davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019 filed identity theft report with the federal trade commission {$390.00} {$500.00} acct number XXXX XXXX XXXX XXXX acct number XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX wa XXXX In accordance with the Fair Credit Reporting act 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NY)

On XX/XX/XXXX, I requested a credit report from XXXX as I noticed that my credit score had gone down considerably from last month. On the report there was a debt collection. I called XXXX, also on XX/XX/XXXX and was told that Sunrise Credit Services was collecting a {$2200.00} debt for XXXX XXXX XXXX, XXXX. The account was opened on XX/XX/XXXX and the phone number issued was a XXXX XXXX XXXX under my maiden name, XXXX XXXX. A phone was purchased for {$1900.00} and the remainder of the debt was in unpaid bills. I disputed the claim once already at XXXX XXXX XXXX XXXX XXXX XXXX is holding me responsible. 
I have put in a fraudulent claim to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Not only have I not used my maiden name in 25 years, I live in New York, have never lived in Massachusetts and do not have any friends or family in Massachusetts or associated with the mobile number XXXX 
Please advise. 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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
Consumer complaint received 2022-06-05
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # 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.
Consumer complaint received 2022-06-05
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # 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.
Consumer complaint received 2023-10-18
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. (CA)

My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
Consumer complaint received 2022-06-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I began disputing inaccurate information on my consumer report with Experian via certified mail on XX/XX/XXXX I filed several CFPB complaints along with supporting documentation, providing proof of inaccurate reporting and Experian has failed to comply with consumer laws as outlined by congress. Here are a list of the complaints that I have filed since XXXX XXXXXX/XX/XXXX : XX/XX/XXXX CFPB complaint # XXXX ; XX/XX/XXXX CFPB complaint # XXXX ; XX/XX/XXXX CFPB complaint # XXXX ( including FTC Identity theft report # XXXX XXXX ; XX/XX/XXXX CFPB complaint # XXXX ; XX/XX/XXXX CFPB complaint # XXXX ; The following consumer violations have been committed against me : 15 USC 1681a ( 2 ) ( i ) - exclusions from consumer report 15 USC 1681 section 602 A-violation of my privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions 15 U.S. Code 1681i-violation on length of time to investigate and reinvestigate U.S. Code 1681s-2- prohibition of reporting info with actual knowledge of errors U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting U.S. Code 1692e- furnishing false and misleading information on my consumer report 15 U.S.C 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 2022-11-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

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. 

FOR EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-14
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which I remember I paid in time. I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I found that under section 605b of the FCRA you are required by law to correct & update any accounts or information which is found to be late due to negligence. The dispute items were paid in time. Please correct/update these files. XXXX XXXX Date opened : XX/XX/XXXX Balance : {$850000.00} and XXXX XXXX XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$560000.00}. According to FCRA, the 3 CREDIT REPORTING AGENCIES shall update any information in the file of a consumer that the consumer identifies as information that resulted from blunder of the creditor, not later than 4 business days after the date of receipt. If you feel there is a possibility these accounts were paid in late I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-05
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. (FL)

I ordered a sofa online from XXXXXXXX XXXX XXXX. I submit the purchase through XXXX. On or about XX/XX/XXXX, Two delivery men brought an unpackaged sofa to my door with a hole in the back of the sofa. One of the delivery men pointed to a hole in the sofa so I told them to take the sofa back to the store. I never ordered a sofa with a hole in it. They sent me the wrong sofa. The delivery men took the unpackaged sofa and rest it down on the dirty wet ground in the parking lot area. One of the delivery men came back to my house to have me sign a form stating the sofa had a hole in it and it is being returned to the store. The sofa was damaged that is why the men never brought the sofa into my home. I do not have their sofa. Any agreement I sign with them is null and void because you have to prove to me by law you can have someone sign an agreement to accept damaged products in their home and pay for it. 
At this time, XX/XX/XXXX, this is harassment. I would like to know how I can file fraudulent harassment charges against Experian and XXXX... I have also disputed this issue with Experian several times. The solution can not be to pay the bill or you will defame my character since XXXX and you never consider the consumers ' issues. I'm constantly telling this story over and over again since XXXX and nothing is being done.
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with WAKEFIELD plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$360.00} Account XXXX Amount Disputed : {$360.00}
Consumer complaint received 2022-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial LLC (TX)

We received a notice from Assured Collections saying we owed {$900.00} for a product on date of service XX/XX/2020 to a company called XXXX XXXX XXXX. I called XXXX but their number was disconnected. I sent an email to the collection agency but have not heard back. I called my insurance company XXXX to see if they ever received a bill from XXXX and they had not.
Consumer complaint received 2022-06-05
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: EQUIFAX, INC. (GA)

A hard inquiry was pulled on my account on XX/XX/2022 without my consent. The name is XXXX XXXXXXXX XXXX. I did not authorize this at all.
Consumer complaint received 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A hard inquiry was pulled on my account on XX/XX/2022 without my consent. The name is XXXX XXXX XXXX. I did not authorize this at all.
Consumer complaint received 2022-06-05
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Bank, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # 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.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo XXXX XXXX XXXX XXXX for XXXX XXXX Wells Fargo XXXX # XXXX XXXX XXXX Wells Fargo issued check to XXXX XXXX for {$3500.00} compensation for add on products and services that were sold to him as elderly person XXXX XXXX is deceased XXXX, XXXX, XXXX This check was forwarded to us by current resident of Warrens house and we received late XXXX XXXX XXXX, XXXX Contacted Wells Fargo XXXX XXXX number listed in letter to request check issued to XXXX XXXX ( Power of Attorney for both of his parents ) XXXX XXXX, XXXX Wells Fargo send email telling us information that was needed for check reissue request XXXX XXXX, XXXX Submitted this information to Wells Fargo received confirmation # XXXX XX/XX/XXXX Contacted Wells Fargo XXXX XXXX because they sent XXXX a XXXX for Interest Income ( even after being informed he was deceased and a new check needed to be XXXX was sent to his wrong old address we again updated the correct address to make sure it was correct to send the check They said we would be receiving check within XXXX weeks XXXX XXXX, XXXX Contacted Wells Fargo Customer Care because we had not received check They said they had sent email asking for more documentation. They typed in our email address incorrectly and we didnt receive email. Told us information they needed XXXX XXXX, XXXX Sent Wells Fargo documentation they requested see copy of email XX/XX/XXXX Still no check so contacted Wells Fargo Customer Care. They said they had received documentation we sent XXXX XXXX and were processing it. We should receive a check within 20 30 days. 

XX/XX/XXXX Still no check. Contacted Wells Fargo Customer Care. They said they received supporting documentation to complete check reissue on XX/XX/XXXX and we should receive check within XXXX days. Since we did not send any additional documentation for them to receive on XX/XX/XXXX makes us suspicious. They seem to be saying repeating the same answer each time we call to follow up on why we havent received a check.
Consumer complaint received 2022-11-07
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. (AZ)

I received a letter dated XXXX XXXX fr0m TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Stating that my credit report has information for XXXX XXXX  credit cards that my interest rate was to be raised due to the : serious delinquency, not explaining what the delinquency is. That my ratio of credit limits is too high ( yet no late payments and I always pay much more than minimum and on time. Also that I had too many accounts ( again, paid on time and paid off! ) And the delinquency is unknown, TransUnion has no idea! TransUnion has for many years given these false, undated and unknown credit reporting and clean my files and continue to update.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (CA)

T0 whom this may concern : The Following debt of {$650.00} by Southwest Recovery Services is not my debt. I have repeatedly contacted to inform of IDENTITY THEFT for this account. This Debt was not completed by me. My identity was wrongfully used for this account. I have contacted a lawyer regarding this debt trying to be falsely claimed. Under the FDCPA laws you are trying to collect a false debt from the actual person not responsible. My lawyers are ready to sue in in court for wrongful accusations and defamation of character. I will be seeking punitive damages for the continued negative collections on my credit which have in return caused hardships for my future.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I received my reinvestigation back from TransUnion and XXXX regarding this account : XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from XXXX comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Consumer complaint received 2022-06-05
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. (VA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-04-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (ME)

I was purchasing furniture at XXXX 's XXXX in XXXX, Maine and was prepared to pay for my entire purchase in cash. The salesperson convinced me that they had financing that would have no interest or fees for twelve months and so it was " same as cash ''. I said I would be interested in that and the salesperson asked me for some information and signed me up. I did not get any terms or paperwork. After making the purchase I received my first bill and there was an annual fee of {$49.00}. 

I contacted Fortiva and they refused to refund the charge and were unable to provide any signature or proof that I received and/or agreed to their terms. When I asked for more information they would transfer me to someone else who would just state the same things.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My XXXX reports are inaccurate. These inaccuracies are causing XXXX to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future XXXX
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Today at XXXX I received a text from Fifth Third : A charged of {$600.00} posted to your card on XX/XX/XXXX if you do not recognize this click XXXX XXXX XXXX to stop payment. 

I do not have any banking/financial relationship with Fifth Third. Fifth Third moved into the area and took over the XXXX XXXXXXXX XXXX back in XXXX or XXXX. I did bank with XXXX XXXX and closed my checking and savings shortly after Firth Third took over and began offering a different type of customer service. 

I clicked on the link but stopped the spin/search it was doing. Blocked the number and came to this site. I then sent a text to XXXX with a screen shot of the Fifth Third communication. My service provided received the text and they'll take it from there. 

I received a text last week from Fifth Third on XX/XX/XXXX they were cancelling or stopping the debit card ; I deleted the text and blocked the number because it was weird considering I do not have a debit card or any card with Fifth Third and shouldn't receive a text from them at all. I mentioned to the teller at my credit union how odd I thought the text was. ( I happened to be at the credit union when the text came through ). Thank you for your attention and consideration.
Consumer complaint received 2022-06-05
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. (OH)

In accordance with the Fair Credit Reporting Act, bankruptcy account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A hard inquiry was pulled on my account on XX/XX/2022 without my consent. The name is XXXX XXXX Bank. I did not authorize this at all.