davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

In XXXX of XXXX I financed a XXXX XXXX XXXX through Exeter Finance. 3 years later and much research i have found that was the biggest mistake I ever made. Back when Covid hit in XXXX closing down things and money became tight ; I reached out to them to refinance my loan as a lower rate due to i had been making payments timely. They denied me and told me they do not refinance. The orginal loan amount was XXXX and as of today the value is XXXX but to pay off is XXXX. My bank has made to attempts to pull me out of this loan but for the vehicle is not worth what they say I owe as well as the refuse to send me itemized proof of how my payments are being paid. The last straw was when I found out they have been harassing my children. XX/XX/XXXX My XXXX old was at work and received a call on her cell phone and was completely thrown calling me at work. Mind you i had just spoken with company on 2 days ago on XX/XX/XXXX about trying to receive information on how my payments are being applied. I have been asking since XXXX with know luck. My oldest daughter of XXXX then informs me, moma these are the same people whom have been calling me so much i had to block their number but then they started calling from another number. My kids numbers have never been released to them nor were they placed on my contact list at the time of purchase they were minors at the time as well as I don't use my children 's information on loans. I called them immediately and they back trailed and accused me of calling from my children phone and they saved the number at which time I told her my daughters have XXXX phones which I don't know how to use. I have an android not to mention I have never used my children 's phone to ever reach out to them because I have my own cell phone as well as my house phone which is what I use. These people have been sued for unfair loan practices just a couple of years ago and they continue to do so.
Consumer complaint received 2022-06-16
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)

Hello, I sent a letter off on XX/XX/202 to remove personal information that I do not want on my credit report. My tracking numbers are XXXX, XXXX, and XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party companies. These are clear violations of my federally protected consumer rights
Consumer complaint received 2022-06-16
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-03-25
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX : {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aggrieved and damaged due to the fact it is well over 90 days since I have notified Transunion to please investigate my credit report. Account # XXXX showing credit limit {$3000.00} past due {$80.00} is disputed ; On my XX/XX/2022 credit report lists account as : " Dispute Resolved '' I do not consent and I DISPUTE this account in its entirety! There was no thorough investigation, and Transunion is violating my Texas consumer rights and federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX is violating my rights under 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 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 2022-09-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ghidotti | Berger LLP (FL)

XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX filed for collection of fictitious loan under identity theft in XX/XX/XXXX and there was collection of over XXXX of fraudulent lien filed against my property in XX/XX/XXXX by Ghidotti and Berger on behalf of fraud. I filed further complaints and showed CFBP filed action against XXXX XXXX  for conspiracy to fraud unsuspecting victims with identity theft fraud loan schemes. 

On XX/XX/XXXX the CFPB filed action, orders and enforcement with injunctions against XXXX XXXX  and XXXX XXXX and Ghidotti and Berger law firms have obstructed justice by ignoring orders under racketeering and organized financial crimes after the fact and as accessory to XXXX XXXX  facilitation of fraud, with stipulated agreements to refrain from any collecting from victims of fictitious loan scheme. I reported back to CFPB and the company denied they were correct company to contact in fraudulent misrepresentations after the fact.
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TransferWise Ltd (IL)

This company continues to try to collect a debt of {$750.00}, although it is clear that I do not owe it and that a XXXX party that is in privity with it is the party that may owe the money. The company has been told by me, XXXX and government regulators tgat no debt is owed. Therefore the company can not collect a non-existent debt. Nor can it sell a non-existent debt. Nor can a company continue to demand payment, after being put on notice of such facts, without violating federal debt collection statutes. Please sanction it.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CA)

On XX/XX/2023 at about XXXX XXXX. I purchased gas at the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I paid at the pump with my debit card and proceeded to drive home. I arrived home around XXXXXXXX XXXX. at my home in XXXX  XXXX, CA. When I arrived home I did my normal chores, etc. and around XXXX XXXX. I started to get ready for bed. At about XXXX XXXX I logged onto my bank account at Bank of West and there was over {$1800.00} in charges to my account. At no time did I leave my home. My debit card was in my wallet/purse the whole night. The last purchase I made for that day was at the above XXXX XXXX XXXX for {$52.00} on XX/XX/2023 at around XXXX XXXX  I immediately called Bank of the West and they put a stop to my card. I believe my debit card was skimmed at this particular XXXX XXXX XXXX. All the purchases made that night were in XXXX XXXX, XXXX XXXX, and XXXX XXXX which these cities are at least 50 miles from my home. At no time did I leave my home when I arrived home from work that day. I never allowed no one to use my debit card. Bank of the West has now blamed me for the purchases and refuses to help me out. I am supposed to feel protected and my money is supposed to be protected by Bank of the West. At no time did I receive any notifications from Bank of the West that these transactions were going on. Bank of West 's fraud department is stating that I did all these transactions myself. I am being treated like I am the criminal! I had no knowledge this occurred until XXXXXXXX XXXX that night when I checked my bank account. I have proof of my whereabouts at all times. I have written to all customer services where all purchases were made. One of the stores that person or person who were unauthorized to use my debit card information wrote me back and sent me a copy of the receipt from XXXX XXXX  XXXX. The person or person ( XXXX ) who skimmed my card purchased items, the items all related to men 's wear, etc. First of all, I do not have a husband or boyfriend. The only man who lives with me is my son XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There were 5 transactions to XXXX in XXXX XXXX XXXX XXXX XXXX row with amounts of $ XXXX each. There were several other transactions. 
Why did I get notified that this was going on from Bank of the West? These person or person ( s ) went on a shopping spree on my dime! I have been unfairly treated by Bank of the West. It has been a horrible experience and I have been tryin to fight this claim. I am ready to go to small claims court if I have to.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2022-06-16
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. (TX)

This collection account shows an incorrect open date. I did NOT open this account 6 months ago on XX/XX/XXXX, XXXX Who shops for a mattress on XXXX XXXX??? For one, the store was likely not open and secondly this account was opened in XXXX  when my address was XXXX XXXX XXXX, XXXX NY. The transaction was a mattress set purchased from XXXX XXXX on XXXX XXXX in XXXX, NY. All original paperwork would show the actual date. I have NOT spoken to anyone from this firm about this debt, therefore not starting the clock over. 
I have submitted several disputes to Transunion regarding this matter however it appears they have not done their own due diligence regarding this issue as if they had they would have found my claim to be accurate and true.
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX,2021. I sent dispute letters via certified mail. To all three consumer reporting agency 's. Demanding the child support account be removed due to the fact I did not give the reporting agency 's written consent to furnish such information. 15 USC 1681b Permissible purpose of consumer reports. 
In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
If the reporting agencies have written consent from me regarding this account please provide the evidence.
Consumer complaint received 2022-09-28
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Showing 30 days late on XX/XX/2022 payment that I made on time, but payment was erroneously sent to savings account instead of credit card. I spoke with XXXX XXXX XXXX regarding the situation and they filed disputes for me, but the information is still on my credit reports.
Consumer complaint received 2022-09-25
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. (GA)

On XX/XX/2022 I sent documents to Experian and XXXX via certified mail indicating that I was a victim of identity theft and fraud. I very specifically included the following statement, " I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, 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. '' Upon calling XXXX after receiving notification that the documents were received and the dispute was underway, I was told that I had XXXX social security numbers on file, but they verified the information and would not be removing any items from my report. Experian claims to also have validated accuracy, but when I asked both agencies who they spoke with, times, dates and what was said that validated the inaccurate claims on my credit report they were not able to provide an answer. One agent for XXXX stated they used and internal electronic system to verify the information. I again asked that the items be removed as the aforementioned credit companies were violating my rights as a consumer by reporting things that one, do not show up on all three credit reports, two not properly investigating the claims they are asserting against me and lastly for listing different information on each on of my credit reports. The agencies have failed to do due diligence in properly verifying accounts that are listed in properly and are committing fraud by willfully reporting information that is incorrect to parties without my consent.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I was harassed by a traffic police in XXXX near their town hall. I was riding an XXXX motorbike. My mother had a house in XXXX XXXX and i used to stay with her. I had all my cash money in wellsfargo and XXXX accounts and relaxing and i visited a suspect XXXX XXXX because he used to drop into XXXX XXXX who had some homeo dispensary in XXXX asked me for a lift, When i arrived at XXXX he was standing outside and he asked me a lift to XXXX XXXX XXXX XXXX XXXX  and near the town hall there was some procession and i stopped the bike for the queue to give me way. This criminal XXXX  a look alike of XXXXr and some worker in XXXX XXXX XXXX XXXXXXXX XXXX a cousin waved at me and rudely asked me to stop the bike. I waved at the criminal back and objected to him and the criminal attacked me caught my jeans and threatened to attack me and charged me for not carrying a pollution certificate. I had to use services of another suspect XXXX XXXX some lawyer that visits XXXX XXXX ashram because a suspect XXXX used to visit my mother. XXXX XXXX did not charge the cirminal XXXX  for attacking mejust paid the fine. I was uncomfortable relaxing in XXXX and lost a year of rent staying in XXXX, i had to buy car and furniture and sell it back and thats the crime. I was not paid my capital to continue staying there. 
The XXXX corporate paid the money to XXXX for them to mail me some statement in which they stated if i become XXXX i would get XXXX dollars a month. I demand this money given to me with all interests. The usa govt does not have any right to take my money from XXXX and send me a statement and make me expend all my money looking for jobs. I was not employed in retreat centers like XXXX or XXXX or any other kind.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Today is XX/XX/22. My name is XXXX XXXX and the account I want to make a complaint about is XXXX XXXX in the amount of {$200.00}. I have no knowledge of this account. I have been with another cellular service for 3-4 years. I called to speak with the company and they still want me to pay on a debt that I have no knowledge of.