davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX BALANCED {$9500.00} XXXX XXXX BALANCED {$2700.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$1800.00} XXXX XXXX XXXX XXXX BALANCED {$1000.00} XXXX XXXX XXXXXXXX BALANCED {$4200.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, LA 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX, XXXX Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXX. 2024 XXXX XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my XXXX, Equifax, & XXXX credit reports. Please delete ALL of the Following : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$2600.00} XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$750.00} - XXXX XXXX ) XXXX XXXX XXXX ( XXXX Accounts ) {$580.00} & {$980.00} - XXXX & XXXX XXXX ) XXXX XXXX {$380.00} - XXXX
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I contacted XXXX XXXX about the capital one account that they said I was delinquent XXXX for two months. Out of the three reporting companies, XXXX XXXX was the only one with the false claim. I called capital one to verify that I didnt owe them money which they verified. I currently have three capital one cards with high credit limits which I have XXXX balance on. Again, why only XXXX XXXX would say I owe them is incredible. Thank you for your help!
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

It's really simple. My car is still showing as late on my credit report when in fact it's completely paid off now. Credit acceptance hasn't updated the report since last XXXX I believe. The report should say paid in full. They already sent me the title and the letter showing paid off in full.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (GA)

I contacted Equifax to notify them that there were inquiries on my report that I did not recognize or authorize. Here are the following inquiries : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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. (TX)

The credit bureau Experian and XXXX are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX XXXX This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with Experian and XXXX XXXX It was not resolved and deleted from my credit file. The response to me was updated. They refused to delete this alleged fraudulent account from my file. The date they have for this account shows opened XX/XX/2010. Having seen this it more than 10 years the alleged account reported. I am aware of FCRA laws regarding this type of matter.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo refused to allow me to withdraw from my account and did not follow Wells Fargo protocols and showed discrimination. I have been a customer when Wachovia changed to Wells Fargo bank. I was disrespected by the XXXX XXXX and her branch manager located at XXXX new XXXX XXXX XXXX has XXXX. 
Upon going to withdraw I presented my ID for XXXX withdrawal from my account. The teller called over XXXX who was very rude. He was on the second security question to access my account and she rudely interrupted the teller never completed the XXXX security questions which failed protocol. Me XXXX then asked if there was a RECENT name change and the answer was no because the name on the Drivers license was the same name that was on all of the statements that come monthly for all accounts and is also the same name that was transferred over from Wachovia to Wells Fargo so there was no recent name changed as they have been wells Fargo for many many years. The banks management continued to refuse the withdrawal. The bank also failed to ask for another piece of identification such as another credit card from another merchant. They only asked for a Wells Fargo card which was not available if they looked they would see that the debit card is never used. I also pulled up online so they could see that it was me. I then asked if they could send a text verification to my phone they denied this as well. Leaving disappointed and discriminated against, drove home got the wellsfargo credit card matching the drivers license and the the name that was on all wellsfargo accounts and bank statements and was still refused a withdrawal from my own account then spoke to the branch manager which tried to change the words that were spoke by me XXXX and that really upset me. Im not illiterate and know exactly what he was doing. I presented both the drivers license and wellsfargo credit card to the branch manager he also refused to allow my withdrawal after the two trips to that same bank he too also denied sending a text to my phone to verify my identity and was extremely rude in and trying to change my statements I am not illiterate and do not appreciate the mistreatment they acted as though I was stealing my own money even though I verified myself in several ways. This occurred on XXXX. Please investigate this discrimination of this bank. 
Also, there is plenty in the accounts there was no reason to withhold my money from me.
Consumer complaint received 2024-10-12
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. (MI)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-12
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: EQUIFAX, INC. (MI)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2021-09-10
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. (TX)

I have many times sent over a written request to both Transunion in regards to removing inquires that are fraudulent on my account. I have also contactedTransunion via phone and no representative has assisted me with my problem. Ive kindly advised numerous times and havent gotten any response in regards to the fraudulent information being removed off my credit report. Or so much as a status update. Ive done everything that was asked of me and Ive still gotten no updates and Ive been continuously contacting them.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-02-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (LA)

Reference # XXXX IC SYSTEMS ( Open XXXX ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT IC SYSTEMS I, XXXX XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g . I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F 1006.18 ( e ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Consumer complaint received 2024-10-12
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: EQUIFAX, INC. (NC)

I just checked my credit report I saw some hard inquiries that didnt have permissible purpose XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX These Inquiries has no permissible purpose to be on my credit report. Delete inquiries due to violation of 15 USC 1681b
Consumer complaint received 2018-01-27
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. (TX)

I submitted a request to validate a debt. I disputed this debt based on the fact of it not being my account. I received a response and was told to contact the creditor. I had already contacted the creditor and they sent billing statements in which does not validate the debt as belonging to me. Upon calling the debt collector I was asked the account information and I gave the account info as it was listed on the credit report. The representative asked me was the last 4 of my social XXXX and I immediately yelled out NO my social is XXXX. As he was typing ( I could hear this in the background ) he advised me that he had to forward me to the dispute department, that was all he said before he transferred my call. When my call was answered by the representative who gave me the name of XXXX I went on to explain my situation to him and then he informs me that the social on the account was now my social after I had just given it to the previous representative that told me the last 4 of the social on that account was XXXX. I was livid because this representative has now fraudulently attached my social to this collection account. XXXX placed me on hold to speak with his supervisor in which he told me her name was XXXX was going to go back and listen to the recording to verify whether or not my social was indeed added to the account and also to confirm the last 4 I was told by the previous representative. Needless to say I was not called back but the account status was changed on Transition to closed instead of being deleted from my report. It still remains as an active collection on the other bureaus.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

Before opening the CitiGold checking account, I had spoken with a CitiBank agent over the phone to find out if I qualified for the offer to open a CitiGold checking account and receive XXXX miles as a bonus for opening the account. She assured me I qualified, and to apply online, so I did. Initial contact with CitiBank via chat assured me I had met the qualifications in XXXX 2016 and would receive the miles by early XXXX. 
Today, XXXX XXXX, 2016, I communicated via chat with a CitiBank rep who told me I was n't targeted for the XXXX bonus miles offer to open a CitiGold checking account, therefore would not be receiving the XXXX bonus miles. I even showed the chat log I had saved and was told they could not honor it regardless of previous communications to the contrary.
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX and TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX : XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Account Number : XXXX Please remove it from my credit report. 

TransUnion : 1. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I signed up with XXXX  XXXX  and set my payments for the monthly XXXX on XXXX. On XX/XX/2021 I was notified that my credit score had dropped by 138 points!!!! This is a tragedy because after investigating, the payment was never taken and it should have been. Nothing changed on my end, the card on file is the same! The company does not have a phone number and I have no where to turn as I am attempting to purchase my first house. I need my points back and my payment history updated as this was NOT my mistake and ALL of XXXX!
Consumer complaint received 2019-10-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (NV)

On XX/XX/XXXX, I contacted United Collection , Inc. asking them for debt validation of the account as I never received any bills prior this debt hitting my credit report, the debt is in the sum of {$210.00}. 

I received a bill for {$320.00} on XX/XX/XXXX which is {$110.00} difference, and it didn't validate the debt their claiming I owe, it only raised further concerns as it shows two different amounts, one for  {$320.00} and another for {$210.00} I reached back out to United Collection , Inc. to ask for more details and validation of this debt. I was told there are now two different debts, one for {$210.00} was for a hospital visit in XX/XX/XXXX and the other was for another hospital visit on XX/XX/XXXX. I explained to the rep I had no problem paying the debt if they can validate the debts. The rep stated the hospital visit were at XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, NV and this is the physicians portion and even knew the treatments and service performed. 

They have violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form authorizing United Collection , Inc. to have access to my patient information.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Am I correct that I am required to pay for a freeze on my credit for Experian and XXXX? I discovered this only after I had to navigate around a service XXXX wanted me to pay for XXXX TrueIdentity XXXX as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this XXXX hack situation. XXXX should foot the bill for these credit freezes that put at least XXXX XXXX XXXX most likely many more XXXX identities at risk for theft. At {$3.00} per freeze, these agencies stand to make hundreds of millions of dollars as a result of this.