davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
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: EQUIFAX, INC. (GA)

Ive sent certified letters in more than a year ago and I havent received any response from your company. It shows that your company isnt professional. A business that is professional and doing the right thing will respond in any circumstance. This will be my last time contacting your company to resolve this issue of fraud that was done to my credit file. I am clueless as to how the fraud was done to my credit file. I am only allowing 3-5 days for this matter to get resolve and I am disputing the fraudulent accounts as an internal dispute which means you have a total of 3 days to be exact. This is not a threat its just my credit file has been leaked in several breaches and its your job to investigate how something this fraudulent was placed on my credit file. According to section 609 611 of the FCRA it is said that you must show verifiable original contracts with my signature bearing on to it also, without this you must remove this immediately and permanently. This is my final warning. I have attached a letter of the fraudulent accounts in the attachment section.
Consumer complaint received 2018-08-16
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: Experian Information Solutions Inc. (FL)

I have been attempting to dispute the incorrect items online, the system says I have to do it over the phone. I continue to call and get bounced around and placed on hold. Right now I have been on hold for over 32 minutes and just want to dispute the errors on my report. The reps take my information, then say I need to transfer to a specialist and I end up back on hold. This is frustrating and unfair. I am interested in purchasing a home and cant get them to even take a valid dispute.
Consumer complaint received 2023-04-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MO)

Ladies/Gentlemen : We contacted XXXX from Wells Fargo Customer Service on XX/XX/XXXX, regarding the Wells Fargo Settlement . 

As a result, we are sending this letter to file a claim for our mortgage. 
Starting in XXXX, we consistently tried to obtain a loan modification on our house. We were asked to provide information at one office. We provided this information, then a few days or weeks later, we were asked to provide information to another Wells Fargo office. 
We spent hours on the phone trying to get the loan modified. 
On multiple occasions, we were told that we were very close to completing our loan modification, only to find out later that they couldnt find our paperwork or we had to provide more information. 

Almost a year into the process we tried to get our loan modified by using the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This situation continue to occur until our home was foreclosed.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Please remove these unauthorized inquiries off of my consumer report immediately. They are affecting my credit report and tarnishing my reputation. 

These are the inquiries to have removed immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-20
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX {$710.00}, XXXX XXXXXXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$24000.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX {$12000.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$2100.00}, XXXX XXXX # XXXX {$1400.00} 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 an account without my written instructions.
Consumer complaint received 2023-08-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC. (TX)

I was informed by several people that operate businesses in the same category as mine that Frost Bank would be a good choice for my banking needs, since they had accounts currently operating with this financial establishment. I reached out to my local branch around XX/XX/XXXX, and later had a meeting with the Senior VP of Business Banking XXXX XXXX. I explained my business needs, why I had decided to sever my relationship with XXXX XXXX XXXX, ( keep in Mind I have amazing Credit, zero delinquencies, along with an excellent banking record ). I provided Frost with any requested account information, financials, and a list of all current customers. Upon review of my customer information, Frost decided that they did not feel comfortable opening an account for me based on the fact that my customers were not all in Texas. I don't know who can really operate an only local business and survive in todays economic conditions. The problem I have here is that I know other businesses, exactly the same as mine with Frost accounts and good standing relationship. These business owners also have accounts across the country as I do. Frost is blatently discriminating against my business because it requires me to use my own cash that I must withdrawal from their branches, and they do not want to deal with providing that service to a customer. Very disappointed with a local bank built on the backs of small business owners like myself, not willing to work with me or my business.
Consumer complaint received 2024-03-20
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. (NY)

I am the victim of identity theft. I have reported this information to the credit bureaus and they do not respond to me at all. The information attached here is proof of the theft and the accounts here were not opened or authorized by me as a consumer.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have asked for verification from the agencies that have bought debt that was opened illegally in my name while I was in XXXX, and they have failed to provide me with any information on this. I have submitted documents showing my time living aboard when these accounts have been opened fraudulently. Other debt collectors can not provide me with the original creditor or any other information at the time the debt was attained. 

Here are the companies that are reporting inaccurate and negative information to my credit report, that have failed to supply me with verified information of said debts, and when they were originally opened. 

