davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
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. (CA)

SOMEONE USED MY IDENTITY WITHOUT MY KNOWLEDGE THEY RECIEVE MEDICAL ATTENTION ALSO SUMMITED FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT AND KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX 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 XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Pulled my credit report and saw that its showing 20 missed payments for my mortgage company that consist of one late payment in XXXX of XXXX. 9 30-60 day late payments in XXXX and 10 60-90 day payments in the XXXX. This information is incorrect. That is considered foreclosure there is no way that after 3 years I would still be in the-home with that many missed payments. I currently still reside in the home and since XXXX of XXXX credit reporting has been accurate. Im requesting validation of late payments/missing payments for those years mention above.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Pulled my credit report and saw that its showing 20 missed payments for my mortgage company that consist of one late payment in XXXX of XXXX. 9 30-60 day late payments in XXXX and 10 60-90 day payments in the XXXX. This information is incorrect. That is considered foreclosure there is no way that after 3 years I would still be in the-home with that many missed payments. I currently still reside in the home and since XXXX of XXXX credit reporting has been accurate. Im requesting validation of late payments/missing payments for those years mention above.
Consumer complaint received 2020-01-03
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)

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.
Consumer complaint received 2024-02-23
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-05
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)

To Whom It May Concern : This is a notice that the following account ( s ) notation and or items violate customer and consumer laws. If these errors are not corrected immediately you will be subjugated to penalties described in 15 U.S.C. 1681 n Civil liability for noncompliance. 

These are the errors that must be corrected immediately to avoid such penalties : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX DAY LATE ; delete late payment notation and update to paid 2 ) XXXX XXXX XXXX COMMENT CURRENT REDEEMED REPOSSESION ; delete current comment 3 ) XXXX XXXX XXXX STATUS Paid, was past due 30 days ; update to Paid satisfactorily My latest EXPERIAN report number XXXX 15 U.S.C XXXX 6802 Obligations with respect to disclosures of personal information ( a ) Notice of requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

XXXX XXXX has not provided a notice that complies with 15 U.S.C 6802 ( a ). 

Also Congress has mentioned consumers right to privacy on many occasions such as in 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers right to privacy. Emphasis added These harmful items were deleted from my report, and then reinserted in violation of 15 U.S.C. 1681 ( 5 ) ( i ) which is another violation of law. 

Do not delete the XXXX XXXX account referenced above, correct it so it reads as stated in lines 1 and 2. Your company has violated consumer protection laws numerous times in relation to this accounts reporting and has shared this incorrect information with countless companies causing me actual harm. Correct your illegal reporting immediately. In occurrence with well establish consumer protection laws immediately.
Consumer complaint received 2020-06-11
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abided by these laws,
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (OH)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MS)

Since XXXX of XXXX  XXXX XXXX has stolen the identity of XXXX XXXX changing email address and changing information on her credit report using the social security number without consent and continues to do so as of XXXX XXXX. Ive filed several police reports. 
XXXX XXXX opened a XXXX XXXX  in the name for XXXX XXXX. And charged items in the amount of XXXX in charges. Several charges on XXXX account amounting to XXXX Credit card came to my address with his name on it. 
XXXX XXXX changed my address at the post office system and had my mail routed to his address XXXX XXXX XXXX XXXX XXXX WI XXXX I have a email from the Postal inspector of XXXX stating the issue of the fraudulent address and a phone transcript. He stolen my XXXX account. Hes changed my XXXX so much that Im completely locked out of that account all together. Proof of that. XX/XX/XXXX XXXX he ordered my drivers license with the stolen credit card he open from XXXX XXXX. 
XX/XX/XXXX {$71.00} at XXXX XX/XX/XXXX XXXX at XXXX he tried ordering food from XXXX with my XXXX XXXX The list goes on with several different attempts to open accounts. 
XXXX XXXX tries to log in for my XXXX XXXX  account XX/XX/XXXX XXXX attempts. XX/XX/XXXX XXXX attempts XX/XX/XXXX XXXX attempt and XX/XX/XXXX XXXX attempts. Changed XXXX password change XXXX XXXX my XXXX account as well. I have several email stating someone on Wisconsin computer trying to get into my accounts. 
Recent activity was on XX/XX/XXXX changed my phone number on my credit report Experian to phone number XXXX and XXXX to XXXX. Old email address is XXXX. XXXX XXXX is making several attempts to hack my emails account as well. He does it at night when XXXX sleep and notifications wake me all through the night. 
Friday XX/XX/XXXX tried logging in to get my Tax information 5 attempts. 
On XX/XX/XXXX he called XXXX again according to records trying to get access to my XXXX account again. 
XXXX XXXX XXXX XXXX. hes attempting to get into a XXXX account. This has been going on since XXXX of XXXX. There is more attempts that are not listed here. 
XX/XX/XXXX, XXXX XXXX calls to tell me that he has tried to open a XXXX XXXXXXXX XXXX XXXX in my name but shut it down. 
XXXX XXXX is resilient and will not stop. This has really become a burden and Ive not been able to function because of this situation. Ive been XXXX XXXX XXXX ever since this has been happening. Included in this lawsuit is for XXXX XXXX.
Consumer complaint received 2020-06-11
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abided by these laws,
Consumer complaint received 2020-06-11
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: U.S. BANCORP (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history coming from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-01-03
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 a victim of identity theft. I received a phone call from a bank about a loan that I had not applied for. That prompted me to pull my credit report to check for possible identity theft. I noticed that someone had been, and is still currently using my personal information to apply for credit cards and to open checking accounts. I CAN'T BELIEVE THIS!
Consumer complaint received 2022-12-27
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. (PA)

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.
Consumer complaint received 2022-10-05
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: SECURITY FINANCE CORP (GA)

XX/XX/22 and XX/XX/22 security finance is showing inquiries which I did not consent to. I have loan with them but did not apply with them again so there should not be any inquiries with that company.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA XXXX )
Consumer complaint received 2022-12-27
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 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.
Consumer complaint received 2020-01-03
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. (FL)

I recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i sent the bureaus letters asking them to verify the accuracy of the account and to send me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed from my account.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Please see attached fraudulent personal information that I am disputing on my credit report. I have received several notices regarding security breaches that I believe are responsible for this activity on my credit report. I am requesting for all three credit bureaus to remove this inaccurate information from my credit report.
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

Back in XX/XX/XXXX I made a payment to my XXXX XXXX credit card account. Well my primary checking account company took way too long to process the payment which is a first and the payment for my credit card ended up getting rejected and of course I ended up with a ton of fees. I called my checking account company and they apologized for it and handled the situation. Unfortunately I can't say the same happened for XXXX XXXX. I called them to explain what happened and the man I spoke to ensured me not to worry because he shows that the payment went through, but apparently it didn't because I ended up with around {$50.00} in charges. I continuously have issues with this credit card company. This is ridiculous and I want these charges taken off immediately.
Consumer complaint received 2020-06-11
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: Experian Information Solutions Inc. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have had three separate issues since Wells Fargo acquired in XX/XX/2018. First, they increased the loan balance over {$1000.00} at the time my loan was acquired. This was only corrected after calling and emailing several times. Second, the escrow balance was incorrect. This was corrected once the original loan servicing company got involved and was the mistake of the original company. I only share this because it has lead to Wells Fargo 's most recent error. Wells Fargo increased my monthly payment inexplicably. It appears it is related to the amounts they have entered for taxes. Even though I have pointed out their error and how it is impossible to be the correct amount, they have refused to correct the payment amount. I believe Wells Fargo is doing this to their customers in an attempt to pocket more for the company 's benefit. The increase is just over {$30.00} a month.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (RI)

I have had a 100 % payment history until XXXX of this year where my Citi Preferred Credit card showed a missing payment. I reached out to the company to see what happened because I have had issues with online payments in the past and they were easily squared away due to my good payment history but they told me they didn't understand what happened and they will get back to me it has been months now and it is still on my history and impacting my credit very negatively so I have decided to reach out to see if I can be assisted by your team I have heard nothing but great reviews. I am willing to do what I need to do with the Credit card Company to assure them that this is not a pattern just a fluke misunderstanding.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a complaint involving XXXX XXXX. They have charged off my account # XXXX and sent it to Experian and XXXX for {$15000.00} but yet sent it to XXXX XXXX XXXX XXXX and their saying I owe {$13000.00} a difference of {$2000.00} but I also know they resold it at an auction because the last time a representative spoke to me they said if I didnt pay by the end of XX/XX/2019 they would resale it at an auction. I also have proof but cant attach paperwork.
Consumer complaint received 2022-12-27
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. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.
Consumer complaint received 2021-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

this message is for Transunion and XXXX concerning my XXXX accounts with XXXX ending in XXXX and XXXX the company called XXXX XXXX XXXX XXXX was calling on the behalf of XXXX and sending me notices about my XXXX accounts with XXXX XXXX the company here referred to as XXXX sent documentation to me today as of XX/XX/2021 that the above referenced accounts with XXXX have been closed with XXXX as of the date mentioned. I would like for you to update my credit report showing that the account through XXXX is closed due to this information
Consumer complaint received 2020-06-11
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. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX
Consumer complaint received 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

SOMEONE USED MY IDENTITY WITHOUT MY KNOWLEDGE THEY RECIEVE MEDICAL ATTENTION ALSO SUMMITED FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT AND KNOWLEDGE 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.