davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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, CA 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, addresses, names, and inquiries from my credit file. While checking my credit report, I noticed accounts, 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. 
FROUDULENT ACCOUNTS! 
XXXX XXXX : - Balance updated : - Credit limit : {$1000.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Credit card XXXXXXXX XXXX XXXX Balance : - Balance updated : - Credit limit : {$5000.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Credit card XXXX  XXXX Balance : {$3400.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$5500.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Credit card XXXX  XXXX Balance : {$5400.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$5000.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Credit Card XXXX XXXX Balance : {$4800.00} Balance updated : XX/XX/XXXX Credit limit : {$4000.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Credit Card XXXX XXXX XXXX Balance : - Balance updated : - Credit limit XXXX {$1000.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Credit card XXXX XXXX XXXX Balance : - Balance updated : - Credit limit : {$5000.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Credit card FROUDULENT ADRESSES! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
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. (NC)

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
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. (PA)

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you verify this by examining the documents? Some of the accounts listed are incorrect in terms of reporting, with inaccurate amounts and dates being reported.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

i recieved email from the bureaus saying i'm helping 3rd party to send out my dispute please delete the following account and inquiries XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$0.00} XXXX XXXX Account Number : XXXX XX/XX/XXXX {$0.00} XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with Fair Credit reporting Act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX XXXX XXXX, Dept of Education XXXX, Dept of education XXXX, XXXX XXXX  XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>, and notice some things incomplete and are not accurate .And according to the fair credit reporting act whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about report relates according to 15usc 1681 ( e ) ( b ). 
And according to 15 usc 1681 i 5 they are supposed to do ( 5 ) treatment of inaccuracy or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Some one had been using my personal information, first name, last name, social security number, to have credit cards, mail, and other services mailed to addresses that I have never resided, and I have no association with, theses addresses are, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, I went to my local police department on XXXX XXXX and they instructed me to file a ftc report because my information has been compromised. I have been reaching out by phone to all three major consumer agencies to try to resolve this matter with little to no luck. I need help with this matter as it is getting out of control. I need my correct information reporting to my credit profiles so I will no longe the a victim of fraud.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NC)

Fair Credit Reporting Act Title 15 15 of the United States Code, Section 1681 b, commonly referred to as " 15 USC 5 1681 b, '' is a part of the Fair Credit Reporting Act ( FCRA ) And also defamation of character
Consumer complaint received 2024-05-15
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)

After Been Released From Hospital For Second Time In 3 Months ; My Sister Ran My Credit Report And Found Fraudulent Activity From An Address Of An House I Sold 5 Years Ago.. On XX/XX/XXXX I Signed And Filed A Complaint With The Federal Trade Commission XXXX XXXX XXXX ) That Those Are Fraudulent And Not Mine.. 

I Never Had A Credit Card Of Those Types & Names Before Nor Have I Applied For A Credit Card In 9 Years... I Sent A Copy Of My Drivers License, 2 Credit Card Receipts And Gas Bill That Proves I Don't Even Stay In The State That's Is My Address. 

Please Also Remove Fraud Alerts From My Profile Also, I Never Asked Or Requested Especially When I Request False Information Replace With Accurate Information..
Consumer complaint received 2024-08-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CO)

We had both an auto loan and a VA Home Loan. We reached out to Wells Fargo for help since we were having severe financial difficulties at that time. We were told that they would not do anything to help us. We had to file Bankruptcy to save our home. This cost us thousands at a minimum. 

We come to find out that they charged us fees that were not legal. Wells Fargo was ordered to pay off our auto loan and refund us fees. Now we find out that they did the exact same thing to our home loan. With their illegal fees and actions they destroyed or credit and they 5 years of paying off our chapter 13 you would believe the Fianacial strain on our family. Wells Fargo needs to make this right with our family and as a veteran and having a VA loan there should be repercussions.

imagine they did this on both our auto and home loans destroying our credit and bankrupting us.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by US BKPT CT FL XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XXXX. The entry with Reference XXXX filed on XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Collection Accounts : XXXX XXXX XXXX XXXX XXXX and Collections To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had XXXX days to investigate and fix the inaccurate account listed. I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. This letter serves as a DEMAND to remove these XXXX XXXX because you and the creditor were unable to validate this account with physical proof. If not, you will be hearing from my attorney that is ready to move forward with legal actions. 

Also, you have these hard inquiries on my credit report that do not belong to me as well that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. 
I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. 

This letter serves as a DEMAND to remove these credit collections because you and the creditor were unable to validate this account with physical proof. If not, you will be hearing from my attorney that is ready to move forward with legal actions. 

Also, you have these hard inquiries on my credit report that do not belong to me as well that need to be removed : XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

On XXXX XXXX XXXX i sent in a personal information dispute letter to correct the name, address, social etc ... My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, requirements of this subchapter, and proper utilization of such information in accuracy, relevancy with the accordance The current personal information being furnished is inaccurate, not relevant outdated information. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate, this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports reflecting only the correct information above
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Recently i lookd at a copy of my credit report and noticed several inaccuracies on my account. 
this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you to verify as accurate DEPT OF EDXXXX Balance {$1100.00} Balance updated XXXX XXXX, XXXX  DEPT OF EDXXXX Balance {$810.00} Balance updated XXXX XXXXXXXX XXXX DEPT OF EDXXXX Balance {$1200.00} Balance updated XXXX XXXX, XXXX  DEPT OF EDXXXX  Balance {$2300.00} Balance updated XXXX XXXXXXXX XXXX  I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report.
Consumer complaint received 2024-08-30
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. (OH)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
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. (NY)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-13
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-05-16
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. (NM)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-30
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 did not authorize XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I took my car to a Mechanic Shop on XX/XX/year>, the Mechanic shop charged unauthorized charges to my card with Bank of America in the sum of {$1200.00}. It is suspected that an employee took out monies thru 3rd outside party in Arkansas, made it look like Mechanic shop got paid, the Mechanic shop spoke with me gave me a print out they never got paid, I send all the documents to Bank of America with my complaints and it was faxed to them, as of yet they haven't refunded me back. Employee and 3rd outside party are suspected of tampering with my Bank of America account. The monies are due back in my account it's been over 60days, the bank keeps giving me excuses! Not to mention my information may of been Breached thru a 3rd outside party who traveled to Arkansas and did the bank account tampering there.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

The company did not validate the account the information reported on my credit report before it was updated.The information that they was reported is incorrect and need to be thoroughly reinvestigated. Creditor os also in violation of TILA Credit also failed to disclose tila disclosure statements and original contract for validation
Consumer complaint received 2024-08-19
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. (NM)

XXXX, Experian and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my consumer credit report/file that do not belong to me in accordance with The Fair Credit Reporting Act.