davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (TX)

This is not a duplicate complaint. 
This is the third complaint I have filed with Experian relating to a loan that was taken out fraudulently. Experian customer service representatives, more importantly, fraud special services, did nothing more than contact the US Department of Education and asked if this was my loan. They were told yes. This is all that they did with an investigation dealing with fraud. I was told the social security number must have been a mis-type, even after submitting a deposition and other supporting evidence which explained that the last number was changed. 
Not to mention no one took the time to read over the information provided. They asked for a police report, I submitted a deposition with the State Department of Texas, but apparently they are more concerned with semantics that actually taking the information into account. I was told they could not read what was uploaded, so I spent several hundred dollars sending copies of the same information through the mail. No one bothered to contact the school to ask for student records or identification of the student, because it would have clearly proven it was not me. 
I sent copies of my identification my social security card, address, etc, and none if that was considered. I do not believe they contacted the US DEPARTMENT of Education, bc if they did, they would not have been able to locate the information based off my social security number. I also do not understand how someone can apply to XXXX XXXX with out an actual social security card. 
This loan shows it is in good standing. 
It is current and it is being paid on time. 

How is it possible for Experian to put this on a credit report when it's twenty-three years old and has never been paid. 
How can Experian so grossly neglect the fact that the social security number does not match my social security number. How after so many years, can Experian just place an item on a report with out looking at the numerous discrepancies and not inquire about the situation. This was never listed on any credit report prior to last XXXX. 
I am uploading the letter from the Servicer of The Federal Perkins Loan. This is a letter that states it is not mine and that the credit reporting agencies would be contacted to have it removed. Experian, still has yet to remove the item.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts were not initiated by me, and I strongly believe they are fraudulent. I kindly ask that you conduct a thorough investigation and remove them from my credit report accordingly. I have provided documentation to support my claim.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX XXXX sent me a letter stating that they are no longer collecting on this debt and it will be deleted from all credit reporting agencies. Please see attached letter as proof.
Consumer complaint received 2023-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AK)

I am a victim of Wells Fargo Mortgage and should be included in the recent settlement between CFPB and Wells Fargo due to the bank 's " illegal practices, including ... ... incorrect fees and interest charges. '' However, I never received any notice from Wells Fargo about this settlement. 

I submitted a complaint to CFPB on XX/XX/2017 ( case # : XXXX ) but was closed by CFPB without any solution.
Consumer complaint received 2023-10-12
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. (MD)

I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these inquiries from my credit report as they are impacting my creditworthiness. 

To assist you in your investigation, here are the inquiries that I am referring to : -- TRANSUNION -- XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -- XXXX -- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is knowingly reporting my personal information wrongly even though Ive sent government documentation multiple time as proof showing their inadequate reporting. It is my understanding standing that a lawsuit was file against Experian and was order to pay fine of millions of dollars for intentionally refusing to remove inaccurate name & addresses others disputing also like myself for the sole purpose of financial gain.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

In around XX/XX/2023 I submitted an identity theft report to XXXX and Equifax via upload service, to block and remove fraudulent accounts as a result of identity theft, as identified in USCS 15 SECTION 1681c-2 BLOCKING INFORMATION. I provided a social security card and Driver 's License. Although after calling both reporting agencies the following week of XXXX of XX/XX/2023. 1st XXXX. " Specialized Fraud Team in which I was told that we reviewed your Fraud Dispute and determine that my FTC report does not meet our requirements and was not blocked, I was also told that contact the furnisher of the information to resolve it. So On Equifax Side I was advised that it will take 30 days to removed which is our policy but keep in mind Equifax disregarded 15 SECTION 1681c-2. Nevertheless, I tired of going back and forward XXXX should have learned it's lesson in a Case in 2021 XXXX V. RAMIREZ IN A SIMULATOR SITUATION. I WANT JUSTICE AND I WHAT THESE ACCOUNTS REMOVE AS REQUIRED BY LAW IN THE TIME FRAME BOTH I WAST XXXX AND EQUIFAX TO HAVE FINES AND PENALTIES APPOSED BECAUSE I HAVE ALL THE EVIDENCE ATTACHED
Consumer complaint received 2018-09-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

