davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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)

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2022-12-06
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: PENTAGON FEDERAL CREDIT UNION (IL)

I have hard credit inquiries that I reported to the credit bureau XXXX phone number XXXX I told them it was fraud and they can not remove it unless I have a report the the inquiries that are fraudulent and this report is XXXX XXXX XX/XX/XXXX the next one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX the inquiry happen on XXXX again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX The inquiry was on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX, FL XXXX and the date is XX/XX/XXXX The next report is XXXX The inquiry is XXXX XXXX XXXX and it was its XXXX XXXX XXXX, XXXX, TX XXXX their phone number is XXXX and this inquiry happen on XX/XX/XXXX The next inquiry is XXXX the address XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX and the phone number is XXXX and this inquiry was on XX/XX/XXXX The next inquiry is Pentagon Federal credit Union address XXXX XXXX XXXX XXXX XXXX VA XXXX telephone number XXXX the inquiry was XX/XX/XXXX The next inquiry is XXXX Call the address is XXXX XXXX XXXX, XXXX DE XXXX the phone number XXXX XXXX and the inquiry was XX/XX/XXXX The nest inquiry is XXXX XXXX XXXX XXXX XXXX probably means Florida address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX phone number available inquiry XX/XX/XXXX Next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX no phone number available inquiry happen on XX/XX/XXXX And XXXX XXXX credit report the following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX phone number XXXX the inquiry happened on XXXX/XXXX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX phone number XXXX inquiry was on XX/XX/XXXX The next inquiry is credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX phone number XXXX the inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX phone number XXXX Inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX phone number XXXX inquiry have XX/XX/XXXX The last inquiry is XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX phone number XXXX and this happened on XXXX XXXX If you have any questions my name is XXXX XXXX and my phone number is XXXX My email address is XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please send me a copy of the report
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-06
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)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentialty under 15 USC 1681. 

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 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 Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 section 604 A. 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 : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

15 USC 1681S-2 ( A ) ( 1 ) : A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-12-06
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. (MO)

I have attempted to reach a human to no avail. The current status of my FICO score is not correct. It falsely claims that I am delinquent but I have made all of my payments on time. And there is nothing on my credit report from them indicating there is a problem, so it's just them tampering with the FICO score with nothing in the report to back it up. The same thing has happened with my wife. 

This is the timeline of events : o Experian pulled my information on XX/XX/ reporting a score of XXXX 
o In XXXX XXXX XXXX, we began our child in a school that uses XXXX XXXX ( a XXXX product ) for aftercare and lunch charges. 
o We occasionally use this service that perpetually states that we are late despite my paying the school twice per month and the school stating that we have never been derelict. 
o We owe no other entity anything for any reason beyond our timely paid credit cards. 
o XXXX Experian reports that my score fell to XXXX due to Too few accounts currently paid as agreed and Lack of recent installment loan information. This same false information is in my wifes report as well. 
o Ive spoken to the school who has reiterated that I have never missed a payment. 
o I pulled my Experian Annual Report on XXXX  and there were no negative statements against me. A completely clean report that lacked the FICO score, so just checking my report would not have indicated there was a problem. I only know because my credit card informs me of the score in my bill. So we are at a loss as to why this group has damaged our FICO scores.
Consumer complaint received 2022-12-06
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. (IL)

I want to report some hard inquiries that are not mind the frog I called the credit bureaus and they told me that I needed to get a report done and so Im doing that right now Experian is the first one XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX no phone and inquiry happen XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX FL XXXX no phone number available inquiry was XX/XX/XXXX The next one is a XXXX Inquiry is XXXX the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number is XXXX Im not sure if I previously reported these so Im gon na letting you know ahead of time  XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX this inquiry was on XX/XX/XXXX Next one is XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX telephone XXXX XXXX next one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX XXXX phone number XXXX inquiry XX/XX/XXXX The next one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX number XXXX inquiry XXXX XXXX
Consumer complaint received 2022-12-06
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-04
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. (NV)

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Consumer complaint received 2022-12-06
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)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # XXXX, XXXX  XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known, or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2024-09-26
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. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-12-06
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. (NY)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$21000.00}, and XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NJ)

I requested a Pre-qualification From XXXX XXXX XXXX XXXX XXXX never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from 3 credit companies Experian, XXXX, XXXX. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because XXXX XXXXXXXX is one of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( XXXX XXXX XXXX XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

A friend on XXXX, XXXX XXXX, was hacked. They were rehoming their dog and asked for a fee, which isn't uncommon. We had XXXX XXXX where " he '' showed us the puppies. The connection was bad and the video dropped. He texted that his connection was bad and that we can send {$100.00} through Zelle. We agreed and used Zelle through XXXX XXXX XXXX XXXX. The name on the Zelle was XXXX XXXX and was given the email address XXXX and was paid {$100.00} on XX/XX/2022 at XXXX. The person had given us XXXX 's address and was okay for us to meet there. When he arrived XXXX was completely unaware of what happened. The inside of his house did not look like the house in the photos or video chat. It was then we knew that someone hacked his account and pretended to be him. I have called XXXX XXXX but could not help me at all. I have sent the report to Zelle as well in regards to this. Had I understood fully that Zelle XXXX in this aspecr, I would have never used it as I am unable to recover my money, despite the proof that I have be scammed under the guise of someone pretending to be someone we knew. They have since blocked my husband and I on XXXX XXXX.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I requested a Pre-qualification From Capital One Auto Finance I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from XXXX credit companies XXXX, XXXX, XXXX. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because capital one is XXXX of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( Capital One Auto Finance ). 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery and associates has been illegally reporting multiple inaccurate misleading incomplete unverifiable accounts on my XXXX XXXX XXXX 

After sending portfolio recovery and associates a cease and desist letter because the company could not fully and completely verify an account under the name XXXX XXXX original creditor. 

I have no knowledge of this account. And portfolio recovery and associates has not able to send me any documentations with my original signature our statements proven that this account actually belongs to me. A violation of federal law
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I hired XXXX XXXX XXXX to create my website and app called XXXX XXXX. Through Chase Bank I sent two payments over {$8000.00} to this company. When my first payment XX/XX/XXXX was sent via XXXX to XXXX XXXX XXXX the payment was processed under the name XXXX. When the second payment XX/XX/XXXX was made XXXX XXXX XXXX then changed their name to XXXX XXXX and the payment was processed to XXXX. Their phone numbers changed several times. The XXXX XXXX XXXX was supposed to be available for download before XX/XX/XXXX and three months of marketing was supposed to be included prior to app launch ( XXXX ). In addition the matching website wasn't completed to onboard the contractors in order for them to work which would have needed to be up and running before XX/XX/XXXX. 
When I spoke with XXXX XXXX XXXX about my concerns that it was eight months and I still don't have a live website or app I was told that the person who works their and signed a document stating they would deliver my app, website with three month of marketing prior to app launch. The person no longer works there and he signed the document and they're not obligated to do anything. I reported the wire fraud to Chase bank. Ultimately, when I spoke with Chase bank in XX/XX/XXXX they didn't help they told me to deal with the merchant.