davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
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. (FL)

Today, I am submitting a CFPB Complaint to inform the Credit Bureaus about the fraudulent accounts and incorrect information they have been reporting on my Credit File. After conducting research, I have learned that to remove these fraudulent accounts, I need to file a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA section 605b, Credit Reporting Agencies are obligated to remove and block any accounts listed on an ID THEFT REPORT. I have attached the necessary documents to aid in blocking the erroneous information that is appearing on my report. Here is a list of the accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX  Balance : - XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$600.00}. I assure you that I did not open these accounts or authorize anyone else to do so on my behalf. FCRA Section 605B ( a ) states that the Credit Reporting Agencies must block any information in the consumer 's file that is identified as resulting from fraud within four business days of receiving the request.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

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. These are the following accounts need to be removed : XXXX XXXX XXXX DATE : XX/XX/2023 XXXX XXXX || DATE XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX || DATE : XX/XX/2023 XXXX XXXX XXXX XXXX DATE : XX/XX/2023 XXXX XXXX || DATE : XX/XX/2023
Consumer complaint received 2022-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 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 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 2022-12-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

We have file several complaints about Wells Fargo Home Mortgage I have a Home Mortgage loan with XXXX XXXX, serviced by Wells Fargo Home Mortgage. I used the Cares Act Covid-19 forbearance. Once out of the forbearance I requested that my missed mortgage payment be placed at the end of the loan ( Deferral ) advised 4 times ( No extra payment gain for Wells Fargo ), I asked for any payment plans to shorten the years of payment and lower my interest rate. A couple days later Wells Fargo sent me XXXX radicicolous offers for a XXXX modification and a XXXX refinance. We rejected both ( money gained for Wells Fargo ) we NEVER signed nor returned the agreements that they offered, shortly after they FORCED, our mortgage into a Modification that we never agreed to do. unapplied our sent mortgage payment for almost a year, while trying to High pressure sells us into the modification program ( Money Gains for Wells Fargo XXXX Wells Fargo continue demand FULL LUMP SUM Payments After we complained about Wells Fargo VERY UNPROFESSIONAL AND UNETHICAL BEHAVIORS. THEY PUT OUR MORTGAGE INTO COLLECTION AND ATTEMPTING TO FORCE FORCLOSURE STOP MAKING THE INSURANCE AND PROPERTY TAXES PAYMENTS INTO EFFECTS, NOW sending back my XX/XX/2022 payment sent back XX/XX/2022, putting us into harm 's way instead of putting the use what the CARES ACT was put into place to help the people. Wells Fargo Home Mortgage is putting millions of people into HARMS way and the employees action shows, they care less. just see the millions of people that their unprofessionalism and unethical behavior have caused FALSE FORCECLOUSURE. Please Fully investigate DO NOT JUST TAKE Wells Fargo Employees word because they are Very Untrue and care less about people just want a profit, I guess in Wells Fargo practice is makes a profit for the company and I noticed Once I complained about Wells Fargo handing of my mortgage All negative stuff started to happen with my mortgage, BUT my XXXX will handle this problem for me and millions of other people. Thanks, putting it in XXXX 's Hands. Thanks, from me and millions of others. I noticed that another company was fined for the Very Same practice : XXXX XXXX  For the very same pratice that you are allowing Wells Fargo Home Mortgage to continue
Consumer complaint received 2022-11-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX 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 2022-10-23
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: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (AZ)

NAME : XXXX XXXX Address : XXXX  XXXX XXXXXXXX XXXX XXXX, State Zip : XXXX, Arizona - XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2022-11-16
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. (CA)

This is my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-24
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. (MD)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; STUDENT LOAN XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX STUDENT LOAN XXXX XXXX XXXX : {$31000.00} XXXX STUDENT LOAN XXXX XXXX Balance : {$44000.00} XXXX XXXX  XX/XX/2021. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On Sunday XX/XX/23, I noticed while I was in the mall a transaction in my Chime checking account, I did not make to XXXX  cable company for the amount of {$500.00}, I called XXXX about this transaction, but they told me that the only transaction they see on their side was for {$130.00} on XX/XX/23 I made previous day. XXXX does not have records of any transaction for the amount of {$500.00}. When I called Chime support to dispute that fraud transaction, they asked me to submit any documentation and I submitted the bank statements where only shows that on transaction for {$130.00}. They told me that in 10 days, if approve, I will get a credit and then it would take up to 90 days but then my dispute was denied again and I called them back in XXXX and they reopen the dispute, again they said I needed to wait and I requested by email the documentation they have for the reason that was denied but they never responded and send any such documentation. I called again today XX/XX/23 and again was denied for the third time and they told me the same thing about reopening the case and I have to wait up to 90 days. I told them this time I will report and get an attorney if it gets deny again. They have not even tried a backcharge or anything and I believe that there is no investigation team in Chime or anyone investigating because they could not transfer me to that department or provide information of who was handling my case. I need this money and help please.
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (AR)

recently checked my consumer report XXXX and noticed that Credence Resource Manage was reporting a charge off since XXXX of 2023. I sent debt validation letter green return receipt # XXXX along with the a CEASE AND DESIST XX/XX/2023. Its now XX/XX/2023 and Credence Resource Manage has not responded they are still reporting after i gave them a Cease and Desist all communication through all mediums including the consumer reporting agencies however they did not honor my cease and desist { pursuant to 15 U.S.C 1692 ( c ) ( c ). Credence resource manage never received prior consent with me through communication through the consumer reporting agencies { pursuant 15 U.S.C 1692 ( a ). My privacy is My right and no one can ever infringe upon my privacy however credence resource manage has infringed upon my Privacy with my personal credit data { pursuant 15 U.S.C 1692 ( a ) } the way credence resource manage is very abusive deceptive and unfair should be liable for all my actual damages { pursuant 15 U.S.C 1692 ( a ). This Credence Resource manage has threatened me through communication through the consumer report because the consumer report is my life. { pursuant 15 U.S.C 1692 ( d ) ( 1 ) ( 2 ) ( 4 ) } The fact that this alleged debt wasnt validated should have never been reported nor furnished to my consumer report alleging owing XXXX is obscene and profane language that has truly threatened my reputation. to not honor a cease and desist and continue to Report invalidated alleged debt to my consumer report is only the advertisement for sale of any debt to coerce payment of the debt { pursuant 15 U.S.C. 1692 ( 4 ) }. My Consumer report is my life and My general reputation { pursuant 15 U.S.C 1681 ( a ) } is my life that Credence resource manage has threatened { purauant 15 U.S. C 1692 ( d ) ( 1 ). Credence resource manage has defamed my character and defamed my Reputation. By failing to validate this alleged debt pursuant 15 U.S.C 1692 ( g ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) i now have not been able to extend credit i have been getting denied due to this invalidated untrue reporting information to my consumer report and now i can't provide for my family. Credence Resource manage due to failing to comply with the provisions of Fair Debt Collection Practices Act I have been injured. { pursuant 15 U.S.C. 1692 ( k ) any debt collector who fails to comply with any provisions of this subchapter with respect to any person is liable to such person in an amount equal to the sum of XXXX XXXX ( 1 ) any actual damages sustained by such person as a result of such failure. 

green return receipt # XXXX
Consumer complaint received 2023-08-01
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. (GA)

The following Information on my EXPERIAN report is incorrect. I have submitted my disputes online & they have not rectified the issue. According to FCRA 605B 15 USC 1681 EXPERIAN is required to block & delete all info in 4 days. The attached screenshot shows that EXPERIAN created a Dispute several months ago ( And wouldnt allow any more online disputes ) nor acknowledge or delete the incorrect information. Attached is a copy of my FTC reports generated recently to go along with my disputes.

The following information is included in the FTC reports : EXPERIAN : XXXX {$680.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX  {$600.00} XXXX XXXX XXXX {$34.00}, XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX {$6100.00} XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$4000.00} Inquiries : EXPERIAN business report XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
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. (CA)

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer containing any of the following items of information Any adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years. 

15 U.S.C 1681=2 ( A ) ( 1 ) A Person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

There is a negative account with XXXX XXXX that is affecting my credit. It looks like someone opened an account using my SSN, which I had no knowledge of it existing until I saw how badly it was affecting my credit score. This could be a potential issue of identity theft. The account was opened on XX/XX/2021, which could not be since I do not have an account with XXXX.
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Experian Information Solutions Inc. (FL)

Experian, is obligated by FCRA to report accurate accounting.Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, EXPERIAN XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers account.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX  Late payments incorrectly reported between XX/XX/XXXX, XXXX late payments incorrectly reported XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As a consumer by law these accounts in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.