davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Consumer complaint received 2022-12-15
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. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. This is uncalled for and you are taking advantage of me during a time of Covid. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my credit report. I'm upset and feeling sick about it. Can you help?
Consumer complaint received 2022-12-15
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)

15 USC 1681 ( a ) - You are in violation of my right to privacy and information I want to be private that's posted on my consumer report is a violation infringed upon my right of privacy.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

My credit files contain accounts both past the statue accounts as well as absolute inaccuracies. 
1.XXXX XXXX  Paid as agreed, XXXX balance. 
2. Medical bills XXXX XXXX ( Paid ) falls under the XXXX 3.XXXX XXXX paid as agreed. 
4.Direct and Federal Loans are being reaged. They are reporting delinquent after 7 years. 
5.XXXX XXXX this is not my account. Also show bankruptcy. 
6. XXXX XXXX XXXX as agreed. History reporting inaccurately. Never 30 day delinquent XXXX through XXXX in XXXX. 
7. XXXX XXXX Paid as ageed.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Conn's, Inc. (TX)

I purchased a {$1600.00} refrigerator in XXXX XXXX from XXXX 's XXXX, the day it was delivered the bends and trays were missing in which I had to go into the store and obtain these items from a floor model. A week later the week of XXXX the whole fron electric panel went out and the ice and water maker did not work. XXXX 's did not repair the refrigerator until the XXXX week in XXXX XXXX and refused to deliver a new refrigerator. During this time XXXX 's offered me extensions so I did not have a payments due during this 2 month period until the issues were rectified. When the refrigerator was finally repaired I called in to make XXXX payment. Now I received information from the XXXX credit bureaus that my account has been delinquent more than 60 days. This information is incorrect and has negatively effected my credit trying to receive a mortgage.
Consumer complaint received 2022-10-15
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. (SC)

In accordance with fair credit reporting XXXX XXXX XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section 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 2019-07-16
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'm so embarrassed end upset because I checked my credit report because I'm looking for a new home. and again I see multiple items on my credit report that are not mine. I have reached out to the FTC and to my local police department. I am doing this on my own behalf and again these items need to be removed asap. XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX CARD, XXXX  XXXX/XXXX XXXX, XXXX/XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, Chapter XXXX Bankruptcy
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2018 I received notification of fraud activity on the credit card i had with XXXX XXXX XXXX The credit card was promptly shut down by bank and investigation was opened into fraud activities detected. 
Ever since then I received no correspondence from the Credit card. It is until I ran my credit report that I noticed that its being reported as a charge off. 
I've made an attempt to clear this from my credit credit report. I have filed dispute with credit agencies about inaccuracy of report and classification of activity while i have received no response from the credit card itself to remedy this huge problem its inaccurate reporting caused.
Consumer complaint received 2021-06-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX is now in XXXX and they do not know our laws and are told to just say no on evrrything you send or call od tel l them aboput fraud or freeze on credit report. 
I have 5 hard inquireys that are n o t mine at all and 2 accounts that arent mine. I sent them police repirt and they said they didnt get. I called and told them to dispute and they didnt understand, hung phone up.They did not do fair credit reporting agencies section 604, 609 o r 611 on my investigation or did it at all. The info on problems are below.

1. 2 accounts with XXXX XXXX  are not mine. 
2. XXXX says I was late on.psyments 4 years ago snd I keep sending them documents showing I made payments on the dates thry said. 
3. XXXX finance says I was late on payments when over seas in war before internet was even like it is now.

4. 5 hard inquireys. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX all in same month bit they say it was me and it wasnt. 
5. XXXX 7 years ago had fraud on my file for XXXX dollars and they want take off like federal and especially state of Pennsylvania it is against law after 4 years. These new breed of empliyees just say they help and either hang phone up or lie. This is what they teach these foreigners how to make it so hard to fix fraud. They lie when they had lawsuiye and now worse. 

If they would go by federal and state law then I would be fine. 

XXXX XXXX XXXX XXXX XXXX XXXX paXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (SC)

Account hacked, account closed by our requests, never received a bill, statements show {$0.00} balance as it should, credit report show balance 2 years past due, was told several times in the beginning, from local branch it was being taken care of that it takes time, same as costumer service, no one know what's going on now and will not resolve it, I have statements they have on file and balance is XXXX
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Bridgecrest Acceptance Corporation (NC)

I sought to purchase a vehicle due to my previous vehicle being wrecked. In doing so I opted to use the same dealer that I used prior. I searched XXXX inventory and found a car that I liked. At the time I was not prepared to purchase due to a lack of finance.During this time I was enlightened as to the laws of Truth and Lending and began discussion with the agent of XXXX. I was under the impression that as the contact made reference to Truth and lending that I would be able to forego a down payment.XXXX made reference to account validation and I knew that I had no funds to give a down payment.I was overjoyed when I was approved even though I had no money in my account. We sealed the offer and I began to deal with financing. The vehicle was delivered to my home and days later I began to receive calls about a Down payment. I attempted to communicate with XXXX about this matter to no avail. I contacted Bridgecrest Credit because my first payment was almost due. Upon talking to Bridgecrest I was told that XXXX placed a repossession order in effect for a {$2400.00} down payment. This tactic forced me to borrow {$2400.00} to keep the vehicle due to necessity. Consequently I am behind due to my repayment of the money that I borrowed and now Bridgecrest is continually threatening me with repossession for my late payments. I should not have to quote law because I know that businessmen know these laws before they underhandedly sell their cars.I want the {$2400.00} repaid to me or placed in honor of my obligatory payments for this vehicle.Thanks in advance for your assistance. I have no problem paying my payments, yet this act placed me behind not only on car payments but my personal bills as well.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

the consumer agenies are violating my rights. 
Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also no permission to report anything using my info pursuant to 15 USC 1681 4.
Consumer complaint received 2024-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: UNITED FIDELITY FUNDING, CORP (OK)

Acquired mortgage loan initiated by United fidelity. 
Home purchase sign date : XX/XX/XXXX United fidelity TRANSFER to Freedom Mortgagr XXXXLetter Dated to me via email XXXX United FidelityXXXX XXXX XXXX Payment provided to United fidelity to be transferred over to freedom mortgage but only transferred partial amounts in the escrow balance not including prepaid amounts associated to cover additional room in my escrow account. 
I notified United Fidelity after receiving my statement from freedom mortgage that did not show my payment of {$2500.00} on XX/XX/XXXX but only showing they sent over only {$2500.00} on XX/XX/XXXX. The notice of transfer was sent to me 15 days later than the service transfer date of XXXX ultimately the confirmed and processed cashier check that went to United for next payment then they never sent it. Also excluding my interest actually applied for XXXX, negating the payments I made prepaid to Hazard and home insurance along with property tax amounts. Remaining not limited but associated {$2000.00} property tax and prepaid 3 months advance to cover additional months for 3 months not including full prepayment of {$2800.00} sent for home insurance for XXXX with XXXX XXXX. In addition the XXXX XXXX contract amount was actually {$2600.00} which I paid XXXX. No refund provided back to me from anyone. 
Summary : XXXX accounting by statement based on date of origination of loan ( servicing transferred from united XXXX XXXX XX/XX/XXXX ) 2. Statement and payments made to Freedom started with monthly payment for XX/XX/XXXX, submitted and provided to start autopay. 
XXXX. Mortgage insurance paid in advance to XXXX XXXX from payee at XX/XX/XXXX loan sign date. 
XXXX. 3 months in advance payments made to escrow at sign date ( XX/XX/XXXX ) for FHA And Escrow. 
XXXX. {$2200.00} transfer from XXXX XX/XX/XXXX XXXX. XXXX
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXXXXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/2022
Consumer complaint received 2022-10-15
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. (CA)

I ordered a copy of my report in and I found out that credit reporting agency indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error, please fix this account as soon as possible. 
XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2022-10-15
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. (CA)

XXXX XXXX ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NM)

I am disputing any and all charges From XXXX XXXX. This was a free trial offered, see attached emails from XXXX XXXX. This was cancelled within the time period allowed. XXXX XXXX has continued to charge me for the original amount of {$310.00} if even though it refunded me initially but charged it back again. XXXX then charged me an additional charge of {$530.00}, which I disputed the charges immediately, but to no avail. The credit card company resolved the the dispute in their favor before I even had a chance to reply. See attached dispute, dates and correspondence.
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was sent through my University of XXXX XXXX email about a " XXXX SURVEY APPLICATION JOB '' on XX/XX/2021. I emailed back under the impression that it was a job through my university. The instructions were to receive a check ( {$1800.00} ), purchase XXXX XXXX related supplies, send the remaining and keep {$220.00} compensation, send back remaining funds, then carry out survey. I received a check via mail via XXXX  and cashed it to my bank. It was not until the check bounced after I sent back the remaining funds that I realized I was scammed. 
I was emailed by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Check was from The Fund for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX {$220.00} was kept in my account. 
I used funds to follow instructions of purchasing XXXX XXXX  related items ( to later distribute and conduct survey ) Sent two {$500.00} payments to XXXX XXXX XXXX through Wells Fargo XXXX on XX/XX/2021 and XX/XX/2021. 
Remaining amount of {$530.00} was sent to XXXX XXXX XXXX via XXXX. 

I called Wells Fargo to report the fraud. They reported it, however, I was to still pay the funds back and they would not take any further action without a police report. 

I called three XXXX stations and each one of them rang until it went to voicemail or call ended.
Consumer complaint received 2021-06-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.