davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX  days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear sir, Today, I received the credit report ( # XXXX ) of your company by mail and decided to inquire why your company credit report online has the personal statements, which states : ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

FILE FROZEN DUE TO FEDERAL LEGISLATION As you might have realized this part, personal statements, is not included in the printed credit report. And as far as I see with other company printed credit reports and online reports, this part is not included. This discrepancy might be said allowable due to the nature of private company, which allows the individual expression of document. However, I believe the function of credit report should be the statement of private and individual information, which needs to be kept safely. Therefore, I wonder why the United States government allows these credit report companies create their own format of credit reports. I believe it need to have the consistency to show the reliability ; otherwise, they are not reliable and allows the possibilities to create several possibilities of identity formation, which might allow the identity fraud. Since other companies do not have this part in the credit reports, I expect you will explain why you added this part in the online version. If you consider this part is unnecessary after a few months questions why my credit report has the duty alert even though I asked many times the reason why this alert had added. Your company has never answered this question and now you just omitted this questionable part as if to tell it is not important at all since, I have a good credit score and do not have to worry so much. To say truth, other company credit reports do not have the credit score at all. I can not see any credit score at other company website. I expect your company will explain why your company credit report tends to delete many things without any explanation, because this is my credit, not yours. Your company needs to remind yourself you are just one private company in the middle of global world.

What is this FILE FROZEN DUE TO FEDERAL LEGISLATION. I need the explanation on this part. And I request the clarification of meaning of EXTEND, because it might have the extension of fraud alert or extension of credit limit. If it is meant the latter, your company shows the function of credit card company ; therefore, I need to ask another question why your company needs to ask the credit card companies not to extend the limit. 

Sincerely,
Consumer complaint received 2024-01-19
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. (OH)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2020 I placed several stop payments at Wells Fargo Bank because I no longer was working and was no longer receiving funds. The banker in charge f my account waived all the stop payment fees and stated that he would not pay the XXXX XXXX item that was pending. Unfortunately it did get paid and my account has been overdrawn since then. I filed a complaint before however they are not taking into consideration that the banker in charge of my account stated that he would NOT pay the NSF item as it would overdraw my account. I have called wells Fargo Bank and complained again as I have not received any correspondence from them on this complaint. The new complaint number is XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

A balance is reporting on my Chase account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with Chase and they have failed to correct it.
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

My complaint is not about a lender. It is actually about the verbiage the CFPB created with regards to the FCRA. On page XXXX. The section about sharing a credit report with a consumer. FCRA says a lender can not share a credit report at all with a consumer unless an adverse action is taken by the lender. Problem this creates is that the lender needs multiple things addressed up front that appear on the credit report. This leaves the only method of communicating to ask the borrower to explain late payments, a list of inquiries and a list of addresses as verbal only. Many borrowers just ask to have the list of requirements of explanations to be emailed to them so they can review them and explain them. But the FCRA prohibits this. This is not consumer centric or friendly at all. Is there something in the FCRA that allows a lender to openly communicate in writing with the borrower about these items? Not looking to give the borrower a copy of the credit report but can cutting and pasting or retyping the areas of concern from the credit report be permissible. I only read what I saw on page XXXX with regards to this topic. I have been in the industry for 35 years and with my current employer ( lender ) for 22 years. I am confident while my employer follows the letter of the law other smaller lenders are sharing parts of the credit report with the borrowers with no issues. So my question is what can we do other than just try and communicate this verbally with borrowers.
Consumer complaint received 2020-07-07
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: CREDIT ACCEPTANCE CORPORATION (IL)

This account was opened fraudulently on XX/XX/2014 and is left with the balance of {$5400.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my report.
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

I requested mortgage assistance from Wells Fargo and was denied for home retention options. I was told my options to avoid foreclosure were deed in lieu in foreclosure or to list my home for short sale. Opting to short sale my home was the most difficult decision to make but we made it. With a broken heart we did list the home and sent everything Wells Fargo needed to start the short sale process. Calls to confirm receipt of the documents we sent were made and Wells Fargo confirmed the documents were received and were being reviewed. Now that I call to check status on the short sale process I am being told the sale date is active and will be taking place as reviewing my request to short sale was received too late. I asked why was I not informed of this on XXXX XXXX, 2016 when I called to check status on the request? Instead I was told the documents were received and were being reviewed. Never the less the representative was very rude and told me they are moving forward with the sale date. I told the representative what options are they providing me with to avoid foreclosure and the representative very mockingly answered " NONE ''. I told the representative I am in California, and here it is a requirement that ALL lenders provide an alternative to avoid foreclosure. The representative again told me I have no options and asked if she had addressed all my concerns. I asked to speak with a supervisor and of course the call was terminated. I called back to speak with a Supervisor and would get transferred to the Home Preservation and of course as usual I get the voicemail. This entire matter has been difficult God is my witness we tried and tried to make ends meet and have accepted the reality, which is we can not afford our home which is why we decided to to proceed with the short sale process. I am very very very sadden with the treatment and inaccurate information and the acts of bad faith Wells Fargo. I have asked for a postponement as there is a buyer and I will be penalized and will be required to pay the buyer for the cancellation of the process, which is money I do NOT have.
Consumer complaint received 2020-07-07
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. (MO)

1 ) On XX/XX/XXXX XXXX XXXX ran my credit causing an inquiry on my consumer credit file with Experian. This was a violation of the rules concerning when it is legal to pull a credit report, as XXXX XXXX  sold the account to a collection agency on XX/XX/XXXX. As you can see they pulled it more than a year after they sold it to someone else. In addition I am attaching a letter I recieved from them as a result of filing a dispute. The letter indicates that XXXX XXXX   no longer has anything to do with the account. 

XXXX ) Account Resolution Service collects deficiency balances for XXXX XXXX XXXX, who finances for XXXX and is owned by XXXX. I voluntarily surrendered a car to XXXX and they subsequently sold the vehicle. They violated Florida law when they sold the vehicle without notifying me of the date, time and place of the intended sale at least 10 days prior to the sale. I am attaching the Florida Statute which is underlined and highlighted in the section that requires XXXX to notify me. 

Both have been disputed with Experian, and both remain on my credit file. By accepting the file from XXXX XXXX XXXX Experian has compounded the damage done to my credit, with an illegal action that caused the delinquency balance
Consumer complaint received 2024-01-19
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020, I hired someone for an office manager position at a XXXX  I own. Within days, she began using my Capital One credit card for numerous unauthorized charges, unbeknownst to me. Over the course of several weeks, she continued to increase this behavior to fund her personal expenses and several expenses for another business she was trying to start, in the amount of {$6600.00}. As this came to light, we approached the employee about it, at which point she tried to conceal the nature of the charges through various lies. She was fired immediately as she'd demonstrated herself to be a fraudster. I reported the fraudulent charges to Capital One at that same time. Initially, they reversed the charges. Subsequently, they reinstated the charges stating that this does not constitute fraud.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

A collection account is reporting in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX XXXX XXXX and they have failed to correct it.
Consumer complaint received 2020-07-07
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. (CA)

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-12-07
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. (LA)

I recently started to monitor my credit with extra time on my hands this year with me not being employed and I notice someone has stolen my identity I have several fraud accounts in my name I have tried getting this resolved credit agencies and they are not helping ..
Consumer complaint received 2024-01-19
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 hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 
I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

The ongoing presence of these fraudulent items has not only caused me financial hardship but has also severely eroded my trust in Credit Bureaus. As a loyal customer, I expected a higher level of service and security, both of which have been lacking in this situation. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. 

I appreciate your immediate attention to this matter and look forward to a swift and satisfactory resolution. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-07
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. (NC)

This is regards to a continuing issue with XXXX XXXX XXXX that I have tried to work out a solution for 3 years. I have made several calls about this matter and providing emails to support my statements. I called XX/XX/XXXX to come pick up the car, that I had went into the United States XXXX, was having some issues with the car and could not afford to keep it. I was sent a form, faxed it back and they would call me with an appointment to come pick up the car. Never heard anything till a couple of weeks I called back again to make an appt. He said someone would come the following Wednesday between 2 and 4 and we verified. No show again. This goes on for about a month with no shows. Finally XXXX, XXXX we call and speak with XXXX XXXX XXXX resend him the form again ( email provided ). He is going to call us back and schedule an appt. NEVER hear from him again. XX/XX/XXXX my mother contacts XXXX  again about picking up the car with no response. ( email provide ) I tried everything working with them with no prevail. I did not want the embarrassment of them coming into my mothers yard in the middle of the night and scaring her when we were willing to schedule an appointment and meet with them. Meanwhile she is paying insurance and taxes on the car. We also called the local XXXX dealer and they would not take the car. Finally on XX/XX/XXXX my mother, which has my POA and is authorized on this account contacted XXXX again about coming to pick up the car. Telling them that if they do not come pick it up she is charging {$20.00} per day. ( email provided ) As of today 's date that is {$7900.00} XXXX owes. We have done all we know to get this matter resolved early on, this is penalizing me credit-wise. The information XXXX is providing is inaccurate to all three bureaus. I have also provide inaccurate billing statement provided by XXXX that are inconsistent with your credit reporting and XXXX  previous response. ( email provided ).
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I have several inaccurate addresses under personal information on my Experian report. 15 U.S. Code 1681- Congressional findings and statement of purpose states, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2024-01-19
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX