davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (AK)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, has violated my rights. 

1 5 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. 1 681s-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 2023-10-17
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: CITIBANK, N.A. (CA)

Hello, I have Costco citicards, ending at XXXX have a refund issued from XXXX to Citicards for {$1400.00} on XX/XX/, with release authorization XXXXCiticards has authorization hold and have not released to my account for credit - {$1400.00}. 
Multiple attempts to customer service number XXXX result in flat denial of such authorization and refuse further investigation. 

Thank you, XXXX XXXX XXXX Phone number and address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is same as on Citicards ' record.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

It is the credit reporting agencies duty pursuant to the FCRA to report correct and accurate information on my credit report and file, however they are NOT. XXXX, EQUIFAX and XXXX are reporting an inaccurate late payment for the XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment notice posted in XXXX of XXXX. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in XXXX, EQUIFAX and XXXX violating my federally protected consumer rights. To add to this I did not give XXXX, EQUIFAX and XXXX written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX, EQUIFAX and XXXX has violated my federally protected consumer rights under the FCRA and inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

A : On XXXX XXXX, 2022, Wells Fargo mailed me a check ( number : XXXX ). 
XX/XX/2022 HusbandXXXX deposited into his current account ( XXXX ) via mobile phone. 
B : On XXXX XXXX, 2022, Wells Fargo debited {$25.00} from the checking account ( XXXX ) on the grounds that this check was deposited twice. 
C : I also don't have any money deposited with XXXX. I have the current month 's statement as evidence. 
D : Wells Fargo said that the money has been remitted to XXXX, so, Wells Fargo : The payee and account number of the money you remitted to XXXX? tell me. 
XXXX : Since XXXX XXXX, 2022, I have requested money from Wells Fargo 18 times. Wells Fargo pushed it to five departments and has not given a clear answer so far. They have a bad attitude and no one takes my request seriously. 
This thing wasted a lot of my energy and time. 
F : I am now asking Wells Fargo to return this money to me.
Consumer complaint received 2023-10-13
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. (MA)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL INQUIRES THAT DO NOT BELONG TO ME, THEY ARE LISTED BELOW : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. CAN YOU PLEASE REMOVE THEM OFF MY CREDIT REPORT. 




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

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have unauthorized inquiries on my credit report that I didnt approve or authorize and I would like them removed immediately. The inquiries are from the from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion : XXXX hours spent entering information to dispute XXXX credit card accounts on my credit report. Name corrections/deletions also submitted. After online submission, a pop-up stated that online disputation was temporarily XXXX, suggested calling an agent. 

Called the suggested number : agents in XXXX, passed from XXXX to another, XXXX not so good ; scripted responses ; not to over-tax the last agent, I supplied info re : only XXXX disputes ; tried to correct name issues ; i was presented with questions for verification in order to do so ; I failed on a question regarding current/previous ZIP codes, all of which started with XXXX. I never lived in a an area with a ZIP code other than those that start with XXXX. I answered " none '' to the XXXX ZIP codes starting with XXXX ; the agent said I failed and therefore could not make name corrections. 

Transunion, like the other XXXX credit bureaus, are much more interested in selling their identity products than they are with actually helping consumers with credit issues. All three should be investigated and managed appropriately by the CFPB. Their mission is to help consumers, not sell products.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

It is the credit reporting agencies duty pursuant to the FCRA to report correct and accurate information on my credit report and file, however they are NOT. XXXX, EQUIFAX and XXXX are reporting inaccurate late payments for the XXXX XXXX XXXX account. This includes a 30 day late payment notice posted By XXXX in XX/XX/, a 60 day late payment for XX/XX/XXXX  posted by EQUIFAX and and XXXX as well as a 60 day late payment for XX/XX/XXXX  by XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in XXXX, EQUIFAX and XXXX violating my federally protected consumer rights. To add to this I did not give XXXX, EQUIFAX and XXXX written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX, EQUIFAX and XXXX has violated my federally protected consumer rights under the FCRA and inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following accounts I have disputed and have not received results : XXXX - XXXX {$2200.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX {$4900.00}
Consumer complaint received 2023-10-17
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. (TX)

I have tried numerous times for the past many years to get Experian to stop reporting on my credit file an account associated with Identity Theft. This is the account associated with The XXXX XXXX with an almost {$29000.00} Charged OFF. The other two main credit bureaus removed this account years ago, but Experian refuses to do so claiming that they had verified the account to be valid based on what the reporting company is telling them. I have submitted ample proof from multiple police reports to court orders regarding the ID Theft and none of it has been enough for them to act and stop reporting the negative account on my otherwise perfect credit file! 

The reporting company can not provide proof that I was the one who personally opened, signed the application and charged the account, but they said it was I because my identity was effectively used to open the account. It seems that neither Experian nor the reporting company know the definition of ID Theft. Please help!
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2023-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (NC)

XXXX XXXX XXXX ( as per my consumer report ) has contacted me via email, and via phone. I have no business with this company. I have no contract with this company, they have furnished false, and misleading information, on my Consumer report. I did have the emails saved, in which I never consented for them to contact me at all. My emails where erased due to storage on my phone. I spoke with a XXXX, her id number is XXXX. She informed me that her company purchased the alleged debt, and I now owe them. I asked her to supply me with the verifiable evidence of a contact between XXXX XXXX XXXX  and I. This company has stole my identity, and reported inaccurate information to the three credit agencies. This inaccurate information is keeping me from extending my credit to other businesses ....
Consumer complaint received 2017-05-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American First Finance, Inc. (IL)

I opened an account with American first finance. The account was stated as a 90 day same as cash contract towards my 90 days I received a call from a account representative and we set a payoff date and agreed no other charges would come out of my account until then.  American First Finance  took money out of my account before the payoff date. My  Visa  card which we agreed was going to be used for  a one tim e payment only had money took out of it 3 times 2 times was unauthorized.  XXXX   XXXX  I had a call from the company I asked to speak with a supervisor so that we could try and settle the account. The representative was rude put me on hold for  20  minutes then said there was no supervisor available and she would schedule a call back for  XXXX  the call never came and I never talked to a supervisor. The calls continue to come the reps was loud and argumentative.Due to the fact that I could not speak with a supervisor and the rep was argumentative, I told her to cease all call activity and only communicate with me threw us mail and the calls still come.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I have no knowledge of this hard inquiry which was a result of identity theft which must be removed no later than 4 business days as per 15 U.S.

Code 1681c-2 made on my credit report for Capital One Bank USA on XX/XX/2022.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is misreporting a balance to all three bureaus on a balance that was forgiven. Please see the attached 1099. This balance was should be reporting to the three bureaus as {$0.00}
Consumer complaint received 2023-10-17
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: STATE EMPLOYEES CREDIT UNION (NC)

I seen a hard inquiry on my report from my SECU bank that I did not make and after speaking with my bank the third time they told me someone applied for a XXXX $ loan online. The inquiry date is XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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. (MI)

XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 captial one I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-10-17
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. (IN)

ALL of these regular inquiries need to be removed from my TransUnion credit report as I am a victim of identity theft and fraud. Please remove these inquiries from my TransUnion credit report listed below Regular Inquiries More Info + Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Type Individual I have already tried to contact the company. They can not remove the inquiries all of those companies said that TransUnion are the people that HAVE TO REMOVE THEM FROM MY CREDIT REPORT. THEY DO NOT HAVE ACCESS TO THAT ONLY TRANSUNION DOES.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CT)

I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to Ocwen and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XX/XX/XXXX and was told it would be resolved in a few days My current mortgage company called them again on XX/XX/XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.
Consumer complaint received 2023-10-17
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. (IN)

ALL of these regular inquiries need to be removed from my TransUnion credit report as I am a victim of identity theft and fraud. Please remove these inquiries from my TransUnion credit report listed below Regular Inquiries More Info + Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual I have already tried to contact the company. They can not remove the inquiries all of those companies said that TransUnion are the people that HAVE TO REMOVE THEM FROM MY CREDIT REPORT. THEY DO NOT HAVE ACCESS TO THAT ONLY TRANSUNION DOES.
Consumer complaint received 2020-07-30
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: EQUIFAX, INC. (MS)

I am contacting you to inform you that I have several accounts that are listed on my credit report that I did not open. I have asked Equifax to delete this information but they have not. I am contacting you to have these accounts for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.