davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022, I received and alert that I had a hard inquiry credit pull from XXXX XXXX XXXX XXXX. I did not authorize this. This inquiry was done on all 3 of my bureaus, Experian, XXXX, and XXXX.
Consumer complaint received 2022-04-10
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. (TX)

In the Past 6 months i have disputed mutiple times a couple accounts with transunion. Transunion continues to send me Stall letters saying that the disputes are not from me when in fact they are from myself personally. it is against the CFPB to not provide proper means of verfication when asked by a consumer. There are many deviations according to the standards et forth by Metro 2 that are not being followed for this reporting of the following accounts. i demand that these accounts be removed immediatly from my credit report as Transunion has had more that ample time to verify but chose to send stall letters out instead. My drivers license and proof of residence has been sumbitted many times to prove it was me. and i am sending this complaint as myself and writing this myself as well. Please handle accordingly and remove the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

XXXX of XXXX, I was selected as a Vendor for Super Bowl. I purchased nearly $ XXXX worth of promotional items from a highly recommended company that promised a 1-week delivery. 

After 2 months and no delivery, On XX/XX/XXXX, I opened up an investigation with Wells Fargo with a claim of ( DID NOT RECEIVE PRODUCTS ) on both accounts. 

The first account ( Claim XXXX ) ending in XXXX XXXX Card number ending in XXXX ) in the amount of {$41000.00} through 4 product orders. 

The second account ( Claim XXXX ) ending in XXXX XXXX Card number ending in XXXX ) in the amount of {$38000.00} through 4 transactions. 

The agent reached out on XX/XX/XXXX, and offered to issue a provisional credit while they investigated. They did provide the credit. They also asked me to email the invoices to XXXX. 

I sent the emails, but later found they were sent to card claims instead of cardclaim, which was my fault. After speaking with the rep to confirm the right email address, XX/XX/XXXX, I then sent it to XXXX. 

I received automated kickbacks with the subject : " Read but do not reply from Wells Fargos Claims Assistance Center ''. The following email read " Dear Customer : Please do not respond to this email. If you have questions or require an update about your claim, please call us at XXXX, Monday Friday, XXXX XXXX. to XXXX XXXX, or Saturday, XXXX XXXX. to XXXX XXXX. Eastern Time. We can provide assistance in other languages at this number. We are unable to respond to claim questions through email. Thank you. We appreciate your business. Wells Fargo Claims Assistance Center '' While I reached out to them over and over, I found they had mislabeled the dispute as " SERVICE NOT WHAT I EXPECTED '' Instead of " PRODUCT NOT RECEIVED '' I notified them numerous times that they mislabeled the dispute reason, but was ignored numerous times. I was escalated numerous times, only to be told it'll take 1, 2, 3, and more business days each time with no results, nor update. 

After growing tired, I notified and filed a fraud claim with XXXX Directly after being escalated and getting through to their back-end lines. I was told that there had not even been investigations filed by Wells Fargo to XXXX. 

Not only am I frustrated at Wells Fargo for not investigating what they dropped the ball on. My account provisional credit was also taken from my account causing my account to go into the negative and causing issues with payroll. 

Upon reaching out to them voicing my complaint, I was given the runaround again as if they can care less that I had been ripped off of $ XXXX and saying the claim has been closed. Yes, the same claim that never started an investigation with XXXX. I am opening this claim and plan to sue Wells Fargo for damages and losses if this is not rectified with them doing a proper investigation.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I reviewed my consumer reports and noticed that i had XXXX late payments on a account i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments on this accounts that I have included screenshots inside this complaint in on dates of XX/XX/22 XX/XX/22 Please investigate and provide proof with statements showing that these payments were late, if proof cant be provided i demand these payments to be updated as paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XX/XX/XXXX I opened an account with XXXX. XX/XX/XXXX, I left my card inside of a taxi. I called and reported the card list/stolen. A new card was issued and I was informed to wait up to 10 days to receive. I received this card XX/XX/XXXX. The old account ending XXXX is reporting as close on my credit report but I still have the account history on this account reporting XXXX as if it was open. My new account ending in XXXX and My closed account has the same history reporting on my credit report. This is considered duplicate reporting because I only have 1 open account with this company. The bureau have the account closed but no date as to when it was closed but a status update fir XX/XX/XXXX.
Consumer complaint received 2021-05-14
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: Experian Information Solutions Inc. (CT)

