davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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. (AL)

I had existing loans through XXXX that were valid, but there were fraudulent loans showing on my account that I did not authorize or know where they came from. When I realized the loans were showing on my account and showing as past due, I contacted XXXX and disputed them. When XXXX would not do anything with my dispute, despite certification that they were fraudulent transactions, I attempted to dispute them with Experian. To avoid further damage to my credit report and because the loan was a small amount ( less than {$1000.00} ), I paid the loan while I tried to resolve the dispute. 

XXXX claims to have verified the information on my report, but will not verify that the transaction was disputed and was fraudulent. Experian continues to keep the late payment on my credit report even after I filed a dispute. 

The documentation available on my account indicates that the account was fraudulently opened in my name using a stolen credit card number and an old address that I have not lived at for over 2 years. I dont know who or how my information was obtained to commit this fraud, but I do know that it wasnt mine. I have verified, repeatedly, with Experian and XXXX that these are fraudulent.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (FL)

Equifax, I am a victim of identity theft and there was the below and attached unauthorized hard credit inquiry done- please have this removed immediately as this fraudulent inquiry is damaging my ability to obtain credit : XXXX XXXX XXXX XXXX XXXX  - XX/XX/2023 Attached to this complaint you will find : - drivers license - social security card - address - ftc complaint
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (FL)

Equifax, I am a victim of identity theft and there was the below and attached unauthorized hard credit inquiry done- please have this removed immediately as this fraudulent inquiry is damaging my ability to obtain credit : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attached to this complaint you will find : - drivers license - social security card - address - ftc complaint
Consumer complaint received 2021-03-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hiday & Ricke, P.A. (FL)

TODAY MY BANK ACCOUNT WAS WITHDRAWN OF ALLLLL MY MONIES THAT I LIVE ON LEAVING ME WITH A XXXX BALANCE! ... THEY TOOK {$5400.00} TODAY .. .MY MONIES COME FROM MOSTLY GOVERNMENT AND FEDERAL MONIES THAT WERE TAKEN FROM ME BY A COLLECTION AGENCY THAT NEVER SENT ME A CERTIFIED LETTER PRYOR TO DOING SO TO VALIDATE ANYTHING ... I'M ON UNEMPLOYMENT BENEFITS, FOOD ASST. AND RECENTLY WAS GIVEN OTHER GOV. AND FEDERAL MONIES DUE TO THE PANDEMIC ... IN ADDITION, I RECENTLY HAD XXXX XXXX .... I HAVE NO OUTSTANDING DEBTS LISTED ON MY CREDIT REPORTS ... IF THERE ARE ANY OLD DEBTS, THEY ARE UNSECURED DEBTS THAT HAVE REACHED THE STATUE OF LIMITATIONS = TIME BARRED ... THIS IS UNACCEPTABLE ... AND NOW I'M AFRAID OF OTHER GOV. MONIES WILL BE TAKEN FROM ME .. I HAVE NO OTHER CHOICE BUT TO CLOSE DOWN MY BANK ACCOUNT NEXT WEEK BECAUSE OF THIS FRAUDULENT WAY OF THEM DOING THEIR BUSINESS! AND MY BANK SAYS THEY CAN NOT DO ANYTHING, THERE WAS A COURT ORDER LISTING THIS DEBT COLLECTION AGENCY AS HIDAY & RICK PA. LOCATED IN XXXX, FL. ... I WANT MY MONEY BACK NOW!!! YOU CAN TELL THEM I WILL BE TAKING THIS TO THE GOVERNORS OFFICE OF FLORIDA AND ALL OF THE NATIONS NEWS MEDIA TO LET OTHER PEOPLE KNOW WHO ARE STRUGGLING DURING THIS PANDEMIC, THAT THESE COMPANIES EXIST! HOW ARE THEY ALLOWED TO GO INTO XXXX XXXX ACCOUNTS AND TAKE THEIR MONEY!! ESPECIALLY DURING A WORLD WIDE CRISIS THAT IS NOT OVER YET ... THIS NEEDS TO STOP NOW!!
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (FL)

Equifax, I am a victim of identity theft and there was the below and attached unauthorized hard credit inquiry done- please have this removed immediately as this fraudulent inquiry is damaging my ability to obtain credit : CARD ASSETS, A DIVISION OF - XX/XX/2023 Attached to this complaint you will find : - drivers license - social security card - address - ftc complaint
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 XXXXXXXX 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 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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 168 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

According to my credit report, there were 2 hard pulls by Bank of America in XXXX and XXXX, 2022. I contacted BOA to investigate in XXXX, 2022 since I had not applied for any products with them. It took several days and dozens of calls and emails, but finally reached their fraud department and confirmed with them that the applications were NOT legitimate. They were to have stopped and denied the applications and removed the pulls from my credit report. I have no way to confirm that they actually denied the application, but they have not removed the pulls from my credit report and will not respond. I have contacted them 3 times via email with no response and no action. Bank of America refuses to correct my credit report or confirm the denial of the credit applications.
Consumer complaint received 2019-11-19
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

Please correct/remove the late payment in XX/XX/2019 for 30 days. I don't recall being late on this date because I was checking my bank account and noticed that the money was always drafted from my account religiously and it's impossible to be even a week late
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (DC)

I have been trying since   XXXX   to get  Wells Fargo to s top sending copies of my monthly checking account statement to the  XXXX   XXXX  where my mother lived. She died in   XXXX  . Despite numerous attempts since   XXXX  ,  Wells Fargo  continues to send the statements to the  XXXX   XXXX  and they forward it to me and return it to the post office. I do not want my account details released to the public in that way. It is a violation of my privacy and can cause identity theft or other fraud. On  XXXX   XXXX , I wrote to  XXXX   XXXX  at  Wells Fargo h eadquarters about this problem and got no response. I also wrote to  XXXX   XXXX . On  XXXX   XXXX , I wrote to  Wells Fargo off icial  XXXX   XXXX  and received no response. Today on  XXXX   XXXX , I received the  XXXX  statement addressed to my deceased mother as POA.
Consumer complaint received 2022-11-14
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. (IN)

I disputed and got no where on the credit to improve so I requested the credit bureaus to next explain there verification process so I cant see how they came down with they verified my account Violations 1681n,1681g,1681i,1681s-2,611,616,617,623,602Asec2,604A
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Incorrect addresses are being reported on my credit reports that I never lived at. The only address that I would like to be reported is XXXX XXXX XXXX, XXXX, New York XXXX.
Consumer complaint received 2023-05-13
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX  XXXX  ) has violated several of my rights. 

15 U.S.C 1681 Section 602A Clearly states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an 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.
Consumer complaint received 2023-02-12
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. (NJ)

I am requesting the following items should be remove asap. Please provide the documentation of the verifying process. 
The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : ACCT XXXX XXXX-Disputed before yet still remains XXXX INCACCT XXXX XXXXXXXXDisputed before yet still remains XXXX XXXXXXXX ACCT # XXXX before yet still remains XXXX  XXXX ACCT # XXXX before yet still remains XXXX XXXX XXXX ACCT XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX ACCT XXXX XXXXXXXXDisputed before yet still remains XXXX XXXXXXXX ACCT XXXX XXXXDisputed before yet still remains XXXX ACCT XXXX XXXXDisputed before yet still remains XXXX XXXX, XXXX XXXX XXXX-Disputed before yet still remains XXXX XXXX XXXX XXXX XXXX-Disputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX ACCT # XXXXDisputed before yet still remains XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXXXXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX-Disputed before yet still remains XXXX XXXX XXXX  ACCT # XXXXDisputed before yet still remains XXXXI acct # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  ACCT # XXXXDisputed before yet still remains
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I applied American Express Platinuim Card on XXXX, through the XXXX welcome bonus after XXXX spending for the first three months. After spending about {$1300.00} on XXXX and {$1700.00} on XXXX, I got my welcome bonus on XXXX. But on XXXX they did a point adjustment, taking this welcome bonus off. I contacted their agent, they firstly said that I am not eligible for this targeted offer. After I showed that the link I clicked, they change the reason to that some of my spending was not eligible. I then asked them which one, they can not point out, just replying that this is their Rewards Dept. decision.
Consumer complaint received 2017-03-02
Product: Credit card — 
Issue: Arbitration — 
Company: AMERICAN EXPRESS COMPANY (CA)

