davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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. (TN)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I notice that my credit report had several errors reporting to my credit report on all 3 bueraus so i reached out to each one on XXXX XXXX with some certifed letter requesting the information to be removed and letters to be sent out to me with proof that i open these accounts with my signatures and only XXXX complied and deleted all the accounts that were listing closed with balance.I also requested the same to be done by the XXXX  and experian and they both have yet sent over the requested documents showing anything of sort as of XX/XX/XXXX and all the following accounts are still reporting negative to my credit reports.The following accounts are as follows : XXXX XXXX XXXX XXXX reported XXXX XXXX with a bal of XXXX, XXXX XXXX XXXX XXXX with a bal of XXXX, XXXX XXXX XXXX with a bal of XXXX, XXXX  department store reported XXXX XXXX with a bal of XXXX, XXXX XXXX reported XX/XX/XXXX, XXXX with a balance of XXXX, XXXX XX/XX/XXXX with a bal of XXXX, XXXX XXXX on XXXX XXXX and bal reported XXXX, XXXX XXXX reported XX/XX/XXXX bal is showing XXXX, continental reported on XXXX XXXX and reporting XXXX XXXX The bank of missouri XXXX last reported on XXXX XXXX XXXX XXXX XXXX opportunity financial last reported XXXX XXXX bal XXXXPlease remove all negative information due to it inaccurate information.
Consumer complaint received 2023-04-07
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (CA)

I received an email from my bank ( Wells Fargo ) telling me that I would be receiving a new credit card because my card " may be at risk for unauthorized transactions. '' I called to ask what caused the bank to take this action. Someone at the Wells Fargo Fraud Department told me that there had been a financial data breach at one of the merchants I had done business with. I asked for the name of the business, but was told that " XXXX does n't supply that information to us. '' He said that after the whole XXXX episode they do not disclose company names. How is this legal? Do n't I have a right to know who made my financial information vulnerable? 
Now I have to contact all the companies where I have automatic deductions to update my financial information. It would seem that XXXX, and possibly Wells Fargo, is n't interested in protecting consumers as much as it is in protecting the shoddy security of unnamed corporations.
Consumer complaint received 2023-07-05
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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 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 2023-07-03
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. (AZ)

XX/XX/2023 TO WHOM IT MAY CONCERN, ( CREDIT AGENCIES ) I have repeatedly ask if you'll would remove ALL those negative remarks as well of the accounts. I do not owe off my credit report. After repeatedly asking you'll to remove those reporting off my BENEFICARY ) credit. because there is and has been information that is on my ( BENEFICARY ) consumer report that is a result of identity theft. I did not provide permission to be reported starting back when I ( beneficiary ) was XXXX old to this day nor has I ever given permission to ANY/NO CREDIT REPORTING AGENCY permission or instruction verbal nor in writing for the identified transaction to be reported on my ( BENEFICIARY ) CONSUMER REPORT. No one never told me ( BENEFICIARY ), I could opt-out because I have right to privacy. I am also requesting this information that is due to identity theft be block within 4 days being made on the basis of material misrepresentation of fact by me ( BENEFICIARY ) relevant to the request to block the identified transaction. The identified transaction ( s ) are not information related to my transaction by me ( BENEFICIARY ) AS THE CONSUMER. And the law says section 18 U.S. Code 1681.c.-2- 18 U.S. C1028 ( d ) ( 3 ) 15-UC 16 81-C2 FCRA SSA -89 Form I appreciate you'll handling this matter in the time stated. Respectfully, XXXX : XXXX XXXX BENEFICARY UCC 1-3081ITHOUT PREJUDICE XXXX RESERVE ALL MY RIGHTS I DO NOT CONSENT TO ANY HIDDEN OR REVISED CONTRACT ( S ) OR COMERICAL AGREEMENT.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

I recently looked at my credit report ( XXXX, Experian and Experian ) and it indicates that I was XXXX days late on my XXXX University loans in XX/XX/XXXX / XXXX 2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (MD)

I purchased a XXXX  XXXX XXXX from XXXX on XX/XX/XXXX. The pick up was delayed because the car failed inspection due to the rotors. Once I picked it up, the car was not cleaned. Since having it, I've visited the shop 5 times since. The list of issues include : turbocharger, valve cover, spark plugs, coil packs, air filter, fuel system service, water pump, water outlet, and oil pan. Currently the car has lost all engine power, smokes heavily, and is un-drivable. The warranty company, XXXX, the repair shops, Bridgecrest, and XXXX are giving me the run around and refuse to fix the vehicle. XXXX then told me I would have to pay them $ XXXX to sell the vehicle back to them. They claimed they thoroughly inspected the vehicle however the items that are wrong with the vehicle are notated on the inspection report as passed. This information is obviously false. Since having purchasing it, the situation has caused me to miss work and the vehicle left me stranded on the side of the interstate. I would like to see justice in my situation as well as the countless other horror stories I've read about since experiencing my own. I want to give the car back and get out of the loan contract because they sold me a lemon. Please assist.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MO)

Experian has a Dismissed Bankruptcy on my credit report, which is a violation of XXXX XXXX XXXX : XXXX ( a ) ( XXXX ). This needs to be removed. FCRA only allows the reporting of Bankruptcies from the date of entry of the order for relief or date of adjudication. There is no provision for reporting of dismissed bankruptcies. Case : # XXXX
Consumer complaint received 2024-09-08
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)

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 U.S.C. 1681 XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX ACCOUNT # 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, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C. 1681c. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINTING ANY OF THE FOLLOWING ITEMS OF INFORMATION, ANY OTHER THAN RECORDS OF CONVICTINS AND CRIMES WHICH ANTEDATES THE REPORT BY 7 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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE TO ALL ACCOUNTS.. 

ALL THREE CREDIT BUREAUS ARE COMMITTING FRAUD BY USING AND SHARING MY INFORMATION WITHOUT MY PERMISSION AND WITHOUT MY WRITTEN PERMISSION .. BY LAW.. 

XXXX XXXX FORM SELLING SECURITIES THEY DID NOT GET MY PERMISSION TO PULL MY SOCIAL SECURITY ALL THREE CREDIT BUREAUS COMMITTING SECURITIES FRAUD THEY DIDNOT GET MY PERMISSION TO USE MY SOCIAL SECURITY. IF THEY DID WHERE IS THE FORM TO PROVE I GAVE THEM PERMISSION!!
Consumer complaint received 2023-07-03
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: JPMORGAN CHASE & CO. (FL)

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 2024-09-08
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. (FL)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX TRANSUNION Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( XXXX U.S.C XXXX XXXX ) and the Truth in Lending Act ( XXXX XXXX. XXXX ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g., Bank XXXX XXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( TransUnion, XXXX, and XXXX ) : TransUnion : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' XXXX : XXXX reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

XXXX : XXXX reported balance : $ XXXX balance owed : $ XXXX status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to XXXX, the account was closed due to inactivity, while XXXX indicates it was reported as a loss by the creditor. Furthermore, TransUnion provides different information about the high balance. This inconsistency violates the FCRA ( XXXX XXXX. XXXX ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information. 

Additionally, under the Truth in Lending Act ( XXXX XXXX. XXXX ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and XXXX, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference.
Consumer complaint received 2023-07-03
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. (AZ)

XX/XX/2023 TO WHOM IT MAY CONCERN, ( CREDIT AGENCIES ) I have repeatedly ask if you'll would remove ALL those negative remarks as well of the accounts.I do not owe off my credit report. After repeatedly asking you'll to remove those reporting off m BENEFICARY ) credit. because there is and has been information that is on my ( BENEFICARY ) consumer report that is a result of identity theft. I did not provide permission to be reported starting back when I ( beneficiary ) was XXXX old to this day nor has I ever given permission to ANY/NO CREDIT REPORTING AGENCY permission or instruction verbal nor in writing for the identified transaction to be reported on my ( BENEFICIARY ) CONSUMER REPORT. 

No one never told I was never told, I could opp-out because I have the right to privacy where and why XXXX points was taken from me the BENEFICARY ). So, I am also requestting those XXXX points and any other points that was taken from me, be put back on my ( BENEFICIARY ) consumer report. I am also requesting this information that is due to identity theft be block being made on the basis of material misrepresentation of fact by me ( BENEFICIARY ) relevant to the request tp blocl the identified transaction. The identified transaction ( s ) are not information related to my transaction by me ( BENEFICIARY ) AS THE CONSUMER.

And the law says sction 18 U.S. Code 1681.c.-2- 18 U.S. C1028 ( d ) ( 3 ) 15-UC 16 81-C2 FCRA SSA -89 Form I appreciate you'll handling this matter in the time stated. 

Respectfully, XXXX : XXXX XXXX BENEFICARY UCC 1-3081ITHOUT PREJUDICE I RESERVE ALL MY RIGHTS I DO NOT CONSENT TO ANY HIDDEN OR REVISED CONTRACT ( S ) OR COMERICAL AGREEMENT.
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IL)

I am writing to file a Complaint that the following information that Experian XXXX and XXXX have on my credit report1 ) XXXX has re added this account back to my credit report XXXX XXXX XXXX XXXX XXXX, XXXX Showing that it was past due for 30 Days only once back in XX/XX/XXXX and no payment history after that - this account is showing as a positive account on my Experian and XXXX account -- I HAVE TALKED TO XXXX ON GETTING THIS DELETED AND RESOLVED IN THE PAST AND IT WAS DELETED ANDKNOW IS BACK AGAIN ON MY XXXX REPORT ONLY ... 
2 ) XXXX Experian XXXX XXXX Credit Card charge off account - settled in fullBack in XX/XX/XXXX during the purchasing of my house there was a Charge off Account on my credit report from XXXX XXXX Account Ending in XXXX that was settledMy Broker from XXXX XXXX / XXXX XXXX and me XXXX XXXX - to see whether it was settle or not- we did - and they even got a hold of XXXX XXXX - and they ( XXXX XXXX ) stated that I had satisfied the debt - XXXX representative stated that he would consider making a goodwill adjustment to the credit reporting bureaus on our closed accounts and agreed to have this charge of deleted of my Credit Report as well as inform the other XXXX major Credit REPORTING AGENCIES TO REMOVED THIS CHARGE OFF - XXXX -Did there part however is still showing on my Credit report from XXXX and Experian3 ) XXXX XXXX Experian I 'm distressed that the XXXX major Credit burrow have included the below information in my credit profile as derogatoryXXXX XXXX XXXX XXXX -This item is inaccurate because for one me and my Brother went to XXXX XXXX back and opened an account WITH THE BANK So that the mortgage payment can be taken out automatically. They never send me out monthly statements - and when I received the phone call that the Payment was missed I advised the representative about my auto pay - she said she dint know what had happened and assured me that this was not going to affect my credit. I dont understand why there is a derogatory mark again for XXXX of XXXX on my Experian, XXXX ... but nothing on my XXXX -- - I 'm beyond XXXX ) XXXX - XXXX Experian -XXXX XXXX Card ending in XXXX When I pulled my credit report, and discovered that a late payment was reported on XXXX And XXXX of XXXX that time, I Was going through a financial Hardship - I had spoken to XXXX XXXX -- and they placed me on hardship plan - I was advised that this was not going to affect my credit report - which it did - they advised me to contact and dispute the information with the XXXX major Credit Burrows XXXX Witch I Did -I realize I made a mistake in falling behind, but up until that point, my payment history with them had been spotless. When I was able to get back on my feet, I quickly resumed paying my Bills and you can see that - let me reinstate - XXXX XXXX Assured me that this was not going to affect my credit.
Consumer complaint received 2016-09-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo had opened and activated a credit card, attached it to XXXX checking account as overdraft protection, and issued XXXX cash advances along with transfer fees, overdraft fees, and of course interest. I had made XXXX transfer of funds from one account to another where I pay my bills. These XXXX different transfers were backed out and cash advances were then issued on a credit card that was attached to my account without my knowledge or permission. I still receive paper bills for any credit cards I have and when I received the Wells Fargo credit card bill, I thought I was a victim of ID fraud. I called the credit card group and they made me feel that I was breaking the law. Little did I know they were trying to steal my money! This occurred within the last 90 days.