davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2023-01-02
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. (MO)

Improper use of cards funds missing from bank credit cards being closed debit cards misused XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  misused closed acct. loans secured loan with XXXX XXXX XXXX XXXX XXXX never returned from XXXX loan several disputes no help. Unknown address on credit report mortgage loan on credit report. Eviction neighbors have all personal info XXXX XXXXXXXXXXXX XXXX would not allow to retrieve have all personal belonging. Soc security XXXX checks amount incorrect XXXX never delivered XXXX XXXX statements XXXX XXXX however someone used it at XXXX XXXX XXXX XXXX XXXX I started with XXXX in XXXX XXXX XXXX present believe someone is pretending to be me on my job ( working as myself as a XXXX XXXX XXXX XXXXXXXX XXXX using my credentials as a flt attendant fraudently. Accessing my benefits and pay. Used XXXX XXXX XXXX XXXX. I do not have any children. Signing in XXXX many different folks one shows zipcode XXXX unable to remove. Insurance fraud closed many insurances possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this supposedly a savings acct however unable to withdraw from many more XXXXXXXX XXXX Need to speak to someone. neighbors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Also personal info stolen from by XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) has court report ID soc sec info XXXX XXXX Also XXXX XXXX XXXX XXXX they r using and selling my time never able to use data. I am XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-04-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (OK)

US Bank is not providing paper or e-statements for one of our loan accounts. When contacted on XX/XX/2022 the bank informed us it was because the loan was setup on autopay but the other loan we had with them was also on autopay and the statements were accessible. We were not provided a resolution and an " escalation '' was submitted with a promise of response within a few business days. Based on prior experience and escalations I do not believe we will receive a response or resolution to this error. This bank is in clear violation of regulations requiring periodic statements with no sense of urgency to correct the problem. This bank has a reputation of not following through or providing a resolution when issues are reported to them so I am forced to submit the complaint here in hopes that they will be held accountable.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Company : XXXX XXXX account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XX/XX/22 disputed inaccurate items with Equifax, 30 days later no resolution. XX/XX/22 diputed inaccurate items. 30 days later no resolotion. XX/XX/22 disputed inaccurate items, 30 days later no resolution. XX/XX/22 disputed inaccurate items, 30 days later no resolution.
Consumer complaint received 2023-05-31
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. (NC)

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, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$420.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I called XX/XX/20 at XXXX talked to Agent XXXX ID XXXX XXXX to cancel my Citi Premier card ending XXXX. I was offered a full refund of my membership fee after I paid the fee. I chat with Citi on line agent ( XX/XX/20 ) and assured me that the refund be deposited into my credit card account before the billing cycle ending XX/XX/2020. 
I just found out today ( XX/XX/20 ), the refund will not be honored and I will not receive it. 

Citi bank need to honor the offer promised by their agents, I am seeking the full refund of XXXX.
Consumer complaint received 2023-05-31
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX Balance - ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance XXXX ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-09-01
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IL)

I have reviewed my credit report and have identified multiple instances of inaccurate information, including the difference in the extra fees and or interest charged. There is no reasoning behind the sporadic amounts. For example, in XX/XX/XXXX the extra charge was {$20.00}, in XX/XX/XXXX {$16.00}, XX/XX/XXXX {$26.00}, Each month it fluctuates and no sense can be made of it. I am attaching the documentation with my complaint today. I have disputed this information with the credit reporting agency, XXXX, XXXX, and XXXX, but the creditor/collection agency has failed to investigate and correct the inaccuracies within the required XXXX timeframe, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 12 C.F.R. 1022.41 ( a ) Furthermore, the creditor/collection agency has failed to provide accurate and complete information to the credit reporting agencies, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) and 12 C.F.R. 1022.42. Specifically, they have failed to report the correct amount owed, which has resulted in inaccurate credit utilization ratios and a lower credit score. Additionally, the creditor/collection agency has failed to provide clear and conspicuous notice to me of the availability of my credit reports and the procedures for disputing inaccurate information, in violation of 15 U.S.C. 1681g ( a ) and 12 C.F.R. 1022.43.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history is not correct. I attach a letter with the correct address.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DE)

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. 
Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX 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 2022-11-21
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. (NV)

In accordance with the Fair credit reporting act, XXXX  account number XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion ) has violated my rights. 

Statute 15 of U.S.C 1681 section 602A states that I have the right to privacy.

