davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
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. (MS)

I recently tried to correct a mistake with a credit bureaus, and have been been told, we updated, or its been verified. The bureaus suppose to be reporting thing correctly at all times. XXXX XXXX send a letter stating I wasnt late the last few months, and the bureaus stated it was verified correctly. Then XXXXXXXX XXXX, XXXX XXXX, XXXX, and XXXX are accounts that first were reported XXXX way then change to charge off. But if after charge off now being reported, the accounts have a balance included, or multiple months with charge off reported, Also, a new account with a student loan, I never had before and never applied too. Lastly, XXXX XXXX XXXX which was I was late XXXX months in a row, and now Im currently on time. I never been late, XXXX XXXX XXXX never sent me anything stating that.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

This is regarding an issue that dates back to XXXX, which we have followed up on numerous times over the past 3 years but to my disappointment appears to still remain unresolved. My most recent Credit Report is still showing a late payment from Nissan and significantly impacting my credit score. I have provided these details previously to Nissan directly and it is very frustrating that 3 years later I am still having to follow up for this to be cleared up, hence I am forced to report this. 

Our lease with Nissan for our XXXX XXXX XXXX ended on XX/XX/XXXX and was paid up completely. However, when we tried to return the car as early as XXXX, despite significant communication with multiple Nissan dealerships to arrange an earlier return, we were told this was not possible as their lots were all full due to the COVID-19 pandemic. We had already secured a new car in XX/XX/XXXX so had no reason to keep the car longer, but were told to hold onto it until they had space, and it was not driven at all. On XX/XX/XXXX, Nissan sent someone over to complete the vehicle inspection ( report attached ), again asking us to keep the car as they still had nowhere to receive it. Once we were able to return the car in XX/XX/XXXX, we reconciled all charges, yet a late payment showed up on my credit report and is impacting my credit rating. We had paid this up completely and the car was physically with us only because they had refused accepting it due to issues on their side. This is completely unacceptable, and we need this credit issue to be reversed immediately as it is having other significant financial implications. We have tried contacting Nissan multiple times with written communications but they have not been responsive.
Consumer complaint received 2021-02-23
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. (CA)

On XXXX, 2021, I received a hard inquiry from XXXX XXXX XXXX on my TransUnion credit report. This was unauthorized.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

Back in XXXX of XXXX I sent XXXX $ to a company called XXXXXXXX XXXX owned by XXXX XXXX and XXXX $ to the acquirion group owned by XXXX XXXX and XXXX XXXX both companies scammed me out of the said amount and blocked me from contacting them to request a refund. Wells Fargo admitted that acquirion with XXXX was a complete fraudulent company they refunded the money then took the money back because they said it was with a third party XXXX XXXX My account was then overdrawn and closed. And because XXXX specified a specific amount I would get each month I literally had no money to put into the account!!!! They were an e commerce firm that promised to help me start a successful XXXX Business.its been 7 months i haven't made any money and they have blocked me from contacting them i filed a dispute on XXXX of XXXX, XXXX and XXXX and Wells Fargo refuses to help me. These fraudulent people should be stopped!!!! My financial institution should help
Consumer complaint received 2023-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (AZ)

I was contacted by XXXX from XXXX XXXXXXXX. He stated I was approved for a loan. He said to check my email. I saw the approval in my email. They made mobile deposits to my savings account and stated that I needed to send the money back via XXXX gift cards. The explanation was that it would be proven to them that I was who I stated I was due to there being alot of scams and fraud occurring. So they numerous mobile deposits totalling approximately XXXX dollars into my savings. They told me to send the money back via XXXX XXXX I told them that I don't have that app however I do have XXXX. Then they said ok well just return the money via gift cards like XXXX... So I gave all of the money back to them via XXXX gift cards. After that I was told that the loan check was being deposited and to standby.. I waited for that to occur and it never happened. A few days after that my savings account started stating a negative balance.. At that moment I understood I was just scammed. I immediately contacted Wells Fargo to alert them to what happened and they quickly closed that account and open a claim for me on my behalf.. Today I was told that because I authorized these people.. I now have a savings account that is- {$3100.00} and they can't help me... I've been a member of Wells Fargo for at least five years...
Consumer complaint received 2021-06-09
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)

Good Afternoon, I am reaching out because there is a collection account on my XXXX and Experian Report. The account by XXXX XXXX XXXX is a fraudulent account. I have disputed this via XXXX, Experian, and through themselves. I haven't received a response from them at all. I am requesting that this account be removed from my credit report asap. I have attached my police report. My next step is to retain an attorney to get it removed and to sue the bureaus. 

Also, this is me, XXXX XXXX XXXX, submitting this dispute. Everytime that I submit a dispute through here, they try to say that it isn't me. This is me and I would like this resolved asap.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Account Name : XXXX XXXX  XXXX XXXX Account # : XXXX I sent a dispute registers mail with return receipt to all three credit reporting agencies on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX ) and the person XXXX XXXX XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 
late payments is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( XXXX ) [ XXXX XXXX that is making the report. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC1681a ( 2 ) A ( 1 ) by reporting this transaction or experience ( late payments ) on my consumer reports which XXXX clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to delete account Failure to respond satisfactorily with deletion of the above late payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (AR)

On XX/XX/2018 after just moving in a new home XXXX was already installed. I called and asked if I could try it out in my name because it had keypads and we didnt know the code to get in and out the front door. I informed XXXX that I didnt know much about the brand besides what I read on XXXX prior to contacting the he company. He then stated that there was no contract and that it was month to month and that I could cancel anytime. I didnt have to pay a installment fee because it was already equipped with touchscreen monitor, keypad, and camera in the backyard. A few months later I called and told them that I no longer wanted the service and what I believed was the end of it all. Without noticing at first I was still being billed months later when I canceled already around XXXX the service was also disconnected. When I noticed the unauthorized charges I canceled my bank card. Only to see later that they was still sending me bills and the balance was still going up with the alarm system being disconnected and me canceling the account. The bill was only {$54.00} and month to month so how do I owe {$360.00}. How was they still charging me for months that I had the service disconnected?
Consumer complaint received 2022-12-30
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. (PA)

Account Name : XXXX XXXX  XXXX XXXX Account # : XXXX I sent a dispute registers mail with return receipt to all three credit reporting agencies on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX ) and the person ( XXXX  ) ( XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
late payments is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( XXXX ) [ XXXX XXXX XXXX is making the report. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC1681a ( 2 ) A ( 1 ) by reporting this transaction or experience ( late payments ) on my consumer reports which XXXX clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to delete account Failure to respond satisfactorily with deletion of the above late payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation
Consumer complaint received 2020-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MD)

I am requesting that a fraudulent debt in the amount of {$4000.00} be negated and removed from my Credit report. 

In XXXX, I was invited to join a XXXX XXXX XXXX. I attended a day long seminar describing what was involved. I accepted the membership, with the contingency that I could cancel within three days if I changed my mind. I did indeed cancel within the allowable period. Now, 5 years later, I see a collection in the amount of {$4000.00} owed on my credit report. It says that this amount was placed for collection in XX/XX/XXXX. 

I got in touch with the collection agency, Security Credit Services, who stated that I had taken a loan out with XXXX XXXX XXXX XXXX XXXX of whom I'd neither heard of nor done business with, ever. I asked Security Credit Services for loan paperwork in my name and anything signed by me, to show what this was for To date they have not complied. I called XXXX XXXX XXXX, XXXX and they stated that they have no record of me in their system. I disputed the validity of the debt with three Credit Bureaus. They have stated that the debt is " verified '' and meets FCRA requirements. 

I have neither received a loan in the amount of {$4000.00} nor have I received any merchandise or services in the like. I am therefore requesting that you investigate this issue so I can remove this debt from my name. 

