davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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. (MI)

In accordance with the FAIR CREDIT REPORTING ACT The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights XXXXXXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights The Bureaus Collection Account # XXXX has violated my rights 15 U.S.C section 602 A. States i have a right to privacy 15 U.S.C Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states " no consumer reporting agency may make any consumer report containing any other adverse item of information other than records of convictions of crimes which antedates the report more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) states 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 the information is inaccurate
Consumer complaint received 2023-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Experian Information Solutions Inc. (IN)

In accordance with the fair credit Reporting act XXXX 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 purpose.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2023 I deposited an {$8000.00} check into my checking account at a 5/3 Bank branch. The check was from XXXX XXXX and was for a loan against my retirement account. The check cleared the next day. I already had about {$3000.00} in my checking account when I deposited the check. 

On XX/XX/2023, 5/3 Bank put a permanent hold on my checking account and locked me out of my online banking. I tried to call them and when I put in my information, they put me on hold for 30 minutes No one would pick up. So, I went to a branch. 

I was told that there were questions about the {$8000.00} check. I didn't understand since this was a check from a large company. I spoke with a personal banker there and provided him the loan disclosure statement, loan confirmation paperwork and my most recent quarterly statement. I called XXXX and they said they should just call them and they will confirm the check. He forwarded this to the 5/3 fraud department. 

They have still not rectified the issue. They won't call XXXX. They won't bother to do anything. They have returned payments I have made for utilities and other bills. 

I don't know what to do. They have stolen my money.
Consumer complaint received 2022-08-16
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. (CO)

I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous times.

I demand the accounts listed below to be removed because according to 15 USC 1681 : I have a right to privacy and did not give Equifax written to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-03-20
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. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate or unauthorized. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and complete credit reports, and I believe that the items in question do not meet these requirements. 

Specifically, there are several unauthorized inquiries listed on my credit report that have reached the statute of limitation, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. I did not provide authorization for any of these inquiries, and I have no knowledge of them. 

In addition, there are several accounts listed on my credit report that do not belong to me, including XXXX ( account number : XXXX ), XXXXXXXX XXXX XXXX  ( account numbers : XXXX and XXXX ), XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXXXXXX ( account number : XXXX ), and XXXX XXXX ( account number : XXXX ). According to the FCRA, credit reporting agencies are required to maintain accurate information, and any information that is inaccurate, incomplete, or unverifiable must be promptly removed or corrected. 

Therefore, I am requesting that you investigate these items and take appropriate action to remove them from my credit report. I have also included a copy of my credit report with this letter for your reference. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Conduent Incorporated (OH)

I have had no access to my funds, despite my funds being in my account, managed and held at XXXX XXXX XXXX financial bullying and my mercy. My funds were sent to my card XX/XX/XXXX. Today is XX/XX/XXXX. After attempting a call XX/XX/XXXX to the XXXX customer service number on the back of my card, due to my inability to ( for the second time in a week ) access my account online, using the website, I received the same message We have an important message regarding your account. Since I had to go through this not even a week earlier, I knew it was something they were flagging on my account as fraud. ( Previously there was no evidence of fraud and I cleared the account after waiting 45 minutes  to get through to someone ) XX/XX/XXXX I held for over an hour before finally giving up and settled with not having access to the funds and inability to use the funds, for the intended purpose my children and childcare expenses. Today XX/XX/XXXX, I called again at XXXX:XXXX  Central time and there was a message on the line that said we are currently performing a system upgrade and the expected completion time is between XXXX XXXX XXXX XXXX central time ; I held for a representative and was hung up on 5 times in a row, in an attempt to call. All the way up to XXXX! FIVE! I still have no access to my account. No access to online history or any other way to resolve this issue! How is this legal? What option do I have?
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NC)

There were discrepancies on my balance at my dentist office, for instance charges for services I did n't receive. XXXX of the owners, the dentist 's husband actually said he would review it. He called and left a voicemail on my phone on XXXX of 2014 stating that he was going to clear my balance. This year I received a call from the same office stating I had a balance! I then returned the call with no answer and explained the misunderstanding and to call if there were any further questions. Now there is a collection placed on my credit for that same amount. I still have the voicemail ... Thank goodness for technology! I am currently in the process of buying a house, this would prevent me from doing just that. How can I go about getting this removed?
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IA)

XXXX i had FRAUD Charges on my Wells Fargo Debit card totaling over $ 3500+. 

I dont use or have a XXXX  account, i went online and disputed with my bank these unauthorized charges. 

I tried getting in contact with XXXX  by Phone but kept getting a busy line, the bank closed my FRAUD Claim. i dont understand why, i thought i was protected during these types of situations where someone steals my debit card info and spends my money.
Consumer complaint received 2018-06-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NC)

On XX/XX/2017 found debt on account in amount of {$1900.00}. Ex-spouse obtained loan during my XXXX using my name after trying to have item removed amount on credit report jumped over {$3000.00}.
Consumer complaint received 2018-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CA)

I have been making all payments to my loan. In fact I have been paying in excess of my monthly payment. The problem is that they are not applying the excess to my principal but rather they are using it as a pre-payment for the next month. 

I am tying to reduce the principal and payoff early. But they keep this from happening by using my excess payment to " pre-pay '' future payments.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (WA)

I stop a payment with us Bank for XXXX a dispute regarding XXXX XXXX XXXX XXXX # XXXX. I sent in the document from XXXX. Which this company took my money and still my car leaks power steering* pump is very lose and not secure and still making that sleeking noise* need to be flush out replace power steering pump put in an old power steering gear or never replace. They done work on my transmission pan gasket which now is leaking * put in a re manufactured power steering pump. This all happened on XXXX XXXX XX/XX/XXXX.-XX/XX/2016 every other Saturday XXXX the manger had me come down for the same problem and then said he was replacing other things on my care. XXXX was just genny pig with my care I went to XXXX on XX/XX/2016 WHICH I HAD TO PAY {$100.00} for a diagnostic test again I ( want to be refunded back as well from XXXX because I still was having the same problem and my care is in worse condition since I took my care to XXXX. I sent in document of both company and photos to us bank. Now the claim processor wants me to get a third party to prove my case. I keep asking the bank did they receive my documents/ photos that the bank fax into the claim and dispute office. ( No respond ) Why do I need to make more extra run to business to prove my case when I sent in all the information .I been long time customer that just paid off all my credited cards and now I 'm being treated like this .Please help. ** US Bank I need a safe car to drive so I do n't crash and hurt another driver due to the lack OF knowledge of XXXX!! Us Please help** I need my car done correct so it can be safe to drive.
Consumer complaint received 2023-03-20
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which I recently obtained and noticed that there are several inaccuracies and discrepancies on it. Specifically, I have identified the following negative information that requires your immediate attention and correction : The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, NY XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX - XXXXXXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

I would appreciate it if you could investigate these issues and make the necessary corrections to my credit report as soon as possible. I am actively working on improving my credit score, and these inaccuracies are hindering my progress. Please let me know once these issues have been addressed and resolved. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-21
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-21
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. (NC)

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 2023-02-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TFS FINANCIAL CORPORATION (OH)

This is a TAX document. Third Federal Stated my house was taken due to a foreclosure. 

Please explain why on the IRS form 1099 Box 6 = Identifiable Event Code G was put in box G per the instructions for Debtor located on the back of the form corresponds to Decision of policy to discontinue collections PLEASE EXPLAIN WHY OPTION D Foreclosure Election was not selected. 

My credit report indicates the debt is due to a foreclosure and has been placed on my credit report. 

On XX/XX/XXXX XXXX I received a letter from Third Federal stating the information ( foreclosure ) is correct.

This is contradicting and would be a falsification of information.

Given these are tax documentation which are supplied to the federal government, is reporting information in this contradicting manner LAWFUL Third Federal Please Explain. 

How can you state in box 6 a foreclosure is not selected yet post I owe money for a foreclosure on my credit report?
Consumer complaint received 2023-03-21
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. (GA)

I recently discovered that Experian has included accounts on my consumer report that resulted from an alleged identity theft. The accounts contain information that is not related to any transactions made by me, and I did not benefit from them. To address this issue, I sent Experian written correspondence that included proof of my identity, an identity theft report, identification of the inaccurate information, and a statement as required by law. Experian is required to block and delete the accounts within four business days of receiving my notice.
Consumer complaint received 2020-02-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$3200.00}, {$1500.00}, {$14000.00}, {$4900.00}, {$3000.00}, {$1500.00}, {$1300.00}, {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-- OPEN ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4900.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC (PA)

Received a " live check '' in the mail in the amount financed is {$3500.00}, Finance charge is {$1700.00}, Total payments {$5200.00}, monthly payments are {$130.00} due the XXXX of the month, which I continued to pay until XX/XX/XXXX. I was unable to continue making payments and was questioned by a Manager at a Pennsylvania Branch office did I still have the bank account I cashed the check at. I responded in writing XX/XX/XXXX I never gave my permission to this creditor to have access to my account, and I am aware of {$1.00} late fee he quoted, and reporting delinquency to the credit bureaus. I contacted this company to restart payments and was told interest and fees have accumulated daily and the amount owed now is {$3600.00} and per my records I owe {$3200.00} plus late charges.in the amount of {$1.00} per month. On XX/XX/XXXX I received an email for an offer to settle this debt. On XX/XX/XXXX I spoke with an employee of Mariner Finance and was offered {$2000.00} to settle if paid by XX/XX/XXXX. I requested a XXXX in an email I sent XX/XX/XXXX in the amount of {$3500.00} per my credit report which is incorrect. l was NEVER informed nor received anything in writing about collections and interest charges being accrued daily.