davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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. (NY)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Mailed a letter to provide accurate personal information that should be reporting and provided current address ( a water bill ) that should be reporting and I was denied. They are requesting the same information I provided to them again. You have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

1 ) Consumer reporting agencies must correct or delete inaccurate, incomplete information. 
2 ) Consumer reporting agencies may not report outdated information. Including personal information.
Consumer complaint received 2022-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX Accounts listed below 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 Accounts in violation of my rights are listed as follows : XXXX XXXX XXXX  Acct # XXXX, DEPT OF EDUCATION/XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Credit Card Acct XXXX XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX Educational Acct # XXXX, DEPT OF EDUCATIONXXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX XXXX DEPT OF EDUCATION/XXXX Educational Acct # XXXX, DEPT OF EDUCATION/XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX XXXX Credit Card Acct # XXXXXXXX DEPT OF EDUCATION/XXXX Educational Acct # XXXX, DEPT OF EDUCATION/XXXX Educational Acct # XXXX, XXXX XXXX XXXX  Date : XX/XX/XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Date : XXXX XXXX, XXXX, XXXXXXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX  Date : XX/XX/XXXX, XXXX account Acct # XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Educational Acct XXXX XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX Date : XX/XX/XXXX XXXX
Consumer complaint received 2022-03-20
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. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX # 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2017-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

There is no proof this debt is mines, I have been having medical insurance for the past 10 years not sure what is going on. HIPPA law protects me with this issue. They do n't have any signatures from me, they cant prove why I was in the hospital.
Consumer complaint received 2022-03-20
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. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to XXXX, XXXX, or XXXX any person at the called number.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I had {$800.00} in eight {$100.00} bills to deposit into my Wells Fargo checking account. The ATM I used scanned all eight bills and only identified five of the bills as valid deposits. It rejected the remaining three bills and attempted to return them to me. It must have gotten jammed, as it tried repeatedly to dispense the three bills that it rejected. The bills were unable to be dispensed and the ATM eventually gave up and my transaction ended and I was logged out. The screen gave a notice that cash deposits were no longer accepted. Only {$500.00} of the total {$800.00} was deposited to my checking account. I called Wells Fargo customer service immediately to open a case regarding the transaction. They credited me the missing {$300.00} until they could investigate further. 6 weeks later I received a letter in the mail stating that my claim was denied and the {$300.00} credited to my account would be deducted again.
Consumer complaint received 2022-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordinace with the fair credit reporting act. XXXX  account XXXX XXXXXXXX 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 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 2022-03-20
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Accounts listed below 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 Accounts in violation of my rights are listed as follows : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX  Acct # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Credit Card Acct XXXX XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXXXXXX XXXXl Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXXXXXX XXXXl Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXXl Acct # XXXX, XXXX XXXX XXXX Credit Card Acct # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, XXXX  XXXX Credit Card Acct # XXXX, XXXX XXXX Credit Card Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Date : XXXX XXXX, XXXX, XXXX FCU Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX account Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Educational Acct XXXX XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX Educational Acct # XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX, XXXX  Date : XX/XX/XXXX XXXX
Consumer complaint received 2022-03-20
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. (TX)

in accordinace with the fair credit reporting act. XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT WORLD SERVICES, INC. (MO)

Someone used my information to open an account with XXXX XXXX XXXX XXXX.I filed a police report on the matter. Credit World Service is now reporting the account on my XXXX   Credit Report under account XXXX for {$410.00}.
Consumer complaint received 2022-03-20
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: Consolidated Information Services Solutions, LLC (GA)

I have been in writing letters to the main XXXX collection agencies and the companies that have been putting the inquiries on my report that I'm not aware of. They are telling me they can not be remove and are verified. I'm not sure how it was verified but I have asked on several occasions on how was the inquires validated and then there is no response because no one has proof I even applied for this credit and failed to respond.
Consumer complaint received 2022-03-20
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: Supreme Lending (GA)

I have been in writing letters to the main XXXX collection agencies and the companies that have been putting the inquiries on my report that I'm not aware of. They are telling me they can not be remove and are verified. I'm not sure how it was verified but I have asked on several occasions on how was the inquires validated and then there is no response because no one has proof I even applied for this credit and failed to respond.
Consumer complaint received 2015-05-30
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (GA)

I RECEIVED XXXX CREDIT CARD ( VISA ) FROM CITIBANK YESTERDAYXX/XX/2015. IT WAS XXXX FOR ME & ANOTHER WAS MY HUSBAND. I NEVER EVER REQUESTED A CREDIT CARD FOR MY HUSBAND. I AM VERY UPSET WITH CITIBANK, HOW THEY GOT HIS NAME. MORE OVER CITIBANK 'S CUSTOMER SERVICE ISVERY POOR. CUSTOMER SERVICE IS OUT OF U.S.A. & THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. THEY DROP CUSTOMER CALL WHEN EVER THEY LIKE TO DO SO. THIS IS VERY RIDICULOUS. CITIBANK SHOULD BE PUNISH TO DO SUCH ACTION WITHOUT PERMISSION OF CUSTOMER.
Consumer complaint received 2022-03-20
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. (GA)

I sent certified letters to the Bureaus on XX/XX/2022 regarding me being a victim of Identity Theft. The Bureaus received the letters, according to the tracking, they received the letter by XX/XX/2022. In the letter I included a police report and an affidavit form asking them to please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. However as of XX/XX/2022 these items are STILL on my credit report. As a consumer I have the right to a credit report that is 100 % accurate. As a victim of identity theft this information should not be in my file.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for {$440.00} I would like Equifax & XXXX to conduct a fair legal investigation and once the investigation is complete remove the account. Please note XXXX has already legally deleted this account from my report..Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2017-08-17
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. (MD)

A collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX was reinserted on my Experian account as a newly opened collection account. There are four different discrepancies that I would like to address related to this account. 1. If any information has been deleted from a consumers file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. The initial collection resided with XXXX XXXX and was deleted from my XXXX credit report approximately on XX/XX/XXXX. I did not receive any type of notification that this account would reappear on my account as a new collection. This is a Fair Credit Reporting Act violation. 2. The balance due is incorrect. 3. The date of service is incorrect. 4. This account reflects an open date of XX/XX/XXXX. This is NOT a new account and was originally placed on my credit report on XX/XX/XXXX with an expected date of removal in XX/XX/XXXX. A collection agency, no matter when an account is received can not re-age an account. They have added XXXX XXXX years to the allowable allotted time that this account should be reflected on my credit report. Again, this is a Fair Credit Reporting Act violation and illegal!
Consumer complaint received 2022-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MN)

I tried many times to resolve the issue with the company. The account was opened fraudulently. I tried to have it close and removed from my credit report the moment I found out about it. This company keeps reporting and updating it after I had reported that my personal information was compromised in my own home by my roommate! They don't care. They just want me to pay a debt that I don't owe! I noticed on the information they sent me, shortly after the account was opened the transaction history was unbelievable. There was a charges made repeatedly same day and week and the account was abandoned. Looking at the transactions should already show it was fraudulent. Thanks to this company, I can't take out a personal loan to help with my medical bill that I had a procedure done to prevent me from going XXXX! This company is the XXXX!
Consumer complaint received 2022-03-20
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. (MS)

The Credit companies are not complying with their own policies in a timely manner. A complaint was mailed on XX/XX/2022 and it's been over 30 days with no resolution.
Consumer complaint received 2022-03-20
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: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.
Consumer complaint received 2022-03-20
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  Account # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-07-16
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (NV)

citi bank has been paid in a settlement and citibank has notupdated there data base as paid in full? the acct number is XXXX.