Security Credit Services XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX Regards, XXXX XXXX XXXX
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is regarding an issue that dates back to XXXX, which we have followed up on numerous times over the past XXXX years but to my disappointment appears to still remain unresolved. My most recent Credit Report is still showing a late payment from XXXX and significantly impacting my credit score. I have provided these details previously to XXXX directly and it is very frustrating that XXXX years later I am still having to follow up for this to be cleared up, hence I am forced to report this. 

Our lease with XXXX for our XXXX XXXX XXXX ended on XX/XX/XXXX and was paid up completely. However, when we tried to return the car as early as XXXX, despite significant communication with multiple XXXX dealerships to arrange an earlier return, we were told this was not possible as their lots were all full due to the XXXX pandemic. We had already secured a new car in XX/XX/XXXX so had no reason to keep the car longer, but were told to hold onto it until they had space, and it was not driven at all. On XX/XX/XXXX, XXXX sent someone over to complete the vehicle inspection ( report attached ), again asking us to keep the car as they still had nowhere to receive it. Once we were able to return the car in XX/XX/XXXX, we reconciled all charges, yet a late payment showed up on my credit report and is impacting my credit rating. We had paid this up completely and the car was physically with us only because they had refused accepting it due to issues on their side. This is completely unacceptable, and we need this credit issue to be reversed immediately as it is having other significant financial implications. We have tried contacting XXXX multiple times with written communications but they have not been responsive.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ), your reporting agency may be liable for false reporting.While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXXXXXX XXXX ), they may be liable for false reporting. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have XXXX days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (TN)

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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/she is acquainted or who may have knowledge concerning such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts, Account Number XXXX XXXXXXXX XXXX XXXX XXXX ( The dates do not match on this one and are invalid. Furthermore the XXXX date is well past time to fall off. ) Possible, XXXX XXXX XXXX XXXX XXXX, XXXX ( this account has two different names and two different account numbers therefore it is incorrect and a validation discrepancy. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX XXXX and Trans Union. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and Trans Union all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NM)

XXXX XXXX XXXX began debiting my credit card account in XXXX of XXXX for {$420.00} each month, continuing through XX/XX/XXXX. I never gave on-line or written permission for this. In fact, I never signed up for XXXX XXXX. 

I have called XXXX ( phone # XXXX ) numerous times, including on : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. When I called on XX/XX/XXXX I waited on hold for over XXXX hours. I could hear the employees in the background laughing at me. I have been told by them many times that someone would call me back. No one ever has. Last time I called, I was connected with the department that handles corporate accounts. I was told they possibly got my account number from an insurance policy had over 7 years ago through my employer, XXXX XXXX XXXX XXXX XXXX. I have asked them repeatedly to send me any verification that I signed up for XXXX XXXX XXXX, or any verification that I gave them permission to debit my credit card. I have never received anything from XXXX. 

I finally put a stop payment in through the Navy Federal Credit Union credit card XXXX in XXXX. The payment still went through. When I called Navy Federal I was told that the government and certain large companies can over-ride a hold. I filed fraud claims for every month that the money was taken out. Navy Federal asked for more information. On XX/XX/XXXX I sent Navy Federal over XXXX pages of documentation, including statements and records of calls I had with XXXX. I asked if they had contacted XXXX to ask for any verification I had given authorizing a debit to my credit card. They continued to ask me for more information. I told them I don't have any more information NOT giving permission for my credit card to be charged. Ultimately I was told by Navy Federal that all they can do is ask the insurance company to return my money. I was also told that they do not any authorization to allow an insurance company to take money out of my credit card. Is this true? I would not expect proof of written or on-line authorization for something like a meal purchase or a moderate one-time purchase but I hope there is some safeguard against monthly unauthorized purchases of over {$400.00}. 

I am appalled and scared to think that a company can use my credit card without my permission. 

I have more documentation if needed.