davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (AZ)

Im having a problem with this company KiKoff Lending, due to the fact they are not being honest and trustworthy as a company. The company is not following FCRA law to protect consumers from inaccurate credit reporting. I have tried to speak with this company via phone, but they do not have a number. I spoke with them via email and tried to explain that they are obliged to remove this account from my credit report report because its inaccurate as when it was first reported late, and the high credit amount and the payment dates across each bureau differ. Under the FCRA law its their responsibility to report accurate across each bureau. By them continuing to report these inaccuracies, its drastically effecting me and preventing me from buying my first home. This has become very frustrating seeing how this company doesnt get back to you in a timely manner and its impossible to get someone on the phone. I have been dealing with this same issue now for over the past 120 days and made several different attempts via certified mail directly to Kikoff Lending and each bureau that they are reporting to. I have attached the inaccuracies in my credit report and have attached them verifying this information as correct which is not valid via pictures and circle how its different in each bureau and another picture showing how its reports 30 days late on one bureau but report paid on another bureau. I am requesting to remove this company information from my credit report entirely. Moving forward I dont want any further dealings with this company seeing how they are not fair or honest company. I also attached a picture showing the dispute from XXXX, where Kikoff reported it verified an accurate which cant be true, seeing all of the information I have provided you and the attachment showing its inaccurate.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (NY)

I am XXXX XXXX and I file this complaint on my behalf because I saw inaccuracies on my report such as PAYMENT HISTORY, ACCOUNT STATUS unknown Inquiries and Mis-spelled name and previous addresses, it affects my financial status this past few months,
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NY)

I have had a relationship with wells fargo for over 5 years with no missed payments or complaints. A few months back they shipped me a new credit card because the old one was about to expire but i never received it so i ordered a replacement card. The month i received the new card i believe XXXX i attempted to make a payment thru their automated telephone system as i had done for over 5 years. During this attempt i was redirected to a teller who advised me that do to the new account number i would need to provide my checking account information again to submit payment as normal so i provided them with it again. Keep in mind my checking account number has remained the same for over 20 years. Subsequently, after providing this information i submitted the payment with the same teller. The following month i went to make my next scheduled payment n i learned that the previous months payment had never went thru and i was being told i was late on my payment. I then spoke with a teller who told me that the payment was declined due to insufficient funds. I then contacted my bank who looked and determined that a payment request was never submitted by wells fargo. I then called wells fargo again n attempted to make a new payment that was submitted successfully. A few weeks later a received an email from wells fargo saying that my account was delinquent and that i needed to call them. I telephoned wells fargo in deep distress and after a lengthy discussion with a teller it was determined that the bank account number that i submitted was incorrect so i gave them the account number and submitted a payment of XXXX  dollars. I then logged a complaint wanting an apology and correction of whatever they submitted to any credit bureau agency. After a internal investigation wells fargo determined that they did nothing wrong blaming me for ant errors n canceled my credit card..i want to log a complaint because i did nothing wrong and made several attempts to make payments. Once the numbers were correctly entered you can see i made a large payment of over XXXX  dollars. It is silly to believe that after 5 years of not missing a payment i would knowingly provide a false account to keep from making a payment of only XXXX dollars to subsequent put a payment in of over XXXX  dollars a few weeks later.. i would like help clearing my name and having an apology. I don't care to do business with them anymore but they dont have the right to tell lies about me..i want access to there recordings so that i may way my options.
Consumer complaint received 2024-06-11
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. (VI)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Hello dear credit Bureau, I have noticing an error on this account. Ive been reporting it and it havent been fixed yet.

And this error is obstructing my ability to obtain credit or having a credit on a good standing To have the initiation of buying a house on the near future. 

1st. Account type default is not showing the exact account type on one of the credit bureau please I want that to be fixed 2nd. the open dates are not being accurate on these account please fix it so I can get a good standing on my credit.

3rd. The last reporting day on one of the account is not the correct I would like for you to fix it please.
Consumer complaint received 2024-05-21
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. (LA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (ID)

Alot of activity took place before I was a legal adult with a few different banks that I know i did not sign up for, ultimately resulting in a flag with the XXXXXXXX XXXX and also labeling my account with fraud alerts to the point of limited ability and the denial of a normal checking account. I have no idea what lead to this ; however, I have initiated contact multiple times with the concerned banks of interest and have not got anywhere. again, I have no knowledge of the alleged accounts, and I am sure I do not or have not opened up the account. 
A resolution of getting this problem resolved would be to eliminate the negative and incorrect information that these banks have against me.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I am a victim of banking fraud. Someone duplicated my card and was able to drain my funds. I filed a honest claim with Union Bank / US Bank who refused to honestly investigate my claim, instead US pointed the finger at me claiming I allowed whoever to charge on my account which is totally unacceptable. US has a history of abusing its customers so obviously US continues to have the same reputation. US has taken all my money away from Me failed to honestly investigate my claim leaving me with no other option other then to move my direct deposit into another bank. US has damaged my life and my credit. I hope someday US will be happy to answer all its abuse to our creator who will judge. Union Bank and US Bank thank you for telling me that XXXX. and the sky is green and grass is blue.
Consumer complaint received 2024-05-21
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. (IA)

I sent a dispute letter to Experian, XXXX XXXX, and XXXX in about XXXX or XXXX of XXXX, disputing accounts that are not mine, yet they verified them as belonging to me. This is stressing me out. Please help me with this.
Consumer complaint received 2024-07-11
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. (SC)

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name & number XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXXXXXX XXXX XXXX XXXXXXXX. 

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

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX XXXX XXXX, charge off my account ending in XXXX and sold the Debt to XXXX XXXX XXXX via Debt owed to XXXX XXXX XXXX debt was paid in full to Debt Collector for {$1100.00} was paid in full in XX/XX/2024 and Debt removed from Report. 

Midland Credit Management is now trying to Collect a Debt for {$1200.00} .Payment was paid to XXXX XXXX XXXX and account satisfied in full. This is a Debt Collector looking to seek extra payment. I only had 1 account with the following Creditor.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (OH)

After reviewing my credit reports there are XXXX billing errors that are reporting inaccurately. Under federal law 15 USC 1666b open end consumer credit plan. These errors are violating my right as a consumer to XXXX XXXX accurratereoorting and fair credit practices. Please review this law and assist in correcting these billing errors that occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have them updated.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  NAVY FCU XXXX Navy federal # 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
Consumer complaint received 2024-07-10
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-21
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. (OH)

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (MD)

I am writing to follow up on my previous correspondence dated XX/XX/2024, regarding the inaccurate negative accounts on my credit report. Despite my repeated attempts to resolve this issue, these erroneous entries persist, reflecting poorly on your organization 's credibility and violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-05-21
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. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (NY)

An account with WELLS FARGO DEALER SVC was fraudulently opened with my information in XX/XX/2020 for the amount of {$15000.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (PA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-21
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. (NJ)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX