davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (IN)

E xperian wants proof as to why they should no report a something that is medical and below {$500.00}. They told me they verified the {$450.00} with the company and that it is valid which is not the issue. I told them in the dispute that in accordance to new law they can no longer report it. I can not send them prof of he fact that I don't owe them because they won't upload jpg files so the newly law is all I got. And they won't remove it.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

I received a notification from Experian that a hard credit report was inquired by XXXX XXXX on XX/XX/XXXX for a bank credit card. I did not apply for any new credit and believe this was an act of identity theft. I have already spoken with XXXX XXXX who confirmed someone tried opening an account in my name. 

This is the second time in roughly 6 months that I have suspected identity theft. On XX/XX/XXXX, I received a XXXX debit card ( card number XXXX XXXX XXXX XXXX, exp XX/XX/XXXX ) which had been open in my name fraudulently. XXXX was also made aware and cancelled the account.
Consumer complaint received 2023-04-13
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$940000.00}
Consumer complaint received 2019-04-04
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: EQUIFAX, INC. (GA)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX/XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 16 and pages 19 - 22 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-03-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found several accounts that I do not recognize and believe are erroneous. I would like to request your assistance in investigating these accounts and having them removed from my credit report. 

XXXX XXXX Account Number : XXXX I have no recollection of this account and do not believe it belongs to me. Please remove this account from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXXXXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX XXXX  - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXX The inquiries have reached the statute of limitations and should be removed from my credit report. 

I kindly request that you investigate these accounts and remove them from my credit report if they are found to be erroneous. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
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. (MI)

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 Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-03-29
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: EQUIFAX, INC. (OH)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-29
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-29
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. (GA)

This is my sixth 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 items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} 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 2023-03-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-03-29
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. (UT)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-05
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC (KY)

After credit denial from application on XX/XX/2023, I emailed Westlake Financial to have them return my original application or release access to my credit with mention of the Equal Credit Opportunity. The email response was that they " Disagree with my interpretation of the statue ''. Next, I emailed them back ( Title VII Equal Credit Opportunity 502 findings and purpose, Title VII Equal Credit Opportunity 702 definitions ( d ), ( e ), and ( f ), also 15 USC 1602 definitions and rules of construction ( g ), and ( l ), also The Federal Reserve Act Section 16 Note issues- 1. and 2., also The Federal Reserve Act Section 1 short title and definitions- 1., 2., and 3., I emailed them a Notice of Claim to Interest as the Agent for the Principal. They responded only that my ticket had been closed. Then, on XX/XX/2023 I sent a Certified mailing ( return receipt ) to one XXXX XXXX, CFO Westlake Finacial with the same Notice as " Default Judgement for Nonperformance '' along with a copy of the original application and copies of all the emails mentioned. As of XX/XX/2023 @ XXXX XXXX I have yet to receive a response.
Consumer complaint received 2023-03-28
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. (CO)

XXXX XXXX XXXX and XXXX XXXX claim I took an ambulance ride in XXXX. I have tried to request records multiple times and proof that it was me and have never had a response from either company. I have left several voicemails, disputed it multiple times with Transunion, most recently in XX/XX/XXXX and XX/XX/XXXX, specifically demanding that they provide documentation that it was me, such as a signed statement, a copy of my ID, or any physical proof that it was me that took the ambulance, while providing the attached FTC ID theft report. I had a similar bill from XXXX XXXX from the same night, assuming that the ambulance was dropped there, however, I can not get any records from XXXX ambulance or XXXX XXXXXXXX XXXX but they keep " verifying debt is accurate '' in my disputes to Transunion and will not provide any actual proof or documentation of the incident as demanded. The debt from XXXX XXXX was dismissed and removed because they did not have any copy of ID or valid proof that I received the treatment, however despite XXXX XXXXXXXX XXXX not providing the demanded information in the attached most recent letter, Transunion continues to allow it to be falsely reported despite multiple disputes in regards to ID theft. 

XXXX XXXXXXXX XXXX has never contacted me, has no authorization to report this to credit bureaus, has failed to respond to multiple inquiries and messages left for them for follow up, has not provided accurate proof in multiple disputes covering multiple years. Both them and Transunion should be penalized for there absolute disregard to the law and Fair Credit Reporting Act Section 609 ( e ) relating to Identity Theft. I have provided my FTC filing for Identity Theft Report and they have still failed to properly furnish information required by law or respond appropriately by the laws and rights given to me and Transunion has failed to remove it in accordance with the law and lack of verifiable information regarding the transaction. This must be removed from my credit report immediately.
Consumer complaint received 2023-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2024-09-04
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (FL)

{$1600.00} to XXXX XXXX XXXX account starting XX/XX/year>. The charges were not authorized because I had called on XX/XX/year> to requested a new card to be send home when the new card had not arrive to my home there were already charges on : XX/XX/year> for {$420.00} Not authorized by me XX/XX/XXXX, XXXX for {$410.00} Not authorized by me XX/XX/year> for {$3.00} Not authorized by me XX/XX/year> for {$420.00} Not authorized by me When I had called regard the charges above, the department had helped credited back to my account, therefore, I have not thought about the card and had not use the card since then. Until XXXX of 2023 statement came home with charges that I did not authorized again on : XX/XX/year> for {$210.00} Not authorized by me XX/XX/year> for {$420.00} Not authorized by me XX/XX/year> for {$420.00} Not authorized by me XX/XX/year> for {$410.00} Not authorized by me XX/XX/year> for {$3.00} Not authorized by me The new card that was send to me since XXXX I have not use it not even once or anyone else that I know were authroize for any transactions above in the month of XX/XX/year>. When I had receive the statement back in XX/XX/year>, I had called like I did back in XX/XX/year> regarding these fraud charges and was told by one of the representative agents from the department for the letter to dispute the charges to be sending home. Since XXXX till now I had called numberous times stating that I have not receive the letter. Weeks went by and I was calling again then was told to continue to wait for another week for the letter until I called again this morning on XX/XX/year> to write this letter of appeal for the charges. I am requesting the error be corrected, that any finance or other chages related to the disputed amount be credited to my account. Please correct the error on my account promptly also I would like to thank you for taking the time and help me look into this matter.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/2022 my funds were removed out of my bank account. I filed a complaint and they refused to help me and said it was following the law and they must transfer my funds it was court order by the collection company during the stimulus relief package I received my funds and my child tax credit and the bank removed my funds and caused XXXX  XXXX. Recently I received a letter in the mail my account was in the negative and I disputed the charges and informed the bank of the error that caused me severe hardship with my XXXX children and sick mother. Furthermore, by law the funds are exempt from garnishment and offset even with a court order since it was federal advanced funds that was funding to help the economy during covid 19.
Consumer complaint received 2023-03-29
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NH)

I received a credit card from Wells Fargo I never applied for around XX/XX/XXXX. Today XX/XX/XXXX I received a letter stating a transfer for {$9100.00} was sent to XXXX XXXX XXXX XXXX XXXX. I also shouldnt have a XXXX XXXX XXXX account. I called Wells Fargo and spoke to XXXX in the fraud department alerting them to the situation.