davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Auto learned most of these illegal tricks from XXXX XXXX. At XXXX XXXX, none of my payments were applied to my auto loan. No matter how strong a case I have against Wells Fargo Auto, no attorney in Texas will take the case against Wells Fargo Auto. Wells Fargo Auto, when it acquired XXXX XXXX Wells Fargo, orcastrated the falsifying of the books to make it look like the payments were applied. Then, Wells Fargo filed the certified documents in a Texas state court. All those fraudulent Court documents that I claim are in Texas XXXX Court I have asked for Wells Fargo to pay me what they owe me, all I get is a call from Wells Fargo that they still refuse to pay me.
Consumer complaint received 2022-07-14
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. (CA)

My requests for proper verification and the removal of the fraudulent information on my credit reports have been disregarded despite the numerous written letters I have sent to the three credit bureaus. I last wrote to the credit bureaus Experian, XXXX, and XXXX on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Credit Bureaus violated FCRA section 605b, which requires them to erase any accounts and information that were created as a result of identity theft. I approached the FTC and reported the theft of my identity. I also included copies of the FTC 's Identity theft report. The below described fraudulent items are still showing up on my credit record. I'm hoping you can assist me out and get these things eliminated as soon as you can. I am frustrated to see the credit bureaus do nothing to remove the information I am disputing from my credit file. Although I am inclined to pursue legal action, I will give the credit bureaus one more chance to make things right and correct my credit report. I need the following items deleted completely from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (GA)

I contacted this company on XX/XX/XXXX regarding why my payments are being reported late on my credit report, spoke with a manager by the name of XXXX who informed me that I was correct my payments were not being report correctly and were not late, that it was due to a system glitch that my payments were being rejected. She informed me that she has submitted a dispute to have the negative remarks removed and insured the issue would not occur going forward. Since then I have been making more payments to my account and loan that are still being marked as late and in collections with my credit report. Im certain my consumer rights have been violated by this company unethical  way of applying my payments and reposting them as past due when they have never been late.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Information Bureau, Inc. (GA)

A debt collection agency has incorrectly reported that I owe a debt that I don't owe. I visited XXXX XXXX XXXX in XXXX XXXX, XXXX  in XXXX of XXXX. I have out of state XXXX  XXXX which i informed them of. My insurance should have been billed for my visit there and it wasn't. They sent the account to collections and they subsequently reported the derogatory as doctor 's business bureau on my XXXX  credit report. I would like them to stop reporting this on my credit report and I want it deleted from all XXXX credit bureau files.
Consumer complaint received 2022-07-14
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. (TN)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Im resubmitting a complaint to you today after I found out that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX. I would like to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  ILXXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$300.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-14
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. (CA)

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. XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-07-14
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. (MT)

Experian I changed my legal name in XX/XX/XXXX in the XXXX of Arizona, XXXX XXXX. I sent the court documents online as Experian requested in XXXX of XXXX. Then I called in late XXXX to ask if they would please merge my files because they had two files. They said they received the paperwork and apologized it had not been done. They told me to call back in two weeks. I did. They still had not merged the file. I spoke with XXXX, who told me she would escalate it to the data quality department. She gave me a case number and said to call back in two weeks. I called back, but for the next week and a half, their phone lines were down. Finally, a month later, I was able to connect with them again. I spoke with XXXX, who found the file was still not merged then the call was dropped. ( When I call the initial person to answer the phone, tell me they don't care, and it's not their job to merge files, I just need to get over it. They constantly argue non-stop and drop my call instead of getting me a manager. XXXX, I think because he kept mumbling, his name would not give me to a supervisor because was concerned I would complain about him. Truly the worst service I have ever had at any company EVER. ) Then I called back the next week after XXXX dropped my call. I was told they would merge the file and to call in a week. I called in a week, it is now XXXX ... .I got XXXX XXXX who said by this XXXX, the XXXX of XXXX, the files would be merged. She hinted that they would only do part of my old file, not the whole thing, because they didn't need to do anything past seven years. I disagree with this. She would call me if she had any progress otherwise, wait and call back. This whole situation is stopping me from being able to buy a house or get a credit card because companies can not verify me. I need my files to be merged. I have the same date of birth, same social, same previous address, and banks. They have the court paperwork and will not do their job. The case number is case number XXXX. Please help
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I checked my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed my complaints last XX/XX/22. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$15.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$660.00}
Consumer complaint received 2022-10-05
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: Maximus Federal Services, Inc. (IN)

I've called multiple times to get the incorrect information resolved. They told me they would investigate it but nothing has changed. I personally DO NOT OWE ANY STUDENT DEBT! It's causing me a hardship. Also, there's different names and addresses that I've NEVER been associated with. I've reached out to all three credit agencies in XXXX and XXXX, XXXX and just recently in XXXX of XXXX with no avail. I can't get a place of residence because of it. 
I want to seek damages from all three agencies due to causing me such a hardship!
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2020-05-30
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND MY CREDIT FILE HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY (IL)

My Car repossessed in XX/XX/XXXX and I had filed bankruptcy back in XX/XX/XXXX and Wells Fargo would not work with me after I filed bankruptcy. so my car was repossessed in XXXX of XXXX  and I had to take out a loan to pay Wells Fargo almost {$4000.00} to get my car back and I am still trying to paid the monthly notes to them as of today ( XXXX ). 

My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Account number # XXXX Also, I have been contacting Wells Fargo for months to get a monthly statement. I am unable to get a monthly statement online or in the mail. They refused to sent me XXXX. Wellsl Fargo will not let me make payment online or see my balance. 

This is the message, I get when I try to see my balance, statements or yearly 1099 report : You do not have any accounts available for this service. Please select another service or call XXXX for assistance. i have attached a copy of what i can only see on Wells Fargo online system. 

I am unable to see if I have over paid or if they received payment and telling they did not. PLEASE HELP ME, I NEED YOUR HEL ASAP. 

Thank you very much
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

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. XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-01-03
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. (PA)

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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc. (GA)

My name is XXXX XXXX and I am filing this complaint against PDQ in response to CFPB complaint # XXXX. PDQ stated that they were debt collector and this is an attempt to collect a debt. PDQ states that my overall complaint is uncertain, indefinite, or unclear. PDQ also stated that PDQ never alleged that I made a contract with PDQ, however PDQ is reporting negatively to the consumer reporting agencies. PDQ also stated that you will continue to report as disputed.PDQ also stated that they are a third party debt collector and are attempting to collect on behalf of the original creditor. I have never willingly contracted with PDQ and they have no lawful authority to be in possession of any of my nonpublic personal information and as they stated they never alleged that I made a contract with them. I have reasonable cause to believe that fraud has been committed. I am aware that due to the fact that my information was sold to a nonaffiliated third party without my lawful authority, this constitutes aggravated identity theft and is a violation of 18 U.S. Code 1028A.PDQ has taken unlawful extortionate means and used my nonpublic personal information to furnish information to the consumer reporting agencies they had reasonable cause to believe is inaccurate. PDQ has disclosed my nonpublic personal information to the consumer reporting agencies with forethought and malice to bring harm to my financial reputation.I have reasonable cause to believe the consumer reporting agencies were negligent to remove this inaccurate information due to their business relationship with PDQ. PDQ has conspired with the consumer reporting agencies they do business with, to coerce me to pay. PDQ has knowingly received proceeds from extortion to fund their criminal enterprise.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (WA)

RMS reached out to me for debt of {$4100.00} which they alleged I owe to XXXX who I worked for till 2018, I have never been reached out by XXXX regarding any debt and I received my No-Dues from them. 
I dont owe this debt, its false claim against me.
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : DEPT OF ED/XXXX - XXXX XXXX - DEPT OF ED/XXXX - # XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy. 
15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report. 
15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b. 
15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.