davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 

14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

15. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

17. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

18. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

19. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

20. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

21. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

22. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A credit card from XXXX XXXX is reporting negative on my credit file. It shows me as an authorized user. I never authorized anyone to put me on their credit. They never called me for permission to use my information or anything. I have notified XXXX XXXX that this is not my account and i don't want to be on anyone 's card. However XXXX XXXX continue to report it on my credit every month with a new late payment and drop my score. I pay my bills. This is defaming my charachter
Consumer complaint received 2022-11-07
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. (SC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a XXXX 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 XXXX and Under XXXX XXXXXXXX XXXX  XXXX 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 2023-03-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The credit bureaus investigation did not fix an error on my report This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} , and Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} .
Consumer complaint received 2022-11-07
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a XXXX 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 XXXX and Under XXXX XXXX XXXX XXXXXXXX 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 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

on XX/XX/2020 I went to try to purchase a house with XXXX XXXX and was denied for having 10 negative accounts on my credit report. I have never authorized any of these accounts from being open or have ever authorized anyone else to open them in my name. I have never benefitted from any of these accounts being opened or have received any money or goods in good faith from the accounts. Please remove them from my credit report. I have a filed a police report regarding these accounts being opened as a result of identity theft.
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ONEMAIN FINANCE CORPORATION (CA)

About 4 months ago I put my house up for sell I've owned for 20 years, and my title and escrow company advised me ( when I had a buyer, who backed out by the way ) that that creditor and/or it's 3rd party lawyer group by the name " XXXX XXXX '' has a lien on my property and their demand is for XXXX dollars! This can't be legal and they have cost me several buyers to come and go, not to mention putting me now into foreclosure, two modification processes through mortgage company, stress and severe hardship, and more! All the while before all of this I attempted contact just to try and verify or correct any wrong information about this creditor and they have ignored me completely making it impossible to remove the lien and continue with what has been a very important attempt to sell my property for personal and financial reasons! I had also contacted " American General Financial '' a lender that 14 years ago, I had a loan of only XXXX with XXXX down on a tou hauler and 9 out of the 12 months of payments. I voluntarily repoed a toy hauler to after having for only one year and they auctioned off a month or so later and sent a letter saying so and the auction price was for an additional XXXX on top of what I had paid. So by XXXX they said they had no record of me whatsoever, and also their name had changed and was no longer American General Finance. So this bogus lien, and an amount I've never borrowed is completely wrong and insane! So of course there was no way I could help myself finacially or benefit with an amount like XXXX ( as far as I was lead to believe anyway ) coming out of my potential equity of sell. This has to be illegal and I hope to hear that I can sue them for the insane hardship, financial burden, loss, major stress, etc they have and are still are putting me through! 
I will send Title company info below etc. Please help!? Thank you, XXXX XXXX
Consumer complaint received 2020-02-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (FL)

Car was paid off late XXXX/early part of XX/XX/2019 and company refuses to release lien. Multiple visits to DMV have been made in vain and multiple calls to Santander have been made in attempt to get them to release the lien. Santander keeps giving me the run around saying they have sent me a document sufficient for the DMV to release lien their lien and the DMA has advised more then once that Santander has to release the lien on their side. Do to Santander not releasing lien on vehicle on a timely manner they cause me to be in a financial bind regarding my bills. Car was to be sold but multiple deals have fallen through because a Santander has refused to release lien. I cant sale a car without a CLEAR TITLE
Consumer complaint received 2023-06-14
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, This item ( XXXX XXXX ) is inaccurate ; my credit limit is not {$0.00}. I am requesting that this item be deleted, as it is in violation of the FCRA. 

Enclosed is documentation supporting my request ( a copy of my most recent credit report ). 

Please investigate this matter and delete the disputed item as soon as possible. 

Thank you.
Consumer complaint received 2022-11-07
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my follow-up 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Several inquiries pop on my credit report that I did not apply for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-23
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. (CA)

There is two accounts on my credit report that DO NOT BELONG TO ME. I have tried reaching out to the bureaus as well as the furnishers but have received no response back these accounts are not mine again. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account
Consumer complaint received 2024-03-27
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX XXXX Account # XXXX and XXXX  Account # XXXX. has voliated my rights.

15 U. S. C. 1681 section 602 A. States I have right to privacy.

15 U. S. C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can't furnish an account without my written instructions.
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX  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 2020-04-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

The company said the account is open but I have issues with another bank. I do not have any known issue with any banking institution as I am employed with a bank. I have not been able to receive any documentation to say why the account can not be funded ( yet it is open ).
Consumer complaint received 2023-05-29
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. (SC)

This is my six 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 XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX  XXXX XXXX Balance : XXXX, XXXX XXXX Balance : -, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-24
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (PA)

I purchased a dress online from Macy's.com on XX/XX/XXXX for {$340.00}. It did n't fit my sister so it was returned and credit was recorded on XX/XX/XXXX for {$320.00}. When I got my statement ending XX/XX/XXXX it showed that I had late fees of {$27.00} and interest charges of {$3.00}. I called customer service on or about XX/XX/XXXX to resolve the issue and the agent indicated that the late fee and interest charges would be reversed and she would waive the {$20.00} discrepancy for my troubles. Had something to do with a glitch in the system for no minimum payment posting. Fast forward to XX/XX/XXXX and I received a letter from Macy 's Collections Department ( dated XX/XX/XXXX ) that {$50.00} would be withdrawn from my bank account on XX/XX/2016. In fact, {$33.00} was withdrawn from my bank account on XX/XX/2016. So, I called Macy 's again to work on the issue. Some how they had reversed the interest charges and an arbitrary portion of the late charges ( {$14.00} ) and failed to reverse the {$20.00} discrepancy. After speaking with many customer service agents, I believe I have gotten this issue resolved however the explanation of the {$33.00} charge to my bank account was because I am on autopay, which is true! I am on autopay. Therefore, none of the late fees or interest charges should have posted since the {$20.00} discrepancy from the month before should have been on autopay, as well! The point of this complaint is somehow in less then 60 days I have gone into collections for a dress I had for less than 2 weeks. It feels like I 'm being harassed. Now, my account has been adjusted and shows a credit balance of {$33.00}, but the additional late fee adjustment of {$13.00} has been back dated to XX/XX/XXXX. So if you look at my account now, the most Macy 's should have taken from my bank account is {$20.00}. Luckily, I do n't carry balances on credit cards but if i did, I do n't think I would have been able to figure this out and this practice likely affects many other consumers.