davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to inform you about my recent interaction with Experian regarding inaccuracies on my credit report. On XX/XX/XXXX, I contacted Experian concerning incorrect information on my credit report, and to date, they have not responded. I am providing the details of the inaccurate information and the necessary corrections below : Inaccurate Account Information : The following account was never late : Creditor : XXXX XXXX XXXXXXXX Account Number : [ Account Number ] Date Opened : XX/XX/XXXX High Credit : {$320.00} Please correct/update this inaccurate information on my credit report. 

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

The following account is not mine : Creditor : XXXX XXXX XXXX Account Number : [ Account Number ] Date Opened : XX/XX/XXXX High Credit : {$150.00} Please remove it from my credit report.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found this account XXXX account number XXXX on my credit report that were not opened by me. Also three addresses that does not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

I am filling this complaint to JPMCB AUTO for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found this account XXXX account number XXXX on my credit report that were not opened by me. Also three addresses that does not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

I was involved in a business scam and submitted a dispute with Wells Fargo. The dispute was declined and it was suggested the charge was valid. I escalated the case to the executive office for review and reiterated the cause particulars of the business scam which resulted in a {$2600.00} charge to my Wells Fargo credit card. It has been more than 90 days and the executive has not responded to my business scam complaint.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contacted TransUnion, XXXX XXXX, On XX/XX/2023 regarding the inaccuracies on my credit profile. Wrong Names Wrong Addresses are reporting on my credit profile. however no action was taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I provide proof of my current address and they still have all the old addresses listed. 

I also asked for all negative impacted information remove.
Consumer complaint received 2018-05-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Missed 1 payment in XX/XX/2018, daily calls multiple times still continued even after payments are being made. Most calls ignored/sent to VM during business hours, but some were answered and each time I said to stop calling my number. The calls persisted until I called them up and complained, when I was laughed at and threatened with repossession for only missing the 1 payment.
Consumer complaint received 2023-11-13
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. (GA)

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I reject your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Collection {$1500.00} XXXX XXXX Charge-off {$0.00}
Consumer complaint received 2022-11-26
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. (IL)

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.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found this account XXXX account number XXXX on my credit report that were not opened by me. Also three addresses that does not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX twp and XXXX XXXX XXXX. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to express my concerns regarding the accuracy of my credit report as provided by Equifax. On XX/XX/XXXX, I initiated contact with Equifax to address the presence of incorrect information on my credit report. To date, I have not received any response from Equifax. I wish to outline the details of the erroneous information and the necessary corrections : The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} Request : Please remove this account from my credit report. 

You are reporting the XXXX account inaccurately : Date Opened : XX/XX/XXXX Reported Balance : {$5200.00} Discrepancy : I recall the balance being lower. 
Request : I kindly request you to delete the Past Due information for this account, as it should not be reported due to its closed and charged-off status. Additionally, I request that this account be marked as disputed to prevent any adverse impact on my credit score. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$58.00} Request : Please remove this account from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Request : Please remove this account from my credit report.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I am writing to file a formal complaint against Experian for reporting unlawful information and accounts on my credit report. Despite numerous attempts to rectify this situation, Experian has failed to comply with federal law and I believe they need to be held accountable for their actions. 
I recently discovered that there are several accounts listed on my report that are not mine and have never been authorized by me. These accounts have negatively impacted my credit score and have caused me significant financial harm. 
I have contacted Experian multiple times to request that these accounts be removed from my report, but to no avail. They have failed to provide me with a satisfactory resolution and have not followed federal law in their handling of this matter. As a result, I have decided to escalate this issue to the Consumer Financial Protection Bureau. 
I am seeking your assistance in resolving this matter and ensuring that Experian is held accountable for their actions. I believe that they have violated my rights as a consumer and have caused me undue stress and financial hardship. I am requesting that Experian be required to remove the unlawful accounts from my report and that they be held accountable for any damages that I have suffered as a result of their actions. 
Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-24
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to file a formal complaint and dispute regarding the inaccurate information on my Equifax credit report. On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$20000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} Original Creditor : XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I have been trying my best to get this account by Experian updated. I even paid XXXX different credit repair companies to update the information and no one could fix it. I tried to even fix it myself. I ask XXXX to send me over to monthly statement from back then so I can show them how they are wrong. XXXX made the error of not updating my account back when they did not receive my payment and I was not my fault. XXXX refund my late fees which will show up on my credit card statement all three times. Because the account use to be a XXXX credit card and XXXX took over the account. I can not get the creditcard statment from back then. XXXX told me the system do not go back that far. If it do n't go back that far how are they able to prove this was a valid late account. I want might credit card statement from back then so I can prove I was not my fault when the account was late 3 times. This was the reason why I changed my payments to be done online. And there was no more problems after that. How can you prove anything if the citicard company wo n't give me my statements. Because Experian is the only one reporting this as a late account without any proof of documents I find it to be their fault. Experian should ask for the credit card statement to prove the late dates. So I can prove it was not valid late account to be reporting it to the agency. I attached account document from experian to show you the account I am talking about XXXX Credit Card Account XXXX. I use to be a XXXX account.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

On XX/XX/year> i received a XXXX XXXX  lump sum settlement in my M and T checking account from XXXX. I went into a XXXX XXXX branch to make a withdrawal and was told by branch manager funds would clear the next day as he had verified the funds. On XX/XX/year> at XXXX i called M and T customer service department to inquire about a XXXX increase and the respresentative told me i would have to wait 7 days. Upon ending the call my online account was blocked and i was told by the fraud department that i needed to go to a branch so i went back to M and t XXXX XXXX branch and a representative at the branch called in to fraud department and got the block removed. I made a withdrawal from the bank branch and i made a XXXX tranasaction and my online account was blocked and i am blocked from making transactions AGAIN. I called m and t customer service and was told i needed to step into a branch again. On XX/XX/year> i went to m and t bank in XXXX XXXX XXXX XXXX and the representative called the fraud department to try and get the block cleared and was met with an email saying that i need to provide an ach paystub or statement with the recent deposit amount or they will not remove the block from my account even though a branch manager had called and verified my funds 2 days prior. I think i am being profiled as the person who did the block is a XXXX woman and it is clear by my XXXX name that i am a XXXX woman.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I mailed dispute letters on XX/XX/year>, XX/XX/year> and XX/XX/year>. I have not received any responses other than letters accusing me of working with a credit repair company from XXXX. I need the results of the investigation that should have been sent to me within 30 days of my dispute dated XX/XX/year>.