davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
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. (MN)

My information has been stolen and used whom ever stolen my information they have use it illegally to apply for credit card acts with many financial institutions. : These is all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX Federal XXXX XXXX XXXX Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegal inquiries is reported illegally on my XXXX report Experian, XXXX, and XXXX reports and must be removed asap. also my XXXX report has many errors including a date of hirth of XX/XX/1984 which is inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX this illegal information must be inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX this illegal information must be deleted from my credit report under section XXXX XXXX XXXX XXXX XXXX ( B ) or the fair credit reporting act. pursuant to section XXXX XXXX Code XXXX ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person XXXX not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 
And and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MO)

On XX/XX/XXXX XXXX XXXX of XXXX XXXX. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX ran a credit check on both me and my husband without permission. We purchased a home in XXXX of XXXX, and obtained our loan through XXXX XXXX ; that is how they have all of our information. XXXX reached out to get us to refinance our loan. I had a few text exchanges with XXXX XXXX about questions pertaining to refinance. My husband, XXXX XXXX never spoke with him at all. 
I received a credit monitoring notification that an inquiry into my credit was made. XXXX confirmed that he did run a credit check on me and also my husband. Neither us us gave consent ( I have the text conversation to prove this ) for him to run the reports. I informed XXXX XXXX that we never gave consent and requested that he immediately request that it is removed. He text me that it was just a misunderstanding and he was sorry. That is unacceptable and it was NOT a misunderstanding. It was a violation of my and my husbands rights. I do not know what recourse we have here, but this is not ok! You can not violate privacy and rights, just because you have their private information. Especially to gain a sale!
Consumer complaint received 2024-04-17
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)

XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX # XXXX XXXX ga XXXX {$540.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was show to me.
Consumer complaint received 2024-01-07
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. (SC)

IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 
Under XXXX XXXX XXXX. XXXX section XXXX says " | have the right to Privacy ''. XXXX XXXX XXXX section XXXX A section XXXX " It also states a consumer reporting agency can not furnish an account without my written instructions ''. 
Under XXXX U.S.C XXXX B " A creditor XXXX not treat a payment on a credit card account under an open-end and consumer credit plan as late for any purpose. 
Please update the following accounts as paid, never late. 

XXXX XXXX XXXX XXXX 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 2024-01-07
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. (MA)

These inquiries was pulled with out my permission or consent. Please help me remove/delete. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681b , credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA 15 USC 1681Q-Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2024-04-17
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. (NJ)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Public Record Account : US Bankruptcy XXXX Experian is falsely stating this bankruptcy account information on my credit report and this a violation of the Fair Credit Reporting Act. 15 U.S Code 1681s-2 DISPUTE HAVE 189 DAYS.

Experian stated on letter that they verified as accurate this bankruptcy account with XXXX XXXX XXXX XXXX. Find attached letter and report from Experian. 
Attached certified letter from XXXX XXXX stating they removed the bankruptcy on XX/XX/2023 because this data was inaccurate and unverifiable. 
XXXX and XXXX are not reporting this false bankruptcy account of my credit report. 
A formal claim was filed # XXXX with Attorney General.
Consumer complaint received 2024-01-07
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. (TX)

I am not liable for this debt with XXXX XXXXXXXX XXXX  for {$1200.00}. I do not have a contract with XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

I opened Savings account online with Fifth Third Bank XX/XX/year>. I do no have Debit Card and made no Deposits, Withdrawals or any transactions. I never touched the XXXX Hackers steal {$28000.00} over ( 8 ) days XXXX XXXX XXXX in ( 22 ) transactions. No Calls, Alerts or Fraud Activity Notices from the Bank. Tuesday XX/XX/XXXX I spent ( 1+ ) Hour on the phone today with their Fraud Dept who says it will take TEN ( 10 ) days to Review & issue credit. I rec 'd refund for the majority of the $ yesterday Tuesday XX/XX/XXXX but bank missed ( 2 ) transactions & still owes me {$2100.00}. Banker Rep said these ( 2 ) remaining transactions were not refunded because they " occurred in XXXX ... .instead of XXXX ''. I had to Sign/Date form & return to bank. Now waiting again on refund before I can Close account.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
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. (SC)

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to XXXX XXXX, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (GA)

I am being penalized and harass for making monthly mortgage pre-payments to XXXX XXXX XXXX XXXX XXXX which have sold to Shellpoint/Newrez with incorrect payment information. According to my XXXX XXXX XXXX XXXXXXXX, there's no penalty for pre-payments. XXXX XXXX XXXX, XXXX start receiving my pre-payments in XXXX. Those pre-payments ranged from 2-5 months in advanced. Newrez, LLC c/o Shellpoint Mortgage Servicing purchased the loan. They started servicing my loan on XX/XX/XXXX. By XX/XX/XXXX my twelve months mortgage pre-payments were made to XXXX XXXX XXXX XXXX XXXX XXXX These business dealings does not happen on a whim. XXXX XXXX XXXX, XXXX should have accrual my pre-payments, then apply to the correct month. All my ACH pre-payments and mortgage coupon slip indicted which month the pre-payment was for. I don't owe Newrez/Shellpoint any past due payments. The most recent correspondance from Shellpoint is attached along with my most recent reponses sent by certified mailing.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (NJ)

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. 


XXXXXXXX XXXX XXXXXXXX - {$1500.00} -HAS VIOLATED MY RIGHTS! 


INQUIRIES : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022- HAS VIOLATED MY RIGHTS! 
XXXX XXXX XX/XX/2022 - HAS VIOLATED MY RIGHTS! 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXXXXXX XXXX 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 2024-08-14
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. (GA)

Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-01-07
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. (GA)

Dear Sir/Madam, I am writing to inform you of a matter that has been causing me significant concern recently. On XX/XX/XXXX, I became aware of an account on my credit report that I believe is the result of identity theft. As a victim of identity theft since XXXX of XXXX, I have been dealing with the repercussions of my stolen SSN, driver 's license in XXXX and GA, DOB, as well as my addresses and companies I've worked for being used to create fraudulent accounts. 

While I have taken several steps to address this issue, including contacting the appropriate authorities and filing reports, I have encountered some difficulties in resolving this matter with XXXX XXXX. Despite providing the company with an ITC report, they have refused to remove the information, which has only added to my frustration and sense of victimization. 

I have successfully had the information removed from other companies, including XXXX XXXX, and I am hopeful that XXXX XXXX will also take appropriate action. I would appreciate your assistance in this matter and would be happy to provide any additional information that may be required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-15
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. (TN)

I made a payment to XXXX XXXX  on XXXX  XX/XX/year> in the amount of {$790.00}. They are reporting on my XXXX and Transunion reports that I did not make the payment.
Consumer complaint received 2024-01-07
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Consumer complaint received 2024-01-07
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)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-01-07
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. (CO)

I have several unauthorized hard inquiries on my credit report that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.
Consumer complaint received 2024-05-07
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost XXXX XXXX XXXX paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Consumer complaint received 2023-06-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made an internal transfer by mistake from my Bank of America account to another account of the same bank. I reported it since I found out about the error and they told me that they would resolve it in 10 business days. If it was a direct transfer, there was no problem. 15 days passed. I called and they told me that they closed the case without any response and reopened the case and they tell me that 45 business days while the person who has the money in the account can spend it
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-01-07
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. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.