davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
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. (CA)

My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed an account I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Also, I found fraudulent addresses, fraudulent inquiries, fraudulent phone numbers and inaccurate names. Please remove fraudulent addresses, fraudulent inquiries, fraudulent phone numbers, and inaccurate names from my credit report. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FRAUDULENT PERSONAL LOANS! 
XXXX  XXXX Balance : {$370.00} Balance updated : XXXX XXXX, XXXX Original balance : {$350.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Unsecured FROUDULENT ACCOUNTS! 
XXXX XXXX Balance : {$1900.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$1900.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Charge Card XXXX  XXXX Balance : {$1200.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$1300.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Credit card XXXX  Balance : {$2700.00} Balance XXXX : XXXX XXXX, XXXX Credit limit : {$2200.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Credit card XXXX Balance : {$930.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$900.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Charge Card XXXX XXXX Balance : {$1800.00} Balance updated : XXXX XXXX, XXXX Credit XXXX : {$2200.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Charge Card FROUDULENT ADRESSES! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS! 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX FRAUDULENT NAMES! 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is out of Compliance. 

I have never lived at XXXX XXXX XXXX XXXX XXXX. 

According to 15 U.S.C. 1681e, this collection agency has not provided documentation as to how my information was obtain.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ; Validation and Verification. 

The account number is XXXX XXXX XXXX XXXX does not have a license to place collections in Georgia XXXX according to NMLS Consumer Database . Please delete this collection from my credit report.
Consumer complaint received 2023-07-18
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: Nelnet, Inc. (CA)

I sent a certified and notarized letter that was received by Great Lakes on Monday, XX/XX/2023. I am writing my final time to express my concern regarding the unauthorized reporting of my personal information on my consumer report. As a consumer, I am protected under 15 USC 1681a ( 4 ), which grants me the right to privacy. This implies that my nonpublic personal information should remain confidential per 15 USC 1681 ( b ). The unauthorized reporting of my information has violated my rights. I am deeply concerned that my nonpublic personal information has been reported to consumer reporting agencies, especially given the numerous data breaches these agencies have experienced. This is not only an inconvenience but also a violation of 15 USC 6801 ( b ) ( 3 ). Regrettably, I was not provided with these disclosures, nor was I given the opportunity to opt out of having my information reported. I am now exercising my right, as a federally protected consumer, to opt out of having this information reported. I insist on immediate action to rectify this situation. Failure to comply with these federal laws will leave me with no choice but to take legal action to protect my rights.
Consumer complaint received 2024-05-11
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. (FL)

Thave a 30 day late payment with XXXX XXXX from XX/XX/2024 that is an error and XXXX asked for proof of payment. This account is paid on time and in Full and was not late. I am requesting that the late payments on my credit report be reversed or marked as " Paid as agreed '' or " Ok '' and the credit bureau make the necessary corrections to my credit report. I appreciate your attention to this matter.
Consumer complaint received 2024-05-11
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. on XX/XX/2021 XXXX section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Equifax continue to knowingly willingly use deceptive and unfair business practices with total disregard to the law. They continue to slander my character furnish inaccurate information even after I have notified them numerous of times. They refused to provide me with proper verification documents along with what elaborate investigative measure was used to verify these accounts. These negative inaccurate information Equifax refuse to remove is hindering me from providing from my family and continue to damage my creditability. I never provided written or verbal consent to share my private nonpublic information. No permissible permission given. I did not opt in to share or report any of my information. NO CONSENT IS IDENTITY THEFT!! 

See attached for more details on their negligence and deception.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX is fraudulently reporting that that has been discharged on three or more accounts and destroying my credit. All these accounts are closed and discharged according to the UCC guidelines. XXXX is reporting accounts that have been removed from XXXX and Trans Union which is against The rules of The fair debt reporting act. I have disputed them and get no investigation, or any real verification of any debt. No documents will be provided or proof of verification.
Consumer complaint received 2024-05-09
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. (MO)

On XX/XX/XXXX sent letter to all XXXX Bureaus informing them that date of last activity was incorrect, that balance was also incorrect and they this the creditor XXXX XXXX account number XXXX that this creditor has had this debt for 6 years and not sold the account to keep reporting incorrect information. The credit bureaus have chose to violate my consumer rights and have not provided me the validity of this debt and has also continue to report inaccurate information on my credit report. This credit is a predatory lender and has chosen provide a loan in XXXX knowing that I only had an income at the time of XXXX yearly and ignored their systems agrorithm showing that i should not qualify for this loan. This company was sued and found to be doing this to consumers since XXXX to XXXX. CFPB also has a class action lawsuit against this company that was just paused XX/XX/XXXX which I have attached. Im asking this to please be removed my my report immediately or I will also have to take legal action against the bureaus and the company. 

Thank you
Consumer complaint received 2024-06-01
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: EQUIFAX, INC. (IL)

Good Evening My name is XXXX XXXX and I am filing this complaint because this is the third time I have reported my identity theft, and no action has been taken. The credit bureau has not responded to my disputes, nor have the involved companies. I feel my rights as a consumer are being violated. I am the victim here, and I can not get proper assistance or responses from the credit reporting agencies. If no action is taken, I will pursue legal action. 

Regards, XXXX XXXX
Consumer complaint received 2024-06-07
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. (IL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I am writing to request specific information regarding the verification process conducted by your agency concerning the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive the information that was utilized in the verification process, particularly for accounts that have been marked as " verified '' despite my dispute.

I recently submitted a dispute regarding several accounts listed on my credit report, which were reported as past due. Despite my dispute, some of these accounts were verified by your agency. However, I have not been provided with any details regarding the information used to conduct the verification process. 

Therefore, in accordance with my rights under the FCRA, I request that you provide me with the following information related to the verification of the disputed accounts : Copies of all documents or evidence provided by the furnisher ( s ) of the disputed information to verify the accuracy of the accounts in question.

Any communication exchanged between your agency and the furnisher ( s ) during the verification process, including but not limited to letters, emails, or any electronic correspondence. 

Any internal notes or records documenting the steps taken by your agency to verify the accuracy of the disputed accounts. 

Any other information or documentation relevant to the verification process conducted by your agency. 

Please be advised that the FCRA mandates that you provide me with this information within 30 days of receiving this request. Failure to do so may result in legal action being taken to enforce my rights under the FCRA.

I appreciate your prompt attention to this matter and look forward to receiving the requested information within the specified timeframe. 

Thank you for your cooperation.
Consumer complaint received 2024-05-11
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. (TX)

PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-05-11
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. (IL)

Subject : Dispute of Derogatory Accounts Reporting Due to Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally dispute the derogatory accounts reporting on my credit reports by XXXX, XXXX, and Experian, which I believe are a result of identity theft. The accounts in question have negatively impacted my credit standing and financial well-being. The following are details of the disputed accounts : XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX - Account Status : Closed with a derogatory status - Balance : {$960.00} XXXX. XXXX XXXX XXXX ( XXXX ) : - Account Status : Closed with a derogatory status - Balance : {$890.00} XXXX. XXXX & XXXX : - Account Status : Closed with a derogatory status - Balance : {$160.00} XXXX. XXXX XXXX XXXXXXXX : - Account Status : Closed with a derogatory status - Balance : {$270.00} XXXX. XXXX XXXX : - Account Status : Closed with a derogatory status - Balance : {$410.00} I have reason to believe that these accounts were opened fraudulently using my identity without my consent or authorization. The derogatory statuses and outstanding balances associated with these accounts are not a result of my actions or financial responsibilities. 

I am requesting the Consumer Financial Protection Bureau to investigate these accounts and work with XXXX, XXXX, and Experian to rectify the reporting errors caused by identity theft. I urge for the removal of these fraudulent accounts from my credit reports and the correction of any associated negative impacts on my credit standing. 

I have taken the necessary steps to report the identity theft to the relevant authorities and have also filed reports with the Federal Trade Commission ( FTC ) and local law enforcement agencies. I am committed to cooperating fully with any investigations or inquiries to address this matter and restore the integrity of my credit reports. 

I appreciate your prompt attention to this dispute and your assistance in resolving these fraudulent accounts reporting due to identity theft tactics. Please keep me informed of any actions taken and the outcomes of the investigation with XXXX, XXXX, and Experian. 

