davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hello, my name is XXXX XXXX and on this date XXXX, I have become a victim of identity theft. The following information I have listed Is not in accordance to my credit report. I ask that the following information below get DELETED off of my report rapidly since it is not mine. I have also listed a copy of my Federal Trade Commision Report, CFPB, and XXXX XXXX XXXX regarding the theft of my identity for your convenience. According to 15 USC 1681 - states that it governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) .these companies have violated my rights as a consumer and have gone against the policy by sharing my NPI to collectors without sending an opt out letter in accordance to 16 CFR 313.1 thus, this being INACCURATE INFORMATION. Therefore I ask to Please DELETE the items from my report as soon as possible! Thank you.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
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. (CA)

Equifax Dispute Report Number # XXXX Equifax Agent identification : XXXX XXXX XXXX  ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is reporting duplicate account entries. XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (CA)

When my online Wells Fargo Visa business account showed a balance due of {$0.00} for XXXX, 2023, I assumed I had made my payment, as I do- in full - every month. However, when I went to reconcile my account, I realized I had not made the XXXX payment. When I contacted the bank, I was told that a refund of {$75.00} ( for a product I returned to XXXX ) had been applied as a payment. Since the refund exceeded the minimum payment due of {$41.00}, WFB showed my account as having {$0.00} due. As a result, I did not make the full payment, which will result in interest charges on the remaining balance of {$2000.00} moving forward. 

I contacted WFB and was told that I would have to wait until my next closing statement to see any interest charged to my account. That interest rate is 15.24 %. 

A refund is normally applied as a credit to a credit card account, not as a payment. That is, of course, unless the bank has figured out a way to " inadvertently '' make a mistake that fraudulently increases interest earnings on credit cards. I seriously doubt this is a one-off mistake. Therefore, I think it would be prudent to ask WFB when this practice was begun and how many times customers have had refunds applied as payments, rather than simple credits, resulting in interest charges on the balance due.
Consumer complaint received 2023-10-02
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. (IL)

I am writing in response to the account appearing on my credit report. According to that record, I have an account with them that is erroneous. By Section 1681 ( g ) they must grant me a brief description of the method that seemed to validate that the account listed below is " correct ''. 
XXXX XXXX XXXX XXXX Account Balance : {$31000.00}
Consumer complaint received 2023-06-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

I officially paid off the vehicle on XX/XX/. Now over a month later they barely said they released my title to me ( XX/XX/XXXX ). Its been 9 business days since then and we are on XX/XX/XXXX and still no title has arrived. This should have been completed weeks ago and still no title
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit report and noticed I have two late payments posted to my account that I was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy according to 15USC 1681e.I never been late on this account I provided and also attached a screenshot inside this complaint with dates ( month/year ) .Please investigate and provide proof with statements showing these payments were late.If proof can not be provided i demand these payments be updated to paid on time as agreed as soon as possible as they should be due to the fact that I was never late.Thank you! Please do not disregard the screenshot attached
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

There is all kinds of credit inquires in my credit report and I do not and have not inquired about any credit at all so these inquires are not true and not from me and I'd like them off of my credit report.NONE OF THEM ARE FROM ME
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing regards to the frivolous inquires that have surfaced on my credit report after I just had this happen in past timing this is getting ridiculous. According to 15 usc 1681c-2 blocking of information, all information deemed fraudulent by the consumer SHALL be removed 3 days of this receipt I HAVE ENCLOSED A COPY OF MY ID THEFT REPORT SEE ATTACHEDMENTS
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report. 
XXXX XXXX XXXX  Balance : {$480.00}
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX PERSONAL INFORMATION AFFIDAVIT To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 10 ) years. 

My correct name is XXXX XXXX XXXX, please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX OH XXXX and I have resided here for 10 years, remove all other addresses that I have never lived at or may belong to a relative, they are not accurate, remove them IMMEDIATELY ... XXXX XXXX XXXX XXXX OH, XXXX My current telephone number is XXXX, please remove all other numbers IMMEDIATELY, they are not accurate. ( XXXX ) XXXX, ( XXXX ) XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

XXXX CONSUMER DISPUTE - XXXX XXXX XXXX XXXX  PA XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX EQUIFAX CREDIT INFOSVC XXXX XXXX XXXX, XXXX, GA XXXX PERSONAL INFORMATION AFFIDAVIT To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 10 ) years. 

My correct name is XXXX XXXX XXXX, please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX OH XXXX and I have resided here for 10 years, remove all other addresses that I have never lived at or may belong to a relative, they are not accurate, remove them IMMEDIATELY ... XXXX XXXX XXXX XXXX OH, XXXX My current telephone number is XXXX, please remove all other numbers IMMEDIATELY, they are not accurate. ( XXXX ) XXXX, ( XXXX ) XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I called XXXX XXXX XXXX to tell them that they are reporting wrongful information on my credit, that I owe a debt for an eviction to a place that I have never lived or leased or rent. Someone used my information to apply and they got evicted now its on my credit and I can not get any where to live and I can not get any approvals for any car or apartments because of this wrongful credit reporting on my score, they never sent me any letters and have not contacted me since XX/XX/2023 but its sitting on my credit saying that Ive been evicted and the apartment complex has no records of me ever living there. But they sold the debt to a collector and now its reporting on my credit with a large balance
Consumer complaint received 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I bought something from a merchant in XXXX and used Paypal to submit the payment, on XX/XX/XXXX in the amount of {$1700.00}. 
Months later, in XX/XX/XXXX, after there were issues with the merchant delivering the products I tried to dispute the funds sent via Paypal, who claimed they can not since it is after XXXX days. I then proceeded to dispute the charge through my bank, XXXX, who initiated a chargeback for lack of delivery of goods. 
After about a week or so I was able to resolve the issue with delivery and after I received the goods I contacted XXXX to resolve and cancel the chargeback. I received a letter from XXXX on XX/XX/XXXX that the chargeback was cancelled. However, it is almost a month from cancelling the chargeback and PayPal still has not sent the money to the merchant.

I contacted Paypal through their messaging service on XX/XX/XXXX, and XX/XX/XXXX, and sent them the letter confirming the cancellation of dispute but they claimed there is nothing they can do and it is a " back office '' that deals with this and it takes time. 
I called chase again on XX/XX/XXXX and they confirmed that they notified Paypal of the reversal of the chargeback and all paypal needs to do is forward thgis information to their bank to receive the funds, which they may or may not have done.

Nonetheless, they are still pursuing my vendor/ merchant to recover the " disputed '' funds and it is affecting my relationship with him greatly
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report. 
XXXX XXXX XXXX XXXX  : {$480.00}
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion will not remove a collection from my credit report from XXXX XXXX from a credit union I have never ever heard of. The account does not belong to me and I have contacted Transunion several times to remove this. They have not sent me any information and just leave it reported.
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (FL)

I just wrote out the entire situation over the course of an hour and a half and while uploading documents - the entire state my disappeared. Its now very late I am Unwell Amd tored. May I just say that for the past 3 years I have been living a nightmare situation thanks to Kia Finance continuing to do Erroneous, illegal and frankly inane accounting with my account. They have refused to do anything to correct or even look into it and instead have co stantky taken my payments applied them them declined them then charged me a late fee and an INSUFFICIENT FUND fee ( when I always had the money in the bank and offered to provide them with statements from the cabinet which btw never charged me any fees because they never had to! This has caused my credit score to drop so low ( XXXX ) and is the only thing on my credit report but because of how low it is I cant even try to get rid of this car because I wouldnt be approved for a loan. I cant even now upgrade my cell phone ; move out if my apt or even get a secured credit card! And ironically also caused my car insurance to go up to {$300.00} per month and only due to my credit. Its the only thing on my credit report. They are now sending me letter after letter and call after call threatening to repossess the car when I make payments every month but wont pay the additional erroneous charges. They have made every aspect of my life a nightmare and I fear its because I had initially initiated a lemon law suit against them during the first year of ownership which I had to abandon after months because they refused to cooperate with my attorneys in any way and I could not afford the retainer required to move forward. 
Yo m
Consumer complaint received 2022-12-06
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. (NY)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these accounts ASAP.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX This inaccurate account is reporting as opened on my credit report when in fact it is closed. 

Please remove inaccuracy this account from my credit report or I will file for litigation.