davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-08
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-10-08
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PNC Bank N.A. (FL)

My identity have been stolen by unknown persons, and it needs to be cleared as soon as possible, I am a victim of being compromised by unknown individuals in the past years but have no clue who the theft is that did this to me
Consumer complaint received 2022-04-08
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX , XXXX XXXXAccount # 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 2022-10-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (AZ)

Greetings, To whom it may concern I the consumer : XXXX XXXX XXXX. come in good faith. So this complaint is on going from complaint # XXXX, I also must add that I also sent ALLY FINANCIAL a affidavit to rescind the transaction and pursuant to title 15 U.S.C 1635 ( b ) allege creditor has 20 days after receipt of a notice of rescission to return to obligor downpayment and or all payments made by obligor and termination of any security interest created under the transaction. CFPB Let it be known that ALLY is harassing me and sending me letters stating that they are going to repossess my vehicle if I dont make a payment. I can not believe said company is not being in honor of federal law, it is known now that if ALLY sends any one person 3rd party to repo my vehicle they will be in breach of federal law, and I will press any necessary charges as they do not have first hand knowledge pursuant to rule XXXX02 of federal rules of evidence. CFPB I put ALLY and there registered agent on notice that I was rescinding the transaction over 20 days ago I have the return receipt as well for proof. Thats is all a consumer is required to do absolutely nothing else. So CFPB please assist me with this matter as said corporation is bullying i the consumer. Thanks in advance
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid in full a XXXX XXXX account through portfolio recovery collection agency. XXXX XXXX XXXX collected full- payment of debt Owed including interest on my late payments. XXXX XXXX e-mailed me proof of letter that they reported my account paid in full not settled. I have been trying to fix this with Transunion, since I have been on the phone with Transunion for two hours everyday before I can speak to a representative. I have attempted to fix this with Transunion all week I have been trying to update my report as paid in full and not settled. This is affecting my credit report and score. Its wrong for you to pay your debts in full and your report still shows derogatory and on top of that they told me that it will be like this for seven years regardless if I paid in full or not this is not OK this is not right how people abuse their title to do whatever they feel like doing on other peoples credit reports this is FALSE INACCURATE INFORMATION ON MY CREDIT REPORT As of right now my account is derogatory status and I was told by a Transunion representative that my credit report will reflect a derogatory status for seven years due to not paying in full that is not correct its in accurate. I have been trying to fix this a Transunion representative told me that they will fix it and update my credit to paid in full but when I went back to check my credit report my account was freeze. I called technical support as advised by Another Transunion representative. I called technical support they told me there was no freeze on my account whoever took care of this over the phone and promised to update my credit report didnt help me didnt do anything and did something to my account where I dont have access to it and no one can help me.
Consumer complaint received 2022-11-05
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. (AL)

I'm 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 TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-16
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: WELLS FARGO & COMPANY (TX)

My personal information was compromised due to the XXXX XXXX XXXX on XX/XX/2021. 

On XXXX, XXXX, XXXX, Identity Protection service informed me that Wells Fargo used my personal information to request and receive access to my credit report and score. 

Nonetheless, I received a letter from Wells Fargo about an online application that I did not submit.
Consumer complaint received 2022-10-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. It's been well over 30 days and noting have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been over 30 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the XXXX data breach. 

Additionally, on XX/XX/2022, a demand to comply letter was sent awaiting response
Consumer complaint received 2020-05-14
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, FL XXXX
Consumer complaint received 2020-05-14
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, FL XXXX
Consumer complaint received 2022-10-16
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. (TX)

I am making this complaint to properly notify the credit reporting agencies of the pending disputes with the listed company that the credit reporting agencies falsely furnish on my report. On XX/XX/2022 the listed company was given notice pursuant to 15 U.S. Code 1602 ( k ) - the company never provided adequate notice which clearly and conspicuously mentioned the pertinent facts of these transactions causing me to make an uninformed decision. Further, the only evidence of indebtedness provided was just a computer-generated agreement. There's absolutely no way a computer generating a bunch of generic agreements is creating adequate notices, or agreements that everybody can understand. Lastly notice was given to the company listed for their unauthorized use which is defined in 15 U.S. Code 1602 ( p ) use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. And the credit reporting agencies are complicit and continue to violate my privacy by disclosing my nonpublic information. You might want to remove the accounts because you will be held accountable just like the companies listed. If you have any questions contact me at XXXX.
Consumer complaint received 2022-10-16
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. (SC)

Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 
The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : XXXX XXXX and Account as is reported on my credit report : XXXX XXXX XXXX XXXX Account- XXXX Comment : inaccurate, DATE OPEN, on my XXXX and Experian report NOT ACCURATE ACCORDING TO XXXX XXXX Guide Lines
Consumer complaint received 2019-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/19, at approximately XXXX hours, i responded to a XXXX  advertisement selling XXXX XXXX XXXX XXXX tickets. The seller, who referred to himself as " XXXX XXXX XXXX '' and used cell phone number XXXX, told me to use the Chase bank " quickpay '' application to send him the money, and he would then forward me the tickets. After forwarding {$280.00} to his email address ( XXXX ) and bank account, i stopped receiving communication from the seller. I contacted my bank ( JP Morgan Chase ) and asked what they can do to investigate the sellers bank account and they refused to investigate. I thought that since the quick pay was apart of Chase 's application, they would protect any fraudulent activity that occurred on their service.
Consumer complaint received 2022-10-08
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)

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 TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance XXXX {$640.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$1000.00} ; XXXX XXXX OF XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 ; XXXX FINANCIA XX/XX/2021 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 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the minimum payment for this month. I would like to request to have the minimum amount corrected to reflect the exact minimum amount and entire balance. 

In XX/XX/XXXX, I sent my payment to XXXX for the minimum amount required. Accordingly, I mailed this to XXXX before the due date ; however, the date the check posted was 1 day after the due date. Notwithstanding, I asked XXXX Customer Service if they could renounce the late fee for this month. I obtained a notification via chat regarding the late payment. I asked to have the late fee waived. XXXX complied with my request. However, I noticed on my next month 's statement that the late fee had not been waived. I contacted the XXXX Customer Service Department to discuss the possible oversight. I asked about the minimum payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with claimed there is no set amount for the minimum payment each month. I did finally receive a statement for this month that just shows an amount past due and it's delinquent. The minimum amount should not exceed 3 % of the total amount for the principal. 

I tried to file a complaint with transunion but the online dispute website was down at the time.
Consumer complaint received 2022-10-08
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. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are incorrect ( XXXX, XXXX and Experian ) are the ones reporting false information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-04-08
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. (LA)

CARES ACT Violation personal loan late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-16
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: Experian Information Solutions Inc. (IL)

There is an Unauthorized Inquiry that is currently being reported on my consumer credit profile that has been furnished without my consent, authorization, or permissible purpose. This inquiry has not resulted from any authorized consumer credit transaction, and therefore this use of my personal identifying information constitutes " Identity Theft '' pursuant to 12 CFR 1022.3 ( h ). Exercising my right as a consumer I have now identified and given notice of the unauthorized inquiry. EXPERIAN, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized inquiry no later than 4 business days after receipt and delivery of the notice. It is hereby required by Federal Law that EXPERIAN immediately remove or block from reporting the following unauthorized inquiry : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022