davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/21 someone tried to transfer {$100.00} from a Wells Fargo checking account in my name ( XXXX ) to open a savings account ( XXXX ) at XXXX XXXX XXXX XXXX XXXX 

I do not have active accounts at either institution.
Consumer complaint received 2021-11-18
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. (OH)

This is my SECOND time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX  # XXXX -CREDIT FIRST XXXX XXXX # XXXX -DEPT OF ED/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX XXXX OF EDUCATION/XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX # XXXX
Consumer complaint received 2024-02-17
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. (NV)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lawson Hamilton & Associates (CA)

LAWSON HAMILTON AND ASSOCIATES is attempting to collect a debt on behalf of a medical provider that I do not owe. The charges calculated by the provider 's medical biller are false. I informed my provider of the bills I began to receive from his medical biller years ago and inquired about the validity of charges. He informed me not to worry about it. Now, I have a collection on my credit report.
Consumer complaint received 2023-07-17
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
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 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
Consumer complaint received 2021-11-18
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: U.S. BANCORP (CA)

this is to provide more information to the investiagtors regarding this fraudulent application. I have attached the most recent response from elan financial. They state that I sent in an identity theft victim 's affidavit to them but I never lived at the address they claim this form was sent from. I XXXX  this form and it is a generic form that anyone can send in. It is my understanding that many credit repair companies use this form and is used by many for identity theft. The phone number XXXX is not my number and if it is under my name then someone has opened it fraudulently under my name. I respectfully ask that you review this information and close this fraudulent account. If there is anything else you need to help resolve this, please let me know. I need this account closed out because you are reporting this account with my social and allowing access to my current information to the identity thieves by your continued reporting of this. I do not want more accounts opened using my social.
Consumer complaint received 2022-05-23
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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 2021-11-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Team Recovery Inc. (OH)

TEAM RECOVERY INC . 
XXXX XXXX  XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX In Violation pursuant 12 USC 4502 ( 25 ) Pursuant 15 USC 1692c communication in connection with debt collection and 15 USC 1692b. Acquisition of location information.
Consumer complaint received 2022-05-23
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. (IN)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX XXXX Balance Owed : {$9400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-19
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. (GA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-11-19
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)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-02-12
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. (IL)

I am not the originator of the enclosed information on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX never late US DEP ED XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX ; XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2021-11-19
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. (KS)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, misleading information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Report : XXXX  Inquiry Date XX/XX/2020 ; XXXX  Inquiry Date XX/XX/2020
Consumer complaint received 2021-11-19
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: i3 Lending, Inc (MI)

I made a mortgage application with I3 lending on XXXX/XXXX/15. I submitted a complete application including name, social security number, dob, address, income, and assets. I was never contacted and did not receive my required respa disclosures. The only contact I ever received was an email thanking me for my application and telling me I wold be contacted.
Consumer complaint received 2022-05-23
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. (IN)

This is XXXX XXXX, and I am submitting this complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

I setup automatic payment for my Credit Card from Wells Fargo. I setup the automatic payment three times once when I activated the Credit Card, second time on XX/XX/2018, and third time on XX/XX/2018. 

Twice, Wells Fargo has failed to process the payment by due date and has assessed the late fee. The first time was {$27.00}, which after several conversations with supervisors and managers resulted in the reversal. 

The second time a late fee of {$37.00} was assessed on XX/XX/2018 by Wells Fargo and despite admitting that error is on their part, still refuses to reverse the charge. 

This is not to mention that the card has 0 % interest offer. Which is why I opted to transfer balance on to the card. 

Wells Fargo also did not give me information on whether the 0 % offer is still intact.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequoia Financial Services (CA)

I do not have an account or a relationship with Sequoia XXXX XXXX. I do not have a contract with Sequoia XXXX XXXX. This alleged debt is listed on my consumer credit report. The alleged debt has not been validated.
Consumer complaint received 2021-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Renton Collections Inc. (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX Credit Bureau and found that this RENTONCOLL ( Original creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Consumer complaint received 2021-11-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

I went to pay my mortgage as usual and when I logged in to Mr. Cooper website my mortgage went from XXXX to XXXX without notice. I contacted my closing attorney and loan officer and they told me the servicer is incorrect. The servicer has me down for XXXX in property taxes but the XXXX 's where I live gave me documentation showing my taxes is XXXX. I have been getting debt collection calls. my payment is still showing as if I didnt pay my mortgage. they said it is a partial ; payment. 

They tried to charge me to pay over the phone because the website does not give you an option to input an amount to pay.
Consumer complaint received 2024-02-17
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. (GA)

In accordance with the fair reporting act the list of accounts below has violated my federally protected consumer rights to my privacy and confidentiality under 15 USC 1681. 

Account name Account Number XXXX XXXX XXXX XXXX account. {$1600.00} past due as of XX/XX/year> XXXX XXXX XXXX. {$930.00} past due as of XX/XX/year>. 
XXXX  XXXX XXXX Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/year>. 
XXXX  XXXX XXXX Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/year>. 
XXXX  XXXX XXXX Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/year>. 
XXXX XXXX XXXX XXXX Collection account. {$5100.00} past due as of XX/XX/year>. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may n treat a payment on a credit card 366 account under an open end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, REMOVE ALL CLOSED WRITTEN OFF CHARGED OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS AND DEFAMATION OF MY CHARACTER AND A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!
Consumer complaint received 2022-09-28
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. (FL)

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 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXBankruptcy XXXX, XXXX XXXX, XXXX
Consumer complaint received 2022-05-23
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. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020