davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (TX)

I submitted a dispute to the credit bureaus challenging incorrect accounts on my credit reports. They not complete their investigation in 30 days and I have not received the results of their investigation. The incorrect accounts are still reporting on my credit report and nothing has been done to correct the issue.
Consumer complaint received 2023-09-20
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. (WI)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-04-22
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. (IL)

To whom it may concern, I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and 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.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. XXXX XXXX XXXX  Account # XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-22
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. (IL)

Whom it may concern, I, XXXX XXXX, never gave ( Experian ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. I have not given you permission to access my credit profile and 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. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-04-19
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. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
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. (IL)

To whom it may concern, I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and 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.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX Account:XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/XXXX, my husband and I contracting XXXX Today for flooring and made a {$250.00} deposit at that time we financed {$750.00} in my ex-husbands name with their in house financing company ( Wells Fargo Bank ). On XX/XX/XXXX it was installed. I paid off the balance using my funds from my bank in a couple of months in that same year. 

On XX/XX/XXXX, I received an invoice that the purchased was not paid. I called and they said that my ex-husband disputed the charge and they sent him the money directly to him. Now XXXX XXXX is billing me for something that was paid. They told me that on XX/XX/XXXX my ex-husband got the funds. Wells Fargo made this error without even investigating that it was paid in full! The Wells Fargo account is in his name only, but I made all the payments not my ex-husband. XXXX said that Wells Fargo took the money back that i paid for in XXXX. 

I am being forced to pay for something I paid for and being threaten to send me to collections. 
Please help me with this case. I will only pay for what I am supposed to, not for their errors. 
XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-22
Product: Credit reporting 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 and Fair Credit Billing Act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC Right to Privacy 6801 ( 1 ) In general. ( c ) subject to any provision of law, rule or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. 15 USC 1601 ( a ) Credit Billing and Credit Card Practices ; 15 USC 1681, and 602 ( a ) ( 4 ) States there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 USC 1681a ( 2 ) ( A ) ( i ) States report containing information solely as to transactions or experiences between the consumer and the person making the report ; must be excluded. 15 USC 1681 604 ( a ) ( 2 ) States information about consumer can only be shared In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681c ( a ) ( 5 ) States that no information and/or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years can be shared without expressed permission of consumer. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) States that 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. I XXXX XXXX formally hereby declare that I have not given my permission written and/or verbally, knowingly and/or willingly, expressed and/or implied, to any individual person, banking entity, business, company, creditor, credit reporting bureau, and/or any of its representatives, to share my transaction history, experiences, or any type of personal information. If I have unknowingly given my permission because I was not legally and properly informed by said individual person, banking entity, business, company, creditor, credit reporting bureau, and/or any of its representatives that my personal transaction experiences history and/or information would be shared, I hereby revoke any such permission in its entirety. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-22
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. (IL)

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. 
XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 


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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MA)

Here 's a tailored dispute letter based on the provided information : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] RE : Dispute of Collection Account [ Account Number XXXX ] Dear [ Credit Bureau Name ], I am writing to formally dispute the collection account referenced above, which is reported on my credit report. This account contains inaccurate information that needs to be addressed promptly. 

XXXX. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the original creditor for this account.

2. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt. Specifically, I need a detailed breakdown of how the {$930.00} balance was calculated. This request is strictly for the validation of the amount of the alleged debt under 15 USC 1692g ( a ) ( 1 ).

3. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported. This should include the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description must be provided within 15 days of receiving this request.

Here are the specifics of the disputed information : Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$930.00} No. of Months ( terms ) : XXXX High Credit : {$0.00} Credit Limit : {$1500.00} Past Due : {$930.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account was in dispute - now resolved - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Please find enclosed copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question Any previous correspondence regarding this matter I request that you conduct a thorough investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your immediate response.
Consumer complaint received 2023-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been disputing a debt from XXXX XXXX represent by XXXX collections now for over a year, I never received notice of debit or was giving the opportunity to dispute this debit. I have called XXXX XXXX and had my insurance provider XXXX XXXX XXXX XXXX reach out to because any charges would have been covered by my insurance, but no one has produced a bill or documents, showing I had or authorized treatment. I have made these request through dispute resolution through the credit bureaus and well as XXXX yet nothing has been done about the lack of compliance with federal law.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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. 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then 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 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My card was compromised. I had submitted the claim with Bank Of America and they said they did their due diligence however I was not compensated and my claim was denied. This is now my 4th time my card has been compromised and no outcome was given to me.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXX XXXX XXXX, which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. 

Details of the disputed account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXX or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. 

Please provide the following information : A copy of the original signed agreement or contract. 
A detailed account statement showing all charges, payments, and adjustments. 
Proof of the assignment or sale of this debt, if applicable. 
Any other relevant documentation that can validate this debt. 
If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. 

I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. 

Thank you for your cooperation. 

Sincerely,