davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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. (PA)

My name is XXXX 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 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MS)

On XXXX XXXX I got a notification from my bank that a withdrawal of XXXX from a ATM was made. I then got another notification for a family dollar of XXXX was made and then I got another one from a family dollar for XXXX. Then I got another notification for a XXXX transaction for XXXX but didnt go thru so it was credited back for the XXXX. I called my bank and notified them of the suspicious activity and let them know I didnt recognize none of these charges. They canceled my card and I received a new card within a week or so.I waited ten business days and called them back on XX/XX/XXXX and they said they wasnt going to refund my money back. I then went to the bank that the withdrawal was made and spoke to a lady representative about what happened at their ATM and she gave me my bank statement and we went thru them. I told her how was someone able to get money out of the ATM without my card and she was mentioning how the person had my pin and she didnt say anything else. She said basically nothing else she can do and to file a police report. Which I did file on XX/XX/XXXX. I have since gone back to the bank on XX/XX/XXXX to speak with the lady representative and she just gave me the runaround and how it was gon na be hard to find out who did it. She basically made me feel like she didnt believe me and how she didnt want to help me with this.I dont like how the bank handled this situation.I need help to get my money back.
Consumer complaint received 2023-03-03
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-03-03
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account 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 XXXX XXXX XXXX : {$390.00}
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (OR)

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 to prevent erroneous information in my file : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (MD)

Notice of FCRA Violation by Penfed Credit Union I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that you have committed. The FCRA, as outlined in 15 U.S. Code 1681a 2 ( A ) ( i ), clearly states that transactions and experiences such as late payments and utilization are not included on consumer reports.

However, I have recently reviewed my consumer reports and discovered that you have reported late payments and utilization on my credit reports, which is a clear violation of the FCRA. This type of information is prohibited from being reported on a consumer 's credit report, and its inclusion may result in negative consequences for the consumer 's credit standing.
Consumer complaint received 2023-03-03
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. (CT)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-03
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. (AZ)

This is my 2nd 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX  XXXX XXXX  XXXX XXXX : {$95.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX  XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX FIN XXXX Balance : {$4300.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} Original creditor : XXXX Balance XXXX {$110.00} Original creditor : XXXX Balance : {$130.00} Original creditor : XXXX Balance : {$82.00} Original creditor : XXXX Balance : {$95.00} XXXX XXXX, XXXX Inquired on XX/XX/2022 XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance XXXX {$150.00} XXXX  XXXX  XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX Balance : {$130.00} XXXX 'S XXXX XXXX Balance : {$110.00} XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2023-03-03
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. (OR)

This is my follow-up 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 accounts 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611XXXX states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-03-23
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. (TX)

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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-03-03
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. (IL)

In accordance with fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

Dear Director, My loan is backed by XXXX XXXX 


According to 1024.17 ( c ) ( 3 ) found on the Consumer Financial Protection Bureau website : Cushion.The cushion must be no greater thanone-sixth ( 1/6 ) of the estimatedtotal annual disbursementsfrom the escrow account. 


United Wholesale Mortgage  performed another deceiving Escrow Analysis ( like all of them by now ) and identified an Escrow Shortage of : {$7700.00} without offering a break down. 


When United Wholesale Mortgage performed this analysis my Escrow Shortage indicated a negative balance of - {$4400.00} ( please see attached ). 


We can only assume that the difference to {$77000.00} is cushion. 


cushion iswrongfulcalculated as : {$3200.00} Considering that my Property Mortgage Insurance, Property Tax and Homeowner Insurance ALL costs $ XXXX, also called total annual disbursements ( please see attached ) then 1/6 of this amount is : {$1500.00} CUSHION SHOULD BE CORRECTLY CALCULATED AS {$1500.00} Please stop violating RESPA and the Federal Law and please enforce the corect amount for the ESCROW ANALYSIS you performedand eventually you will respect my rights as a consumer without constantly abusing me and my account and deceiving me or my account. 


My Escrow Account shortage should be adjusted accordingly and the way you charge it should be spread over a 60 month period.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b 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 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Account name Mercantile adjmnt original creditor discount power which is a light company sold my information that they didnt supposed to do. The keep reporting this account to the credit bureaus thats not right The information is not accurate I can not have two light company serving my address at one time I have a contract with another company My contract expires with discount power my account # is XXXX
Consumer complaint received 2024-03-23
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX 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/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-03-03
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. (VA)

My name is XXXX 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.
Consumer complaint received 2023-05-26
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. (TX)

I did not authorize these inquiries, and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.