davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC XXXX ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-04
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: WELLS FARGO & COMPANY (IA)

Wells Fargo had a major outage in XXXX of XXXX. Since that time, I have been unable to access my Wells Fargo online account. Therefore, I have been unable to access statements and billing for my credit card. 

I immediately contacted Wells Fargo about the issue. They were unable or unwilling to restore my account access. 

I switched banks in XXXX of XXXX -- checking, savings, CD, etc. I kept the credit card open, but stopped using it completely by XXXX. 

In late XXXX, a bunch of fraudulent charges popped up on the card. I immediately notified them. I was told ( in writing ) that the charges would be removed. 

However, the charges were not removed. Wells Fargo kept the fraudulent charges, ruined my credit, and forcefully closed the card. 

Wells Fargo has tried everything to weasel out of their responsibility. They claim that I did not contact them, or provide the correct paperwork. Or that I actually had online access the entire time. All of which is ridiculous. 

They're not even reading my complaints any more. If you have read this complaint, then please include this read receipt code in your response : XXXX
Consumer complaint received 2023-09-21
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. this has been my 2nd attempt to clear all listed items. none of the information is correct on all 3 credit reports. please review an remove the illegal items listed asap.
Consumer complaint received 2024-04-08
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. (TN)

I was trying to buy a house and upon that realized i had damages specifically the ones listed below from each credit company, these are damages on my report and according to the 15 u.s.c 1618, I should not have any unauthorized damages on my report, below states each one that is on my credit report. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

Several " collections '' companies, using different names and contact information, have repeatedly sent demand letters over the past 7 years to collect a XXXX XXXX debt from me that is not mine. Furthermore, I have never had an outstanding debt to XXXX or and of it's subsidiary companies. I have also never had a relationship with any of the collections companies listed below or any other unnamed companies attempting to collect this fraudulent debt. 

Collections companies perpetrating this fraudulent collections activity include : [ XXXX, XXXX ] [ XXXXefferson Capital Systems , LLC ] Information Listed in their fraudulent notice : Account number : XXXX Reference : XXXX Amount Owed : {$2300.00} Date of Notice : XX/XX/2024 Reply By Date to Dispute : XX/XX/2024 This is fraudulent and repeated XXXX  tactic to scam people out of money for fear of having a collections account on their credit history.
Consumer complaint received 2024-04-08
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2023-09-21
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon checking my credit report i was made aware of a collection that was not opened by myself or any person authorized as myself. This account has no valid or any truth to the matter of its orgin. It should be me researched and delted immediately as this is causing too much stress and anger for being mistreated by XXXX, XXXX, and Transunion.
Consumer complaint received 2024-04-08
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 earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2023-11-24
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)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I have been disputing items on my credit report for over 2 years. Theres information on my my report that is fraudulent but XXXX XXXX and Experian continue to report. I have called both companies but they refuse to remove disputed items. None of my reports match. XXXX have no derogatory items on my report however Experian has one and XXXX XXXX has 4 even adding items that shouldnt have been added back to my report.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX reviewed my recent consumer report and there are inaccurate and unauthorized transactions and reporting on my file that need to be deleted and updated to PAID AS AGREED/ PAID IN FULL? CURRENT and all GOOD standing marks Only showing on my consumer file.

I see that there's late payments and negative reporting transaction showing on the credit file and I am in need of all the PROOF and EVIDENCE for the Creditors and the Consumer reporting agencies to furnish and report any of my information to any 3rd parties.

If they do not have my written permission to report, then, they MUST remove and update my credit report as I demand...

15 usc 1666b- No corporation can report and furnish any late payment for any reason without the consent of the consumer. PROVIDE PROOF PRIOR TO REPORTING ILLEGAL Information that is inaccurate. 

These corporations and consumer reporting agencies must delete the inaccurate information immediately XXXX, XXXX I have never been late... Never been late as this account is paid in full/ Current.

Mercedes Benz : I have NEVER been late and I need this account to be updated.

I also need a copy of the 1099c and the title as they are in breach of contract and breach of fiduciary duty. I sent IRS the 56 form, 3949a, 211 ... with a w4/ 1040v/ 1040/ Proof of fraudulent transaction and payment history. They owe me all the unearned interest payments for all the months that I overpaid since XXXX. 15 usc 1615 XXXX XXXX XXXX XXXX : I was NEVER late and I need this updated immediately. They also need to send me the 1099c, Processed Documents, warranty deed, and all the unearned interest payments that I have overpaid and that they are not paying Taxes on as this is proof of securities fraud. 

XXXX XXXX : I was Never Late. I need this account updated. 

XXXX : I was NEVER late and I need the account updated immediately
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

Equifax has been hit with a security breach in XXXX that was reported in XXXX. I placed a security freeze from their website https : //my.equifax.com/membercenter/ # /login around XX/XX/XXXX. The security freeze has been active since. Recently, I've tried to remove the security freeze by login to the website with my credentials. 

I've been unable to login to Equifax to remove the security freeze at least since XX/XX/XXXX. I've tried resetting the password but it does not work. I called customer support on XX/XX/XXXX to give me access to my account but they were unable to reset my credentials. They escalated my issue with number XXXX but they did not fix the issues within 7 to 10 business days. 

I've called twice ( XX/XX/XXXX and XX/XX/XXXX ) and both times the customer support was not able to reset my password nor give me link to reset my password on my own. They did offer me help to unfreeze the credit report by calling them. However, I would like to freeze/unfreeze on my own without requiring to call customer service every time. 

I'm asking Equifax to give me online access to my account and let me decide when I would like to freeze or unfreeze my credit.
Consumer complaint received 2024-04-08
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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-04-08
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. (DC)

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 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-20
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00}
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$260.00}, XXXX XXXX Balance : {$940.00}, XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$540.00}, XXXX XXXX Balance : {$200.00}
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$260.00}, XXXX XXXX Balance : {$940.00}, XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$540.00}, XXXX XXXX Balance : {$200.00}
Consumer complaint received 2019-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (AZ)

XX/XX/XXXX i purchase Make Money program i thought it was great deal.Transaction went through both Paypal/Clickbank my instution DECLINE Transaction # {$17.00} and last 4-digits # XXXX and Transaction # XXXX was {$4.00} + {$0.00} tax = {$5.00} last 4-digits # XXXX But XXXX XXXX he set me up in XXXX XXXX  Ceo XXXX XXXX XXXX gave me Link for XXXX .So since XXXX XXXX Decline i went to XXXX purchase gift Card for {$50.00} went back in purchase Transaction # XXXX {$29.00} + Tax {$2.00} = {$32.00} from Visa last 4-digits # XXXX and Cash Juice link i Paid Upgrade for many different items was Bundle Deal XXXX {$4.00} + {$0.00} tax = {$5.00} and XXXX XXXX Suppose gave me XXXX Free Points i only got XXXX. i only used on XX/XX/XXXX between 8900- 9100, and Next Day they was completly all gone .Tried contacting XXXX XXXX No Luck , XXXX Ad Bar owner XXXX XXXX No infomation.They gave me Link for my website : XXXX_MakeXXXX but as i research it goes to redirect link opens different window.That same Day XXXX ran Decline payment from XX/XX/XXXX for XX/XX/XXXX {$4.00} Unauthoriza went through XXXX. and XXXX on XX/XX/XXXX {$5.00} Unauthorize went out of our account XX/XX/XXXX Then XXXX put {$5.00} back in out account, But on XX/XX/XXXX XXXX Unauthorize took {$5.00} out. Unauthorize.Paypal refuse me again to OPEN up Dispute i try today and yesterday they suppose to protect me but dont there thefts too.XXXX had No reason to debit my account, and my Credit card infomation supposed Not be on file.I never agreed for the to keeep on file only paypal.Transaction unauthorize..I want Refund for fraudulent transaction fees and i still keep my cashjuice account open, But XXXX XXXX said i make {$1000.00}. aweek not made anything .So i made couple day ago ftc.org complaint on everyone.
Consumer complaint received 2023-12-17
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. (IA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX didn't correct wrong information concerning an Auto Loan with XXXX XXXX XXXX XXXX. The loan was NOT part of the bankruptcy, document provided. XXXX XXXX XXXX XXXX will not correct the error. I have sent documents to XXXX ( bankruptcy record and open Auto loan account ) loan is open and is being paid consistently on time with no delinquent or late payments. I have been denied housing because of bad credit including the incorrect item.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.