation of my credit history across all bureaus.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX and Transunion is not validating accurate information of child support showing up on my credit reports. The information is wrong and not my debt.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. ()

I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the Equifax data breech. However, I now live in XXXX ( and have since 2010 ). As advised by many experts, on Sunday XX/XX/XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.
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. (GA)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2020-01-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

Sunday XX/XX/2020 Midland credit called me 3 times Saturday XX/XX/2020 they called me 2 times Friday XX/XX/2020 they called me 3 times. They have consistently called me average of three times a day for the last three weeks. No breaks on weekends either. They call morning midday and night. I am attaching the called that i declined but i answered the others
Consumer complaint received 2024-01-14
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. (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian regarding their failure to address and rectify inaccurate information on my credit report. I have attempted to resolve this issue directly with Experian to no avail, and I am now seeking your assistance in resolving this matter. 

Details of the dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX I first contacted Experian in writing to dispute inaccurate information on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

2. Subsequently, on XX/XX/, I reached out to Experian again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

3. Despite multiple attempts to engage with Experian, my efforts to rectify this situation were met with silence. On XX/XX/, I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. 

4. Furthermore, on XXXX XXXX XXXXXX/XX/XXXX, I made another attempt to contact Experian, seeking resolution to the unauthorized inquiries issue. However, I have received no response or acknowledgment of this communication. 

Regrettably, Experian has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. 

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that Experian addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter, please find copies of all relevant documentation, including my previous communications with Experian, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. 

Thank you for your time and assistance.
Consumer complaint received 2021-10-31
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On around XX/XX/XXXX through XXXX I received correspondence from Well Fargo on my legit Federal file complaints of Discrimination and Retaliation, Identity Theft and Violations of my ADA Disability Act under Department of Justice. 

So Wells Fargo XXXX XXXX XXXX Lending Executive Case Specialist states that there is no wrong doings or violations of Federal and State Laws on the issues of Wells Fargo keeping my former checking account open so a Wells Fargo XXXX Customer can use my identity and information to obtain a Home Mortgage. 

Why Wells Fargo allow this issues to occur with my private information and identity and keeping a old checking account open until XXXX? 
Wells Fargo conducted a research and stated that a former checking account was open on XXXX XXXX, and account closing on XXXX XXXX and why Wells Fargo kepted this account open when I requested to be close back around XXXX 's.? 

Wells Fargo states they made a error and respectfully and I say this is a major error in using my identity and private information and doing a fraud, Scandal and Corruptions.. 

Why Wells Fargo is not providing me and Federal Government any evidence of Checking account ending # XXXX with Wells Fargo Visa Debit Card purchases, Bank Statements and Opening a account application with my Official Hand Written Signatures when this checking account and Home Mortgage was open around the XXXX XXXX? 
Who was my employer in the XXXX and it should have been noted on the application when checking account was opened at Wells Fargo and what Wells Fargo Brancg account was open in California? 
On XXXX XXXX Wells Fargo stated that a email was sent to me and what was my email address and why the email was sent to me? 
FBI can archive my emails for evidence. 

Also, Why does Wells Fargo wants me to cash or deposit a {$26.00} Wells Fargo check immediately on a checking account # XXXX and Home, Mortgage that is in Fraud, Scandal, Corruptions and Violations of Federal and State Laws? 

I am not going to cash no check of $ XXXX.I am holding this check as evidence as I am respectfully requesting a FBI investigation and I have made contact with Leaderships in the White House in Washington, D.C .
Consumer complaint received 2024-01-13
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. (CA)

I had an unsecured credit card with XXXX XXXX XXXX XXXX open in 2021 at some point I got delinquent on my account and XXXX XXXX XXXX XXXX decided to close my account and shortly after they started the collection process. Before agreeing to pay my balance owed that was less than XXXX XXXX dollars. I ask if I pay off this balance would they delete it from my credit report and was told they could do that. This was a verbal agreement and I made the mistake of not getting in writing or follow up in writing. 

I paid it and XXXX XXXX XXXX XXXX did not honor their end the agreement. I tried to dispute it with credit bureau and was not successful at getting a resolution. 

XXXX XXXX XXXX XXXX is not being transparent when it comes to reporting to all XXXX bureaus there appears to be information that is not consistent
Consumer complaint received 2017-09-12
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)

On XXXX XXXX, I have learnt about the Equifax hack. I checked on their website and my " personal information may have been impacted by this incident ''. 
Later on, I tried to get a credit report from Equifax and it failed. 
I tried to freeze my files and it failed. 
I also learnt that the Equifax website to check about the incident does n't even always give reliable information. 
I was in XXXX for work and I had to come back to the US in  order to figure out how to solve this problem since all the internet-only actions have failed.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Despite XXXX disputes with Experian, they are still reporting XXXX of my students loans as having a balance. On XXXX student loan account, they are incorrectly reporting a {$53000.00} balance. ( XXXX and XXXX are correctly reporting a {$0.00} balance. ) My loans have been forgiven. I have submitted evidence verifying that the loans have been forgiven, and that I have a XXXX balance with the XXXX XXXX XXXX website, as well as XXXX ( the student loan servicer ). I can not understand why Experian is incorrectly reporting a balance. This is preventing me from refinancing my house.
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (TX)

A week ago started seeing problems with my KeyBank checking account. Could send ACH or use XXXX. Have called called customer service at XXXX and they confirmed that account is locked due to fraudulent wire transaction and I was advised to go to my nearest branch to unlock it. I live in XXXX  now, when I opened account used to live in XXXX. Now my nearest branch is in XXXX. Customer service told me to try contacting branch where I opened account and that branch is in XXXX, XXXX. Have called them but they didn't help in resolving my problem with locked account and my funds are unavailable for use.