davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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. (GA)

EXPERIAN, XXXX AND XXXX HAS A XXXX ACCOUNT INCORRECTLY STATUS ON MY REPORT. THE OPEN DATES ARE MIXED UP, THE LAST REPORTED IS MIXED UP. ON XXXX THE COMMENTS SAYS ACCOUNT LEGALLY PAID OFF, XXXX SAYS SETTLEMENT ACCEPTED, XXXX SAYS PAYEMENT AFTER CHARGE OFF. WITH ALL THE ERRORS BY THE BUREAUS IT SEEMS AS INACCURATE INFORMATION IS BEING DISPLAYED AND WRONG INFORMATION IS BEING GIVEN TO ANY THAT REQUEST INFORMATION. THE CREDIT AGENCIES ARE IN VIOLATION AND IS NOT DOING THEIR JOB AS LISTED BY THE FCRA XXXX XXXX XXXX XXXXXXXX ACCT # XXXX IS REPORTING INCORRECTLY WITH EXPERIAN AND XXXX XXXX XXXX IS SHOWING CLOSED HOWEVER CURRENT AND STILL REPORTING NEGATIVELY AND THIS IS HURTING MY CREDIT SCORE. I NEED THE FOLLOWING ACCOUNT DELETED. ITS ALOT OF ERRORS AND THEIR IS NO ACCURACY ON TRUE OPEN DATES NOR LAST DATE ACTIVE .THE DATA IS COMPLETELY OFF WHICH INDICATE THIS CAR WAS SOLD TO A DEBT COLLECTION AGENCY AFTER I WAS NOT PROPERLY INFORMED REGARDING ABOUT THIS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT MY RIGHTS HAVE BEEN VIOLATED.

15 U.S.C. 1681 SECTION 604 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 XXXX XXXX ACCT XXXX XXXX HAS INACCURATE OPENED DATE, 2 DIFFERENT HIGH CREDIT AMOUNT, INACCURATE LAST REPORTED DATE
Consumer complaint received 2022-09-01
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2100.00}
Consumer complaint received 2022-09-01
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. (GA)

XXXX, TRANSUNION AND XXXX HAS A XXXX ACCOUNT INCORRECTLY STATUS ON MY REPORT. THE OPEN DATES ARE MIXED UP, THE LAST REPORTED IS MIXED UP. ON XXXX THE COMMENTS SAYS ACCOUNT LEGALLY PAID OFF, XXXX SAYS SETTLEMENT ACCEPTED, TRANSUNION SAYS PAYEMENT AFTER CHARGE OFF. WITH ALL THE ERRORS BY THE BUREAUS IT SEEMS AS INACCURATE INFORMATION IS BEING DISPLAYED AND WRONG INFORMATION IS BEING GIVEN TO ANY THAT REQUEST INFORMATION. THE CREDIT AGENCIES ARE IN VIOLATION AND IS NOT DOING THEIR JOB AS LISTED BY THE FCRA XXXX XXXX  XXXX XXXX ACCT # XXXX IS REPORTING INCORRECTLY WITH XXXX AND XXXX XXXX TRANSUNION IS SHOWING CLOSED HOWEVER CURRENT AND STILL REPORTING NEGATIVELY AND THIS IS HURTING MY CREDIT SCORE. I NEED THE FOLLOWING ACCOUNT DELETED. ITS ALOT OF ERRORS AND THEIR IS NO ACCURACY ON TRUE OPEN DATES NOR LAST DATE ACTIVE .THE DATA IS COMPLETELY OFF WHICH INDICATE THIS CAR WAS SOLD TO A DEBT COLLECTION AGENCY AFTER I WAS NOT PROPERLY INFORMED REGARDING ABOUT THIS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT MY RIGHTS HAVE BEEN VIOLATED.

15 U.S.C. 1681 SECTION 604 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 XXXX XXXX  ACCT # XXXX HAS INACCURATE OPENED DATE, 2 DIFFERENT HIGH CREDIT AMOUNT, INACCURATE LAST REPORTED DATE
Consumer complaint received 2022-09-01
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. (MO)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-09-01
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$850.00}, XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX I, XXXX ( Original Creditor : XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

I applied for a job on XXXX from a job from XXXX XXXXXXXX. I get a text on XX/XX/22 saying I got the job for a XXXX XXXX XXXX but needed to pay for equipment. I spoke to my hiring manager through XXXX and call. They were supposed to send me a check but it was running late so they emailed me the check front and back and had me print it out. I deposited the check through my bank using mobile for the amount of {$3500.00}. only partial went through {$400.00} I then transferred through XXXX to XXXX XXXX XXXX a amount of {$400.00}. I get a call from my bank saying the check is fake and my account will be closed. I go to my local bank wells Fargo and speak with a manger and clear everything up proving I was defrauded and scammed under the pretense I was getting a job. I was told my account would be on hold until the XX/XX/22 and the negative {$400.00} charge would be removed. I call today to wells Fargo and my hold on my account is removed but they will not remove the negative balance of {$400.00} saying that I'm responsible. The XXXX payment was on hold for two pending and they still let it go through despite the money coming from a fake check but I'm responsible.
Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems (NC)

I was seen a couple of times in XXXX  and needed testing. They had gathered my XXXX information which was also already in their system but failed to bill my insurance and instead sold 4 separate bills to the same collection agency Financial Data Systems.