Thank you for your support in protecting consumer rights and addressing issues of identity theft in the credit reporting system. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-10
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)

I JUST RECEIVED COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD CHARGE CARD. 

XXXX XXXX XXXX XXXX XXXX WAS OPENED BY FRAUD WHO STOLE MY IDENTITY AND MY WALLET. 

THIS XXXX XXXX  FRAUD ACCOUNT XXXX SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

THIS FRAUD ACCOUNT BALANCE IS {$1600.00} AND I AM NOT RESPONSIBLE FOR SOMETHING I NEVER OPENED. 

DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Being careful, that this is not a repeat complaint. This complaint will focus on only ONE aspect of my dealings with Wells Fargo in which they have not followed through as stated. 
According to the XXXX and various other survey analysts, Wells Fargo Bank is one of the most hated banks in the Country. And I can see 1st hand, why this is true. When a Financial Institution plays games with my money, I feel very violated in a tremendous fashion. 
This complaint will focus on one aspect of my dealings with Wells Fargo. When my Email was hacked, I immediately contacted Wells Fargo, and disabled and deactivated all accounts. Even after doing this, Wells Fargo still allowed Identity thieves to go in my accounts and steal {$8800.00}. 
On XX/XX/XXXX, I contacted the Wells Fargo Executive Office and spoke to XXXX. I requested that my accounts be immediately closed, and the remaining funds of {$3500.00}, be mailed to my home address. And this is all on record. This account needed to be closed, prior to the identity thieves also stealing what was left. XXXX with the Executive Office said that this would be done ( 0n recorded phone call ). As of the date of this complaint, XX/XX/XXXX, I have yet to receive my funds. This would be a start on my Recovery of {$8800.00}, in which Wells Fargo disburshed in Fraudulent transactions, after I had all accounts deactivated and disabled. Wells Fargo will not communicate with me other than response to complaints. They refuse to answer Emails and letters, to numerous to count. In my phone calls to Wells Fargo, they refuse to answer questions. I can not understand how a Financial Institution such as Wells Fargo continues to stay in business, as they are overseen by government onersight agencies which should hold them accountable. 
I'm very upset at myself for not researching Wells Fargo, prior to trusting them with my retirement savings.
Consumer complaint received 2024-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXXXXXX XXXX XXXXXX/XX/XXXX ( was during the time of covid SCAM ) {$13000.00} XXXX XX/XX/XXXX {$570.00} XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$1300.00} PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C
Consumer complaint received 2024-05-15
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. (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 USC 1681.

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 2024-05-10
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)

I JUST RECEIVED COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD CHARGE CARD. 

XXXX XXXX XXXX XXXX XXXX WAS OPENED BY FRAUD WHO STOLE MY IDENTITY AND MY WALLET. 

THIS XXXX XXXX FRAUD ACCOUNT XXXX SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

THIS FRAUD ACCOUNT BALANCE IS {$1600.00} AND I AM NOT RESPONSIBLE FOR SOMETHING I NEVER OPENED. 

DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2024-05-11
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. (TX)

I just looked over a copy of my credit report and see that the XXXX CREDIT BUREAUS don't care that Ive been a victim of identity theft. I found a lot of accounts and inquiries on my credit report that were not open by me. According to Equal Credit Opportunity Act, EXPERIAN ( XXXX ) and the other XXXX CREDIT AGENCIES harmed me for many years, barring me because of my ethnicity as an XXXX American born in our beloved U.S. The injustice hurts me to make a life for me, my daughter and fiancee credit, car, and a home, the American Dream. ( EXPERIAN also dropped my XXXX score of XXXX to around the XXXX with numerous of WRONG ADDRESSES, DO NOT USE THEIR APP OR CREATE AN ACCOUNT WITH THEM. ) Please remove the fraudulent accounts and inquiries from my credit report as fast as possible. According to FCRA Section 605B it is illegal to report information on my credit report without my permission, please remove these accounts, inquires, AND WRONG ADDRESSES from my credit report NOW. AND 15 USC 1681b. ( 2 ) PERMISSIBLE PURPOSE for ANY negative item including Child Support that a company reports to your credit report WITHOUT your WRITTEN CONSENT is considered identity theft and fraud...
Consumer complaint received 2024-05-11
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( was during the time of covid SCAM ) {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C