davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (OK)

The Credit Bureaus have been doing nothin despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victom of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions byt filing a lawsuti against the Credit Bureaus and sue them for the damaged taken due to therur incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them them to remove the following items completely from my Credit Report at the earliest possible time : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00}
Consumer complaint received 2020-06-05
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 2022-07-03
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. (TX)

I used to have a Mortgage in 2019 with XXXX XXXX XXXX. 
this Mortgage company for the several months stop sending mortgage bills and told me, I no longer had an account with XXXX XXXX XXXX  ... that they were bought out and taken over by another Mortgage company. I was told to wait until the new Mortgage company would generate a new account number and new billing cycle ... .which took several months, because the XXXX XXXX XXXX  had been acquired and many customers complaint were coming into thier XXXX # /// Because my account took several months to transfer all my customer mortgage information to the new Mortgage company, i was told to wait before making a payment and wait for the new bill to arrived, which took several months. 

I would like my late payment removed from XXXX XXXX XXXX  in all of 2019 ... .this problem, was the mortgage company 's fault for bad customer service and lack for billing no longer being sent to my home address and also my online records were no longer available, the website no longer was working to make payments in 2019 from XXXX to XX/XX/2019.
Consumer complaint received 2020-06-05
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. (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 2022-07-25
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. (IL)

The credit reporting agency EXPERIAN has acknowledged and admitted to receipt and delivery of the Identity Theft Report provided by the consumer on XX/XX/XXXX @ XXXX and now must comply with the Fair Credit Reporting Act [ 15 USC 1681c-2 ] by blocking the unauthorized information reported by the consumer no later than XX/XX/XXXX. However, EXPERIAN has FALSELY ALLEGED that all documents required to be submitted with the Identity Theft Report have not been supplied by the consumer. This statement is IN FACT FALSE as the consumer has certified evidence that all required documentation has been delivered pursuant to Fair Credit Reporting Act [ 15 USC 1681c-2 ] by way of USPS Priority Express Mail XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX. I have provided all pages of the FTC Identity Theft Report including validation that the report has been filed with the appropriate Federal Law Enforcement ( FTC ), as well as documentation verifying the my Identity, Address, Date of Birth, and Social Security Number in accordance with the Fair Credit Reporting Act. 
EXPERIAN is now required by Federal Law under the Fair Credit Reporting Act section [ 15 USC 1681c-2 ] to send all required notifications to all furnishers of the referenced account information and to BLOCK from reporting the following unauthorized account : UNAUTHORIZED ACCOUNT MUST BE REMOVED NO LATER THAN XX/XX/XXXX : CREDITOR : XXXX XXXX XXXX XXXX XXXX CREDITOR XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT TYPE : COLLECTION DATE OPENED : XX/XX/XXXX AMOUNT DUE : {$27000.00} & {$27000.00} ORIGINAL CREDITOR : XXXX XXXX CREDITOR PHONE : ( XXXX ) XXXX
Consumer complaint received 2022-07-25
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. (FL)

I submitted a dispute with you on XX/XX/2022 where I explained how unfairly Experian is going about when it comes to my disputes. When I called I was unable to dispute, when the dispute was done I didnt even get notified I had to find out by looking it up on the Experian platform. I was not properly notified by mail or email. Id like to start by saying that this is the only credit bureau displaying such information. I dont have a XXXX account on any of my other bureau credit reports. Most importantly, the information on this account is invalid. It has a phone number thats not mine, an incorrect address, and even the name seems off. This account is erroneous/invalid and must get deleted. Experians reluctance to delete this account is very suspicious since an FTC report has even been provided. They reach out to the creditor directly instead of a non-affiliated third party.
Consumer complaint received 2022-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

XX/XX/2022 I Used Zelle thru my bank, XXXX XXXX to purchase an item for {$250.00}. The minute I realized it was a scam I called XXXX XXXX but was told there was nothing I could do
Consumer complaint received 2022-07-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My complaint begins with some hard inquiries I encountered on my credit report. Total of 9 hard inquiries. 

Banks that showed up on my report are : XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX In the end of the month of XXXX continuing to the beginning months of XXXX. XXXX I recently started a XXXX  business in XXXX ( XX/XX/22 ) and have not established any business credit. I believe these hard inquiries are fraud and should be taken off my credit report. I am well aware on how to manage, spend, and keep my utilizations low in order to build proper credit without applying too many unnecessary debt.
Consumer complaint received 2022-06-29
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. (NC)

In accordance with the Fair Credit Reporting Act : The XXXX  XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : Dept of Ed/XXXX  # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-06-05
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. (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 2022-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (TN)

Due to theft and act of fraud by persons being investigated whom accessed account after stealing my debit card, I immediately contact American Express Serve to cancel my card. After doing so, my funds was locked and I had no way to make withdrawals on declined transactions were ongoing when making oayment with bank routinb and account number. My card was expedited but due issues that thr company fail to investigate and refuses to acknowledge, this has left thr access to my accou nt unsecured likely due to the inteference by these individuals who are responsible for the theft of my identity and are being currently pursued crriminally. Having no access to my account has cause multiple unauthorized transactions and pending transactions, it has led to the compromise of the debt card PIN security feature and seem to be used as a frature that allows the card holder to enter my phone banking. Transfers can be made with attempts have been notices. The continuous changing of my email per notifications from the institution, allowing smaller unauthorized activity and the routing of notifications and statments to be routed as my account is under absolute compromise without any support, remedy, or corrective action from the Financial Institution.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act, XXXX  account numbers have violated my rights : - XXXX, XX/XX/XXXX, {$540.00} XXXX, XX/XX/XXXX, {$660.00} XXXX, XX/XX/XXXX, {$11000.00} XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, {$140.00} XXXX, XX/XX/XXXX, {$1000.00} XXXX, XX/XX/XXXX, {$780.00} Per 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

Also per 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-06-29
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-29
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

N accordance with the Fair Credit Reporting act XXXX Account # 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 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # 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 an account without my written instructions.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I would like to make an complaint about an companies investigation on a creditor on my public records. Reference number : XXXX. XXXX XXXX XXXX XXXX  United States bankruptcy court. I have disputed this through experian and the creditor. Under the FCRA 15 US code section 1681e ( b ) requires experian to verify with the creditor. I contacted the courts and was told from the creditor itself that they dont verify any information.
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (NV)

On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at XXXX XXXX. It was reportedly sent to XXXX. XXXX claims these funds were never received and XXXX states funds were withdrawn and I would need to talk to XXXX. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. XX/XX/XXXX Online Payment XXXX To XXXX, XXXX. XX/XX/XXXX XXXX payment {$2200.00}. The Trace number is XXXX It has been further reported that XXXX sent these funds to my new loan service provider Regions Bank. They claim funds have never been received.
Consumer complaint received 2020-06-05
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterwards I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letter of several unpaid for accounts that I have never open. There's a fraudulent account open that I am not near familiar with. These accounts are not mine, please remove it.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (IA)

I did 2 Did 2 cash outs from cash app to spruce. The second one went through but the first one never showed on my transctions. XXXX claims they never received XXXX deposit that cash app says sent and provided a trace number for which is XXXX. I requested documentation from XXXX  stating they didn't receive payment which they ignored my request and didn't provide as well as asked for the a payment trace which they wouldn't do or even acknowledge that request just went around it. Cash app claims they can't refund me and or reverse the cashout without a dispute even though I provided the screenshots for the chat conversations with XXXX live chat and my transctions Which does not show a transcation or deposit for XXXX
Consumer complaint received 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account was added to my credit report without my knowledge or consent. I am a victim of fraud. This account was added to my credit report one day and it is damaging my credit report and I would like to have it removed. This regional acceptance needs to be removed from my credit report as soon as possible.