Statue 15 of U.S.C 1681 section 604A states, a consumer reporting agency can NOT furnish a account without written instructions from the consumer.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NC)

I applied for a credit card with Barclay approximately XXXX years ago. My bill has always been paid on time. However, I never received an increase in my account. Once the corporate office was contacted, I received an increase. My mother passed from XXXX. In XXXX, 2022, I had to take care of her final bills. Therefore, I utilized my credit cards more than usual. Because of this, my credit score dropped. However, I wasn't concerned because I knew that it would only be temporary. Barclay immediately cut my credit limit without notifying me prior to doing it. When called they stated that I would be receiving a letter in the mail. They did not contact me to see if it there was a reason, they just did it. XXXX XXXX score has returned to almost normal at this time. I called Barclay on Friday, XX/XX/2022, and spoke to XXXX ( ID # XXXX ) concerning this matter as well as my interest rate increase. She confirmed that my interest did increase & I was not notified. This is an issue because they are supposed to notify their customers. Also, she stated that I would have to apply for an increase. This is an issue because I should not need to do so. She stated that it is a system automatic and I know that this is not the case. Barclay penalized me when I was dealing with my mother 's death. I do not appreciate this. Barclay did not wait to see if my score would remain low, they automatically decreased my limit. No one should be treated in this manner. - XXXX XXXX XXXX
Consumer complaint received 2024-03-02
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: Experian Information Solutions Inc. (NY)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (AR)

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. 

XXXX XXXX XXXX XXXX Acct # XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of education/XXXX Acct XXXX XXXX Dept of education/XXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # 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 2017-10-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Richard Sokoloff, Attorney At Law (NY)

On XXXX XXXX I was contacted by a XXXX XXXX who when telling me details of a medical debt immediately became abusive as I explained that secondary insurance was provided to the doctor. She did not even attempt to investigate or validate that fact. started yelling and talking over me. on XXXXXX/XX/XXXX17 She once again became abusive and threatening once I asked her where can I file a counter claim because monies were paid to the provider that should not have been. she became abusive that threatened legal action if I did not immediately paid her. I advised her I would file a complaint.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO HAS BEEN CAUSING ISSUES ON MY CREDIT ALL YEAR LONG THAT HAS CAUSED ME FINANCIAL LOSS AND OPPORUNITY. THIS ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY. ALSO, WELLSFARGO IS FURNISHERING MULTIPLE VARIATIONS TO EACH CREDIT BUREAU. THE WELLS FARGO ACCOUNT IS BEING REPORTING DIFFERENTLY TO XXXX, XXXX AND XXXX AT THIS TIME. MORE SPECIFICALLY WITH XXXX. PLEASE SEE XXXX XXXX REPORTS ATTACHED. 

REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 
REPORT DATED XX/XX/2022 SHOWS XXXX LATES WHICH IS HOW ALL XXXX BUREAUS SHOULD BE REPORTING. 
REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 

PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP AND/OR REMOVE THE LATE PAYMENTS.
Consumer complaint received 2022-04-13
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. (NC)

On XX/XX/2022, I found out an account was opened in my name on XX/XX/2022 with XXXX Credit Card, XXXX Georgia, in which XXXX XXXX XXXX XXXX was purchased. The information was reported on my credit reports. The credit was for the amount of {$4000.00}. I contacted XXXX and received no response from them. They were suppose to contact me from the fraud department within 3 days but I have yet to hear from them. I contacted the company XXXX on XXXX XX/XX/2022 and informed them that it was a fraudulant account. They were not helpful at all. Stated it was my information so implied it was my account regardless of how much I tried to explain that I did not open the account. Contacted the XXXX fraud department and found out the person used my name, address, ss # and date of birth but used a different email and phone number. On the same date, XXXX XX/XX/2022, that I spoke to the fraud department and informed them of the fraudulent activity, I received an email stating that they updated my account with the correct email and phone number as requested. I clearly informed them that I did not have an account with them and was attempting to report fraud, not update information. I was sent a Fraudulent Affidavit application emailed to have signed and sent back with the appropriate information. Information was certified and sent via email because I was not able to fax it to the fax numbers they provided. I had not initiated a police report at that time because I was not aware that I had to. The company received the affidavit on XXXX XX/XX/2022 and stated that it was under review. I also had my credit frozen and notified the social security office of fraudulent acctivites being initiated using my social security number. I initiated a police report on XXXX XX/XX/2022 but was told they could not do much since it was out of state. I was instructed to initiate this report by the social security office and the XXXX XXXX Sheriff 's office. I have also had other accounts of someone attempting to use my identity to obtain loans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but I was able to resolve those issues.
Consumer complaint received 2023-05-18
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. (VA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-31
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. (TN)

This is my second 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-30
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: EQUIFAX, INC. (AL)

walked into dealership they told me they would run my credit once, i checked my report they ran it several times. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX