davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

It has come to my attention that my credit with you may have been compromised. Despite submitting an FTC fraud report # XXXX, it appears that you have failed to remove items from my credit file. As a victim of identity theft, I am once again requesting the removal of inquiries resulting from alleged identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove such items within four business days after XXXX XXXX XXXX. This issue was previously raised in my complaint and is reiterated here alongside my new FTC report # XXXX. Additionally, the information provided regarding these inquiries is unfamiliar to me and has already been removed by other bureaus, casting doubt on its accuracy. Please remove the following inquiries resulting from alleged identity theft : -- -- -- -- EXPERIAN : 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. Failure to remove these listed inquiries will result in legal action. My attorney is fully aware of my intentions and is prepared to hold you accountable for noncompliance. This serves as a final warning.
Consumer complaint received 2022-03-04
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: SYNCHRONY FINANCIAL (OR)

I have a debt on my credit report from walmart synchrony bank that is supposed to be showing as a 0 balance past due and it is not. Furthermore in Oregon the statue of limitations is 6 years. It is past 6 years and this account is still reflecting negatively on my credit report from Walmart/Synchrony bank . I need this account removed asap as I am no longer legally responsible for it. The credit reporting agencies are not disputing this accurately.
Consumer complaint received 2022-06-18
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. (NY)

XXXX account were opened in XX/XX/2022 without my knowledge or consent using my name and credit information. My identity has been stolen. 
I contacted the XXXX credit bureaus and attempted to freeze my account to avoid any more theft. 
XXXX XXXX card is for {$23000.00}. XXXX XXXX ) is for more than $ XXXX have contacted XXXX XXXX by phone and was told there was no account in my name. Then the woman asked for my social security number. I refused and hung up. 
I have written XXXX ( XXXX ) about the problem. 
I want these accounts removed from my credit reports.
Consumer complaint received 2022-03-04
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)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Bankruptcy XXXX XXXXdischarged Reference number : XXXX Date Filed : XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX  XXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$520.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Sm Bus Admin Oda XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX  XXXX Balance {$120.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

I opened a new XXXX XXXX card about 10 days ago. I haven't even used the card yet. When I applied on the Citi site the offer was XXXX points after spending {$2500.00}. Now a few days later the offer updated to XXXX points after spending {$3500.00} in 4 months. I been with Citi for well over 20 years on other accounts. I called to have the new offer honored but was told they are unsure if anything can do. I'm writing to try to have this new offer honored on my account since it was only a week before I opened it.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I received a billing statement for my platinum credit card with Wells Fargo, Which is Due XX/XX/2022. While viewing the list of my consumer credit transactions I noticed a billing error. Wells Fargo failed to credit my account properly. I was billed {$990.00} and my Available credit showed {$0.00} when In reality I should have {$1000.00} of available credit and a Balance of {$.00} Wells Fargo being the Creditor failed proper treatment of my credit balance and this is clearly explained Pursuant to 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (WA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2022-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-12-15
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. (NV)

There are two accounts showing on my report from XXXX XXXX XXXX with the original creditor of XXXX that both show from this year ( XX/XX/2020 and XX/XX/2020 ). I have not been to any doctors, or had any medical procedures in over a year. This account is not mine.
Consumer complaint received 2024-02-07
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. (WA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX Bankruptcy Dismissed DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Discharged DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-15
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. (FL)

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, 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 2022-03-04
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. (MI)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Bankruptcy : XXXX XXXX Reference number : XXXX XXXX XXXX  XXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$520.00} Original Creditor XXXX XXXX XXXX XXXX Balance - XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

This account is older than 7 years, I have tried getting it off my credit report and no one will help. I am trying to clean up my credit reports and need help, I am trying to purchase a home for myself and XXXX young children. I need these accounts that are older than 7 years off my credit reports please. 

XXXX  credit card is closed and is XXXX XXXX XXXX, I need it deleted off my credit report.
Consumer complaint received 2018-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OH)

This account XXXX  in charge-off status on my credit reports that is fraudulent and I have no knowledge of it all. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a { {$700.00} } credit limit, with a balance of ( {$0.00} ), and charged of XX/XX/XXXX and updating this information on XX/XX/XXXX after it was charged off.. Making it charged off and updated after the account was sold to XXXX  on XX/XX/XXXX per XXXX XXXX. I didn't receive a notice from XXXX at any time. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to XXXX on 3 separate occasions asking for validation, original account level documentation. Every time what I requested was refused but XXXX   would send me a printout of incorrect information.

XXXX XXXX   sold the account XX/XX/XXXX. On my credit report XXXX indicated at 2 credit bureaus that the account was opened XX/XX/XXXX with a balance of {$990.00} and a high balance of {$990.00} and at one credit bureau the account was opened XX/XX/XXXX with balance and debt {$990.00}. I have NEVER did business with XXXX XXXX, but XXXX is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudelent. The original account close date is XX/XX/XXXX and XXXX is re-aging it to XX/XX/XXXX.

I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record..
Consumer complaint received 2016-12-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: EAST WEST BANK (CA)

I was selling my dryer on XXXX and asking for {$110.00}. 
On XXXX XXXX, 2016, a person texted me and agreed to buy. She/he said a cashier check was sent to me with more than what I was asking for. I asked why. The scammer said it was meant to send to somebody else before it was sent to me in an error and asked me to return the difference. Then the scammer provided the information where the difference should have been sent to. I received a cashier check for {$1800.00} on XXXX XXXX. I went to my local Eastwest bank in XXXX XXXX in California to cash the check on XXXX XXXX. I considered I could get the money on the same day because it was a cashier check. However, the bank teller told me they had to withhold the check for 2 business days to verify if the check was good or not. On XXXX XXXX, the bank released the check and I got the cash for {$1800.00}. I deducted {$160.00} total from {$1800.00}, {$110.00} for the dryer and {$50.00} for the trouble. I sent the difference of {$1700.00} cash through XXXX in XXXX store. XXXX transactions were made to different scammers. Each got {$840.00} after the {$16.00} fee. 
On XXXX XXXX, I was checking my Eastwest bank account online and found out my bank balance was negative. The amount of {$1800.00} was deducted from my account. I called my bank immediately. I was told that cashier check was returned. They referred me to talk to my home branch. 
I spoke to my home branch manager in XXXX XXXX and was asking why I was responsible for the returned fraud check even under the supervision of 2 business days withholding policy in Eastwest bank. We had disagreements on the issue of responsibility of the bad check. The final answer was that I had to take the risk regardless. 
I do n't think it is fair for me to take the loss. It is not my fault. I am innocent. It is absolute bank 's negligence. I would have not cashed the check if the bank had stopped it. It is bank 's responsibility to tell me if the check was good or not with 2 days withholding. I am the victim of the scam. 
I am now asking the authority of the Eastwest bank to take further action to investigate the case. I want my money back.
Consumer complaint received 2017-02-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (NC)

Company sent me a letter on XXXX/XXXX/XXXX in the mail saying that I was 23 days delinquent in the amount of {$130.00}. I called about it and they said it was from XXXX. I have never received any correspondence about this amount I have however been sent one letter about my late payments in early XXXX and nothing about this amount was ever mentioned to me or has been sent to me.
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted dispute to you and I didnt get a response with in 30 days and youll are required by law to do so please investigate my dispute, please. Thank you
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the fair credit Reporting Act XXXX  Account XXXX XXXX XXXX, # XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am a victim of identity theft and have already reached out to the appropriate companies who referred me to contact the consumer reporting agencies directly to have erroneous items removed. I have attached a copy of the identity theft report along with proof of identification. Please remove immediately and provide correspondence to the address on file with confirmation of removal.
Consumer complaint received 2020-07-31
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. (PA)

I wanted to buy my XXXX yr old son a new car for his birthda. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.