davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-17
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. (NC)

I have been having issues with my credit report for a few years. I have other names and accounts the may have been confused with my personal credit file. My name is XXXX XXXX XXXX. PLEASE DELETE ANY VARIATIONS OF MY NAME. MY CURRENT ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX PLEASE DELETE ANY OTHER ADRESS ON MY FILE THEY ARE NOT ACCURATE. THE FOLLOWING ACCOUNT I DON NOT HAVE ANY CONTRACTS, BILLS OF SALE, OR DISCLAIMERS FROM THE CREDITORS? I DEMAND THAT YOU PLEASE PROVIDE REQUESTED PROPER DOCUMENTATION AS BEFORE. SIGNED CONTRACT, UCC1,2,3, ANY PROOF OF CLAIM FOR THE FOLLOWING ACCOUNTS : 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 I have attached a copy of my ID and will be filing a FTC report and Police report as well!
Consumer complaint received 2019-02-17
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. (AL)

I have contacted Transunion on numerous occasion about the inaccurate reporting of an account listed on my credit report. I have submitted evidence that I received from the original creditor admitting they can not verify the account and require more information. I am a XXXX and will be leaving for XXXX soon and will not be able to be present in court. Im hoping that that filing this complaint shows that I'm serious about correcting and deleting inaccurate information on my credit report.
Consumer complaint received 2019-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC. (GA)

SunTrust Bank has still not sent out 1099 forms. The legal deadline has passed. Same problem as last year : we waited and waited for the very late document before we could file our Federal/state income tax. Our accountant says that other SunTrust customers have had the same problem. When I talked to the bank they offered no reason or excuse.
Consumer complaint received 2019-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (FL)

On XX/XX/XXXX, I made a one time payment of {$240.00} to XXXX XXXX as a XXXX gift to my sister. This was a car payment for her, which was due on XX/XX/XXXX. As I mentioned, this was intended as a one time only payment. I have since signed back into the XXXX XXXX website, and discovered that my banking information was retained on the website. This enables anyone, at any time to sign into the account and use my financial/banking information for additional payment ( s ). It is unclear to me whether or not this information of mine can be assimilated to other accounts/websites for access to my checking account. I have made multiple inquires to XXXX XXXX to have this information removed. They stated the payment was done by a third party service, XXXX, offered by Western Union. They also stated they are unable to remove my information from their website and that only XXXX/Western Union can do so. I have made many many requests to XXXX/Western Union to remove my information, and it has yet to be done. I have been told my case was escalated and to expect a call from their office in either New York or Colorado. After over 45 days of my calling back perhaps 3 times weekly on this matter, I have yet to hear from anyone. My information was posted immediately. I can not see why the removal of my sensitive banking information should take this long. The representatives have been rude, refusing to let me speak to a supervisor. I do not want my banking information held hostage on a website with public access. I do not think this is an unreasonable expectation. The account number it was posted to is : XXXX. Account holder is XXXX XXXX XXXX. Vehicle VIN # is : XXXX. Payment confirmation # from XXXX/Western Union is : XXXX. My request is to immediately and permanently remove my banking information from XXXX XXXX 's website. I feel it is not right that information is held without my permission. The account information in question is posted on the website as Checking XXXX XXXX.  There is a radio button next to this account information which gives immediate access to my funds. I am enclosing additional documentation to substantiate this.
Consumer complaint received 2019-02-17
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. (NY)

I did not open, nor have I had, a XXXX XXXX account. Furthermore, I never received and correspondence or request for payment by mail from XXXX. I received a collection phone call from the company over a year ago where I stated I did not open the account and had alternative service from another provider for many years and I never heard again about this until I saw my credit report. 
I absolutely and categorically deny having anything to do with this account and anything contrary to that is fraud. I will NOT pay an account I did not open, authorize or benefit from.
Consumer complaint received 2019-02-17
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

XXXX has been calling my work line and cell line for several weeks/months about a debt I do/did not know about. After checking my mail yesterday, I received a letter from them about a debt by Toyota motor collections and to respond in 30 days to dispute debt. The letter is dated XX/XX/2019 and tied to an account balance of {$2800.00} from Toyota motor credit corporation, which I never received any letters from them about this debt either. Due to not knowing about debt until I received this letter, I will be disputing it. I placed this though under communication tactics because they call my phones twice if not three times a day.
Consumer complaint received 2019-02-17
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: Perfection Collection (LA)

Im currently in chapterXXXX bankruptcy and an account I have with XXXX  is being paid through this bankruptcy. Perfection Credit is a debt buyer hitting my credit so many days saying I owe them on behalf of XXXX. My attorney advised them that XXXX the original creditor is being paid through this bankruptcy and yet Perfection Credit continues to report to the credit bureaus. My attorney advised me that this was against the law and sent notification to them and Im still seeing them report. I requested they remove this from my credit report and they have it listed as new debt.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax, XXXX and XXXX unlawfully placed negative items on my credit affecting my ability to procure goods and services. XX/XX/2024. They continued to do so after receiving my Power of Attorney, Common Law Copyright, XXXX and Trademark of my name.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2022-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (FL)

Lockhart , Morris & Montgomery has placed a collection alert on my credit report in violation of the Fair Credit Reporting Act. I have never heard of nor do I owe any money to this company. They contacted me once by phone XXXX XXXX about a supposed debt dated XX/XX/XXXX. I asked for the information so I could verify that I paid it in XXXX. I was able to find that I paid the {$65.00} on XX/XX/XXXX to the company in question. Lockhart , Morris & Montgomery says I owe is {$65.00} ( XXXX cents difference ) also the account number that they had in question was a few digits off from the original invoice that I paid in XXXX. 
Shortly after I spoke to them on the phone telling them that I paid it, I received an invoice from Lockhart , Morris & Montgomery XXXX demanding payment of {$65.00}. They said that if I write to them by XX/XX/XXXX they will stop collection on the amount in dispute. I mailed them a dispute letter on XX/XX/XXXX, letting them know that I had proof that I paid {$65.00} on XX/XX/XXXX, and provided them the correct invoice number. I got notification on XX/XX/XXXX that Lockhart , Morris & Montgomery placed a collection on my credit report. 

There has been no documentation sent to me validating this debt nor do I owe any outstanding debts. This collection agency has added this fraudulent debt to my credit report 6 YEARS LATER without contacting me in anyway or giving me a chance to validate whether or not I owe this debt. This is a violation of my FCRA rights and I would like this fraudulent debt removed from my credit reports. This is an outright attempt to collect a debt that is not owed through unscrupulous means.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report TransUnion and discovered multiple unauthorized inquiries that I have no knowledge that is on my consumer report. 
Because I did not apply for credit with XXXX XXXX  INQUIRY DATE : XX/XX/XXXX ; XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX  INQUIRY DATE : XX/XX/XXXX ; XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; AND XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; I have also reached out asking that they remove the inquiry from my credit profile.
Consumer complaint received 2022-08-04
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. (NJ)

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 719XXXX 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 us 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OK)

On XXXX XXXX at approximately XXXX in the afternoon an unauthorized transaction occurred at a XXXX XXXX XXXX XXXX XXXX, in XXXX Oklahoma. The unauthorized transaction was in the amount of XXXX. Once I became aware of this transaction I called the XXXX XXXX XXXX to inform them that this was theft and an unauthorized transaction. They refused to refund me the stolen funds but provided me with a receipt. At the Time of the transaction My wells Fargo chip enabled debit card was in my possession. and I was not aware that my card had been cloned. I then proceeded to contact my bank Wells Fargo On the XXXX to inform them of the Unauthorized transaction. wells Fargo provided me with a credit in the amount of the stolen funds from my account until an investigation was concluded. On the XXXX Wells Fargo prepares a letter declining my dispute of this transaction stating that they " found they were authorized or that a processing error did not occur. As a result, on XX/XX/year> we will deduct the provisional credit of {$160.00} ... '' Wells Fargo failed to conduct an adequate investigation as to how a chip enabled debit card was clones and used at a gas station to access a members financial account. My complaint was not that there was some processing error but rather that my checking account was accessed illegally and without authorization by cloning and or skimming used by criminals. Wells Fargo is unwilling to acknowledge that there system failed to protect my financial account from skimming and cloning.
Consumer complaint received 2019-02-17
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (TX)

MRS has been calling my work line and cell line for several weeks/months about a debt I do/did not know about. After checking my mail yesterday, I received a letter from them about a debt by XXXX XXXX XXXX and to respond in 30 days to dispute debt. The letter is dated XX/XX/ 2019 and tied to an account balance of {$2800.00} from XXXX XXXX XXXX XXXX, which I never received any letters from them about this debt either. Due to not knowing about debt until I received this letter, I will be disputing it. I placed this though under communication tactics because they call my phones twice if not three times a day.
Consumer complaint received 2019-02-17
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pathfinder Credit Services (TX)

In XX/XX/XXXX, I attended a XXXX XXXX XXXXL OF XXXX XXXX, XXXX. Prior to graduating, I received employment offers from numerous XXXX XXXX Companies and/or Carriers, who also, offered to tuition reimbursement. I eventually accepted and chose XXXX XXXX XXXX XXXX. 
However, On XX/XX/XXXX, my birthday, another driver exited his vehicle without setting the brakes and his tractor and trailer rolled down and struck my tractor trailer while I was in the sleeper. As a result, I suffered a head and neck injury and underwent 2 steroids injections in my neck. I filed a workers comp, and hours after receiving my steroid injections, XXXX XXXX instructed me to drive to take a New Hire drug screening test. ( although they knew that my doctor instructed for me not to return to work until days later and to not drive and ect. ) The day that I was instructed to return to work from my surgical procedure, XXXX XXXX terminated my employment. ( 2 days later after my injections ) Long story short, I filed with Osha, and XXXX   Workers Comp. XXXX XXXX , XXXX denied my claim for Workers Comp, claiming that XXXX  had jurisdiction over the claim, although I reside in XXXX, the accident happened in and I was a dedicated driver in XXXX. 
XXXX XXXX XXXX XXXX stopped paying for my Student Loan, and now my loan is being reported as a charged off account with credit reporting bureaus. 
Later I confirmed, that XXXX XXXX XXXX XXXX owns XXXX XXXX XXXX , XXXX Pathfinder Credit Services , Inc is not a party to the student loan agreement. 
Pathfinder Credit Services , Inc., is not registered and/or bonded as required by XXXX FINANCE CODE 392.
Consumer complaint received 2020-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020, a wire transfer of {$5500.00} USD from XXXX  XXXX XXXX to JP Morgan Chase was sent incorrectly to a closed account. On a phone call on XX/XX/2020, JP Morgan Chase verbally admitted to finding the incorrectly sent wire and said the wired funds would be rejected and returned. 
On XX/XX/2020, Funds have not been returned. A written message was sent on JP Morgan Chase 's secure message center with the wire transfer details requesting a return funds status update. 
On XX/XX/2020, Funds have not been returned. XXXX XXXX XXXX sent a wire administrative message to JP Morgan Chase with a request to return the funds. 
As of XX/XX/2020, Funds have not been returned. JP Morgan has not answered the written message or the wire administrative message from XXXX XXXX XXXX. Another phone call to JP Morgan Chase was made to inquire about a return funds status update. This time JP Morgan Chase provided a reference #. 
As of XX/XX/2020, Funds have not been returned. JP Morgan has not answered the written message, provided investigation status, and they have not returned the funds to XXXX  XXXX XXXX yet.
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (CA)

IQ Data International appeared on my credit file back in XXXX. I've been trying for approx two years to get rid of them. The yhave been very diffcult to deal with. I've asked specifically for information and they have yet to validate this particular debt. All they are doing is harassing me and make idle threats. I just notice today XX/XX/XXXX that they just reported Date of Deliq as XX/XX/XXXX which is Illegal. I know the law in regards to Creditors reporting false information and this information is very much in accurate. Plus this account is not mine and I've prove to this Collection Debtor of those facts I've asked repeatly for validation and they continue to ignore me as a consumer. I've received crazy phone calls that has me stressed out and mentally challenged. I don't know what else to do. These companies should not get away of harassing consumers without any valid proof. Theres no account number theres no type of identification so I can properly dispute. 
Adagio on the XXXX
Consumer complaint received 2020-06-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (WI)

I requested a deferred payment due to the COVID pandemic for the months of XXXX and XXXX. When I requested the deferment in XXXX i was initially told no because previous over payments had been held, and rather then be applied to the principal thus reducing some interest, they waited and applied it as a regular payment when the regular payment became due in XXXX. I requested the deferment BEFORE the payment was due and had asked why the over payment amounts had been held and either not applied to the principal or returned to me. This was never addressed. After several calls I was finally able to secure a deferment for XXXX. I was told I could not request another deferment until the next payment became due. 
In XXXX when I called an requested a deferment I was told no. I was told that the company had decided ( with no notifications made to any one ) that they were no longer allowing deferments due to COVID. I was then told a deferment can only be requested after making 6 consecutive payments. From this point the company calls me multiple times a day using an auto dialer. When I answer the phone the call immediately disconnects without anyone saying anything. I have gotten as many as 4 calls per day of this nature. There is absolutely no reason why I should be treated in this mannor. I made full consecutive payments per the terms of my loan for the first year with no problems. I have attempted to work within the terms of the loan and keep in constant contact with the company. I have made the appropriate requests to keep the loan in good health while making adjustments in my employment due to a worldwide pandemic. The fact they at no time attempted to communicate any programs that were available when they became available so people could take advantage before making a decision to halt the program is ridiculous and deceptive at best. To then add my primary number to an auto dialer as if my account is in default is disgusting behavior. I desperately need assistance in dealing with this institution in maintaining the health of this loan.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and XXXX are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A  debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$7100.00} XXXX  Account # XXXX Amount {$230.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$590.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX