davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 2023-07-01
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)

I'm disputing the XXXX account on all credit bureaus for fraud I got a score up credit builder loan I signed up and got a denial letter saying I didnt get approved and they told me it was XXXX and now there charging me interest on my own money and it shows my contract as closed then they opened it back up and on my debit card and on my profile shows XXXX XXXX XXXX XXXX the contract invalid and should not be on my credit and it says an addendum was added without my consent An addendum is used to clarify and add things that were not part of the original contract or agreement means this is fraud and they been taking my money on the low that's fraud XXXX I also made payments of XXXX since XXXX and the balance is incorrect
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

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 2023-06-30
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. (FL)

After reviewing my credit profile I identified a discrepancy with several accounts. On XX/XX/23 I wrote to Experian credit bureau about my credit profile reporting regarding the inaccurate information, which came back as validated as accurate and updated method of validation on these account as accurate when it's not. In which, I also sent a copy of my recent valid drivers license showing my correct physical address where I current reside with the letter of correct spelling of my name and current address. According to the 15 USC 1681 law all information must be reporting accuracy in which they fail to do so
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act, the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 15 U.S Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S Code 1681c ( a ) ( 5 ) : 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 antecedent the report by more than seven years.

15 U.S Code 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 2022-10-31
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. (IL)

In accordance with the Fair Credit Reporting act, the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 15 U.S Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S Code 1681c ( a ) ( 5 ) : 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 antecedent the report by more than seven years.

15 U.S Code 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 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I am owed a pro-rated refund for the annual fee on my XXXX XXXX XXXX American Express Card. I closed the card in early XXXX, at which time I was told that the annual fee would be pro-rated and the balance refunded. I called on XX/XX/XXXX to ask for that balance to be returned, and was told that a recording of the call would be reviewed to confirm my claim. In calling today ( XX/XX/XXXX ), I was told that my request was denied, and that the only way I could access the recording would be with a subpoena. This is unacceptable, as I clearly recall what was said to me. I am being defrauded by American Express for the roughly {$400.00} balance of my annual fee. Thank you for your help.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

Ive disputed my XXXX XXXX XXXX account multiple times and the company is reporting back false information to the credit bureaus so therefore Im writing this so that my account gets adjusted correctly, on my account there are a bunch of things wrong noted on the account first and foremost the account was settled and paid on as of XX/XX/XXXXXXXX  so therefore the account should be noted that is now paid and closed and the balance should be XXXX, also the account was first delinquent as of XXXX of XXXX and was charged off on XXXX of XXXX so therefore the account should be noted to fall off 6 years after that date. My account currently doesnt show that it was paid and settled and it also shows that my previous payments that werent made were from years prior were also changed and clearly that isnt accurate so that should be adjusted as well. Also considering this account has been disputed and sent back with more and more false information it has hit my credit negatively repeatedly. So therefore I feel like XXXX should make the proper statements on my report as well as the credit bureaus should also note and adjust these things as well because clearly it hasnt been happening that way recently. I will attach documents supporting everything stated as my proof of what Im saying and I hope we can all get on the same page with my credit as it is very important that we do so. Ive tried to talk with Experian about this case multiple times and I got hung up on and wasnt helped in any way shape or form. They also dont have a way to upload proof to disputes so they gave me a link to upload documents and it wouldnt take mine even though they were within the guide lines of forms excepted and size. So therefore Im attaching my documents here for Experian as well. I also think Experian should be able to fix the points that have been taken from my credit from false information being submitted.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-30
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: Experian Information Solutions Inc. (CO)

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.

The letters are stated with items and issues.

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 2023-05-11
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. (PA)

Dispute of Unauthorized Inquiries - Fraudulent Activities on Experian Credit Report I am disputing several unauthorized inquiries on my Experian credit report, which I believe to be the result of fraudulent activities. The following inquiries, conducted without my consent, are causing significant concern and potential damage to my creditworthiness XXXX XXXX Inquiry Date : XX/XX/2022 XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXXXXXX Inquiry Date : XX/XX/2022 XXXX  XXXX Inquiry Date : XX/XX/2022 XXXX Inquiry Date : XX/XX/2022 XXXX Inquiry Date : XX/XX/2022 XXXX Inquiry Date : XX/XX/2022 XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX Inquiry Date : XX/XX/2022 XXXX XXXX Inquiry Date : XX/XX/2022 XXXX XXXX Inquiry Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2022 XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX Inquiry Date : XX/XX/2022 XXXX XXXX XXXX Date : XX/XX/2022 I am confident that the inquiries in question were not authorized by me and their presence on my credit report is both inequitable and detrimental. Being wronged by fraudulent activity, I implore Experian to conduct a thorough investigation of these inquiries and expeditiously remove them from my credit report. 

I humbly request that Experian ensures the accuracy and validity of my credit history through prompt elimination of these sham inquiries. Their removal is essential in protecting my financial health, reputation, credibility, as well as barricading any adverse impacts on my fiscal status. 

It would be highly appreciated if you could acknowledge receipt upon completion of investigation ; furthermore keep me up-to-date with regards to any headway or supplementary information required during dispute resolution process. 

Thank you for your unwavering collaboration and support while striving to swiftly address this malicious activity. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-04-24
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ACH Recovery Solutions (CO)

I spoke to someone from a collection agency about a payday loan I collected in XXXX XXXX, 2011. I did n't have a payday loan during that time. But the people had my Social Security # and the XXXX in 2011. 

I not sure what is happening, but I think I a part of a scam or misappropriate information. I think they are trying to file some kind of legal document to collect. I never received any paperwork in the mail, but they had my telephone number and said they were going to file a for my arrest. I did n't see anything on the bankruptcy about a payday loan. 

The number to the place that called me is XXXX and its called country court and litigation.
Consumer complaint received 2023-05-10
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. - Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (MS)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MS XXXXXXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. - Clearly states that I have the right to privacy. 
15 U.S.C. 1681 Section 604 A. Section 2. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent. 
15 U.S.C 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

CREDITOR ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I am able to gain access back into my accounts. Wells Fargo has allowed my account to taken over and didnt inform me of the criminal activity. I noticed when I was waiting on a check for an unauthorized transaction and product back in XXXX  that I didnt request nor ask for for XXXX  fraud services. I was billed, ignored many times and begging for some compassion for selling product to me that was brutally structured and locked into with no way out. Its unfair to the customers who are not XXXX  XXXX or anything except XXXX  Peoples. Im XXXX XXXX and I truly believe this why my many many complaints were ignored. I initiated this most recent investigation by walking inside Wells Fargo who are extremely rude over the phone. I have been dogged out by Wells Fargo repeatedly loosing my vehicle, my XXXX back pay a whopping XXXX for a car that wasnt worth it and ended up with a 60 month term at {$310.00}. I dont know how much I didnt know back then. But it cost me all and everything I worked for all my life to be ignored by loosing my car with forced XXXX XXXX. That I didnt authorize and definitely made my payments where its unaffordable for a fixed income single parent. I tried changing my mind in total fear but they said the check had already been processed. PLEASE GIVE ME AN UPDATE FROM WELLS FARGO RECENT UNAUTHORIZED PRODUCT ADD ON OUTSIDE OF XXXX XXXX  I SUFFERED FROM. Will be XXXX XXXX IDENTITY PROTECTION BACK FROM XXXX. Reference # XXXX. MEMBERSHIP # XXXX XXXX  # XXXX. PLEASE DONT TAKE YOUR TIME, I NEED YOU WELLS FARGO TO ACT EXPEDITIOUSLY!!! This has been simmering for many years!!!! I deserve to be treated fair with equal opportunities within a reasonable amount of time demonstrating all professionalism EXCEPT LACK OF CARE!
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TN)

I checked my interest rate for a refinance with XXXX XXXX  over the weekend. Monday I started receiving calls from many, many phone numbers- some said scam, some said telemarketers, some just phone numbers. The number of calls as of today reached XXXX calls! This is unacceptable business practice. I contacted XXXX XXXX  who replied that they do not give out my phone number, but when they pulled the credit report ( which they really should not have, I was just checking rates ), the representative stated that the credit bureaus share my phone number. I am in disbelief that a consumer would be treated this way! I feel like I need to change my phone number. I am not sure what I can do, but this really needs to be reported and stopped. I appreciate anything that you can do to help with this situation. Thank you.