I reached out to all bureaus concerning unverified items on my report and had no response. I have attached the certified letter receipt to this complaint. Here are the tiems i want removed : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2023-11-30
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (TX)

i purchased the gift card on XX/XX/2023 at XXXX. the card was for the amount of {$220.00} with a purchasing fee of {$5.00}. I did not attempt to use the card until XX/XX/2023 and that is when it was declined so i logged onto the website and realized the entire amount had been used. i did not authorize this purchase nor have any idea what is was for. the card issuing company has been completely un helpful in the situation and keeps transferring me to useless departments.
Consumer complaint received 2022-04-10
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. (IL)

I have previously disputed this item Experian XXXX XXXX Bankruptcy discharged reference # XXXX date filed XX/XX/XXXX and date resolved XX/XX/XXXX. I sent another dispute and was responded on XX/XX/XXXX with the following Response, the company who reported the information has certified that information is accurate on XX/XX/XXXX " This unknown entity who reported this information to Experian as accurate has either made a mistake or blatantly lied about the verification because according to the letter which I attached in the add supporting documents upload in your dispute center, it clearly says that they are not responsible for validating and verifying information from consumers credit files. 

Im confused about how this record was verified as accurate and true when there is no way to verify such a record. 

Either way, the reporting requirements do not comply with the letter of the law being FCRA 611 ( 15 U.S.C. 1681I ) as it is impossible for Experian do perform a reasonable reinvestigation or for Experians vendor to do so.
Consumer complaint received 2022-04-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 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 2021-05-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (IL)

I have repeatedly told National Credit Systems to show me documents with my written signature.They have failed to do so instead showing me papers what appears to show my name in electronic signature that I didnt consent.According to FCRA they must show documents with signatures in writing. 
I demand this collection for XXXX from National Credit Systems be remove/delete from my credit report or I will be force to take this situation to small claims court.
Consumer complaint received 2024-03-08
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (DE)

I have XXXX XXXX XXXX but the hospital and the debt collector conspired to collect this debt and damage my credit. They both never attempted to verify the debt or get paid from the insurance company. They must contact the insurance company before attempting to collect this debt. Also, I never used hospital services in XXXX How did the hospital come up with this debt? I was afraid of going to the hospital due to pandemic in XXXX. How did I get charged for services not received?
Consumer complaint received 2021-05-14
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. (GA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

and list of Inquiries.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission. 

( The dispute for the account with XXXX  that starts with XXXX I was never late. 
The dispute for the account with XXXX that starts with XXXX I was never late. 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX I was never late. 
The dispute for the account with XXXX that starts with XXXX I was never late. This is alleged debt trying to be imposed on me. 
The dispute for the account with XXXX XXXX that starts with XXXX I was never late. 
The dispute for the account with XXXX XXXX that starts with XXXX I was never late. The dispute for the account with XXXX XXXX XXXX that starts with XXXX XXXXXXXXXXX I was never late. 
The dispute for the account with XXXX XXXX that starts with XXXX I was never late. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be deleted. My request to delete is not being made in error ; nor is my request to delete being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Simon's Agency, Inc. (GA)

( Simon 's Agency, INC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) has been sending me collection notices in the amount of ( {$50.00} ). The collection notices been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. Also XXXX has updated me report correctly, its just XXXX with some inquires and Experian with some accounts and inquires.
Consumer complaint received 2019-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

The debt ( {$250.00} ) was paid in full 16 months ago ( XX/XX/XXXX/XX/XX/2018 ).

They submitted DEBT/ COLLECTION to 3 Credit Agencies which is still there 16 months later.

I have sent 4 Faxes and called them and they are not responding to my calls or faxes.

I contacted the Original debt owner and they stated that I may have a REFUND.

My credit / APR / has been NEGATIVELY AFFECTED ( for 16 months ) by a company that posted INCORRECT information and is now ignoring my attempts to clear it.

I have already submitted confirmation of payment by check " CASHED '' by XXXX XXXX.

According to XXXX XXXX XXXX XXXX staff, CMRE performs " billing services '' for XXXX XXXX XXXX, but they are NOT reviewing accounts, they are not communicating and they are not answering calls.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Credit Corporation (IN)

On XX/XX/XXXX I received an email stating that I was denied a loan. I never applied for a loan or gave the company my information or permission to run a credit report in my name. I've attempted to contact the company to resolve the issue and they refuse to respond to me and my request for information. I've been attempting to contact them since XX/XX/XXXX.
Consumer complaint received 2015-06-30
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Monarch Recovery Holdings, Inc. (FL)

Do n't know much on that the number and person on the line was very rude and threated to tell my employer and said I will go to jail over a payday loan. Did n't give me any information what company it was from but I looked up their company name and its call Monarch Recovery