davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

This complaint involves elderly father & deceased mother 's savings account which I believe was emptied by persons once close to my father. They may also impersonated me and my husband. The persons had full access to his home, keys to everything including his garage. In early 2021, as XXXX hit, he was abandoned by everyone including a " girlfriend '', neighbors, and coworkers who were now retired from XXXX XXXX XXXX, as my dad did in the XXXX. 
When I found out what happened, it seemed suspicious. No one called me until they found dad abandoned, with rotten food, unclean house/person, and everything gone from his home, including important family paperwork, mother 's purse contents, and her death certificates, and anything that was his & his family 's. 
My father was told by Wells Fargo Bank by the branch XXXX that his daughter ( me ) and husband had come to the bank with a " note '' and some other paperwork indicating they were the only XXXX Of XXXX and emptied his savings account. 
I reported all the issues to local & state Police, the Bank, Social Services, and many other agencies. No one could help me with any investigation of these persons nor what had happened to him. I suspected Elder Fraud and went through every means to try and report this horror of my XXXX father being a victim, and especially the theft of HIS money. He would need Elder care at some point in the future. This was apparent to me and my sons, and the family friend/nurse. It seems no one would take action to find the perpetrators of these crimes. Even as I was blamed for the missing money, the Bank XXXX dept. said there was nothing they could do, without the account number, not knowing who was on this account, etc. 
His Elder Attorney never offered help despite my father 's many pleas. Later found this Attorney had given 4 of these persons a POA and XXXX XXXX XXXX to look out for him. A close family friend/nurse and I looked at every angle, she tried to protect him from other neighbors when all the others suddenly abandoned " helping him. '' As his XXXX progressed, people were still taking advantage of him and he didn't know what was happening as so many people told how he could trust them! One couple that targeted him put their house up for sale and moved from the area. The others avoided me, and any questions I had about his problems! Even his Elder Law Atty. never helped in this situation, except to remove these people from my dad 's Advance Directive, POA, etc. I even asked him about collusion w/ these persons, and he never answered any of my questions, except to say that, " he was working on it. '' I never believed he had dad 's best interests in mind.
Consumer complaint received 2023-06-14
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-06
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. (FL)

I have been disputing this item with XXXX, but they still sold the account to a collection company. This account was fraudulently set up. 
XXXX ( XXXX ) XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the  FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX # In XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX, XXXX XXXX  XXXX acct # XXXX XXXX reporting incorrect information 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights. 

Please remove all collections on my report : XXXX XXXX XXXX acct # XXXX, XXXX XXXX : acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX XXXX, XXXX XXXX XXXX acct # XXXX XXXX, XXXX  XXXX XXXX : Acct # XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX XXXX, XXXX  XXXX XXXX XXXX Acct # XXXX XXXX, Is all fraudlent accts.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-20
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate names : XXXX XXXX and XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ; inquiry : XXXX Inquiry Date XX/XX/2022
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (AZ)

I am highly irate due to Discover Bank continually putting my payments in a hold for eight days when I've never bounced a payment. This is absolute discrimination and other consumers are facing the same dilemma. Some consumers don't go through payment review and their payments bounce back. Please do investigate this as in my opinion this is discrimination.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (TX)

This item on my credit is fraudulent. Never sign any contract with this company for any purposes. Also the address this institution has for me on file I never resided at. I've contacted this company many times and had no success. I'm trying to move on with my life and this institution is holding me back.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (AL)

I've tried contacting them, disputing just to have no result. There is a lot of fraud on my report but company refuses to budge. My score plummeting and I need this taken care of.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 1681 ( 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 premission.

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

According to 15 USC 1681s-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 and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this.
Consumer complaint received 2024-03-02
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: Experian Information Solutions Inc. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX XXXXXXXX Incorrect Address - XXXX XXXX WAY XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I also hereby formally dispute the accuracy of the following credit inquiries on my credit report : XXXX XXXX XXXX FIN - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX MOR - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX CO - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2023-06-14
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. (MD)

I am exercising my right under the Fair Credit Reporting Act, 15 USC 168a2 to request information regarding items that is listed on my consumer credit report.I have not supplied proof under the doctrine of estoppel by silence Engelhardt V Gravens Mo 281 SW 715,719 I presume that no proof of the alleged debt, in fact therefore exists. The bureaus continues to tell me they have investigated the items and they will remain and havent sent me any proof on how the items were investigated, who was the contact person or any other information Im asking for. My inaccuracies havent been throughly investigated so therefore be deleted
Consumer complaint received 2021-03-21
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. (NV)

I am writing this letter to bring to the attention of the Consumer Financial Protection Bureau of a recent dispute investigation which was completed recently updated with regards to XXXX XXXXXXXX XXXX XXXX account number XXXX, involving a closed charge off account that still reporting inaccuracies even after being investigated. I have attached a photo document which I obtain from Experian online dispute portal for reference. As you can see in the attached document, Experian investigation yield a number of errors which compromised the accuracy of my credit file. 

On XX/XX/XXXX thru XX/XX/XXXX, Experian reported that this account was 30 days late and on XX/XX/XXXX thru XX/XX/XXXX they reported the same account to be 120 days late. As you may already know, this is impossible and a " clear and unmistakable '' error since each month represent 30 days in itself. 

In addition, this account was charge off/closed on XX/XX/XXXX however, the amount displayed as past due represent interest or additional payments accrued over time which is illegal since the account is reported as closed. 

And lastly, the account number for this account are different and do not match as represented in the separate documents pulled from Experian online dispute information. Here are the two accounts that was generated 1. Account Number XXXX 2. Account Number XXXX this can be seen on the attached photo documents. 

Since Experian recent investigation Report Number : XXXX Date Generated : XX/XX/XXXX which they presented as an accurate account of of there investigation yield multiple errors with is a direct violation of the Fair Credit Reporting Act which is governed and enforced by both the State of Nevada and Federal Law instituted by the United States Congress and other governing bodies of our government. I ask that this account be removed/deleted from my Experian consumer credit file/report and any additional database or member affiliation which they may share information with. I ask that the process be completed as soon as possible and without delay under the authority of the CFPB also know as, the Consumer Financial Protection Bureau. Thank you for your aid and assistance concerning this matter.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (OK)

its my credit report from Experian and my Fico score I have very good credit history since a Bankruptcy in 2016 I have 100 % on time payments there are 12 hard pulls on my credit report I changed my phone carrier to XXXX and they did 2 hard pulls ... then I was doing balance transfers to avoid high interest and there were some hard pulls when I only made CC application once, they rejected the first application because my driver 's license wasn't able to be viewed they said I could just apply again without it affecting my score... this is not true I make XXXX per year I have XXXX in available credit so every time I use any of that credit my credit score goes down? This doesn't seem fair to me because I pay my credit card bills off very fast .. Actually I paid XXXX in credit card debt in the month of XXXX... Im barely paying any interest on them because I pay more than what is required and pay it so fast it doesn't have a chance to accrue any interest... I am wanting to buy a house soon but my credit score is staying down as if I'm a person who doesn't pay their bills!! I just got a XXXX XXXX then my credit score went down as soon as i applied for a XXXX XXXX XXXX... I wanted to use a XXXXXXXX XXXX XXXX  to collect points towards purchases also the XXXX XXXX gives 5 % cash back... I used XXXX XXXX balance transfer to not pay any interest... This doesn't seem fair I have no late payments NONE thanks
Consumer complaint received 2021-05-11
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. (TX)

XXXX used my data & email address I have now on my new cell phone to verify the account I have with them but the email they sent a verification code to does not match the one I verified with the account.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

On XX/XX/ I made two mobile deposits into my checking account with key bank in the amount of {$390.00}. The money orders cleared then key bank put a hold on my account saying they thinking the money orders wouldn't clear. After speeaking to customer service they instructed me to go into the bank to clear the matter. Today I went I to the bank XX/XX/ and they are telling me the back office is still doing and investigation. This is beyond unacceptable I want my funds and I want to be compensated for the inconvenience it should not take 15+ days to figure out this out. This has caused me hardship.
Consumer complaint received 2020-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NY)

Originally disputed this fraudulent collection back earlier and was able to remove it from my credit report. I then later check back a week later and see that the agency added the collection again as a new one starting a new time frame along with hurting my credit significantly as I recently applied for a credit card and was notified that I was rejected solely due to this collection issue. I've reached out to the collection agency regarding this account as it shows it's from 2017 back when I was merely XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID to show valid information that this account was opened under fraudulent methods and the things they are doing are illegal yet no action from them. I'm already thinking of filing a police report if that can somehow help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me.
Consumer complaint received 2023-06-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

The company XXXX XXXX XXXX  which is now XXXX  gave me a job contract stating if i resign before a year that i would have to pay for training in XXXX of XXXX. After the background check they decided not to hire me and then asked for me to pay for the background check. The company tried placing the amount of XXXX on my credit and i disputed it and I hired a lawyer. Experian removed the amount and XXXX tried sending a new contract to state i electronically signed and i said i would pay for the background. Now they tried placing the amount back on my credit even though their contract states if i was XXXX XXXX it would be void and I was XXXX XXXX beginning XX/XX/. I disputed recently showing the contracts and letting them know the attorney is back on the case and the dispute was denied. I never worked for this company and i didnt resign, it is past the statute of limitations when i signed the agreement in XXXX  and i do not recall electronically signing a new document as I was in basic military training.
Consumer complaint received 2023-06-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I called the credit reporting agencies including XXXX, Experian, and XXXX to inform them that some collection accounts listed on my account credit report are inaccurate and should not be reflected on my report, as I never gave Experian, XXXX or XXXX permission to put the following accounts XXXX XXXX  ( Account # XXXX ) and XXXX XXXX/ ( Original Creditor : XXXXXXXX XXXX XXXX XXXX on XXXX, Account # XXXX ) on my consumer report. Also the investigation took well over 30 days, and no results have been produced. 

XXXX, Experian, and XXXX are willingly and knowingly furnishing information on my consumer report without my consent, which is a violation of 18 US CODE 1028 AGGRAVATED IDENTITY THEFT. 1028A.

Aggravated identity theft provided for such felony, be sentenced to a term of imprisonment of 5 years. Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. In other words, it's taking another person 's identity for fraud, false statements, or misrepresentations.