davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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. (NV)

There is a fraudulent account which opened by unauthorized unknown person several years ago. I've tried to contact XXXX XXXX XXXX and credit bureau agencies to remove from my credit report. However it did not work that way. 
I was so frustrated because even though I paid {$XXXX} of balance to resolve this matter it still appears on my credit file. This is clearly a identity theft crimes and I hope this will work for me.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I am writing to dispute the accuracy of the information reported on my credit report by XXXX XXXX. 

XXXX XXXX reports that I owe an an amount due of : {$170.00}, {$75.00} of which is the original amount and the rest being interest. I have not been sent proof of this, though it has been requested previosuly XXXX XXXX required that I put down a deposit of {$200.00} and when asking a representative of XXXX XXXX on a recorded phone call they stated that this deposit was not applied to the amount. There is no mention or notice of XXXX XXXX forfeiting their customers deposit without application to debts and is very intentionally misleading and/or even malicious as XXXX XXXX is intentionally reporting derogatory marks on my credit history without having applied the deposit I was lead to believe would cover a CREDIBLE debt on the credit should it not be paid at an appropriate time I believe there is a misreporting of the amount owed; XXXX XXXX Reported : {$170.00} owed to them however I believe this amount is not only incorrect, XXXX XXXX stated on a recorded line that they did not use my deposit of {$200.00} and stated on a recorded phone call that they will not use or return my deposit. XXXX XXXX is intentionally misleading customers, taking their money and negatively affecting credit even when I have repeatedly called XXXX XXXX and tried to work on a solution with them. 

As such I am now requesting XXXX XXXX, EXPERIAN, XXXX and XXXX provide me with detailed proof of the debts including specific information such as date and times of purchases, amounts for each purchase, location of purchase. I am also requesting XXXX XXXX return my deposit of {$200.00} or apply it to my supposed debt of {$170.00}. As a gesture of goodwill in the case of the latter I will consider the {$25.00} owed to me as unneccessary to return, if not I request the return of the full {$200.00} deposit. 

ADDITIONALLY I am requesting that these derogatory marks and items be removed entirely from my credit report ENTIRELY, including but not limited to removal from EXPERIAN, XXXX and XXXX. 

Please investigate this matter and please send me proof of debts, a return of deposit and/or application to any credible existing debt and delete the disputed and/or deragaotry item ( s ) as soon as possible. appreciate your prompt attention to this matter and I hope to hear from you soon regarding a solution to our mutual satisfaction, thank you
Consumer complaint received 2024-10-02
Product: Credit reporting 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. (OH)

I received a notification on XX/XX/year> that someone had applied for a credit card in my name with XXXX XXXX. I immediately called XXXX and reported it as fraud. I was provided with case number XXXX and told the hard inquiry would be removed from my credit as the request was fraudulent. 

It is now XXXX and the hard inquiry is still on my report. I called XXXX XXXX back on XX/XX/year> and was told that they did everything required on their end to have the fraudulent credit inquiry removed and again provided with case # XXXX. I was told to follow up with XXXX. 

I called XXXX on the same day and they opened an escalated case to reach back out to XXXX to determine what happened. I was told I would hear within XXXX business days a determination. I was provided with case # XXXX by XXXX. 

I called XXXX back on XX/XX/year> as I have not heard anything from XXXX. I was told by the rep I needed to file a CFPB report in order to have the inquiry removed. I was not happy with this as I reported the fraud and XXXX did everything necessary to have the inquiry removed from my credit.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hello and good day, there are items on my credit report that have resulted from fraud, all transactions and charges on these accounts are fraudulent. I never benefited from any of these transactions. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX  and undue stress.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

My name is incorrect on my report it should be the same as my state if and social security card my full and whole name no other name or abbreviations this is the only name I go by.it should be on all three credit bureaus the same way. On my on. Address should be on my report I dnt live in two or three locations only one and thats XXXX XXXX XXXX XXXXXXXX XXXX  XXXX no other address should be on my report ( XXXX XXXX XXXX XXXX ) only name should be on all three reports XXXX XXXX XXXX XXXX XXXX is the only address should be on my report
Consumer complaint received 2024-10-02
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)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX DEPT OF ED 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-10-02
Product: Credit reporting 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. (PA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-10-02
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. (NY)

