davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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. (FL)

I called your department after I purchased a credit report with XXXX XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a fraudulent account that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this fraudulent account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEM : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been trying to dispute fraudulent information on my credit report for months The accounts were opened in result of fraud The Fair Credit Reporting Act mandates that all credit bureaus report only valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. They are not cooperating with me at all. 

Several attempts to verify and dispute fraudulent information on my credit report have been unsuccessful. The credit bureaus are not even attempting to verify the information I am disputing and have not responded back to my request to delete the information from my report
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Collections did not provide me the original application contract. And have been negatively reporting to XXXX and TransUnion my consumer credit reports. I demanded to removal of this negative account immediately. The others were unauthorized credit inquires. 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Good day, I'm reaching out to have the following items changed on my credit report I kindly request the immediate change. 

Name : XXXX XXXX XXXX XXXX of birth : XX/XX/ Address : XXXX XXXX XXXX XXXX MI XXXX Employers : None Please remove all previous addresses ( i never lived there ) Remove all " Also Known as ''
Consumer complaint received 2024-01-05
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: Mid-South Adjustment Co., Inc. (AR)

I was trying to buy a house and I realized I have damages on my credit report according to the 15 USC 1681 law the should not be any damages on my report its a defamation to my character
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC (NY)

Received a payment thru zelle, my zelle account has been verified for years as is the sender 's, they are now starting to hold funds without permission or notice. Anywhere from a day to 6 or more days. This is supposed to an instant payment system and now they've taken it upon themselves to hold the money while they make interest on and I am waiting for my " instant payment '' for days.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (IL)

The presiding XXXX XXXX Circuit Court Judge entered a Summary Judgment in 2015 that dismissed Discover Financial Services claim. Discover has persisted in efforts to collect this debt & declined to remove this baseless claim from my XXXX credit report.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number 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
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2023 I was contacted by multiple unsolicited lenders after putting in information with XXXX XXXX to compare my loan rates that I had started with XXXX XXXX. XXXX XXXX XXXX was one of those companies, represented by XXXX XXXX. He proceeded to ask me questions and I asked was this a recorded line as he stated. I asked if it was possible to run a soft inquiry to prevent from hurting my credit any further, as XXXXXXXX XXXX XXXXXXXX stated that they were able to. XXXX XXXX proceed by saying no they can not run a soft inquiry. At that time I requested that XXXX XXXX XXXX Do Not run my credit. Two days later I got an alert that XXXX XXXX XXXX  ran an unauthorized hard inquiry against my consent. I contacted TransUnion to file a complaint online contesting the inquiry and attempted to contact XXXX online but wasnt successful in logging in or vice versa on XX/XX/2023. I contacted the company directly after receiving another call at XXXXXXXX XXXX  from another representative from XXXX XXXXXXXX XXXX soliciting information. I informed this representative XXXX XXXX who claimed to help provide answers but instead I received information in email regarding an unauthorized account that needed activation. I called XXXX XXXXXXXX XXXX  directly to ask that they provide me a copy of my authorization to run my credit because it wasnt given. After listening to the customer service representative and not getting any answers or results in my request, who claimed to help me file my complaint with her company, prompted me to file an official complaint here.
Consumer complaint received 2024-07-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc. (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2017-12-21
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: Midwest Recovery Systems (FL)

I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to formally dispute the inclusion of a bankruptcy on my credit report, which I believe to be inaccurate as it has been discharged for eight ( 8 ) years.

I have carefully reviewed my credit report and have identified the aforementioned bankruptcy entry that I believe is outdated and should no longer be reported. According to my records and the Fair Credit Reporting Act ( FCRA ), bankruptcies are generally supposed to be removed from a credit report after seven years.

Upon thorough examination of my financial history, I am confident that the relevant time frame for reporting this bankruptcy has elapsed. I kindly request that you investigate this matter promptly and provide me with the results of your investigation. 

If, after your investigation, you determine that the bankruptcy entry is indeed outdated, inaccurate, or not in compliance with the FCRA, I request its immediate removal from my credit report. 

I appreciate your attention to this matter and your prompt resolution. Please notify me in writing of the results of your investigation within the time frame required by law. 

Thank you for your cooperation and prompt attention to this matter.
Consumer complaint received 2023-04-21
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. (NC)

After reviewing the results of my dispute I am not confident that the bureaus investigation was accurate and complete in accordance with Metro 2 data field formatted reporting standard. Along with not being in accordance with FCRA 623. As well as multiple violations under 15 USC 1681 ( 15 U.S.C. 1681 Section 602, 15 U.S.C. 1681 Section 604 A Section 2, 15 U.S.C. 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ) ). In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights under the statutes listed above. 

The creditor has received payment for the accounts as a charged off and is now reporting my earned income. Please remove these accounts immediately as the information being reported is in accurate and violates my rights under the FCRA.
Consumer complaint received 2023-11-15
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. (MI)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (GA)

There was a payment made in the amount of {$200.00} due on the XXXX of XXXX paid on the XXXX of XXXX. Because the payment was returned, due to paying it from a wrong checking account on my end, they marked me as 30 days past due as of today. I checked the check information on the terms and conditions and I did not see that this would happen.
Consumer complaint received 2023-04-21
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. (NC)

After reviewing the results of my dispute I am not confident that the bureaus investigation was accurate and complete in accordance with Metro 2 data field formatted reporting standard. Along with not being in accordance with FCRA 623. As well as multiple violations under 15 USC 1681 ( 15 U.S.C. 1681 Section 602, 15 U.S.C. 1681 Section 604 A Section 2, 15 U.S.C. 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ) ). In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights under the statutes listed above. 

The creditor has received payment for the accounts as a charged off and is now reporting my earned income. Please remove these accounts immediately as the information being reported is in accurate and violates my rights under the FCRA.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NC)

XX/XX/2024, I called to inquire about the only charge on the account. Which was {$5.00}. I was told it was the cost to maintain the account. They allege they notified me of the charge via email and have been billing me since. I did not recieve a notification, and since they allege it was apart of the agreement and essentially is their version of an annual fee but monthly ( {$60.00} ). I did not dispute it and since i did not catch it earlier I figured it was my oversight. 

So, XX/XX/2024 a new card arrived and i went to activate it and noticed the fee has increased from {$5.00} to {$7.00}, along with the already high increase rate which is not clearly labeled on the statement any where. I call and they used the same line, we emailed you of the changes. Which was not the question I asked. I stated i never received any notification in writing regarding the changes. I also restated my question. Why were the fees increased on my account? I confirmed there were no late payments, the payments were above the minimum, etc. The representative stated that i could opt out of the increase which i promptly indicated i wished to opt out of the increase. He then states by opting it essentially closes my account. I explained wanted to opt out of the increase. He transfered me to another rep who stated she was advised i wanted to close my account for which i corrected and stated I wish to opt out of the increase in fees and charges. She places me back on hold and transfers me to anotherassociate. 

I asked if the call was being recorded at which time she could no longer speak to me because i said the call was being recorded. I countered with you all are not listening i asked if you all were recording the call. Her response then was they were not. So, i said to type this in my file. " I am reporting your frauduent and abusive behavior to the FCC. '' Not realizing it was another department that manages complaints. 

I am being taken advantage of as an XXXX XXXX by a financial institution who charges to increase your credit line, monthly maintence fees, and exoribant late fees. 

The increase rate and mainenance fees should remain constant on accounts in good standing.

Aspire Credit Card issued by XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

Subject : Unauthorized Transaction and Delayed Resolution on Wells Fargo Business Account Case Number XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint regarding an incident involving my Wells Fargo business account, which is linked to my personal account. On Tuesday, XXXX XXXX XXXX  a transaction involving the cashing of a {$5000.00} check was conducted without my authorization. I was promptly contacted by a representative from the Wells Fargo Fraud Department to verify if I had authorized this transaction, to which I responded negatively. 

The representative acknowledged that the transaction was an error on the part of Wells Fargo and assured me that the funds would be reinstated into my account by the following day. However, upon checking my account, I discovered that the funds had not been returned as promised. Subsequent communication with the Fraud Department revealed that the matter was under investigation, and they admitted their fault once again. They informed me that the funds could not be restored to my account until the investigation was complete. 

I was provided with the case number XXXX but have since experienced significant delays in the resolution of this matter. The primary issue at hand is not the initial mistake, but the failure of Wells Fargo, a XXXX dollar company, to promptly rectify the error by reinstating the funds during the ongoing investigation. This delay has caused substantial inconvenience, impeding my ability to fulfill payroll obligations for my employees, as the {$5000.00} in question was crucial for these operations. 

I am seeking an immediate and thorough investigation into this matter, along with the prompt restoration of the {$5000.00} to my account. The urgency of this issue can not be overstated, as it directly impacts my business operations and the livelihood of my employees. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (IL)

I rented a U-Haul truck and part of the charge was for mileage at XXXX per mile. I drove XXXX miles which is {$110.00}. My move from address was XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and the move to address was XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This is approximately XXXX miles. But I was charged {$550.00} which is XXXX miles. I logged a case with XXXX, reference XXXX and have received no response. I disputed the amount online with XXXX and have received no response.
Consumer complaint received 2023-04-12
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. 


Personal information : Wrong name Variations XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. The only correct name is XXXX XXXX XXXX. 
Other incorrect personal information are wrong phone numbers ; ( XXXX ) XXXX, ( XXXX ) XXXX. Other wrong personal information are addresses ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX, MA XXXX. My only correct address is XXXX Kings XXXX XXXX XXXX, FL XXXX. 

the following accounts are also fraudulent and need to be removed off my credit reports ; XXXX  XXXX XXXX XXXX XXXX ( {$550.00} ), XXXX XXXX  XXXX XXXX XXXX ( {$2800.00} ), XXXX XXXX # XXXX ( {$260.00} ), XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ( {$1300.00} ), XXXX XXXX XXXX- XXXX XXXX ( {$750.00} ), XXXX XXXX XXXX # XXXX XXXX {$820.00} ), XXXX- # XXXX ( {$2700.00} ), XXXX # XXXX ( {$12000.00} ), XXXX XXXX # XXXX XXXX {$600.00} ), XXXX XXXX # XXXX XXXX {$460.00} ), XXXX  XXXX XXXX # XXXX XXXX {$720.00} XXXX, XXXX XXXX  XXXX # XXXX ( {$700.00} XXXX XXXX XXXX XXXX # XXXX ( {$5900.00} ), XXXX XXXX # XXXX ( {$2700.00} ), XXXX XXXX # XXXX ( {$1700.00} XXXX, XXXX XXXX # XXXX ( {$970.00} ), XXXX XXXX XXXX XXXX # XXXX ( {$140.00} ), XXXX XXXX # XXXX ( {$5600.00} ), XXXX XXXX # XXXX ( {$780.00} ), XXXX XXXX XXXX # XXXX ( {$2800.00} ), XXXX # XXXX, XXXX XXXX XXXX ( {$820.00} ), XXXX XXXX  # XXXX ( {$1700.00} XXXX XXXX XXXX XXXX  # XXXX ( {$8000.00} ), XXXX XXXX # XXXX ( {$970.00} ), XXXX XXXX XXXX XXXX XXXX ( {$2400.00} ), XXXX XXXX  XXXX # XXXX ( {$10000.00} ), XXXX XXXX XXXX # XXXX ( {$10000.00} ), XXXX XXXX XXXX # XXXX ( {$600.00} ), XXXX XXXX XXXX # XXXX ( {$120.00} ), XXXX  # XXXX ( {$370.00} ), XXXX  # XXXX ( {$970.00} ), XXXX # XXXX ( {$1700.00} ), XXXX # XXXX ( {$8000.00} ), XXXX  # XXXX ( {$10000.00} ), XXXX XXXX XXXX ( {$600.00} ), XXXXT # XXXX ( {$120.00} ) 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 2024-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Settlement only paid me XXXX something dollars and never told me why I was paid that ount. I banked with them more than 10 years ago.