davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (MI)

My name is 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 2023-06-07
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: EQUIFAX, INC. (FL)

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.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (AL)

I, XXXX XXXX, recently checked my credit report and was disappointed that Self is reporting on a closed account and that all 3 credit bureaus are allowing this. This account has been closed since XX/XX/XXXX. I received my pay out from the company and acct has been closed. 

On my credit report this company closed my account in XX/XX/XXXX. However they have been reporting late payments since XX/XX/XXXX. The last reporting date on this account is XX/XX/XXXX and this is significantly damaging my credit report. 

When logging into the site I am not prompted that I owe anything just offering to do business with me again. This is holding me back from so much.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted Standard of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, Experian must report any allegations with the greatest compliance and accuracy possible. Experian should not report any claims that they know or should know are not in compliance with regulations and the law. I am writing to inform you that Experian needs to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that Experian provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving Experian 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize Experian to take steps to correct my credit and send me physical proof of their actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. On XX/XX/23 I sent Experian a detailed complaint by certified mail explaining all violations which is attached to this complaint. I also included a copy of my driver 's license, social security card and utility bill.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NM)

I spoke to the company and they said the old fraud charges were erased and this balance now is another charge. I told them this would also be a fraudulent charge. I asked for a breakdown of previous being erased and show me the new charge they now claim I owe. 
He gave me this new ref. # XXXX for this new complaint. He said he could not give me the itemized list, but someone else will be contacting me. I went back on my statements and it does not show where they cleared tge fraudulent charge. Instead they keep adding charges and are damaging my credit.
Consumer complaint received 2023-01-17
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. (AZ)

In accordance with the Fair Credit Reporting Act. Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated. However, how is that possible if last date reported, account number, payment history is invalid or incomplete in all XXXX credit bureaus. When it should be 100 % accurate. 

This is a continuous violation of my rights under 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 reporting consumer agency can not furnish a account without my written instructions. 

I demand to delete accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( as they are different account numbers on each bureau ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize any of these accounts, therefore. Please update everything 100 % accurate or delete them immediately. As they are causing me outrages interest rates. ( Example paying {$340.00} on a {$6500.00} car loan. ) This is my last letter in regards to correct this errors. I understand I have the right of up to {$1000.00}. For every violation on my credit report and will proceed as follows. 

Thank you for your time with this matter.
Consumer complaint received 2023-01-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Am sending in this complaint to get my name on record immediately. I am not at home. Saw your bulletin reference Wells Fargo. My own divorce counsel ( which I allege was bought by my ex & corresponding with him during our divorce ) stated on my divorce trial date that he chose not to believe my adamant statement that I never signed a {$200000.00} ( or {$200000.00} ) re-fi with Wells Fargo in XXXX. Due to his refusal I walked away with no proceeds being mandated to be distributed to me at the divorce trial. I did call Wells Fargo somewhere during XXXX knowing all the names of people my ex dealt with and the most important individual was transferred to another NJ branch XXXX This individual ( a woman ) called the house and asked for spouse and sounded highly scared. When I said he wasnt home, she hung up on me. I called the branch she was moved to. I was informed my signature was on a notarized document so I requested Wells Fargo to send me a copy. They agreed but I never received said copy. My ex did a number of highly illegal actions using my personal data with many of them. Mostly all was done via cybercrime when I discovered he had his IT company put a portal from my desktop at home into his laptop at his company. We were divorced on XX/XX/XXXX but I have enough documentation to support my allegation what Wells Fargo did in collusion with my ex husband. I gave up years ago after discovering so much identity theft he had done over 10 years ( and is still doing ) that has had me living in poverty. With no family and losing all friends due to his abuse, I had no option but to stop trying for justice. I discovered all the high end players involved, discovered his heavy gaslighting of my character over the years and decided there was no way I could ever go up against Wells Fargo plus the other serious issues he had done relative to HUD homes and every car I bought. When I saw this big penalty lodged against Wells Fargo, I thought maybe the government would finally give me a voice. To reiterate, I have all documentation
Consumer complaint received 2022-09-30
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. (MI)

My name is 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 2023-06-07
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following information being reported on my consumer reports is Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX Addresses Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Please update using the following information listed below and mail updated reports to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Correct Information : Name : XXXX XXXXXXXX XXXX
Consumer complaint received 2020-03-10
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 am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFO
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NJ)

Months ago, On XX/XX/2022, I pulled my credit report and noticed an account that I had never opened, I don't know the reason this account showing on my report, and I don't really know what step exactly to take to remove this mentioned account on this complaint, I did some research over the internet about how to remove the erroneous account on my report, So I decided to file a dispute on FTC Website to accelerate fixing this the issue, hoping for the positive feedback regarding this issue, Please remove this negative account from my Credit Report, it is ruining my XXXX XXXX, and as I said I don't really know the origination of this account.
Consumer complaint received 2023-11-30
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$0.00},, XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX : {$240.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX Balance : {$450.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} 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 XX/XX/XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2020-01-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WSFS FINANCIAL CORPORATION (IL)

The XXXX XXXX in concert with Wilmington Savings Fund Society FSB are trying to steal my Property using deception -- an unlawful cloud on title or fraudulent transfer recorded with the XXXX  County Recorder of Deeds XX/XX/XXXX. Although sued by the Whole United States ( the U.S. Justice Department in conjunction with virtually all 50 state attorney generals, including the state attorney general for Illinois ), XXXX using one of its non-bank subsidiaries or foreign corporations ( XXXX XXXX XXXX XXXX ) filed a series of foreclosure-related evictions against me, but failed to execute the wrongfully obtained possession orders in the defunct business 's name. Now in a third suit it has obtained a possession order in Wilmington Savings Fund Society FSB 's name, falsely representing to courts that the subject property was sold to this trustee plaintiff. Both corporate plaintiffs provided no proof of an actual sale for value ( ex. current property inspection report, purchase contract, title report, etc. ) ; only a " quitclaim deed '' paired with the wrongfully obtained orders. The possession orders are pending the disposition of a petition for leave to appeal filed with the Illinois Supreme Court. Still, the corporate plaintiffs and their counsel continue to engage in frivolous, fictitious filing so as to threaten, harass and intimidate me with unlawful eviction. Their last motion was filed in the circuit court around XX/XX/XXXX, seeking an extension on the time to enforce the eviction order that is in question. It is my contention that neither companies have any rights in the property. Their purported right to possession arises from an unauthorized foreclosure that the executive branches of government successfully prosecuted them for. The XXXX  County States Attorney even found that Housing Discrimination was involved.
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (MA)

Im a victim of identity theft back in XXXX before I had a account with XXXX wireless someone had took out a phone. I went to the police and reported it. The police had seen that I did not have anything to do with the account because it had wrong information. I had to contact the credit bureau and had a 7 year protection which lasted till XXXX of XXXX. In XXXX of XXXX I took out a phone and seen my bill was outrageous. I did not know when I walked out the store they had took XXXX more lines and phones. When I contacted XXXX they couldnt locate where the phones came from there was no tracking number. The manager from the store got fired and was never seen again. I contacted XXXX to tell them whats going on and nothing. They gave my case to collections were I had explained the situation all over and even sent them the police report and nothing has been done either. They do not want to remove the account even with proof. The bill is XXXX dollars for XXXX phone. But in there system they were telling me it was XXXX lines and XXXX phones theyve changed there stories numerous times which I have no control of the computer. Everything is noted but they wont send me the bill or anything with details. I need help and I know that they owe me the same amount there asking for because I was paying XXXX a month for XXXX phone plus my trade in. Rpm does not listen nor care about the situation. I get different answers all time some are rude where it gets to the point they hang up.
Consumer complaint received 2022-09-30
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)

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 U.S.C. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section2 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 and 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 2023-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sherloq Group, Inc (CT)

I have contacted Sherloq multiple to asking to validate my debt with my signature allowing them to have my medical information and my signature validating my debt. They refuse to do so. I have have stated multiple times that I do not claim this debt and was never presented with a bill of this debt. They continue to call me after I asked them to not. I have contacted them over 30 days ago and they never responded till over 60 days later. 
I request that this debt be deleted.
Consumer complaint received 2020-01-15
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: ResidentCollect, Inc. (TX)

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS