davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I was recently informed of negative information reported by XXXX XXXX XXXX included in the file XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account XXXX on XX/XX/XXXX. 
I am unaware of ever having a Checking Account Fraud from XXXX XXXX XXXX Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this Checking Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney Generals office. should you continue in your non-compliance. further remind you that, as in Wenger v. Trans Union Corp. No, 95-6445 ( C.D, Cal. Nov 14. 1995 ), you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (FL)

In XXXX of XXXX I received a credit alert from XXXX XXXX credit monitoring stating that and Affirm account was opened in name. I called affirm and provided the requested information for them to search their database for my information which was my correct phone number and email address, I was told that there were no accounts matching that email and phone number neither the last four of my social security number. In XXXX of XXXX I received a notification from experian that there are XXXX affirm accounts that are two months late. Whenever I called affirm they refuse to provide me with any information that I can accurately dispute the claim such as location and date when the account was created and what documents where used to create the account. After speaking with an experian agent today I was informed that affirm does not pull your credit report when they create accounts for individuals. So they do not verify at XXXXhe point of the loan creation the persons identity that is applying for the loan. When experian sends you a detailed credit report affirm does not show up on either a soft pull or a hard inquiry so that by the time you are aware of it, it is too late to dispute it. Your information is also saved under a different phone number and email address so you will never be able to stop the process till after they send your information into collections.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

CREDIT KARMA FROZE MY ACCOUNT ON XX/XX/2023 FOR MY SUPPOSED PROTECTION.

I GOT A EARLY DIRECT DEPOSIT ON XX/XX/23 IN THE AMOUNT OF XXXX {$56.00} I CALLED CREDIT KARMA ON THE XXXXTH BECAUSE MY CARD WASNT WORKING ONLY TO FIND OUT MY ACCOUT WAS FROZE. 

CREDIT KARMA TOLD ME I HAD TO WAIT FOR THEM TO CALL ME ABOUT THE FROZEN ACCOUNT. 

THEY REFUSE TO HELP ME WITH THIS AND ALSO REFUSE TO CONTACT ME INREGARD TO MY ACCOUNT. MY MONEY IS STILL TRAPPED IN THERE BANK AND THEY REFUSE TO RELEASE MY MONEY SO I CAN CUT OFF ANY BUSINESS I HAD WITH THEM.
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX ( the Scammer ), which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX XXXX XXXX account to JP Morgan Chase Bank at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is scammer or is involved in potentially fraudulent activity. 
XXXX issued International Standards on Combating Money Laundering and the Financing of Terrorism and Proliferation ( the XXXX Recommendations ), aimed at setting minimum standards for action in different countries, to ensure that XXXX efforts are consistent internationally. 
There is a long-standing obligation upon financial institutions to have necessary procedures in place to ensure the detection and prevention of money laundering, terrorist funding, and other illegal activities. 
In this case, it is perfectly obvious that JP Morgan Chase Bank could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. 
Given that their client : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX was an active participant in the movement of my money, which eventually ended up with the Company, JP Morgan Chase Bank have not exercised their duties to identify this suspicions scheme in a timely manner.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (NC)

After reviewing my credit profile on XX/XX/XXXX  | identified a discrepancy with account listed under LENDMARK FINANICAL SERVICES and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXXXXX  the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX  there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2023-06-21
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)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Driveway Finance Corporation (GA)

I took a look at my credit report and realized that I have a balance and repossession from DRIVEWAY FIN For {$31000.00} that I did not have awareness of the account was open XX/XX/2022.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRUAD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2018-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Hello, I had to go to the emergency room for my XXXX  XXXX very suddenly. I felt that something was wrong, and when I got to the emergency room they ran some tests and sent them to my doctor. They also gave me an XXXX. 

My husband was in the XXXX at the time, and we had XXXX. I gave the hospital all the information they needed for our insurance. XXXX covers two visits to the emergency room if they are out of the network, which that was our first time. 

We thought everything was covered, until we got a call from the debt collector. almost 6 months later. We said XXXX paid it. They said no. We called XXXX. They said they did cover it. I can not afford to pay XXXX dollars to get this off my credit report, and I need to very badly because it is effecting me.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Ive been disputing a student loan that has been off my credit report for XXXX recently appeared affecting my XXXX XXXX tremendously. I finally called XXXX Financial they acknowledged mistake and sent letters out to all XXXX XXXX XX/XX/2024 to have removed. XXXX and XXXX took it off but dropped my XXXX XXXX almost XXXX! I had XXXX XXXX XXXX XXXX XXXX XXXX i paid off and the other I applied XXXX to the other with an arrangement of {$150.00} mthly ( not reporting ). They took Almost XXXX point off my score because of this debt originally. Ive paid off XXXX and they gave me only XXXX. XX/XX/2024 my XXXX XXXX was XXXX XX/XX/2024 it drops almost XXXX. This is not right! This is a noticeable trend amongst XXXX people and its unfair and unjust! I want to file lawsuit for false reporting and intentionally using their position to enable me a fair life!
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I found out about the TransUnion website by seeing from XXXX XXXX   that it gives free credit score report. On XX/XX/20, I made a new account on the website, where it asked me for my credit card information. It did not tell me any charges would incur, so I thought it was free. Then I found out that I was charged {$24.00}. I would like to have the subscription cancelled and get be refund. I have not called the company because I did research on this situation and a lot of people are saying they tried calling the company about the same problem and the company either did not respond or would not give you a refund.
Consumer complaint received 2018-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

I'm am a United States Army soldier currently XXXX in the XXXX XXXX. Before my XXXX I was involved in a active duty training exercise. The month 's of these training exercise were, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2017. I was late paying my car during that time because the training was in a remote area, with very limited communication. Upon returning, I contacted Wells Fargo Dealer Services to make arrangements. I was told to fax a copy of my orders to them and the late payments that had been reported to all 3 credit  reporting agencies would be removed.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (PA)

I am writing to file a complaint to DISCOVER BANK regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXXI have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Madam, I am writing to dispute certain information in my credit file identified during a recent review of my credit report. The details I am disputing are not accurate and reflect inconsistencies that could impact my creditworthiness negatively. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( e ) ( b ), I request an investigation into these inaccuracies to ensure my credit report reflects only accurate and verifiable information. 

The specific inaccuracies I am disputing are as follows : Original Lender Name Inconsistency : My credit report lists the original lender as Progressive with XXXX and XXXX but XXXX XXXX with TransUnion. This discrepancy may lead to confusion or the appearance of multiple debts instead of one. I request that this information be corrected to uniformly reflect the accurate original lender name across all three credit reports. 

XXXX XXXX XXXX : The collection agency handling my account is listed differently across the three credit bureausthis inconsistency could imply incorrect reporting of the collection account. The correct name of the collection agency should be uniformly reported by all three bureaus. Please investigate and update this information to accurately reflect the collection agency handling this account. 

Status Descriptions Variability : The status of my debt varies significantly across the reports, from Unpaid to Collection account to an extensive description on XXXX. This variation could mislead credit grantors about the true nature of the debt. I request a review and uniform update of the status description to ensure it accurately represents the status of my account. 

Enclosed are copies of documents supporting my position and highlighting the discrepancies for your review. Please note, I am not requesting the information be deleted if it is accurate, but rather that an investigation be conducted to verify its accuracy. 

I understand under the Fair Credit Reporting Act, you have 30 days to complete an investigation of the items I have disputed and to provide me with the results in writing. If the information is found to be inaccurate, the law requires you to correct it or delete it from my file. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian, XXXX, and Experian alike all have different variations of my name, phone number, and home address reporting and updating consistently. Addresses I have never lived at, my last name spelled wrong, and phone numbers I do not own. 

I have tried to dispute this information online several times and there seems to always be at a peak time where maintenance is being handled. 

I disputed this information by mail in XX/XX/2022 and the incorrect information is now back on my reports.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

There is an address on my Experian profile that doesn't belong to me. There should be XXXX in XXXX and XXXX XXXX XXXX XXXX I cosigned on that property. The one for XXXX, MA is NOT my address nor have I ever lived there or own a property there.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 report ( 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! 

Accounts to be deleted : XXXX XX/XX/2023
Consumer complaint received 2023-09-06
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. (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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX.
Consumer complaint received 2022-11-25
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-03
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. (AL)

I hAVE DISPUTED THE SAME ACCOUNTS FOR 5 MONTHS. aLL THEY HAVE DONE IS XXXX  DATES AN BALANCES. aLL INCORRECT XXXX IS STILL THERE