davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-05-21
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-21
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. (CA)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX  XX/XX/2022XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm XXXX I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KS)

I have been trying to get them to fix the personal information on my credit report. I have gotten a copy of my credit report and it is showing that I have a bankruptcy on all three of my credit reports, I have asked them to verify this information. Which if they could not very or validate this information. Which this was on XX/XX/2022. 

I got a response back from them saying it had been verified it through the XXXX  XXXX XXXX XXXX 

So, I sent a letter to the courts asking if they reported to the Credit Bureaus? They sent me a letter back stating that they do not report to them. Which was on XX/XX/2022 I turned around and sent that letter back to them asking them to remove the inaccurate information at once, that they were breaking the law. Which was XX/XX/2022 I then got a letter back from XXXX stating they had validated it again and would not remove it that they applauded me for trying to fix my credit. That they are here to help me fix it. If that was true, then why are they keep breaking the law? Which I received that letter XXXX XX/XX/2022 Which I still have not got anything from the other two Credit Bureaus .

Which then again, I sent the letter to show proof to the Credit Bureaus, that they in fact lied about it and that they were breaking the law with the Fair credit act. along with countless others and warned them that I would file a complaint with the CFPB as well contact the FTC to file a complaint. Which they have not removed this from credit report. Which that letter was sent along with the proof from the Courts on XX/XX/2022.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (GA)

Equifax has been made aware on multiple occasions that XXXX is in A 34 multi state litigation. Attorney Generals have stated that XXXX has been found negligent and is required to delete derogatory information, waive any loan balance on accounts dating XXXX to XXXX. If loan was charged off within 1 year. 
Multi state settlement acknowledges that XXXX practices were deemed predatory and included deceptive dealer involvement. XXXX is in direct violation of 15 USC1681e and I have made Equifax aware of this. It is public record as well, I am suffering emotional distress, humiliation and suffering Monetary loss from this XXXX account and Equifax continuing to report knowing the litigation that XXXX is in.
Consumer complaint received 2024-08-15
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-09-03
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$1100.00} XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX Balance : {$530.00} ; XXXX  XXXX Balance : {$510.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-15
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. (MO)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act 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 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2, they are supposed to 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 2022-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC, for committing identity theft. I have never given Portfolio Recovery Associates , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Portfolio Recovery Associates , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Portfolio Recovery Associates , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery Associates LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-07-21
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-15
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. (SC)

I PULLED MY EQUIFAX CREDIT REPORT AND SAW MULTIPLE FRAUDULENT ACCOUNTS REPORTING. I GOTTEN A POLICE/FTC REPORT MADE AND ITS IN THE ATTACHMENTS BELOW. PLEASE REMOVE ACCOUNTS THEY DO NOT BELONG TO ME.
Consumer complaint received 2023-03-23
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: WELLS FARGO & COMPANY (MN)

I discovered I got a total 6 fraud charges and the amount was {$850.00} on my Wells Fargo Propel American Express credit card ending # XXXX on XXXX. I called the bank/ credit card company immediately to report the fraud situation. I looked up for all of those charges happened in XXXX. It seemed like the thief who stole my credit card information went to nice restaurants and stores in XXXX to spend my money which never benefited me. I never authorized the card to anyone. I never been in XXXX before. I live in the United States, Minnesota. 

The credit card company/ bank closed my old card and issued me the new one. They said they would investigated the situation and let me know. I was anxious and called the bank back several times those few days. The agents reassured me I would get my money back. I asked if I needed to go to the police station to get a police report and they said no need to. 

About a week, the bank took off those fraud charges. But after I received a new card, the bank put all of those fraud charges back into the new account. I also received a letter from the bank writing me they denied my fraud claim. In the letter they said they found that no fraud occurred, or that the transactions were authorized. 

I'm reaching out to CFPB to get justice and wants the bank to refund money back.
Consumer complaint received 2023-02-16
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-02-15
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: Fidelity National Information Services, Inc. (FNIS) (OR)

In accordance with the Fair Credit Reporting Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX A PART OF XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-21
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I Had recently reviewed my credit report and discovery these account on my credit report. XXXX Open on XXXX in the amount of {$1800.00} and XXXX XXXX XXXX Open XXXX in the amount of {$320.00}. The company state that the debt is mines! HOW? but I was XXXX with XXXX during that time and I received XXXX XXXX at the same time. So I don't recall applying for these account. They are reporting on my credit report from and would like them to be removed as soon as possible please and thank!
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo has restricted access to all of my accounts. I have been trying to access my accounts for over 3 years now as seen in Case number XXXX from XX/XX/XXXX to Case Number XXXX on XX/XX/XXXX - I have remained in the same place with Wells Fargo since XXXX XXXX of our business relationship beginning in XXXX. I am very concerned that these cases have all been a huge waste of my time. That they are wasting societies time for monetary gain and less penallties.
Consumer complaint received 2020-05-21
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: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX spoke with a representative about my credit card payment. I stated to the rep that I had been trying to reach someone in customer service since XXXX about wanting to return the items which was the balance due in acct. Rep stated no worries she would take care of late payment and not to make any payments because she had sent in request to not make payment due to customer return. I for proof email that she did that she stated she could not send me a email but not to worry my credit would not be affected. Call again on the XXXX spoke with another rep she stated the same thing not to worry everything was already put in my account would not report negative. On XX/XX/XXXX I got a negative reporting stating 30 days late called spoke with rep on XX/XX/XXXX he said the rep did not submit request correctly and thats why it was reported late. I made the payment of XXXX he stated that he would put the request in to credit back team to remove negative impact and give me my points all back. On XX/XX/XXXX I get another negative report to XXXX  68 points dropped because it was just reported to them and XXXX  as well Im very upset I mean emotionally distressed because of this negligence unacceptable customer service experience from XXXX representative. On XX/XX/XXXX I called spoke with a foreign agent XXXX first she gave me fake I.D number XXXX then she said XXXX she lied about what the rep notes stated in the system put me on mute I let her know the call was being recorded she never came back I hung up called back got a american agent XXXX I .XXXX XXXX she stated that the back office did not do their part after the both reps submitted payment relief application on my behalf to have minimum payment waived with late fees as well she it was their fault for not handling it in a timely manner and correctly. This should be updated no later than XX/XX/XXXX.
Consumer complaint received 2020-05-21
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF ED/XXXX  XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (TX)

I have sent dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc. (PA)

XXXXXXXX

PLEASE REVIEW AND OPEN ME MY ACCOUNT.  I WAS INVITED BY YOUR COMPANY TO APPLY, I DID. MY SCORE IS XXXX I really need this account to be opened. see attached.