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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
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 am writing to express my deep frustration and dissatisfaction regarding the handling of fraudulent items on my credit report despite numerous attempts to follow up and resolve the issue. 

This repeated failure to address the issue is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my creditworthiness and to safeguard against potential identity theft or financial fraud. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-04-06
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX  Balance {$16000.00} XXXX XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$1700.00}
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-12-12
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. (TX)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-07
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. (TX)

in accordance to the fair credit reporting XXXX  account XXXX, XXXX, have violated my rights 15u.s.c 1681 section 602A states i have a right to privacy.

15u.s.c section 6042 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-06-13
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. (NY)

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXXXXXX  my husband and I opened an account with Citizens Bank in XXXX XXXX We deposited XXXX cash and a check from one of my husband 's clients in the amount of XXXX dollars. A few days later we received a notice from the Fraud and Claims Department saying, " Some of the information on the check is not consistent with other information on the check. '' They said they would release the funds on XXXXThis did not happen. When I called the Customer Service department, they said they would be released the next day. The funds were not released. We received a second letter saying the funds would not be available until XX/XX/XXXX for the same reason. Both of these notices were signed by the fraud department. When we spoke to a supervisor at Customer Service, they said all Citizen funds had to go through the Federal Reserve and it was being held on their end and there was nothing they could do about it. I called the Federal Reserve, the representative was adamant that no, they had nothing to do with holds on private accounts- ever. He gave me your number and said for me to contact you right away. That the longest they could hold our money was 8 days. We have since learned that the only way the bank can hold your money is if they believe it's fraudulent. We also learned from the Citizens customer service supervisor that she is dealing with calls like ours every day. Multiple times a day. I have been online and seen complaint after complaint of customers going through this very thing. My husband, XXXX XXXX, who the check was made out to, is a Fraud Examiner, and believes this is a pattern and practice. If the deposit is over a certain amount, its just flagged by the fraud department in order to hold a customers money as Citizens is under pressure to increase their liquidity. This, according to reports on XXXX news. Finally, we contacted the bank the check was drawn on and they sent us a copy of the check that had cleared on XX/XX/XXXX. Before they even sent the first letter, they had the funds. We have a picture of the check. There were no inconsistencies on the check. When my husband tried contacting the banks compliance officer the number provided didnt even ring, it just clicked. He finally contacted the man on linked in. He said he had left Citizens four years ago. He believes this is a pattern and practice, which constitutes fraud and that a criminal referral should be made to the FBI. I just need our money. I have a mortgage and an XXXX mother who I help support. I would appreciate any help you can provide. Thank you.
Consumer complaint received 2024-05-29
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: Experian Information Solutions Inc. (IL)

I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to XXXX XXXX, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

Dell account compromised on XX/XX/XXXX, fraudulent laptop order # XXXX to be sent to XXXX XXXX at a fake address at XXXX XXXX XXXX, XXXX XXXX, XXXX. Requested to close Dell account with Dell associate from XXXX confirmed over the phone he has closed the account to prevent future fraud attempts. Also contacted XXXX XXXX Police Department on XX/XX/XXXX making a police fraud report with Dell laptop. Notice from dell for billing for the amount {$2100.00} on Dell account # XXXX, creditor Comenity Capital Bank. XXXX XXXX XXXX, XXXX, OH XXXX. No auth signature for receiving the laptop from Dell. Dell claims another package was dropped off at my house at XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX where criminal suspects waited received the laptop they ordered by accessing my account where they used a different cell # on file on my online dell account.Poor quality Dell customer service lead me to purchased a XXXX XXXX XXXX model laptop from XXXX, at XXXX XXXX XXXX, XXXX, Ca XXXX on XX/XX/XXXX, XXXX bought in XX/XX/XXXX order # XXXX XXXX XXXX : XXXX. I disputed the case requesting for a refund or replacement with secure pickup at carrier with photo ID Auth & sign, Dell & Comenity Capital Bank denied my attempt for a settlement.
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit is trying to sue me for a {$1200.00} debt that isnt mine I then closed the account when I found out and they told me it was closed then the summons came.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CO)

I had a Comenity Capital Bank Ultamate Rewards credit card for a few years, paid it off, then closed the account on XX/XX/XXXX. I asked for a letter from Comenity bank stating that the account had been closed with a XXXX balance. I received that letter in XX/XX/XXXX. In XX/XX/XXXX I received another credit card in the mail with the same account number as the one I had closed. I had not asked for this credit card account to be re-opened and had not authorized it. It was done without my consent and without my knowledge. I had Comenity bank close the credit card account a 2nd time on XX/XX/XXXX and had them send me a letter confirming that the account is closed. I am afraid that it will be re-opened again without my knowledge and need to know what to do to not be a victim of fraud in this way.
Consumer complaint received 2023-09-21
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. (AZ)

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 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-05-20
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. (AZ)

See attached. Identity Theft Report and Report FRAUD to FTC attached. Fraudulent Credit Card Takeover by XXXX XXXX CREDIT CARD FRAUD posting false billing line entries & not my legal responsibility for their FRAUD. My credits are not charge offs.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

I was issued a {$1100.00} payment by a random person via PayPal. I conferred with multiple people who said it is likely a chargeback scam and told not to withdraw the funds. I reported the transaction to PayPal immediately. I then received notifications that my ticket was closed and a ticket on the sender side was still open. I then received an automated response to reimburse the funds. I tried speaking to a human but PayPal never contacted me. Approximately 6 weeks later, I receive an alert that a {$15.00} dispute fee was charged to me. My balance upon checking was {$1100.00}, after an anticipated {$17.00} payment. After trying to contact PayPal again, my balance dropped to {$2.00}. I never withdrew any funds, but seems like I was penalized for being defrauded. PayPal 's refusal to explain the situation and profit off of possible scam victims is patently unethical.
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

My identity was stolen around XXXX to XXXX. A XXXX account was opened in my name. I have never been a XXXX customer. I have attempted to resolve this issue with XXXX in XXXX by contacting their fraud dept and submitting the required dispute form, my ID, and a police report. Nothing was ever done. I began receiving debt collections notices from a company named XXXX in XXXX. An account for the amount of {$1400.00} appeared on my credit report under the name XXXX in XXXX. I fi led a fraud report with XXXX, and the three credit agencies. Again, nothing happened. As XXXX I have now began receiving debt collection letters for the same amount of {$1400.00} from XXXX XXXX. I have never been a customer ofXXXX I did not open this account. My identity was stolen. I am not responsible for this amount or account. i will not be paying it.
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

What Happened? 

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Wells Fargo regarding an unauthorized chargeback that caused me significant financial and psychological harm. 

Please see the attached PDF file containing all relevant documents and evidence.
Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (FL)

On XX/XX/XXXX, four US Postal money orders were mailed to Southern Management Systems and the expected arrival was XX/XX/XXXX ( which the company has confirmed was received when asked during a phone call on XX/XX/XXXX ). On each money order, the account number, address of Southern Management Systems, two Uniform Commercial Codes ( 3-603 and 3-311 ), a provision note and a signature without recourse. On three of the US Postal money orders sent, the provision note states I accept your offer in the amount of {$1000.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. On one of the US Postal money orders sent, the provision note states I accept your offer in the amount of {$480.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. On XX/XX/XXXX at XXXX, a conversation was held with representative named XXXX XXXX During this conversation, I asked to confirm that the payment was received and she reassured me that it was. However, she also informed me that the payment was rejected because of the value of how much each US Postal money order costed. Each provision note on each US Postal money order was completely ignored, which proves that the company Southern Management Systems and its representatives are not knowledgeable with the Uniform Commercial Codes, accord and satisfaction, and tender of payment. This is unexpectable giving that Southern Management Systems is an establishment that handles payment via online link and mail, but yet the Uniform Commercial Codes was NOT honored when my payment was received and reviewed, given that the Uniform Commercial Codes is a set of laws that governs all commercial transactions in the United States. UCC 3-603 acknowledges tender of payment and UCC 3-311 acknowledges accord and satisfaction by use of instrument.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

So I was XXXX XXXX XXXX XXXXXX/XX/XXXX up until XX/XX/XXXX and my card was used and paid for through these months. I don't want to explain too much so I have added documents showing my XXXX  date, ( Day of XXXX ) and my XXXX date. The day I was held until. Therefore that shows where I was, when and how long. I have added a few documents but I had not made a payment personally since before XX/XX/XXXX. After that date I was struggling with legal problems and had went to XXXX XXXXXXXX after another. I was not home, I did not have any of my cards or phones. I couldn't access my emails and phone numbers and I had no access to the XXXXXXXX XXXX Therefore I don't know who used it when they did. If they made payments for a little while or not and then they maxed out and just stopped making payments. 
Now so that you know I was back home at the date I was released on XX/XX/XXXX. This is when I finally returned home and a week or so later I found out about this credit line and how much I owed. I made a {$20.00} payment out of confusion and wanting to resolve this, but later I investigated and seen that there had been transactions and what not that I did not make. So that's why I'm here again reporting and disputing this account once again because I need to resolve this. I will pay back what I owe but {$880.00} is not what I owed. My credit limit was only {$400.00}. As you can see there must be a lot of fees and whatnot because of no payments and I'm very stressed out about this as my credit is very important to me. I'm only XXXX XXXX XXXX and I've always did my best to spend what I can afford and make on time payments. I can not have this report remain on my credit as it was fraudulent 100 % I'm very thankful for anyone who looks into this and I will leave another message down below. Thank you for your time.