Debts : 1. {$1000.00} 2. {$750.00} 3. {$750.00} 4. {$420.00}
Consumer complaint received 2022-09-01
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. (IN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have identified information on my credit report that does not belong to me and was not created by me. the identified are 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 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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

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 2022-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am not really sure what happened other than I am being told BOFA has reported an account as fraud, I don't have any knowledge of what they're referring to so I filed a dispute with XXXX XXXX as they're the ones provided information that impacted the bank in denying my request to open a checking account with XXXX XXXX and XXXX XXXX. I was made aware of the claim when I attempted to open an account with XXXX XXXX XXXX and was told the account had restrictions and XXXX XXXX stated the same. I sent a dispute on XXXX because I honestly have no idea what this is. A response was returned from BOFA stating it was verified as accurate however NO documentation was provided supporting the validity of the claim. No amount, nothing! Just a side note I am not quite sure when this took place however I have been a victim of identity theft on more than one occasion an as recent as XX/XX/2020 someone file a fraudulent unemployment claim while i was clearly working that I had to dispute and filed a complaint with the FTC. I am getting ready to send a complaint with XXXX as I just got an email with an invoice from XXXX stating thanks for a payment and I HAVEN'T authorize ANY freakin XXXX payment this is getting so fustrating!! So I am escalating this matter with the hope that you guys can resolve this issue for me. Thanks!
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-09-01
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX Account Number : 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 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX  anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, I C SYSTEM failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2022-09-01
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: WELLS FARGO & COMPANY (CT)

XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Wells Fargo XXXX XXXX XXXX XXXX XXXX have all used the arbitrary consumer reporting system to discriminate against me, violate my privacy and violate my consumer right to obtain credit. I recently reviewed my consumer report and disputed violations of my consumer rights to privacy without satisfactory results. My dispute about privacy violation was met with responses about accuracy of reporting information. They never denied violation of my rights instead choosing to disregard it. 

Under Title 15 U.S.C. 1681a ( i ) the consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. 15 U.S.C. 6802 states that a financial institution may not directly or through any affiliate disclose non public information to a third party ( such as the consumer reporting agencies ) without my written consent. Hard inquiries and latenesses clearly constitutes non public experiences solely between myself and a financial institution/creditor and as such must remain privatebe safeguarded and protected. Disclosure of my information requires that I ( the consumer ) be given the opportunity before that information is initially disclosed to direct that such information NOT be disclosed to a third party. Theyve denied me my right to privacy and to exercise my non disclosure option and in reporting what amounts to private ( non public ) experiences between me and a financial institution have caused me harm/damage in pursuit of credit. 

I invoke my consumer right and formally request with this written letter the removal of hard inquiries and derogatory negative private information currently disclosed on my consumer report file within the allotted 30 day period. Their failure to comply with my initial written request constitutes willful noncompliance and makes them liable for damages to me15 U.S.C. 1681n.
Consumer complaint received 2022-09-01
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. (NJ)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights. 

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 2022-09-01
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. (TX)

On XX/XX/2022 i sent off a debt validation letter to the alleged debt Collector XXXX XXXX & they returned to sender saying that address is unknown & invalid when this is the address clearly showing on my Consumer report. If address information is invalid then surely the information being reported is to my understanding INACCURATE also. 

In accordance with the Fair Credit Reporting act XXXX XXXX # xxxxxxxxxx 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 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I ordered a copy of my report in MyScoreIQ and XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX  XXXX XXXX Balance : {$430.00}
Consumer complaint received 2022-08-31
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 amount {$5900.00} showing that this account is open and past due. This is not correct. 

XXXX XXXXt XXXX XXXX  ) {$1300.00} showing a past due balance. This is not even my account. 

XXXX XXXX {$1000.00} showing a past due balance. This doesnt belong to me. 

XXXX {$120.00} showing a past due balance. I never had an account with this company. 

I have submitted several letters requesting the inaccurate information removed from my credit report. I have asked for proof that these items belong to me and they have failed to provide me with documentation. 

Please see the credit report attached with the items circled.