To whom it May concern, My delay in payment started after hurricane Harvey where I was out of work for a week and then when work started back we were not at full production at the plant where I was working at which I was under payed for 2 weeks. At that time I spoke to XXXX XXXX about Hurricane Harvey Relief in XX/XX/2018 in which I started my forbearance The Bank of America ( BOA ) rep called me each month where she stated that the calls were recorded and informed that my loan was a VA loan and the payments would go on the back end of the loan. Then in XXXX it was extended for another 90 days in which I would start my first payment XX/XX/2018 which I was paying until XXXX XXXX payment for XX/XX/2018 was denied because my account was in foreclosure status. At this last conversation in XX/XX/2018 XXXX XXXX stated that the terms changed and I will have to pay for the past 6 months in full. I was then confused because that was not we talked about .The forbearance payment should have gone on the back end of the loan when the loan matures at the final payment. During the forbearance the letters that I got in the mail XXXX told me to disregard because my payments would go to the back of the loan.When I tried to make last payment in XX/XX/2018 I was told that I could not make my payment and my account is in foreclosure.I XXXX and XXXX XXXX never got a certified letter from Bank of America.I just received the documents that I requested back in XX/XX/2018 after I talked to XXXX XXXX in XX/XX/2018. If these calls were recorded please listen to each and assist in this important matter.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (TN)

On XX/XX/2018 I was detained by the police from my vehicle and taking to prison. I left my wallet with my identification card and social security card, XXXX XXXX card, XXXXXXXX XXXX Card inside it in my vehicle. I was release from prison XX/XX/2018. I discovered shortly after my release my vehicle was burglarized and my wallet and my phone was stolen. I immediately called American Express to cancel my card and I filed a dispute with them that day and I filed a police report the following day. I certified mailed my police report, prove of incarceration form, photos of my burglarized vehicle, FTC report and declaration of fraud form in on XX/XX/2018 to their corporate office in XXXX XXXX Utah. I also fax American Express Serve Team the police report and upload all documents listed previously to their website around that time as well. All documents was submitted before the 10 business day provisional credit period. On the XX/XX/2018, I received an email of denial of my claim. The representative explained to me upon calling, my claim was denied due to a merchant validating that a tranactions was valid. I spoke with each merchant neither of them confirmed validating any charges with American Express. I also contacted the American Express CEO XXXX XXXX and the executive department regarding this claim. They claim they was going to look into it but they have yet to resolve the issue as well. The Dispute amount is XXXX. I really need this issue resolved and those funds reversed to my account as quickly as possible. Thank You.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-08
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished.

FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts.
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (MO)

I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-09-25
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. (MD)

Transunion has my name on my report as a junior. I've been disputing for a while, with no change. I informed them I would be contacting the Federal Trade Commission and they retaliated and dropped my score XXXX. I have no lates or missed payments
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX XXXX IS CURRENTLY AFFECTING MY CREDIT FILE NEGATIVELY. I HAVE NO INTERNATIONAL MARITIME CONTRACT WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT EVER AUTHORIZED NOR GAVE PERMISSION TO XXXX XXXX XXXX  TO REPORT ANYTHING ON MY CREDIT FILE. ANY IMPLIED AUTHORIZATION AND/OR PERMISSION GIVEN WETHER WRITTEN, UNWRITTEN, VERBAL, AND/OR NON VERBAL IS EXPRESSLY REVOKED. ALL THE ABOVE IS TRUTH UNDER PENALTIES OF PERJURY. 

XXXX XXXX XXXX BENEFICIARY AUTHORIZED REPRESENTATIVE
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$48.00}.
Consumer complaint received 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MN)

On XX/XX/XXXX I received a text alert from Synchrony Bank fraud department ( the bank that runs my Venmo Visa Credit Card ) about potential charges. I denied the charges. 
I was alerted of XXXX charges at once via text ( XXXX ) I replied XXXX denying the charges {$170.00} a XXXX XXXX Over {$6400.00} at Dal Tile And a approved charge, greater than my credit limit, {$3200.00} also at Dal Tile. 
( My credit since I got the card Im XXXX of this year, XXXX, had been {$2000.00}. I received no notification or confirmation of this increase. Venmo told me the increase happened the day of the fraud charges ) I was auto called by the fraud department. I Denied the charges being me. The person I spoke to someone who needed to have me send a video of me and my ID in video via a link- the app link would not work and he could verify my identity in any other way. So couldnt get any info. 
I called Venmo to freeze my account and dispute the claim. After repeatedly being told I was not responsible for the charge- XX/XX/XXXX the charge went from pending to complete I called and sent messages to Venmo fraud department again and was denied any info about the case or someone to talk to about it and gather, and or give info. 

My statement showed the location of the XXXX charge from XXXX on my app statement. The location was XXXX VA I contacted the business and spoke to the store manager on XXXX XX/XX/XXXX. He said he has the persons contact info and was looking into and was going to verify the credit card number. As of today XX/XX/XXXX I have not heard back.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX