davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (LA)

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. 

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 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Accuracy and fairness of credit reporting ( XXXX ) There exercise their grave responsibilities with the fairness, impartiality and a respect for the consumer right to privacy. 15.U.S. code subchapter lll credit reporting agencies. In general subject to subsection ( c ), any consumer reporting agents XXXX furnish a consumer report under the following circumstances and no other. ( XXXX ) and accordance with the writing instructions of the consumer to who it relates. 
XXXX ( I ) Prohibition ( a ) reporting information with actual knowledge of errors a person should not furnish any information relating to a consumer to any consumer reporting agents if the person knows has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/23 I initiated a Bill Payment in the amount of {$570.00} through Wells Fargo to XXXX XXXX. 

Their bill pay system accepted my request and indicated that the payment would arrive at XXXX XXXX on XX/XX/23. 

XX/XX/23 was, co-incidentally, my payment due date. 

Unfortunately, after placing this request, for whatever their reasons, Wells Fargo, with no notice to me, changed the delivery date from XXXX to XXXX. 

This caused XXXX XXXX to assess a {$29.00} late fee and they will also be assessing finance charges to my account. 

I have never paid an account late and this may negatively effect my credit score. 

I did report this to Wells Fargo. Wells Fargo opened case # XXXX however Wells Fargo claimed it would take them 10 business days to " investigate '' the matter. 

If we wait that long, there will be no chance to avoid the imposition of finance charged by XXXX XXXX.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (MO)

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit account and inquiries that are hurting my general reputation as a consumer. 
15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Hello, I am writing to inform you that I have an erroneous item on my credit report. I have asked the company to send proof of documentation, but they have refused. 

I have also asked the three credit bureaus to verify the item, but they have not responded to my request. 

All they would say is that the company says it is real with no verification of the legitamcy of the item. 

I have a fraudulent entry, and they have not assisted in verifying its validity. 

Thank you for your time and attention to this matter.
Consumer complaint received 2023-09-06
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. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

As I was looking over my credit report I noticed a collection from Rent Recovery Solutions for the amount of {$5500.00}. I do not know who this is nor have I ever lived at the apartments that they are representing. This is a claim made back in XXXX and I lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX with my parents at that time and was also attending college.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OK)

The third-party debt collector Midland Credit Management is unlawfully in possession of my private non-public information and sharing it with other 3rd party companies without my consent, which is identity theft as defined by 15 USC 1681a ( q ) ( 3 ). I do not know XXXX XXXX, XXXX, and have not contracted with them in any way. They should not have possession of my private non-public information. They also shouldn't be sharing it unlawfully.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Please help ASAP, Ive found the following accounts on my report that are fraudulent. Please remove them ASAP. I have attached an FTC letter and proof of ID and address. According to section 605b of the FRCA there items must be blocked and removed within 4 DAYS!
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (MI)

To Whom It May Concern Equifax Failed To Reinvestigate Unauthorized Inquiries On My Credit Report. Pursuant To The Fair Credit Reporting Act I Have The RIGHT To MAXIMUM ACCURACY. ATTACHED IS MY DISPUTE LETTER & THE DISPUTE RESULTS
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My checking account was hacked through the use of a cloned ATM card issued through Bank of America. Over {$1400.00} unauthorized charges were made on my card. In addition, on XXXX occasions someone deposited a payroll check for {$600.00} in my account which did not have my name anywhere on it. This was XX/XX/XXXX. But on XX/XX/XXXX, the bank reversed the deposit because of fraud. Then the same check was deposited again on XX/XX/XXXX and reversed on XX/XX/XXXX. The person had to be in possession of a cloned card because my card was NOT stolen to my knowledge. But someone made charges and withdrawals which were out of character for my account. Although the charges may have been seemingly legitimate, they were not made or authorized by me. The temporary credits Bank of America made were all reversed on XX/XX/XXXX. That account had already been made deposit only and a new checking account and ATM card was issued. Because it takes 2 months for a change in direct deposit, my social security and XXXX XXXX check are still deposited in the old account until XXXX. With the negative status of my old account, my entire XXXX XXXX check was absorbed. Also my payments for life insurance, car insurance and several utilities were reversed. With only funds from my Social Security check available, I was able to pay my rent of {$910.00} leaving me only {$16.00} for the month. At he age of XXXX, maintaining my life insurance policy is critical to my financial stability. 
Bank of America said I authorized or gave my card to someone to create those charges. But no me is authorized on my account. I have been a good customer for over a decade. Nothing like this has ever occurred before. This financial status is a threat to my health. As a XXXX year XXXX survivor, require medical equipment and medication to deal with damage from XXXX. 
I do not suffer from XXXX or XXXX. I know my card was always in my possession. So a cloned card is the actual culprit. I need my claim reinstated and all funds including my XXXX XXXX check must be returned so I can correct my financial situation. A Bank of America representative said to get a loan. How can I get a loan with a balance of less than {$20.00} and no further deposits until XXXX.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX is reporting incorrectly to XXXX  ; XXXX and Transunion a balance due of {$63000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I traded this vehicle in and XXXX XXXX was paid in full. ( Please see attached Account Closed summary dated XX/XX/XXXX, as well as the Last Payment statement dated XX/XX/XXXX. ) This false reporting of a closed account with a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-09-06
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance : {$28000.00} XXXX XXXX XXXX XXXX  XXXX : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$28000.00}
Consumer complaint received 2023-09-06
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$28000.00}
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
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. (NV)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
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. (AR)

I am writing to file a formal complaint against Equifax Credit Bureau, and I alleged that the Equifax credit bureau have violated the FCRA or Fair Credit Reporting Act. I had attached copies of my supporting documents such as Driver 's License and SSN to my letter. I have previously attempted to resolve this issue but the late/open accounts still appeared as late in my account but I guess I never been in late of paying. I believe that my complaint is valid and falls within the jurisdiction of the Consumer Financial Protection Bureau. I kindly request that the CFPB investigates this matter and takes the necessary steps to help resolve the issue with the Equifax Credit Bureau. These are the following late/open accounts that are needs to be corrected : DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5100.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX XXXX Balance {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX XXXX Balance {$2200.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4900.00}.
Consumer complaint received 2023-09-29
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. (MA)

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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: Bread Financial Holdings, Inc. (OR)

On XX/XX/2022 I contacted Comenity Bank which takes care of account information for XXXX and other corporations. I reached out due to the fact that I could not make a purchase on XXXX XXXX website. I received an automatic message stating that I must contact Comenity to first validate my account. I called the provided number and spoke with a gentleman who stated that I just needed to update my information and then I would be able to make a purchase. He asked for my mailing address, my phone number, my account number, and the last XXXX of my SSN. He also asked for my income. I stated that I would update my income online. He endorsed that my account can only be validated if I provide my income. I provided him with my income. He then stated that he would need to do a soft credit pull in order to validate my account. I specifically asked him if it was a hard inquiry or soft inquiry. He stated that they do not perform hard inquiries and that I was a soft inquiry. I said that would be perfectly okay. Within XXXX minutes of ending the call, I receive XXXX emails from different credit bureaus stating that a hard inquiry has been performed. I called the same number back and asked to speak to a supervisor. The automatic prompt stated that the line would be transferred to a United States representative. I explained my concern to the supervisor and she stated that there was nothing that could be done and she was not sure why the gentleman would not know about the hard inquiry. She also informed me that my account was inactive and had to be reinstated. I was not told this information nor did I give Comenity Bank or XXXX XXXX permission to perform a hard credit inquiry into my credit report. I am writing because I would like my case to be investigated for illegal activity and to have the hard credit inquiry removed from my account.
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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.
Consumer complaint received 2022-12-07
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX 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 2023-09-06
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)

This is my 5th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX