davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (CA)

XXXX continues to inquire dispute inquiries, reporting onto my credit report but they are taking longer than usual, ive been waiting to apply for a home loan as well establish business credit. 
experian has so many inaccurate information thats not up to date, hurtingh me from gaining credit. 
i have called creditors they have no information available in their system, i have addresses phone numbers, hard inquiries that are someone else 's or likely fraudulent, i have several addresses phone numbers, names that are not mine, i am not them. 
over the years the scammers have been more creative and illusive adding their personal addresses and cell numbers XXXX, experian, XXXX, XXXX  information gathering is a disservice to consumers as these creditors above are holding onto several inadequate information
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-06-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am reporting two issues : 1. I received mail from Bank of America, notifying me that my application for the Royal Caribbean card was declined due to incomplete or unsatisfactory information. 

I never applied for such card or account. 

In checking my credit report a hard inquiry does appear from Bank of America XX/XX/2023. 

I have reported to XXXX and requested that a fraud alert be placed on my account. 

2. On XX/XX/2023 I received a letter on XXXX XXXX XXXX XXXX, stating that my application was declined due to unsatisfactory or unverifiable information. It was a very detailed letter containing my correct credit score. It referred me to XXXX reporting Agency, but I was reluctant to contact either XXXX or XXXX based on the suspicious nature of the letter. I have made a note with XXXX that this was an unauthorized application. It is not currently showing on my XXXX report, but I am concerned that it will appear at a future date. Perhaps it is not showing because it is so recent, or perhaps it would appear on a report issued by another reporting agency.
Consumer complaint received 2023-06-13
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. (TX)

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.

The letters are stated with items and issues. 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 2023-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023, my personal friend XXXX XXXX XXXX attempted to send me {$660.00} + {$130.00} via XXXX to reimburse me for our upcoming leisure trip to XXXX, CO. I had paid all the expenses ( hotel, flight, car rental, concert tickets, etc. ) on my card, and he was reimbursing me for his half of the expenses -- all allowed under XXXX 's Terms of Service. My Wells Fargo Checking account ( tied to XXXX ) was immediately frozen, flagged for closure, and my XXXX access was suspended. I was instructed by Wells Fargo to visit a Wells Fargo branch with two forms of identification. I did so, and Wells Fargo Loss Prevention Team 'retained " my Wells Fargo Checking account. Wells Fargo also, after verifying my identity, initiated an internal escalation to restore access to XXXX. After attempting to enroll in XXXX with XXXX XXXX XXXX, I am told that my XXXX profile is still restricted. XXXX is unable to assist, as I signed up to XXXX via a partner bank ( Wells Fargo ). Wells Fargo is unable to assist, as they claim they have unlocked my XXXX access on their end. XXXX XXXX is unable to assist, as they claim the suspension is from Wells Fargo. No party is willing/able to help me. I have always used XXXX in accordance with the outlined Terms of Service -- only sending & receiving to/from friends and family for non-commercial payments.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

has violated my rights. Or list of inquiries 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 2023-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (SC)

The first of this year when I was trying to get a house I became aware of this account with CBNAXXXX XXXXXXXX. I disputed with the credit bureaus but it came back verified. I couldn't believe it. I filed a FTC identity theft report because I knew someone used my information without my consent. I called the bank that issued this card and they notated my account and said they would mail a fraud package. This was XXXX months ago. This company continues to report this account even after I submitted my identity theft report and all XXXX  bureaus. Because of this account I'm unable to close on my dream house. They are aware of the fraud and yet continue to report it to the credit bureaus. I do not owe the balance their attempting to collect because the charges were unauthorized by me because of the fraud.This is a violation of my consumer rights and is wilful non compliance of the FCRA 605B, FDCPA, and FCBA. I state this record of the improper handling from this company and request an investigation. Last 4 of SSN XXXX
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I received a letter on XX/XX/XXXX stating my check was being rejected because We are unable to accept credit cards. The check itself has a stamp that said received XX/XX/XXXX. I called SLS mortgage company XX/XX/XXXX to inquire since the check I sent was through a debit card through Bill Pay. They told me they couldnt do anything and wouldnt research it further. Additionally, the representative wouldnt transfer me to a supervisor and just dropped my call. The money has already been taken out of my account and Im worried now I will incur collections and be reported for a late payment.
Consumer complaint received 2023-07-19
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 XXXX 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 XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCD Financial, LLC (AR)