Hello, my name is XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third-party agency. Please see the following attached documentation below and meet my requests as soon as possible. Thank you for your timely compliance!
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-02
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. (GA)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negativity impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit report but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Consumer complaint received 2024-10-02
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. (GA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulently opened in my name. I have sent numerous letters providing proof that the accounts are indeed fraudulent. The bureaus have failed to accurately provide proof of a legitimate investigation as well as any documents with my signature or identification. The bureaus have also failed to report accurate information on my mortgage account which forced me to pay off early due to the incorrect pay statuses reporting as late when I have never paid late on account XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (FL)

I am not familiar with doing business with credit collection services. After XXXX  this looks like a collection agency. I have yet to receive a letter of validation. Also, they keep texting me at ungodly times even when I opted out. It also looks like my personal information was sold to this company. This is a clear FTC violation of code 15 USC CODE 1681S-2. The collection account also shows open.
Consumer complaint received 2024-10-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A. (PA)

I opened a HELOC with PNC in XX/XX/XXXX for {$180000.00} to do home improvements and payoff a small existing XXXX mortgage of XXXX. At the closing table the terms were different than disclosed and described. I required to pay XXXX XXXX XXXX  payments not interest only. Under pressure of commitments to contractors, I moved forward with the loan. I utilized the full draw and made payments for XXXX. My understanding was that there was a XXXX draw payment with a XXXX repayment after the draw period. On XX/XX/XXXX, I was given the option to move the balance to a fixed rate with a payment of principal and interest or a fixed rate with an interest only option for XXXX. I received nothing in writing and received only a phone call to make this decision. I chose the interest only option with the understanding there would be a repayment of XXXX similar to the XXXX XXXX XXXX option. I was verbally assured of this at the time of this decision. The XX/XX/XXXX I received a notice that there is a balloon payment due in XXXX. This conflicts with the language of the original note and the document I signed. At no time was it made clear to me either verbally or in writing that choosing the interest only would trigger a balloon payment XXXX yrs later. 

I have asked PNC to prove to me in writing and in conversation that they disclosed the balloon payment. I maintain that the language of the original note in vague and misleading and the subsequent lock document to be the same. 
I am simply asking for PNC to allow me to pay the loan back by XXXX as originally agreed.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact XXXX15 U.S. Code 1681 ( XXXX ) XXXX states that any payments during XXXX are required to be deferred or XXXX15 U.S. code 1681 XXXX XXXX ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY ()

Between XXXX and XXXX of XX/XX/XXXX, the XXXX accounts I had with Wellsfargo were closed supposedly because I was living abroad ( XXXX ). 
Between all XXXX accounts, I had circa XXXX XXXX 

( XXXX ) While being in XXXX, the Wellsfargo customer service reps continuously told me that the only way to transfer the funds was through a cashier check, which I was unable to cash out because I was not living in the XXXX, or through a wire transfer, which to proceed a notarized XXXX  XXXX needed to be signed off by the account owner. After I requested the alpha XXXX to be mailed out from XXXX to XXXX twice, and never received it, I decided to plan a trip to the XXXX to solve this issue. 

In XX/XX/XXXX, I traveled to XXXX and went to a Wellsfargo branch next to the airport. The banker who assisted me told me he was not able to find the XXXX closed accounts on the system, he only managed to find XXXX of them which had a total sum of XXXX XXXX Which meant that the XXXX other accounts that had the rest of the money ( XXXX $ ) were missing. 


After the trip from XXXX, I had been making international calls to Wellsfargo practically on a daily basis, and every time I call they manage to find another excuse to postpone the case : XXXX. After a week of phone calls they were able to identify the missing accounts, they said that junior bankers didnt had access to request that information. 

XXXX. A case investigation was opened on the last week of XX/XX/XXXX, and was supposed to close on XX/XX/XXXX. Afterwards the case got postponed again to XX/XX/XXXX because they keep searching for information which they cant disclose. 

I really need my money back as soon as possible and I am tired of waiting. I am prepared to take this to legal action. My lawyer advised me to take this step first. I would kindly request your support. 

Best regards.