davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-22
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-01-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: PNC Bank N.A. (NY)

This bank should be shut down. I started a dispute process back in XX/XX/2023 regarding fradulent charges of XXXX on my card and filed a complaint with CFPB. I went back and forth with them. They issued me a credit on XX/XX/XXXX of {$39.00} and reversed it on XX/XX/XXXX. Now i have an overdraft in the amount of XXXX dollars and some change. This bank is defunct based on the amount of complaints filed against it.
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
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. (FL)

This is my multiple requests to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
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. (IL)

I am writing to formally dispute the inclusion of certain accounts on my credit report, as their presence is unauthorized and in violation of consumer protection laws. I expect your immediate attention and resolution of this matter to ensure the accuracy and fairness of my credit history. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$380.00}
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

Company has been sent several letters requesting documents to verify and validate debt they are requesting payment for. Letters have been sent in XXXX, XXXX XXXX. To date i have not received the requested documentation and demand immediate removal from credit report. Once again, I am requesting all of the following documentation or immediate removal from my credit report. A detailed list of the payment history made by me on this account, including dates and amounts of all payments. Documentation showing the wet signature that I purportedly placed on any contract or agreement guaranteeing payment to your company. Confirmation of whether any insurance claim has been filed on this debt, and if so, relevant documentation pertaining to such claim. Proof that your agency has the legal chain of title to collect on this debt, including any assignment or transfer documents demonstrating your authority to pursue collection
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. XXXX XXXX XXXX XXXX XXXX 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 2018-03-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I filed a complaint with the CFPB on XX/XX/XXXX XXXX # XXXX. My Wells Fargo Mortgage loan # is XXXX. It was assigned to XXXX XXXX XXXX at XXXX ext XXXX on XX/XX/XXXX. I have made several attempts to get in contact with her regarding my investigation. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been unsuccessful in reaching her. I also spoke with XXXX XXXX 's at ext XXXX who sent a message to XXXX XXXX and her supervisor regarding the lack of responsiveness from XXXX on XX/XX/XXXX. In addition, I have been trying to work with the loan re-entry team since XX/XX/XXXX, however, I have faxed over every document that has been requested of me multiple times and am repeatedly told to fax over something different or that they didn't receive it. I have copies of all of my confirmation pages and have even gone into the Wells Fargo on XXXX in XXXX XXXX and had them fax the documents over to fax # XXXX and I include my loan number on all documents being sent. Back in XX/XX/XXXX Wells Fargo required me to pay them the sum of a little over {$13000.00} in which I borrowed from my dad. I repeatedly requested copies of my mortgage statements from them to show that my payments were current, but to date have still not received copies of the requested statements on my mortgage, nor have I received the ones requested on my checking or savings account that I had to close out due to fraud by one of Wells Fargo 's employee. The loan re-entry team has had several months to get my loan re-instate, but continues to give me the run around. 

With the sale date up and coming quickly, set for XX/XX/XXXX I fear losing my house due to the negligence of XXXX XXXX XXXX department. They again served me with documents taped to my home today for the Law firm of XXXX XXXX   XXXX at XXXX on XX/XX/XXXX @ XXXX XXXX I spoke with XXXX XXXX and she stated that my foreclosure had been placed on hold, but as of today on XX/XX/XXXX I was served again with foreclosure documents. The mortgage department of Wells Fargo has been very uncooperative in getting me approved in the home preservation department.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NC)

Dear to whom this may concern. I am writing this letter to demand to removal of the Santander Consumer USA account. I have not received three disclosures before it was reported on account. A Financial institution has no legal right without disclosing certain things to the consumer. Congress gives you the right to opt out of having your information reported according to 15 USC 1692. Companies need our written permission.

For any Financial institution there are certain obligations to protect personal privacy. 15 USC 6801 protection of non -public personal information- it says the policy of congress is that each financial institution has an affirmative and continuing obligation to respect the security of confidentiality of nonpublic personal information. 15 USC 6802 obligations with resect to disclosures of personal information ( if Santander is going to give information I must be told ) According to 15 USC 6802 ( a ) notice requirement except as otherwise provided in the subchapter a financial institution may not directly or through any affiliate disclosed to a non-affiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803.

According to 6803 three forms of disclosure must be given to the consumer. When something is placed on credit report it should be presented in bold letters. The consumer should have the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party
Consumer complaint received 2023-11-28
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. (TX)

The Account Numbers is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXXXXXX XXXX XXXX XXXX  AND EXPERIAN REPORTS # XXXX
Consumer complaint received 2024-07-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

The company not only has negatively impacted my credit reporting but it has reduced my good standing and credit limit even though the balance was paid in full. 

My XX/XX/year> statement indicated that there was a balance due on XX/XX/year>XX/XX/XXXX {$250.00} On XX/XX/year>, I paid that balance in full, which is prior to the due date however somehow, I continue to get charged finance charges and late fees which resulted in my account being negatively impacted due to their error. 

Why would XXXX continue to charge on a balance that was paid in full prior to the due date. 

I called the company and they were less then helpful and told me the only thing they could do is direct me to the credit reporting agencies to dispute. I was not allowed to speak with a supervisor or enter in a complaint. 

I am disputing the finance and late fees and ask that they restore my account back to good standing which would include, credit rating, restoring my interest rate as well as my credit limit. 

I have attached the billing statement and the transaction history
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc. (TX)

On XX/XX/XXXX, I wasnt able to use my Cash App card, because they said suspicious activity! I transferred {$200.00} from my bank account which is connected to Cash App! So where is the suspicious activity? After I asked how is that suspicious activity, then Cash App begins that they need proof of where I live! They said I could send in my Drivers License or ID and I did! That wasnt good enough! I address on my Drivers license is the same as my Cash App account! Now its you live in a Hotel, I need something with a Letter head saying you live there! I send in this piece of info and its still not good enough! Mind you this is a rooming house now and theres plenty of other people living here with Cash App cards and they are not going thru this issue! I have been constantly paying fees to them because I have to cash out my money because I cant use my card! I also purchased a new card from them and cant use it, yet they wont refund my money!
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX This is my fourth attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 
I have summited all the required documents including : XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT XXXX ) PROOF THAT I WAS UNDER XXXX XXXX XXXX ) PROOF THATI WAS RELEASEDONXXXX  XXXX ) PROOF THAT I WAS LIVING IN XXXX XXXX UNDER XXXX UNTIL XX/XX/XXXX and then in XXXX until XX/XX/XXXX XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card, get a phone, or open a business, let alone buy a car when I was in XXXX XXXX and then a XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Once released I moved to XXXX with my wife unitl XX/XX/XXXX. I have my tax returns to prove it. 
My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my XXXX and all during my XXXX XXXX XXXX XXXX XXXX XXXX. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX XXXX XXXX XXXX without having to go through my XXXX XXXX 
The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : - CAPITAL ONE account opened in XX/XX/XXXX. Amount {$2400.00}. Business Credit Card I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account.
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. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
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: WELLS FARGO & COMPANY (PA)

My car got Broken in to on XX/XX/2022 I didn't no until the next day I call the cops and did a police report and told them me and my kids ssi my ID and password was stolen then I contact XXXX and open account with them to get my ssi number identify modified please help me with this
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A little over {$28000.00} in approved XXXX funds were used without my consent or knowledge. After opening multiple claims providing police reports, proof of address, and multiple written statements my claims continue to be denied. Each denial gives a different excuse none that make sense or provide evidence of why my claims are denied.
Consumer complaint received 2024-05-28
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. (GA)

Recently I looked at my credit report, and I noticed some some inaccuracies reporting from one of my accounts. This account was paid off in full but it's reporting as a charge off collection. This account is only reporting reporting on Experian. This inaccurate information is hurting my credit score. According to 15 U.S. Code 1601 and 15 U.S. Code1692c, this account has violated my consumer rights, and I need this account deleted expeditiously. 

Account XXXX : XXXX Account XXXX : XXXX
Consumer complaint received 2023-11-22
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. (CA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$16000.00}.
Consumer complaint received 2023-11-22
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)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXXXXXX XXXX Balance Owed : {$18000.00}.
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

tried to change phone number on online account profile three times, never worked. Reported problem to experian. Got auto emails an no assistance with correcting incorrect information on my " credit account ''. The online account management is not working. The experian customer service is just an auto reply garbage collector. It is a crime that the credit reporting agencies ( experian ) can XXXX up all information about you, but can not manage or protect it. Oversight and regulation and penalties for mismanaging critical personally identifiable information is sorely needed. Credit information these vampires collect directly affects your ability to get credit, your job, and your insurance.
Consumer complaint received 2024-04-19
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. (OK)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2023-11-22
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. (VA)

I do not recognize these credit inquiries XXXX XXXX XX/XX/2023 and XXXX XXXX  XXXX XXXX XX/XX/2023! I have asked for them to be removed by the credit bureau but they have not done as I have asked. I am providing an Identity theft report as an attachment. I am requesting the inquiries to be removed because it is inaccurate and not mine.
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX