davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Credit reporting 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)

I have contacted all three major credit reporting agencies and informed them of their criminal activity. All operators are unfortunately highly under traded on the subject. XXXX, Experian and XXXX are breaking law 18 USC 1028. I never authorized any negative reports to be recorded on my report. A SSA-89 must be signed by me to give authorization and I am fully aware that never happened. This is only one of many laws these corrupt organizations are breaking.
Consumer complaint received 2023-10-21
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. (AL)

XX/XX/2023 I sent a letter to the XXXX house asking do they report bankruptcies to the credit bureaus and I got a letter stating. They do not report any bankruptcies to anybody : So if thats the case How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 15 USC1681 section 603 ( 3x ) states investigative consumer report means a consumer report or portion therefore which information on a consumers character general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor the consumer or from the consumer. They also violated my rights numerous times the credit bureaus violated my rights under 15 USC 1681. 
According to 15 U.S.C 1681 section 602 A States I have the rights to privacy. According to 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. According to : 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 the information is inaccurate.
Consumer complaint received 2023-11-13
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. (FL)

XXXX The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 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 2023-11-13
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my numerous request 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-05-17
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] SINCERILY XXXX XXXX
Consumer complaint received 2023-10-20
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)

I have written several letters and given affidavits to the credit bureaus along with each to this company listed with police reports, and letters and reported them to other related organizations, Matters are still not resolved it has been two years with evidence of these alleged debts and violations! 15 USC 1692g Validation of Debt. I will report this company along with the credit bureaus to the attorney general office.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (OH)

I had a fraud case with a company called XXXX an e-commerce platform after I asked discover to block all transactions ( about a year ago ) Then i suddenly get a charge of $ XXXX {$5000.00} more than my credit limit. 

I reached out and they gave me a temporary credit and even issues a partial refund in the amount of XXXX, but then they came back and said it wasnt fraud ( even though I had no access to that website )
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

REGARDING ACCOUNT LISTED BELOW THAT DOES NOT BELONG TO ME ON MY REPORT. 
I am requesting you to validate the debt on this account. Please send me my original signature of account and anything that identifies that I applied for this account and all payments made and how they were made if it was online and or a check and copies of checks within 30 days. Or delete this account I have the right to validate this by FCRA law. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCT # ORIGIAL CREDITOR XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2023. 
CHARGE OFF COLLECTION {$3400.00} BEST REGARDS, XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/1973 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( XXXX ) with ( XXXX XXXX ) was deleted from my credit report. 
I have now realized that this same item was reinserted onto my credit report! 
In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) Is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such Notification, this is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA I demand that you immediately Delete this account from my credit report in order to avoid legal action. 

Sincerely XXXX, XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (WA)

XXXX is showing that I owe {$240.00} to Elan Financial, causing the credit rating to drop XXXX points. 
I filed a dispute, and my credit score went back to normal, only to fall back down XXXX points again when Elan Financial reported the original information as correct. 

On XXXX, the account was paid in FULL. ( {$240.00} ) On XXXX Elan Financial reported that I was in debt for {$240.00} I took a XXXX pint hit I filed a dispute with both XXXX and BBB On XXXX I was notified by the XXXX that Elan Financial would respond in writing, On XXXX XXXX updated my report XXXX pint increase. The {$240.00} was taken off my report. 
On XXXX XXXX updated my report showed a XXXX point decrease, and the {$240.00} owed was back on my report. 
On XXXX I filed another dispute with XXXX over the phone, and have to mail my evidence that it was paid. 
As of XXXX I have not received a response from Elan Financial.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

On my Experian credit report Experian added a personal statement from me which is Fraud and the personal statement reads do not extend credit to me and to verify any personal details about myself with this phone number XXXX for XXXX years starting XX/XX/XXXX I no longer have that number XXXX and have filed XXXX disputes online. By mail and over the phone Experian who added personal statement refuses to update my phone number and remove the personal statement that I did not make. The personal statement has caused undue hardship poverty and exorbitant fees on myself and my children The personal statement by law should only be on and on my credit report for XXXX years legally Experian has extended this period to include XXXX mores years in total of 7 years ending XX/XX/XXXX I am unable to get a home loan, school loan and auto loan and a home rental because of this personal statement produced by Experian and added XXXX out my permission with an incorrect phone number and they will not remove this statement nor will they update it with the correct phone number which has affected my livelihood I have had repossessions paid exorbitant rates its like I am bankrupt XXXX a XXXX XXXX of XXXX Experian is the only XXXX one who can add a personal statement or remove a personal statement I have begged pleaded filled out disputes and no one will help me change this information and has caused significant hardship in my life mentally and financially and totally time consuming and nothing changes on my credit report Today I was denied for XXXX XXXX and XXXX XXXX cards which I would have been approved had it not been for this personal statement because the company has to call the wrong number to verify my identity added to my file by Experian Thanks Experian Experian has changed my PIN number passcode XX/XX/XXXX as well this is an Experian insider and I have suffered over a XXXX XXXX dollars in damages
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/2023 US Bank force closed my account due to a check, that I did not deposit, being returned to them. I had a balance of {$1000.00} in my account the day they closed it. There is still a positive balance of {$1000.00} in said account but the bank will not release my funds to me unless I verify a deposit I made for {$1800.00}. I no.longer have access to my online banking to view any deposits made into my account and the bank refuses to give me any copies.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I was online goin though my consumer report as I was handling all my responsibilities and I noticed that I had some accounts that's on my report that is reporting incorrect and by the reporting agencies reporting this information it is hurting my ability to obtain credit and respectful move on from this situation 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
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute a certain account that has been reported across the 3 bureaus on my credit report which I believe to be inaccurate. I have never missed a payment, and all my accounts are current and in good standing. I have been a responsible borrower and have always made timely payments on all my debts. 

The delinquent account listed below is not accurate : XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Hello, my name is XXXX XXXX and I am a wells fargo customer. So i reported my credit cart lost and requested a new one, but after that i saw transactions on my statements that were not made by me I contacted with stores and also with bank but they were not care at all and never helped me. After that they told me that I am responsible for those charges. I live in LA but the charges I saw on my online banking were not in LA or near. Complitely different city and zip code and I never been in that area or around. And also the bank never send me a new card. 


XXXX XXXX XXXX Thank you very much
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

This letter is sent to your company in regards to the fraudulent accounts that I have found on my credit report after a thorough review. In my previous letter via mail I have asked your company to initiate a thorough investigation to validate the accuracy and completeness of the information on my credit report. This has been well my numerous attempt and yet you have failed to provide me with the resolution. As you know, your failure to investigate and delete this information has caused me so much inconvenience and hardships. -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-10-20
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: PENTAGON FEDERAL CREDIT UNION (NJ)

I have made multiple attempts to rectify this issue directly with Pen Fed, and have received no satisfactory resolution. I kindly request the following actions to be taken, investigate the inaccurate charge-off listing, transactions and experiences on my consumer report, considering the violation of IRS income exclusion regulation. Pursuant 15 USC 1681 furnishers of information must provide accurate and complete information ; Income does not get reported on consumer report according to the IRS, they filed a 1099C, cancellation of debt and income is excluded from the consumer report, so this account is inaccurate.
Consumer complaint received 2023-10-20
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. (FL)

It's been over XXXX  days since i sent the letters to the credit burau I waited more then XXXX days i have not receive anything from them when i check my credit report the errors are still in there inconsistency. XXXX XXXX XXXX # XXXX has been removed from Equifax and XXXX but still show on XXXX. XXXX XXXX XXXX XXXX XXXX