Name XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address po box XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Per the Federal Law of Inaccurate or Unverifiable Information, I wish this information to be removed from my credit reports and all unverified information and inaccurate information removed from all public records.
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2023-10-25
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. (SC)

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

XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights XXXX XXXX, Has Violated my rights XXXX XXXX, Has violated my rights 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
Consumer complaint received 2024-03-20
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. (FL)

I need immediate update to my personal information : My name should read as XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX XXXX All others should be removed as non-mailable addresses. I have tried to correct over the phone and via disputes and have been unsuccessful. This a violation and I am the consumer and the bureaus are in violation of federal law. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I have an open XXXX XXXX credit card. I got it back in XX/XX/XXXX. It was my first credit card and I was unsure about paying by a certain date and not just any time that month and ended up paying late on XX/XX/XXXX and then I was severely affected by hurricane Harvey and was unable to pay on time in XX/XX/XXXX however I did pay on XX/XX/XXXX and more than the minimum payment was. I called XXXX XXXX XXXX   and asked them if they could remove the late payments after I explained my situation and also since it was severely affecting my credit score. The agent agreed. My credit report still reflects late payment however when I call XXXX XXXX they report no late payments in their system anymore.
Consumer complaint received 2018-08-16
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: Dyck-O'Neal, Inc. (TX)

In late XX/XX/XXXX/Early XX/XX/2018, I requested a debt validation from a collection company and they sent me information from the original creditor. I also submitted a dispute online with all 3 credit reporting agencies, XXXX, XXXX and XXXX. I received a status report that Account information disputed by consumer, meets FCRA requirements. The collection agency then reported on my credit report as an open installment account currently past due 120 and 180 days late. This is not the original creditor and I have never entered a contract with DYCK O'Neal. I tried disputing this with XXXX   again on XX/XX/2018 around XXXX central standard time. They replied that no such dispute ever took place despite me providing the email file number for the dispute. I asked them to send me the information the collection company sent them to verify the account information was accurate. They replied that the company sent no such information to which I replied, then how did you guys agree it was accurate without any information or validation? The supervisor, XXXX XXXX, then stated it was NOT a collection account but the original creditor, which is FALSE. Dyck O'Neal is a collection company and should not be able to report monthly current past due late payments nor represent themselves to the credit reporting agency as the original creditor. XXXX  refused to do anything but dispute it again. They stated it was not their job to investigate disputes and whatever the creditor told them, they simply report.
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clear Recovery, Inc. (TX)

Clear Recovery , IncXXXX ( hereafter CLEAR ) is a collection company representing XXXX  XXXX XXXX ( XXXX ) located in XXXX XXXX, Texas. 

CLEAR first phoned me a couple of months ago and alleged that I owe a debt to XXXX. I told them I have no credit account with XXXX, nor have I ever purchased anything from XXXX on credit and demanded that they immediately provide me proof of debt. 

A receipt was sent to me from CLEAR that included a sales receipt from XXXX. This unsigned sales ticket reflected an alleged digital camera being shipped to me in XX/XX/XXXX and showed XXXX dollars ( {$0.00} ) being paid or due, as a result of a store credit I had on record. Although I did order a digital camera from XXXX, utilizing a store credit I was given, from a previous warranty claim for defective furniture I purchased for cash, the camera was never received by me. 

Assuming I did receive a digital camera for a store credit owed to me for approximately {$920.00}, I owe nothing to XXXX, as this was a store credit and not a credit transaction. However, notwithstanding the fact I did not receive the digital camera on a store credit, I am the actual person due monies from XXXX and not the other way around. 

The facts and evidence provided by CLEAR and XXXX are as follows : 1. No credit transaction ever occurred between XXXX and myself. 
2. No credit application, credit account or invoices due exist in writing. 
3. Evidence from CLEAR shows no signature and/or promise to pay any monies, and furthermore shows a XXXX balance was due at the time of the ordered merchandise. Therefore, even had I received the merchandise equal to the store credit, no credit instrument was issued, agreed to and/or is due. 

On XX/XX/XXXX, I received yet another telephone call from CLEAR. I informed them that I received their Proof of Debt and it was nothing but an unsigned sales receipt showing a XXXX balance owed for merchandise I never received, using a store credit still due me. Moreover, I asked when I might expect payment for my store credit that is owed to me. The representative stated, You got the proof and you know you owe us money!. I told her I would take this matter to court to collect the monies owed me.
Consumer complaint received 2018-08-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MJ Altman Companies, Inc. (FL)

This company no stop calls me almost daily! I and my wife have both asked them repeatedly not to contact us by phone only to contact us in writing. We both receive calls almost daily! If the cant get me they try my wife then call Me back! It is out right harassment! They keep threatening to place the item on credit report! I and my wife had told them go ahead! They keep calling non stop! We have told them several times no contact butnin writting. They keep calling
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I " am requesting that my student loan accounts be removed off my credit reports within XXXX hours. I have attached proof that my loans are XXXX and a XXXX was submitted so its a cancellation of debt and income can not be reported on any credit reports its agents the consumer law. Also due to this being a cancellation of debt my loans has turned into a certificate of indebtedness and must be removed from my report. {$88000.00} has been cancelled a copy is attached and these should be removed within XXXX hours of this complaint. This is also against the XXXX XXXX XXXX you are not allowed to report income from school loans are any loans due to consumer law. The account numbers are listed below. 

XXXX # XXXX XXXX # XXXX XXXX # XXXX