Since XXXX XXXX XXXX NCD Financial has been reporting account XXXX onto my credit without any explanation. i first noticed on XXXX of XXXX that I had acquired missed payments on my experian credit report for an account I am not familiar with. I reached out to the Company about possibly being a victim of identity theft and they did an investigation but continues to leave the account open in my name. NCD Financial does not even collect on the reported amount. I have not received any communication from the company by mail, phone or email. I don't know what to do to have this issue resolved, it has prevented me from getting approved for a car. I would like for a fraudulent investigation done on the reported account please.
Consumer complaint received 2023-10-09
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. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

I was called by a wells fargo impersonator on the customer service line XXXX that had claimed that there was fraudulent activity on my debit card. They had impersonated how Wells Fargo handles fraud cases in an extremely convincing manner, stating the exact time and location that the " fraudulent activity '' was occurring, in XXXX florida at a XXXX. The impersonator asked if they can shut down that card and send me a new one, they had sent me a convincing link from XXXX XXXX XXXX to XXXX XXXX XXXX... I thought this was a bit suspicious and called out to the impersonator that I didnt feel comfortable. They had reassured me that they had called from the customer service line, and had read by my information to me ( name, email, mailing address, and even social security number ). I had takenthis as a sign that they were who they said they were and logged in, unknowingly giving the impersonators access to my online banking information. The impersonator then gave me case numbers for the " fraudulent attempts '' at charges on my debit card, and even a mailing tracking number for my new debit card that was to be sent to me.I didnt know it at the time but they had on the phone been able to access a wire transfer of XXXX out of my account, just like that. They then had access to my mother ( co-owner of my account ) and had run the exact same fraud on her, granting them access to send another wire transfer of XXXX out of my account. I just lost my job and was affected by layoffs. Wells fargo is not doing ANYTHING to support me. Please help me, I can not believe this is happening and it feels as though my entire world is about to explode, being down XXXX
Consumer complaint received 2023-06-12
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. (FL)

Upon reviewing my credit report, I have discovered that I have become a victim of identity theft, which is deeply distressing considering I am currently in the process of purchasing a home for my family. This unfortunate situation has had a detrimental effect on me. I kindly and respectfully request that you expeditiously remove these fraudulent accounts from my credit report. Please see attached documents
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I, XXXX XXXX, am a victim of identity theft. I was not aware of, did not initiate, and did not give my consent for the following credit transactions/experiences. 

Account # XXXX XXXX XXXX reported XX/XX/XXXX {$180.00} Account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$21000.00} Account # XXXX XXXX XXXX XXXX reported XX/XX/XXXX original balance {$1500.00} The above listed credit transactions/experiences need to be deleted and blocked from my credit report as it damages my reputation and decreases the opportunities of credit being afforded to me.
Consumer complaint received 2023-07-14
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

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.

has violated my rights. Or list of inquiries 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 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance Owed : {$110.00}.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

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. Under 15 USC 1681 Section 604a Section 2 states that a consumer reporting can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account as late for any purpose.

I have asked that this derogatory error be corrected and removed from my credit file immediately. Failure to do so when show malice intent to continue to violate my rights under the FCRA.
Consumer complaint received 2023-06-13
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion, XXXX, and XXXX XXXX XXXX XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( private ). XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-07-14
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. (MS)

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 Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I signed up for Capital One Savor one credit card and spent the required amount within the required period. I did not receive the {$200.00} promised. Numerous attempts to get the money have failed.