davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (IL)

XX/XX/2022 I applied through CREDIT KARMA for a XXXX XXXX  credit card. It was unknown too my knowledge that even with CREDIT KARMAS personal " Excellent Approval Odds '' for myself that I was being deceived, and initially caused a hard inquiry on my credit history. 

This hard inquiry that resulted in dropping my XXXX XXXX. I have worked hard too get my credit back up, and this has caused me too be denied by a few other agencies for a home, and or a car loan. 

Causing my family as well as myself disruptive negative, emotional, and personal self worth impacts on our day too day lives. 

It's hard too better yourself in today 's world when people take advantage of your finances knowing they are falsely giving you hope. 

Thank you for your time, and mainly help with resolving the issues with this situation.
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I am very disappointed in Experian for this is the 2nd time something that is NOT MINE AND NEVER HAS BEEN MINE on my darn credit report! I am sick and tired of this and it's not fair that this bunk debt in which i never did keeps showing up! Stop putting stuff on my credit that ins't mine! XXXX XXXX XXXX XXXX XXXX past due as of XX/XX/2020. 
Status UpdatedXX/XX/2020
Consumer complaint received 2022-03-21
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  ( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly XXXX 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-23
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-03-15
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX WI XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}
Consumer complaint received 2023-01-23
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. (UT)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name and they do not relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

Please see attached documents.
Consumer complaint received 2020-03-12
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. (GA)

There are two fraudulent accounts from XXXX XXXX XXXX  XXXX # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at XXXX  they stated that XXXX XXXX XXXX XXXX unblocked the debt and XXXX has no way of re-blocking the debt back. Which is odd because XXXX have the ability to unblock and block accounts. Per XXXX XXXX they are stating the accounts belong to me due to a fraudulent address and number that was provided to them by XXXX that the account belongs to me. 

The XXXX XXXX accounts are fraudulent. I have NEVER lived at XXXX XXXX XXXX XXXX nor have I had a phone number as XXXX. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore XXXX XXXX needs to please provide me with a copy of all the following : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt. 
A copy of your state license, including license number. 

If they can not validate these debts ; then these accounts will need to be removed.
Consumer complaint received 2024-03-20
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. (MD)

I have filed a dispute with all three credit reporting agency requesting them to remove the more than XXXX XXXX late notice by XXXX XXXX. XXXX  has yet to send me a copy of my account ledger to date or respond to my previous dispute and or complaint with the CFPB. I am not sure if the bureau understand my dispute. I will try once again to explain the error or wrongdoing by XXXX financial. XXXX reported that my account with them is more than XXXX  days late. The time period they are referencing falls doing the time when this account was in Bankruptcy. I filed a XXXX  XXXX bankruptcy XX/XX/XXXX and was given a 48 month repayment plan. I successfully completed this plan and was given a discharge in XXXX of XXXX. XXXX  financial was included in this bankruptcy and all plan obligations and payments were met and I was given a discharge. I continue even through my bankruptcy to make payments as agreed. Once my bankruptcy was closed and XXXX. XXXX XXXX reported that my account was late more than XXXX days. They can't do this. This is in violation of the bankruptcy laws. I have spoken to Maryland XXXX XXXX who advise me to file these disputes. Both time the dispute come back and the credit bureau changes wording or remarks to my credit report but doesn't remove the XXXX late that is still showing on my credit. I successfully completed my bankruptcy and been making all my payments to my creditors on time. My credit score has gone up as a result. NOW my credit score has gone down tremendously because of this reporting. They couldn't report my account late because I was in bankruptcy and they sure can't report it now because those months I was clearly in a active bankruptcy this is a violation of the bankruptcy laws. Please refer to the documents I already submitted it my previous dispute and now my bank receipts showing payments being made to XXXX even during the bankruptcy I couldn't be XXXX days late. This time period would be while I was in a active bankruptcy and payments were made therefore they can't report this. This is illegal.
Consumer complaint received 2019-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

To Whom It May Concern : Horrible experience with Wells Fargo ( complaint number 2019 XXXX XXXX Account number : XXXX ) Federal banking regulations provide broad protections to consumers even when they accidentally surrender bank account information and PIN numbers. That is the law. 

On XX/XX/XXXX of 2019, I was the victim of a robbery, the person who stole my wallet with my debit card has been identified as XXXX XXXX, a homeless man of XXXX XXXX XXXX that possesses criminal records. My Atm number was my date of birth, this man went inside a Wells Fargo branch and took {$2000.00} from my bank account. 
I sent the police report, the police identified the individual, I did call Wells Fargo customer service and I gave them all the information multiple times, these past 2 weeks have been XXXX for me, I suffer for XXXX and XXXX XXXX. I felt betrayed by Wells Fargo 's, I will no rest until bringing justice. 
I feel that some Wells Fargo 's fraud dept customer services are cheating their customers, they are discriminating their XXXX customers, Wells Fargo is Violating the law, their own customer service fraud dept is committing fraud! : Why I think this : They denied my claim without showing me any proof of any investigation. If they really did a proper investigation and not an investigation based on prejudices, they would have seen, the bank security cameras and they would know that never I did such transaction! .I called Wells Fargo 's fraud dept, the same day when the incident occurred, I sent them police reports, I followed all the proper steps and yet, they still violated my consumer rights. 
I politely contacted all their higher supervisors but and until now, and I haven't received any answer, I ' am losing my patience, I am feeling afraid of Wells Fargo, I think some of their employs are corrupted, XXXX people. 
Wells Fargo is violating my rights and I will take legal action if you don't respond correctly to my claim, I didn't do this transaction I was victim of a crime and I demand my money back and I will no accept any longer any more humiliation from your " only English talking " fraud department customer services, your own investigators are cheating your client, they are blaming me to avoid paying for the money that was stolen from me, I will don't accept you that you insinuate that am the thief, or that am making fake reports, all that situation, your actions, has caused me great health damages, I explained multiple time to those arrogant customer services from the ATM fraud department, that they forced me to speak with an interpreted as if Spanish speaking employs from Wells Fargo, were no good enough to handle the fraud cases, they cut me off all the times when I was talking, they were rude and I felt treated like a second class customer. 

Sincerely XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX FL email : XXXX XXXX : XXXX
Consumer complaint received 2020-03-12
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. (NV)

Hello, There is one fraudulent collections account listed on my credit report. I am an american citizen who takes pride in paying my bills on time. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information.Please remove these negative items from my credit file. 

Please Remove : XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Attached you will find all correspondences regarding the dispute of incorrect information. Despite repeated submissions, the credit report continues to send letters requesting additional information. Enclosed is the letter sent to the credit bureau, along with two additional letters from the bureau requesting the same information already submitted. It is evident that the credit bureau is not taking this matter seriously and persistently requests documents that have already been provided.
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-17
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. (CA)

Im resubmitting 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 COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-12-08
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. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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. (DE)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ) ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-17
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. (MO)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-08
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. (KY)

I have reviewed my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Please snd me copies of the documents that you have in your file as of this debt that you used to verify the accuracy of the accounts listed below. I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
XXXX XXXX XXXX XXXX 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 2020-03-11
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Within the past 3 months, I have tried at least 2-3 times to get an invalid trade line, being reported by XXXX XXXX, removed from my Credit Reports. However, despite the conclusive evidence that I have sent in, TransUnion, XXXX  & XXXX  will not remove this trade line because they are in bed with XXXX. 

Anyhow, I have also disputed this trade line directly with XXXX and they refuse to delete it. Fortunately, XXXX sent me a printout of what they consider to be validation of the debt. However, this printout clearly contradicts my payment history. 

For the billing period XX/XX/2018 to XX/XX/2018, the docs sent to me by XXXX claims that I had a previous balance of {$380.00} and no prior payment was received. However, I have attached the email from XXXX showing that I made a payment of {$100.00} on XX/XX/18. Cell phone bills are paid prior to the billing period!! 

Furthermore, XXXX isn't reporting the last payment date or when the account became delinquent. 

I have attached to this complaint my last 3 payments to XXXX along with the bill summary that was sent to me by XXXX as debt validation.
Consumer complaint received 2023-01-17
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. (MS)

accordance with the Fair credit report accordance with the Fair credit report account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights according to XXXX5 usc 1681section 602 A stats I have the rights for privacy 15 usc 1681 section 604 A section 2 it olso stats a consumer could not report without a written promotion from me.