davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
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. (IL)

XX/XX/2018, I sent correspondence to the bureaus regarding fraudulent accounts that are on my credit report. The fraudulent account is still listed on my credit report. Pursuant to Section 605B of the FCRA i would like to have this fraudulent item blocked.
Consumer complaint received 2023-09-16
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. (FL)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2022-04-14
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. (MS)

This is a notice that the Experian XXXX XXXX XXXX has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian Corporation to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account XXXXXXXX XXXX XXXXXXXX XXXX - XXXX
Consumer complaint received 2019-11-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Attached are documents PROVING this account can not be validated or verified and needs to be removed from my report IMMEDIATELY. In addition, please send my check allowed to me under the FCRA for continuing to report information that was not 100 % truth, impacting my ability to get new credit.
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. (VA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-09-16
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =========================== UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I refinanced my home in XX/XX/2022. 
I decided to pay off 4 of my credit cards. 
Bank A is XXXX Bank. 
Bank B is Citi Bank. 
Bank C is a not to be named bank. They received their check, cashed it and posted to my account- no issue. 
Bank D is a not to be named bank. They received their check, cashed it and posted to my account- no issue. 

The title company mailed me my copy of my new and notarized loan docs along with 4 checks made out to a specific bank- to pay off each credit card. 
[ 1 ] The title company [ XXXX XXXX XXXX ] sent me the check made out to Bank A for {$6400.00}. I added a hand written note indicating what the check is for and the credit card account number the check is to be applied to. 
[ 2 ] The title company [ XXXX XXXX XXXX ] sent me the check made out to Bank B for {$7700.00}. I also added a hand written note indicating what the check is for and the credit card account number the check is to be applied to. 

After a week I went on the banks website and noticed that the payment was not applied, I called my loan officer. I called me back and told me the title company has the cancelled checks from BOTH Bank A and Bank B. He sent my copies of both checks - then front of the check and the back of the check. He also gave me the date and time Bank A received and processed their check and the date and time Bank B received and processed their check. 
I called each of the banks customer service phone numbers and after talking to numerous people in each bank I was able to open a CASE regarding this issue of loss of payment and applying to my respective accounts ; thus I have Case XXXX with Bank A and a case XXXX with Bank B. 

Both banks promised quick service [ a lie ] ; Bank A gave me a conditional credit until this issue is resolved ; Bank B said that I will have to make a payment until this is resolved [ including added interest ]. 

Also both Bank A and Bank B told me this will be resolved within 2 or 3 business cycles. They DO NOT HAVE THE STAFF TO WORK ON MY ISSUE.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been unable to get my TransUnion credit score for quite some time now. I am unable to see it through XXXX XXXX, XXXX XXXX, XXXX XXXX, and even TransUnion online monitoring service. At first I thought it was a 3rd party issue when my local bank, XXXX XXXX, and XXXX XXXX could not show my score. I then paid for TransUnion monitoring service of just their bureau w/ score for {$9.00} on XX/XX/22 when I logged in it showed my score was XXXX like everywhere else I had been seeing. The system offered me a " trial period '' of 30 days to see my score and then $ XXXX which I opted to take advantage of to see if that would give me my score. It directed me to setup another profile which I did but then instead it billed me {$29.00} and yet again I did not have my score. I have called into TransUnion on a weekly basis regarding this issue and to this date I still don't have my score. Their representatives are hanging up on me, stop responding by muting themselves, or trying to help but still not remedying my issue. At this point all I want is to be able to see my score and I would also appreciate a refund as the issue is obviously being created by them as I can't see my score even with their products.
Consumer complaint received 2024-01-28
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: DISCOVER BANK (TX)

discover states account was charged off for {$4200.00} on XX/XX/XXXX disreguarding a lup sum payment of {$4000.00} made XX/XX/XXXX, data reporter refuses to list the payment in credit report after more than XXXX disputes filed thru XXXX reporting service. copy of receipt for the {$4000.00} payment was downloaded with dispute, yet file has not been corrected as of XX/XX/XXXX results of dispute have not changed since first fileing dispute XX/XX/XXXX, Data reporter still states {$4200.00} write of knowing that is incorrect write of amount as of XX/XX/XXXX is {$190.00} that will be paid XXXX  credit for the {$4000.00} payment is listed and dispute is corrected or file removed for being incorrect
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX
Consumer complaint received 2022-08-26
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)

I contacted XXXX, XXXX, and Experian and I never disputed anything. Instead XXXX disputes my accounts without my permission. All my info was in the breach and I am demanding everything to be removed. I never gave permission for a 3rd party to report anything to my consumer report. XXXX lies about investigating and never show proof of investigations. XXXX is reporting the wrong personal information which I advised them many times.
Consumer complaint received 2022-02-23
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)

My name is XXXX XXXX, 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.
Consumer complaint received 2022-08-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Unifin Inc. (MD)

XXXX XXXX XXXX XXXX PRADARORY ILLEGAL TATICS CONTACTING AT MY WORK PLACE THIS IS A GOVT PHONE NUMBER! AT MY WORKPLACE I SENT THEM A CEASE AND DESIST DO NOT CONTACT ME EVER AGAIN
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: INVESTORS BANK (CA)

Hi I was charged by XXXX XXXX XXXX with an unauthorized charge and then them trying to cover it up after i disputed the charges by saying they have the product and reciept which was create after the dispute. Its been two months and this is my second dispute. The business reached out after I disputed and acted like they were going to supply a product. 
I asked them what product and they said they had a receipt for something I ordered, which was incorrect. I had received fraudulent charges on my card two other times thereafter that were denied due to me having my card locked at the time and in which the company tried to deny those charges as well. 

at the same time i addressed the store they forwarded me a text with reciept that showed they were giving me a deal with a discount!! 
This company does not follow proper business protocalls and is scammers with bad business ethics. Don't Let your info get in their hands. 

I wouldnt recommend doing business or let your personal info get into their hands.
Consumer complaint received 2024-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NV)

I have made payments toward loans that all have been cancelled. The first on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have contacted NelNet and can not receive a conclusive answer as to what is causing this issue. I talked with my bank ( XXXXXXXX XXXX ) as well since I was messaged by nelnet loan servicer to use a different payment method. All payments continue to not go through ( state processing, completed, and then back to canceled with no money leaving bank account ) and I can not reach Nelnet. I have contacted them 3 times today ( XX/XX/XXXX ) but was told by the automated voice that their call center is closed. On their website it clearly states XXXX. I have made 3 calls to nelnet in the past with one customer service person saying that Im only paying a small amount of interest monthly but didnt really answer why my payments are not going through. I am being charged interest daily and would appreciate help in paying my loans back.
Consumer complaint received 2017-08-30
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 've disputed this account before, and still have not seen proof that this account is mine per FCRA section XXXX. It 's just being verified verbally without supporting evidence that it 's mine. XXXX is the old complaint, I know for a fact that account is not mine, show me my signature that it is. Still waiting for a fair shake from these people. Maybe my next step after this should be the FTC, or the attorney General.
Consumer complaint received 2022-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (FL)

I got a {$700.00} loan from this company thinking it would be over once they got {$700.00} with some interest back for it. Apparently their idea was to keep billing me {$180.00} for the next given period of time amounting close to {$4000.00} dollars! I already paid {$740.00} and now its showing that my pay off as of today is {$930.00}. I called them some odd weeks back to ask them if they would close out my account because after I did some research I realized they never told me about my right to rescind after one of their representatives called me to pressure me/ rushed me to docu-signing the agreement electronically did I get the information regarding the contract. I had already been duped into signing the agreement in so many ways ( basically me not knowing they were locking me into a predatory loan with super high interest rates ).
Consumer complaint received 2022-12-09
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: WELLS FARGO & COMPANY (FL)

There are a few XXXX listed on my credit that I did not approve, authorize or considered to be on my credit. Seems to be opened due to fraud and I have attached my FTC report as well to this. Please remove this from my credit ASAP.
Consumer complaint received 2022-08-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

my sister signed my name to her rental lease for her apartment. I told the police dept in the jurisdiction but they refused to file a report stating it's he said. she said. I then contacted the credit agency and they told me a file an FTC report which I am doing.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Confirmation of the inability of this agency to report timely or accurately! Score was XXXX a day or so ago now dropped even while all of outstanding debts PAID! XXXX XXXX Experian XXXX XXXX XXXX XXXX As of Today XXXX FAIR XXXX POINTS XXXX XXXX TOTAL DEBT {$18000.00} CREDIT USAGE 89 %. How pathetic they do not pull correct balances ndpost. In my opinion indicative of a desire to keep scores low for millions!
Consumer complaint received 2021-08-28
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. (MA)

Equifax continue to violate the FCRA with XXXX account XXXX. Date last active has been Re-aged. This account has been Re-aged from XXXX to XXXX. Re-aged account is a very serious violation of the Fair Credit Reporting Act requirements. This account also has multiple inconsistency reported by Equifax. Inconsistent reporting is a violation of the FCRA. I have circled and highlighted the R-aged account and multiple inconsistent reporting by Equifax. This violation Re-aged account and inconsistent reporting by Equifax has injury and harm my ability to obtain financing.
Consumer complaint received 2022-02-23
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. (FL)

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$1000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX , AC # XXXX, XXXX, Amount {$580.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX , AC # XXXX, XXXX, Amount {$300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$910.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX , AC # XXXX, XXXX, Amount {$560.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, XXXX, Amount {$530.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$5900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Consumer complaint received 2021-06-12
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)

There are accounts that are NOT mine, or they are in clear violation of the FCRA Laws. Additionally, there is an address in which I have clearly never lived. I don't think anyone can live in a P.O.Box as a residency. This is NOT my address nor have I ever lived there and I have owned my own home paid in cash at XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Please remove any other addresses, and please remove those three accounts listed on my credit report because of the clear FCRA violations. Thank you.
Consumer complaint received 2023-09-16
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. (NY)

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