davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (NJ)

My estranged XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX has a history of using my social security number and has negatively impacted my credit previously. I worked very hard back in XXXX to have all items which i found to be his removed from my name/credit. However, recently my family and i applied for a new home because our lease is up and the background checks are showing I have an eviction in Florida ( father 's state of residence - False Eviction Record due to Identity Theft / Case # XXXX ). 

We reached out to XXXX for example to have this removed but still nothing has been removed and any property we apply even if using background check services other than XXXX my fathers eviction continues to show up under my name on all reports. 

I am almost positive if these people would check the birthday, place of residence they would see he is an older man living in Florida, they would see it isn't me. I haved lived and worked full time in XXXX  the past 16 years. 

Below is some additional information about my father that may help. He even has photos on XXXX in the house which he was evicted from in XXXX in FL. 

I looked up the public court record of the eviction and also reached out to the landlord and lawyer to let them know this wasn't me. 

Time is of the essence as my lease ends XX/XX/XXXX but no one is willing to rent to me & my family due to this error. 

I also am calling SS office tomorrow to request a new SS number as this has happened multiple times throughout my life but this is by far the worst he has done as it is now impacting my entire family. 

We also saw there is an open XXXXXXXX XXXX XXXXXXXX account in FL under my social which i am working on but this eviction is the most important at this time as my family & I need a place to live and this preventing us from finding XXXX. 

XXXX 's Details XXXX XXXX XXXX XX/XX/XXXX Last known place of Employment : XXXX XXXX XXXX XXXXXXXX XXXX FL ) Known Residences : Multiple locations in Florida such as XXXXXXXX XXXX XXXX FL, XXXX he also resided in GA for sometime. 

Thank you in advance for your assistance resolving this situation, we look forward to hearing you as soon as possible, please find our contact information below. 

Our Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Submitted Identity theft affidavit along with consumer statement, copy of drivers license, copy of social security, and copy of recent utility bill on XX/XX/2023. Contacted customer service today on XX/XX/2023. Today is the fourth business day and information is still reporting inaccurately to my personal credit report.
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXXXXXX XXXX Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-05-07
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. (LA)

I sent a letter asking for validation of debt to XXXX XXXX  for account XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter was sent on XX/XX/XXXX which was over 90 days ago by USPS under tracking number ( XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX  has failed to validate this debt and have not sent anything bearing my signature or nothing pertaining to this debt belongs to me. 

I also sent a letter to Equifax to delete this account 60 days ago due to XXXX failing to validate this debt. I called Equifax and they said they didn't receive my letter. I then sent another letter to Equifax to delete this debt along with a copy of the letter that was sent to XXXX XXXX  for validation with my state ID and proof of residence. This second letter was sent by USPS under tracking number ( XXXX XXXX XXXX XXXX XXXX ) and it was received on XX/XX/XXXX.
Consumer complaint received 2023-05-07
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. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-05-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK (AL)

Discover Home Loans I have FEMA proof that I dont need Flood Insurance for my Home Loan. Also, XXXX, XXXX XXXX, and XXXX XXXX knew I didnt need it. Some of the almost 8 acres is low, but has no buildings on it. 

I think Discover 's 'policy ' to require Flood Insurance if any of the land is in a flood zone is related to them taking my interest on escrow, which is illegal in 15 states.
Consumer complaint received 2023-05-09
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. (KS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-09
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. (GA)

This is not my account. I have never signed for, authorized written instructions for this consumer to open an account, any personal information obtained by XXXX XXXX XXXX account # XXXX is inaccurate and obtained fraudulently. This consumer is reporting debt collection on all three credit bureaus with unverifiable information.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-05-07
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: MOHELA (IL)

Mohela XXXX company. 
16 CFR 433.1 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/1977, shall be exempt from the requirements of 16 CFR XXXX XXXX  with respect to such contract provided the contract does not cut off consumers ' claims and defenses. 

( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. 

( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. 

( XXXX ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. 

( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. 
Mohela / XXXX fraudulant companies
Consumer complaint received 2023-05-07
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. (OR)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # XXXX XXXX XXXXXXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX 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.
Consumer complaint received 2023-05-09
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)

I hope you can help! I sent a letter to the credit bureaus on XX/XX/2023 and gotten a response and i still have inaccurate information on my report! My understanding is that Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below! 

1. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Identity Theft XXXX Account Number : XXXX Please investigate and delete from my credit report 4. Identity Theft XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Identity Theft XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report
Consumer complaint received 2017-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (DE)

PNC Bank changed the terms of my personal checking account. This notice was provided only via statement message on an account that is considered a virtual account and does not receive paper statements. Most activity, including reconciliations, on these types of accounts are performed in-app, and thus I did not receive proper notice, such as an App Notification or even a note to say, " Hey, by the way, there are new terms on the most recent statement. '' When I called to inquire about this service charge, I was told that PNC had done away with one of the ways they provided to avoid this charge. That particular method was to avoid visiting any of the branch tellers. All transactions had to be performed through the app, online banking website, or ATM machines, which I had done for many years. Unhappy with the outcome, I requested to close the account. I was informed that PNC could not close my account until my Life Insurance automatic withdraw was switched to another account. So, lacking any other options, I finished our conversation and proceeded to change the life insurance payment account. 

By the time the Life Insurance was switched, and I called PNC Bank to close the account for the second time, I was assessed another monthly fee which overdrew my account. This time PNC refuses to close the account because the account had been overdrawn by their $ XXXX monthly fee. I refuse to pay the fee on the grounds that I had previously requested to close the account because of it. 

At this point in time, PNC still refuses to close my account and is continuing to charge my account {$7.00} per day for being overdrawn. Fees assessed since my request to close the account currently total {$100.00}, as of X/XX/2017.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXXXXXX XXXX Date of Inquiry : XX/XX/ 2Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2023-05-09
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)

Identity theft alert has been placed on my credit reports due to information being shared and stock through data breaches and dark web exposure. There are fraudulent accounts and inquiries listed on my credit reports. XXXX, Equifax, and XXXX have reported accounts that are fraudulent from XXXX.
Consumer complaint received 2017-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

Reached out and submitted complaint to SW Credit Systems Sent letter ( which Is attached ) requesting back up. 
Rec 'd XXXX XXXX XXXX bills for a service Bill ( which is attached ) is not my phone number XXXX not sure whos number this is. I do not have XXXX XXXX XXXX as a carrier for my service. 
This is clearly a mix up and not my charge. 
The amount is {$830.00} Either send a signed contract with my signature of this cell phone number or remove from my credit reports
Consumer complaint received 2023-05-07
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. (NC)

XXXXXXXX XXXX  has placed information on my credit file. They will not accept the fact that I no longer am interested in their product. I have no legal obligation to continue to pay for something I do not use and do not own. I have contacted them on several occasions and they refuse to close my account and leave me alone. I just want inaccurate data removed from my credit file. They report to bureaus as a mortgage but refuse to provide proof of said mortgage. 

Credit bureaus are just allowing anyone with access to put data on consumer credit reports. Experian is not looking at documents or disputed reasons. They just send a computer message and accept the response. XXXX also allows them to rubber stamp false inaccurate data on my credit report.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This creditor has violated my rights under XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Notice of Rights Violation Dear CFPB, I am writing to formally address a matter regarding my account with 604A XXXX XXXX XXXX ( Account Number : XXXX. I believe my rights have been violated in relation to is action is a breach of my rights under the Privacy Act, as it has caused me, I have made multiple payments to this company and they continue to violate me in every way. 
In accordance with the Privacy Act, I request that you take immediate action to I have made several payments to this company, and they report late payments every month, which is not right and not accurate. 
Should this issue remain unresolved, I may have no choice but to escalate my complaint to the appropriate regulatory authorities. I have attached all the documents concerning this issue with this company. They are the worst, and they have really been very unfair to me.

I expect a prompt resolution to this matter and a response within. Should this issue not be resolved satisfactorily, I may have no choice but to seek further action, including reporting this matter to the appropriate regulatory authorities. 
Thank you for your attention to this important issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-02-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

I had a credit card and check in account through Wells Fargo. I closed my check in account and credit card. I have called them at least XXXX times every time they leave something out. Today I logged in and I found out that they have added another {$50.00}. I had to call them and found out that was a " reward account ' which was not closed properly. Wells Fargo is a corrupt bank. Should be investigated.