davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
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)

On my XXXX credit report and credit file I got a mix credit report and file that lead my credit report and me to being a victim to indentity thief r address that dont belong to me on my credit report and I want them remove and a clean up on my credit report I want yall to separate whats mines and the persons that information is mix up in my credit report and file and I got a problem work Experian to they took my address off my credit report and I need them to update it back on to my Experian credit report and file and on my XXXX report I need my number update to the current phone number XXXX and I need XXXX to send me my updated XXXX of XX/XX/XXXX credit report and credit score Thxs and I need Experian to send me my updated credit report and score from XX/XX/2023.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

May this letter find you in good health As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. I understand the importance of maintaining a positive payment history and take full responsibility for these oversights. I kindly request your understanding and assistance in removing the recorded late payments from my account history. 
XXXX, XXXXXXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX, XXXX. customer service representative. 
XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXXXXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed. 
I appreciate you taking the time to consider this request. I value your efforts in assisting me in keeping my account information accurate.
Consumer complaint received 2023-11-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

I received a {$1000.00} American Express gift card from my work. I was thrilled for this, because it seemed like it would be convenient, but I am now realizing that Amex gift cards barely work online. I can not make purchases online. I have been trying to spend {$130.00} of my {$1000.00} balance on XXXX since yesterday and I keep getting declined. I tried on XXXX and had a similar problem. Attaching a photo of my emails saying my payment keeps getting declined. I have checked the card numbers, I have removed the card and readded it, I have verified it through Amex, etc. To no avail. I dont know how Im going to buy my gifts for the holidays since my plan was to use this card for all purchases online because I dont have a physical card to use in person. Upon doing my research, this seems to be a common problem people have. I cant believe it hasnt been resolved.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CORELOGIC INC (CA)

" CREDCO '' XXXX XXXX XXXX. via CREDCO has been inquiring for many years now & continuiously puts HARD inquiries on my reports. 
Some have dropped off XXXX they continue. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't know how or when they received permission to continue to make these Hard Inquiries. 
I wish to STOP them from further Inquiries. What must I do to stop this from further happening?
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CORELOGIC INC (VA)

I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge.

I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621.

The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under the law.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.

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.

Child Support XXXX has had the last activity XX/XX/2008 yet it still shows on my credit report. It should be removed due to its age and inaccurate information. The reports states several different last activity dates, opening dates and reporting information. 

XXXX Account # XXXX is paid not closed and has been for over 10 years. 


The above accounts have violated my rights according to 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MO)

I got my Experian Credit report dated XX/XX/XXXX, XXXX XXXX acct # XXXX shows this account is scheduled to continue on record until XX/XX/XXXX. I called this afternoon to XXXX to inquire when it would be deleted lady named XXXX says she would check system came back after XXXX minutes on hold to say it will remain on report till XX/XX/XXXX told her thats not what was on my report # XXXX for XX/XX/XXXX, XX/XX/XXXX, report # XXXX and XXXX report # XXXX from three reports couldnt be wrong asked for a new report and want it removed XX/XX/XXXX as it says or what shall I do to fix this problem so Im not sure if any thing is correct. Confirmation # XXXX from call today XXXX
Consumer complaint received 2023-09-20
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)

I am 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 bring awareness to these negative items that are illegal on my credit report. looking over all files listed on my all 3 credit files none of them have been accurate, legal, or correct, an valid to be posted on my credit report legally. please review an delete all listed items asap to help clear my file.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ID Analytics, Inc. (VA)

I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge. 
I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621.

The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under the law.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, 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. (FL)

I have only applied for 2 loans in 2 years and there are several inquiries on my report that I did not do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify or remove these fraudulent inquiries
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WESBANCO BANK, INC. (PA)

On XX/XX/XXXX I signed up for a Wesbanco checking account after seeing their promotion advertised for {$400.00} after making a {$500.00} direct deposit within 60 days. I took a screenshot of the promotion to ensure I would have the terms and show I was using it properly. ( Attached ). I applied through the " Apply Now* '' link on the page and followed the instructions to " Be sure to add promo code XXXX in your Shopping Cart ''. I copied ( Ctrl+C ) the code directly off that page, and pasted it in later to avoid issue. ( Attached where I pasted the code -- this screenshot is from today, not from XXXX for illustrative purposes ). I completed the application successfully and got a confirmation email. I had no reason to believe the promo was not recorded or would not be honored. I exceeded the conditions for the bonus. I waited for the payout, but didn't see it. On XX/XX/XXXX I decided to reach out and messaged through the bank 's system. I was then told that my account didn't have the promotion attached, and that the promo period ended XXXX ( which I found irrelevant since I signed up XX/XX/XXXX. ) After a few more messages where I insisted I did indeed enter the code and they must have an issue, I searched online and found forums with many others with the same issue. I read that some people who raised the issue did receive the {$400.00} credit, but that seemed to stop in XXXX. I called Customer Service and the agent told me ( on a recorded call ) that " tons of people '' called in with this problem and they used to be able to fix it until " marketing took that power away from us ''. 

I wonder now whether the issue was that I pasted in the code. I now understand that some websites may not properly ingest data entered via paste and not manually typed. If that is so, I argue that's a deficiency on their site that I have no control over and could not have known about. 

They know there was an issue with their system, they were acting to correct it and honor it, and then they stopped. I couldn't possibly have complained before XXXX since I needed to wait at least 60 days + 7 days, plus accounting for non-business days. 

I have tried to resolve it with Wesbanco to no avail. This company is acting in bad faith.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NY)

I was a victim of a Ponzi Scheme through my investment of XXXX which shares were purchased through the webull platform. There is an extremely complex level of facts for this case which is explained in my statement of facts. Not only was I a victim of a Ponzi Scheme I was put in a situation where it wouldve been illegal for me to sell my shares. In order for the XXXX to fully comprehend my complaint, he must call me. My losses were XXXX by this Ponzi Scheme and Citibank is not protecting their customers.