There were XXXX unauthorized charges on our expired american Express credit card ending in XXXX ( which expired on XX/XX/XXXX ) and the vendor is American Express Gift Card Department and the vendor accepted and approved the expired credit card for total of XXXX charges -on XX/XX/XXXX and XXXX there were XXXX unauthorized gift card charged to our new credit card which American Express credit card Department was transfer the expired credit card charges to our current credit card ending in XXXX and the amount was {$3000.00} ( XX/XX/XXXX ) and {$3400.00} ( XX/XX/XXXX ). American Express gift card and credit card both department was blaming us for the unauthorized charges.which we already took the trouble to change the credit card number to a new number. Nevertheless the old expired card still active and transferred the charges to our new current card without authorization from us. We were forced to pay the charges we did not authorized. Also the card were delivered to an address other than the billing address which is the proof that we did not got the gift cards.
Consumer complaint received 2016-10-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Accelerated Receivables Management, Inc. (AZ)

I received XXXX postal letters from Accelerated Receiveables Management , Inc. I verified that they are not licensed and have been in contact with the Arizona Department XXXX XXXX XXXX that has been investigating this company as they are not licensed in Arizona as a debt collector. In email conversation with the XXXX of the company XXXX XXXX she stated I will transfer this to my law office I do not need a law license to sue there meaning Arizona.
Consumer complaint received 2023-05-13
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. (TN)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating The Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) The credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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. 
( B ) Reporting Information after notice & confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The credit bureaus have no respect for the laws & someone need to hold them accountable for this.
Consumer complaint received 2023-02-12
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 and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an 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 or 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 2023-05-13
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. (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (AZ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Because the Consumer Financial Protection Beaureu is supposed to represent and protect the people, and you take an oath to that effect I demand your Oath and Bonds from the surety.insurance liability company for harm and loss, once there is a sworn oath on record this proves that the sowrn parties are bound to the foreign Agents Registration Act of 1938 and have no jurisdiction pursuant to Title 8 UCS Subsection 1481.

I want you to answer the following interogatories : 1 ) What gives you and your company authority?

2 ) Did you get your authority from the people? 
XXXX ) Are you a corporation? 
XXXX ) Do you have to file Taxes? 
XXXX ) Do you have an Employer Identification Number? 
XXXX ) WHo pays your salaries? WHere do you get your funding? 
XXXX ) Do you receive private funding from COmpanies? 
XXXX ) DId you get money from XXXX XXXX for wrongful foreclosures as publicized? 
XXXX ) What did you do with this money? 
XXXX ) We want full disclosure on what happened to this money? 
XXXX ) Are you taking bribes from companies? 
XXXX ) XXXX XXXX XXXX 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ) Did not the leaders of this nation create differences in people to take advantage of and steal from the original people of this land? 
XXXX ) Do you know that my heritiage extends back before XXXX XXXX XXXX? 
XXXX ) How come you all consistently try to steal everything from people of XXXX? 
XXXX ) When are you going to stop abusing my people? 
XXXX ) When you are going to stop abusing me? 
XXXX ) When are you going to pay just comepensation for my land and the resources you stole from my ancestors and me as an heir? 

I want my money and want to know what the qualifications are to get my money from your co-conspirators ( the Banks and corporations ). Either pay or I am going to start the eviction process on the United States and have you evicted off my land. You have 30 days to respond with a settlement offer. I am submitting your trust document and contract to the public trust as accept your offer and now expect you to perform or you will be in violation as a trustee which is treason.