davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-26
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)

XXXX XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXX & XXXX is fraudulent on my Acct # XXXX. 
XXXX  on my Acct # XXXX is fraud. 
XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my credit Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX XXXX XXXX on my credit Acct # XXXX is fraud
Consumer complaint received 2023-09-15
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: BARCLAYS BANK DELAWARE (CA)

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction withXXXX  XXXX made on XX/XX/2023 in the amount of {$190.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2024-05-16
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. (SC)

I noticed over 100 inquiries on my credit report, i called and spoke with several representatives with experian, they were rude and basically told me they could not remove inquiries even though it was clearly stated it looked like fraud and my information was on the dark web. They basically mocked me and refused to remove the 100 inquires that no one in their right mind would do. Somehow my information was used and inquires repeatedly submitted. Please remove the inquires that i did not do
Consumer complaint received 2024-05-17
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. (CA)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries and wrong address, and two unrecognized phone numbers on my credit report, and also i don't have a access to my Experian account some reason my login information didn't match i also attached IDtheft report. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Unrecognized address XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX unrecognized phone numbers XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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: BARCLAYS BANK DELAWARE (CA)

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$220.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I cashed a check from my business account at XXXX XXXX XXXX in XXXX PA for {$9000.00} and deposited XXXX of it into my checking account at Wells Fargo Bank in XXXX FL. My balance at Wells before that was {$1200.00}. The receipt and teller told me that {$400.00} of the XXXX deposited would be available right away and the rest on XX/XX/XXXX, the next day. The next day, XX/XX/XXXX I got an email from the bank saying that the funds will be held until XX/XX/XXXX ( 12 days ). I also got another email stating that my Ending Balance was {$2700.00} and my Available Balance was - {$6300.00}. I checked with XXXX XXXX and found that they cleared the check for {$9000.00} on the XXXX, the same day I cashed it. I went to the Wells Fargo bank on the XXXX and showed them that the check had cleared my bank and even showed them a copy of the cleared check from my bank. The person XXXX called someone and told the story and was told that nothing could be done. I asked her to make a complaint for me and she did it while I was there. I also called Wells at the number on my banking app on the XXXX and was told nothing that could be done to make my funds available before the XXXX. Today I got a letter in the mail dated XX/XX/XXXX stating that the money was being held for " Unusual deposit account activity '' until XX/XX/XXXX. There was no information on the letter about who I could contact to correct this.
Consumer complaint received 2024-07-08
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. (PR)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-17
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)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
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. (DE)

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 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-05-17
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)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened : XXXX XXXX, XXXX  amount : {$6800.00} I called this company but no respond.
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. (CA)

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 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$370.00}
Consumer complaint received 2024-05-16
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (TX)

I hope this letter finds you well. I am writing to request the removal of inaccurate information from my credit report as allowed under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ).

Upon reviewing my recent credit report, I have discovered several inaccuracies that are affecting my creditworthiness and financial standing. The FCRA mandates that consumer reporting agencies provide accurate and up-to-date information, and my credit report must reflect this requirement.

Under 15 US Code 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information provided in consumer reports. The inaccuracies in my credit report violate this provision, and I am requesting immediate correction.

15 US Code 1681e ( 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.

Furthermore, under 15 US Code 1681i ( 5 ), I can dispute inaccurate information directly with the consumer reporting agency.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I am formally disputing the following inaccuracies in my credit report : 1. Please Remove the following inaccurate accounts : Radius Global Solution XXXX ( this account is being reported inaccurately please remove this from my credit report immediately ) must be removed I didn't authorize a reporting of this personal info! 


Please investigate these discrepancies promptly and remove any inaccurate information from my credit report in accordance with the law. I also request that you provide me with a written confirmation once the corrections have been made. 


Please send me a copy of the updated credit report reflecting the changes made. I appreciate your prompt attention to this matter in compliance with the FCRA. 
Thank you for your cooperation in resolving this issue. If you require any further information from me, please do not hesitate to contact me through mail. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
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. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-17
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. (MO)

I hope this message finds you well. Despite our previous attempts, I regret to inform you that this issue still persists. I kindly request that you prioritize the investigation and removal of this XXXX XXXX account with the utmost urgency. It is imperative to take all necessary steps to correct this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the account : XXXX XXXX XXXX XXXX Balance : {$3800.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (AZ)

We have done our banking at National City Bank then ( Name Change to PNC Bank ) for more than 20 years. We choose to close our safe deposit box in XX/XX/XXXX as we were planning to move out of state. We went into to local branch of PNC Bank ( XXXX Illinois XXXX. XXXX, XXXX, IL ) at the end of XX/XX/XXXX and retrieved all of our belongs from our safe deposit box, signed the papers with the teller closing the box and returned the key to the teller. I asked when we would get a refund for the unused time, and she indicated you do not get a refund. I did not agree but choose to move forward and not escalate the matter. Then in XXXX I received a notice indicating on XX/XX/XXXX I will be charge for a renewal ( letter dated XX/XX/XXXX ). I called on XX/XX/XXXX the number on the letter as instructed if any questions and talked to a XXXX. She indicated there was no record of closing the box. After a discussion the matter was escalated, and I was advised a different person would call me back about the situation. On XX/XX/XXXX a different person called me to discuss the matter. She took down information and advised she would call me back the next day after she talked to the branch. Today ( 1 week later ) she called back and indicated nobody in the branch would answer the phone until now ( yes, I said no one would answer the phone at a Bank during normal business hours ) but has now talked to the branch and the box is still open. I need to prove it was closed and send her that information. I could not believe I had to prove I do not have a key to the box and show papers that the bank never gave me, or they will charge my checking account. 

I do not feel the burden of proof is on me, when I have already done everything in XXXX I was supposed to do. The burden of proof is on the bank to prove they have an agreement that has not been cancelled. We signed the signature forms the day we closed it and signed the same forms on that day indicating the box would be closed. 

I would feel it is against the law for a business to bill more than customer for the same box. As I closed the box and they want me to pay and I feel they have re-rented the box to someone else, this would be against the law.
Consumer complaint received 2024-05-17
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. (CA)

Experian decided to do POOR COMPLIANCE PROCEDURE, ACCOUNTS ARE DUPLICATED AND REPORTED INACCURATE. IDENTITY THEFT ISSUE, AGAIN POOR COMPLIANCE PROCEDURE BY EXPERIAN. EXPERIAN IS DEFAMING MY CREDIT WORTHINESS BY CONTINUING TO LET THE EXPERIAN CLERKS OUTSIDE THE UNITED STATES DO A PROCESSING OF DOCUMENTS WHICH HAVE NO WAY IN UNDERSTANDING UNITED STATES FEDERAL LAW ( FCRA ). CFPB PLEASE HELP WITH THIS ISSUE THAT EXPERIAN AND ITS Clerks and the EXPERIAN XXXX. willfully falsely certifying the accuracy of a bogus debt. 


15 USC 1681e- ( b )
Consumer complaint received 2024-05-16
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. (CT)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as XXXX XXXX from my consumer report.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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