davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
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: FC HoldCo LLC (MS)

I have made reports for the police in XXXX when purse was taken in which contained documents with my information and i got a letter from a pervious employer in XXXX that my information had been compromised. There are reports of places I never lived in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-08-28
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. (VA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-28
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. (SC)

On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-03
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - 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 - Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-09
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. (GA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX
Consumer complaint received 2023-04-24
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. (PA)

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 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 2021-08-26
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: General Motors Financial Company, Inc. (MD)

i had a car loan with americredit/gmfinancial i never had a late payment the account was in good standing and i noticed the account is no longer being reported on my credit report causing my credit score to plummet downwards ive sent reinsertion letters to the credit bureaus and nothing has been done to date AMERICREDIT/GM FINANCIAL Account Name AMERICREDIT/GM FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$20000.00} Highest Balance {$0.00} Terms 60 Months
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Dear Experian Customer Service, I am writing this letter to express my extreme disappointment and frustration with the service I have received from your company. I have been a holder of a XXXXXXXX XXXX XXXX for one year and five months, but it has never appeared on my credit report with an explanation. Meanwhile, the other two credit reporting companies have this record. 

I have called your customer service more than 10 times to solve this problem since XXXX. However, every time I call, the representative asks for my credit card information and tells me to wait and see. Unfortunately, this problem has never been resolved, which has made me extremely upset and uncomfortable. 

During this time, I tried to apply for a new credit card, but due to this mistake, I have been rejected multiple times. The banks told me that I do not have an account open long enough to establish a credit history. The truth is that I do have a credit history on both XXXX and XXXX. It is very disrespectful that Experian made this mistake and has never corrected it. 

I have been patient and cooperative, but the lack of professionalism and service from Experian has led to a great deal of frustration and inconvenience for me. I would like to request an immediate resolution to this issue and a correction to my credit report. I hope that my feedback will help improve the level of service that you provide to your customers in the future. 

Sincerely, XXXX
Consumer complaint received 2023-04-24
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. (IL)

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-24
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. (NC)

This is my 6TH 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 alleged fraud or extortion. 
XXXX : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-13
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. (IN)

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. ( XXXX - XXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy. 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/year>, I applied to capital one for a credit card. I received from Capital One a letter dated XX/XX/year> [ " Re : application ID. # XXXX '' ] requesting that I supply to them, a Government issued photo identification for XXXX XXXX , XXXX XXXX ! and a Social Security Number or identification number for XXXX XXXX,, XXXX XXXX!. 
On XX/XX/year>, I contacted Capital One by phone [ " XXXX '' ] which they had provided in their correspondence to me. 
A female answered the phone and identified herself as XXXX, whose identification number is XXXX. 
I advised her that my husband was present and that she could discuss my application with him. After she had finished the credentialization of myself, she wanted to know how she could help. [ " She further stated that she was from the fraud department of Capital One '' ]. She was asked the following questions, ( 1 ) .why was the application sent to the fraud department of Capital One, ( 2 ). Why Was I required to refurnish my Social Security Number, and Why was I required to furnish my Passport and Business identification number. 
She stated that under Federal guide lines, she could not furnish such information and that I could not have anyone near by to ask or answer questions [ Although I advised her that my husband was sitting beside me and has my authorization to participate in the discussion ]. 
I therefore instructed her to cancelled the application and to notify all credit bureaus that I had cancelled the application, since they { Capital One had pulled my credit score which is in the XXXX score. 
The conversation ended after her request that I could not continue the conversation with my husband beside me.
Consumer complaint received 2023-04-24
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX  XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-21
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: EQUIFAX, INC. (FL)

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am desperately trying again to correct certain inaccurate late payments showing on my credit report during XXXX. 

Historical late payments for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX, I mailed a Negotiable Instrument ( a United States Post Office Money Order ) No. XXXX as Tender of Payment in the amount of {$5000.00} to WELLS FARGO BANK , N.A . along with the Letter of Instruction to credit my credit card account accordingly in order to balance the account and set off any alleged debt obligations. My Negotiable Instrument ( tender of payment ) was mailed by United States Post Office Certified Mail with Return Receipt ( tracking no. XXXX XXXX XXXX XXXX XXXX XXXX ). The Negotiable Instrument and Letter of Instruction both were delivered and signed for by XXXX of WELLS FARGO BANK representatives on XX/XX/XXXX, at XXXX a.m. Neither on XX/XX/XXXX, nor any other day has WELLS FARGO BANK representatives ever credited my account for this payment ; they never even returned my Tender of Payment. In summary, WELLS FARGO BANK representatives failed to get my Negotiable Instrument ( Money Order ) or Tender of Payment to the right department therefore it was NEVER deposited as instructed NOR was the payment credited to my credit card account, which resulted in an alleged late payment. WELLS FARGO BANK representatives failed to credit my account in the amount {$5000.00} as instructed. Their neglect to properly handle my credit ( XXXX ) has caused me financial hardship and financial stress. Their irresponsibility resulted in billing errors uncalled for - which led to late payments being reported to XXXX, XXXX and XXXX, causing me to be denied credit and have other credit card accounts closed due to their misreporting. Furthermore, I never gave WELLS FARGO BANK my written consent nor permissible purpose to make my private financial transaction information known to the public nor to be shared with third parties therefore WELLS FARGO BANK has violated my Right to Privacy and the Privacy Act of XXXX by reporting this information to the three main credit agencies, XXXX, XXXX and XXXX which eventually led to other financial institutions receiving the derogatory and false information. To add, WELLS FARGO BANK did not provide me with all the necessary and required Notices and Disclosures they are supposed to have provided, in regard to the Truth In Lending Act ( TILA ), therefore they are in violation of TILA, and I am supposed to receive all monies collected from the Finance Charge, as well. Included documents in this complaint are the blank Money Order ( receipt ), Tender of Payment for {$5000.00} receipt to Wells Fargo, Letter of Instruction to Wells Fargo, Wells Fargo payment Statement for {$5000.00}, USPS Certified Mail Delivery Receipt, copy of Consumer Report containing derogatory item/ late payment reporting.
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (LA)

Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX They are collecting a debt of {$880.00} for a XXXX XXXX account I never opened. Account number : XXXX. 
I have an ex girlfriend from XXXX  that has my social security number and she has been using my SSN to open accounts under my name. 
Her name is XXXX XXXX and had alias XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX She has other aliases too! 
She has been using the phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX and others to contact me to give her money. Emails she uses to contact me XXXX, XXXX, XXXX, XXXX Addresses she uses to setup services using my SSN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX