davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : REMOVE THE FLWING NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FLW ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-10-24
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. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Consumer complaint received 2023-07-26
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: DISCOVER BANK (WI)

The incident apparently has been developing over a radio frequency network, any password or security system XXXX be overridden easily due to the hybrid body area network infrastructure. They are to be considered " XXXX XXXX '' against the government and XXXX be under the influence of a foreign government. 

My best guess is local media is not as friendly as their action are recording. That description XXXX include radio and television broadcast and news groups, their contract workers and a slight case of malfeasance. This network has been buying into every outlet ( stalking ) to a malicious and intimidating degree. They have literally taken over the bank in question ( Discover Bank ) using subversive and sometimes painful medical equipment ( compromised IP server, etc. ) and are currently canvassing for other targets. My personal lose ( for XXXX ) has been an anticipated yet sacrificial loss of a personal loan received from a different bank. It was for {$1000.00} but was to be used for case management expense and personal bills, not as a test money mule exploit for XXXX extremists. XXXX apparently is subjected to the extremist group, virtually changing directives mid conversation, lying about a " verification email '' and how difficult it is to reschedule it. This verification email should have been reproduced but has not been, thus instigating further loss of time, communications and liability corruption. The loss of access to the account is the basis of this complaint. 

I can isolate and even triangulate their position, but apprehension may require assistance. Case management is sustaining communications via internet and mental health facilities, yet recidivism and simple candlestick signals help boost and amplify their position. I don't want to be the arresting party ( : ), I only want to pay my creditors and live in peace without XXXX XXXX and XXXX XXXX  This is supposed to be an antitrust case ; an official antitrust compliant will be filed, but the litigant are still being investigated as a XXXX  compliant. Be diligent.
Consumer complaint received 2023-10-24
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. (NJ)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NY)

My Wells Fargo active cash rewards card was charged {$500.00} by XXXX # XXXX. I noticed and reported the fraud a few days later, but the charge went through on XX/XX/. There were several other gaming charges made during that 2 day span including from XXXX which leads me to believe it was the same criminal ( s ). Wells Fargo credited me back for the XXXX charges, but denied the {$500.00} XXXX fraud claim because they said it was using mobile wallet, and the fraud issue isnt with my card, but actually with my mobile wallet. When I asked who I would report the mobile wallet hacking to, they said they dont know. 
Its very clear to me that I was the target of gaming fraud charges in XXXX, NY and my bank did not contact the merchant or do any due diligence to track the mobile wallet fraud source. I feel that my accounts are unprotected. 
I have been a loyal Wells Fargo customer for nearly 30 years, and do not feel like they thoroughly looked into this matter to vindicate me as customer. Based on the payment method used, they washed their hands of my claim.
Consumer complaint received 2023-10-24
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX 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 2023-04-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

Experian has constantly and willfully prevented me from submitting disputes on in accurate information on my credit report. Every time I go to submit one on any account now I get a submission failed and to call them. But when I do I can never reach a live person as I'm always disconnected shortly beforehand etc.
Consumer complaint received 2023-04-19
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: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to submit a formal complaint regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the following inaccuracies on my credit report. As of today, I have not received a response from TransUnion. I am providing the details of the inaccurate information and the necessary corrections as follows : The following account was never late : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$320.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$940.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$150.00} Please remove it from my credit report.
Consumer complaint received 2023-04-19
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. (CT)

Dear Sir/Madam I am writing to request the removal of inaccurate and unfair information from my credit report. The information my in question has been negatively impacting my creditworthiness. I believe that the information is inaccurate because 15 USC 1681 section 602 A states I the right to Privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This inaccurate information has been unfairly reported to the bureaus and has resulted in a lower credit score than I deserve. 

These INQUIRIES Need to be Removed : XXXX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021 PERSONAL INFORMATION IS INACCURATE : REPORTED NAMES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are inaccurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report. 

I am requesting your assistance in resolving this matter. Under the fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information removed. 

I request that you investigate this matter and take appropriate action to insure that the inaccurate information is removed from my credit report. I would appreciate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions taken to address the inaccurate information. 

Thank You for your prompt attention to this matter. I Look forward to hearing from you soon. 

SINCERELY, XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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. (NY)

As per the FCRA and as a federally protected consumer I am opting out of any authorization, I previously gave you written, unwritten, verbal nonverbal, or implied. As per 15 US C 1681A reporting transactions and experience between a consumer is illegal. A per 15 USC 1681B they were not given consent to furnish my information. 
Experian furnish my information for third-party. Also without my consent XXXXXXXX XXXX  original creditor XX/XX/XXXX reporting balance of {$3300.00} Furnish my information to XXXX XXXX XXXX for debt collection and the amount of {$3300.00} I do not conduct business with XXXX XXXX Nor did I submit any contract with them? also XXXXXXXX XXXX  is reporting {$580.00} balance, open date XX/XX/XXXX on a collection which is considered a certificate of a indebtedness which is considered income and income can not be reported this this is Security fraud please investigate
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-03-13
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. (WA)

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 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was told that I owe a balance of XXXX XXXX From Capital One bank For a late payment and was charged 2 late fees when I paid the XXXXXXXX XXXX before the expected due date. The payment for this XXXXXXXX XXXX charge was paid on XX/XX/XXXX and the due date was XX/XX/XXXX. So Im basically being charged interest for a late fee on a payment that was never late. And because of this they recently lowered my credit score. I would like to have resolution this problem. thank you
Consumer complaint received 2018-05-14
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. (TX)

Here are the dates when I mailed out letters asking them to fix the errors XX/XX/18 and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRANSCARD, LLC (NY)

On XX/XX/, prior to XXXX eastern, I faced trolling by Transcard on the phone. I called transcard at XXXX XXXX XXXX and demanded Transcard allow me to use the funds I have on my card. A man named XXXX picked up and instead of helping, told me to " take my time '', when in fact it is transcard who has been wasting my time for a very, very long time, and refusing to allow me access to my funds on quite the list of occasions. The admin number for the card in question ends with XXXX. The XXXX  also refused to take this complaint and serve it to the offending party, Transcard. 

Later on XX/XX/ XXXX I received from them a check in the amount of {$8.00}. However, the check says to not cash it in without calling them. Since Transcard will not behave when I call them anyway, Transcard may have committed a federal offense by sending me a bad check. If they have not, they must clarify this in writing immediately.
Consumer complaint received 2024-03-14
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. (AZ)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX  Date of InquiryXX/XX/XXXX XXXX XXXX XXXX  Date of InquiryXX/XX/XXXX XXXX Date of Inquiry XX/XX/
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: HireRight Solutions, Inc. (MD)

I went out on an interview so I had to get a back ground check and i seen some things that I was not familiar with. The letter I received said I might be a victim of a identity theft.