davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
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. (AL)

PLEASE SEE THE ATTACHED INFORMATION!! 
XXXX, XXXX, AND EXPERIAN I NEED TO KNOW YOU ARE GETTNG YOUR REPORTING INFORMATION FROM. PER XXXX XXXX WITH XXXX XXXX  YOU ALL ARE THE PROBLEM
Consumer complaint received 2020-05-12
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: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Was Joint Account holder on an auto loan at XXXX XXXX XXXX from XX/XX/XXXX until account paid in full XX/XX/XXXX. Although the Credit Reporting company lists the loan correctly on my report, it continues to fail to properly note it on all XXXX  and other aggregate scoring ratings. The company 's failure to factor in this loan is listed as two adverse key factors with the notations " Lack of recent installment loan information '' and 'Length of time accounts have been established ''. 
The company also has an additional incorrect adverse factor of 'Too few accounts currently paid as agreed ' in that there are NO accounts with late or slow pay. All accounts have been paid as agreed for the length of the reporting period and all paid in full in XX/XX/XXXX.
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MI)

Beginning on XX/XX/2021, I opened a Coinbase account and transferred {$5000.00} into Coinbase. On XX/XX/2021 I expanded my account to Coinbase Pro. On XX/XX/2021 I added another {$3000.00} to the account. I made a few trades. On XX/XX/2021 I tried accessing my account and was locked out. I contacted Coinbase via every way I could find and only received canned letters saying it was being reviewed. On XX/XX/2021 I attempted to check the status of the " review '' and received a reply saying the problem was resolved and closed. It was not and I remained locked out of my account. I filed another complaint on XX/XX/2021 and other than a confirmation of the complaint, that is the last I have heard. I can not open or even view the status of my accounts.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Conn's, Inc. (LA)

I have tried to fix this with the company. 
I purchased this TV in XXXX of XXXX call them in XX/XX/XXXX and ask for a payoff and I pay the TV off. One year and a few months later when i had my Credit report was pulled as I was trying to purchase a house and Conns appeared saying that I was 3 months late I call them they told me what they did with the money that I paid them in XXXX they paid each month note until the money had run out and then they never contacted me and put my name in collections stating that I still owed them money Anyway after all the trying to repair this I pay them another {$900.00} to get this repaired so i could get my credit repair and they said it would take 30 to 60 days to remove it and here itbis a year and im still trying to get them to removed. Can I get help so i can go forward with buying my new house. 

Thanks
Consumer complaint received 2020-05-12
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: WELLS FARGO & COMPANY (CA)

WF CRD SVC ACCOUNT IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE SUBMITTED ALL REQUIRED DOCUMENTS TO PROOF THAT THE ACCOUNT IS NOT MINE. I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED THE FRAUDULENT ACCOUNT.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC. (MI)

XXXX  closed my credit card ( XXXX ) on XXXXI did not close this account.I stopped using this account when XXXX closed and went bankrupted.I kept it open so it does not reduce my credit score by closing it.I couldnt use this credit anyways.
Consumer complaint received 2023-02-06
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. (MS)

PLease take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (AL)

XX/XX/2017 I purchased XX/XX/XXXX XXXX XXXX from XXXX XXXX through ally Bank with a XXXX   down payment, but instead I was sold a Lemon for XXXX for a XXXX  mile vehicle with all kind of problems from the flood lights dont come on, tires, brakes wind sheild wipers, car smells like oil is leaking in which it was, tail pipe rusted been under water before, smells molded and smelly when you turn Heat or Air on and also paid XXXX for over a year and half of the payment was interest and I had been spending on this vehicle since I had it they told me when I took it for maintenance they found other issues and I also told the manager of the dealership about these problems and also contacted the XXXX and they still didnt correct all of these problems I am mentioning so I got sick back in XXXX  and had to Bankrup, but the Co-debtor still paid the note and the car was taken to the shop again and they said it was other issues again with the car and we were sold a Lemon. so on today a Man from a Repo company came out to pick the car up in which I have not been driving, because of danger issues and recalls and the man was very nice and rung the doorbell in which we been home everyday due to my major medical issues and he told me that Alley Bank told him we were violent and he said to us we were nothing like they described and we have been here everyday, I don't dodge people and he saw that we were voluntarily giving him the keys for something not able to drive anyway, but I feel we were sold a lemon with half of the car note was interest that the making off of us, for a Lemon that they knew they had issues with for XXXX. Also contacted the FTC.
Consumer complaint received 2020-05-11
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. (WI)

XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX  XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.
Consumer complaint received 2023-03-22
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. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602. A. States that I have a right to privacy 15 U.S.C 1681 SECTION 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (CO)

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lloyd & McDaniel, PLC (KY)

Last XXXX I get a call about a debt on a credit card. I told them I didnt make those charges but they kept telling me they were gon na sue and it was going against me. That it would follow me and when I got a job they would garnish my wages. I paid 2300.00 but that wasnt good enough, they then served me from my local sheriff dept. I have since then set up payment arrangements because I dont want to go to court. But again this is a bit my debt.
Consumer complaint received 2020-10-14
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: EQUIFAX, INC. (MI)

My car got was in an accident and was destroyed. XXXX  sent me a bill with a date of XX/XX/2020 ). I paid online through my bank on XX/XX/2020. Prior to receiving my payment, and not even a month after sending the bill they put it as a " charge off ''. They sent a notice saying I was paid in full but did not retract the charge off and it has destroyed my credit. I tried fixing this with XXXX  and Equifax and am getting nowhere. Please see attached documents.
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX and I have never had a XXXX XXXX account and would like it deleted immediately.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Self Financial Inc. (NM)

A while ago I found an app called self inc it is a credit building credit repair through secured loans and secured credit cards I should have done a little bit more research and read some reviews before I actually signed up for it but I was super excited to try to fix my credit I have been using them since XX/XX/2020 finally got the credit card 2 months ago I have paid in over {$1000.00} on the secured loan and have kept my credit card payments up and full the secured loan is for XXXX and the credit card has a {$250.00} Max limit this company has no customer service phones no way to get a hold of them if you have any issues I have had multiple issues a few types and they have been unresolved due to the fact that I can't get a hold of them I have emailed them a few times and they do not respond they have charged me for things on my credit card and I've got them refunded but they do not reflect the refund amount so I'm pretty much double paying for things and I do not have screenshots as I just realized this was happening. The math didn't add up my total money that I've paid is actually going down every day like they're taking money out of my secured loan account I'm not sure what to do or even if I'm in the right place but I really do need help resolving the situation because I feel like they're going to try to steal all that money for me they're already making it very difficult for me to get my money back
Consumer complaint received 2020-05-11
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: DISCOVER BANK (MA)

I had my identity stolen and information was used to open credit cards and other accounts. I filed a report with the federal trade commission ( FTC ) and a police report. They gave me a report to send to the credit card companies and the credit bureaus. I did as they asked and the cards that were opened fraudulent were removed but except one credit card ( Discover Credit card ). I have filed multiple claims with them to for an investigation and they keep saying its mine even though I sent the Reports. I filed disputes multiple times with the credit bureaus and discover keeps telling them the account is mine. I was not in the country at the time this discover credit card was opened and I have sent discover the travel itinerary also and they still wouldn't belive this account was fraudulent. They keep making excuses that they can't read the itinerary, even though I have sent it to them multiple times via mail/fax/email. 
I got fed up with their negligence and called them again to see how I can have this problem resolved. They advised me on a recorded phone call that if I make a payment to them as a settlement even though this account is not mine that they will remove it from my credit reports. I made the payment to them in the amount of {$630.00}. I called back to check with them if they had updated the information with the credit bureaus. Then I was advised that they the representative had made a mistake by telling me the information about getting rid of this problem and that now since I have made a payment on this account that means that I have accepted responsibility for this account. This is fraud. They are defrauding people such as me. I have been defrauded before for my identity and now I'm being defrauded by discover all over again. I need this matter to be looked into and resolved please. Discover needs to be investigated for this fraudulent action they took with me and false promise. If they remove this account from under my name as they promised i will look into taking further action. Thank you very much for your help and I hope to hear back from you soon.
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (MI)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX Michigan XXXX XXXX XXXX XXXX. And assigned to ALLY FINANCIAL INC . The annual percentage rate was XXXX XXXX, the Finance charge was XXXX, the Amount financed was {$20000.00} the total of payments was {$28000.00}, the total sale price including my down payment of {$1000.00} is {$29000.00}. Instead of the creditor reducing the amount of the down payment, they raised the amount or did not apply the amount at all. Due to the fact of this information being inaccurate I have suffered majorly. I have late payments due to the inability to pay timely due to the practice of the creditor. The late payments affect my creditworthiness to other creditors and I have suffered immensely due to the derogatory information resulting from this transaction. This has affected my mental health also. 

I have called to try to get the actual numbers for the loan origination but the representatives tell me they can only go back 2 years. I have sent a debt validation letter certified mail and still awaiting a response.
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (TX)

I have been requesting information from the three credit bureaus and the company 's that are using my name, social and other information to report false and fraudulent information to them, on my accounts. Since XX/XX/2021, I have been attempting and begging them to show me what the debt is for on my credit reports because I have not opened these accounts at all I suffer from identity theft. These companies have been no help at all explaining the charges and the origination of the accounts. They are continuously sending a balance and nothing else. They are failing to place the accounts in dispute status, they are failing to investigate and comply with the FCRA, I have submitted Identity Theft Affidavits, Police Reports and explanations of my situation and they continuously overlook my situation and set automated responses. This is hurting my financial discretion, I am unable to get a car, a home, and credit opportunities because someone has opened false accounts and information using my name. I have not applied for no benefited from these accounts and the companies are not assisting me fairly to establish the documentation they receive to open these accounts and what addresses were used.
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-12-19
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. (NY)

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.