davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
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. (CT)

Complaint against : XXXX XXXX XXXX, XXXX, Equifax and XXXX  I purchase a vehicle in XXXX that was was voluntarily repossessed by XXXX XXXX XXXX in the State of Connecticut on or about XXXX of XXXX, and resold on an unknown date. 

My beginning balance on this account was {$20000.00}. I also made at least 24 payments of {$350.00} ( {$8400.00} ). This difference is close to the reported balance. However, I never received credit for the sale of the car & was also informed by the IRS that a XXXX tax form, 1099-C, was issued by the creditor ( please see the attached IRS transcript ).

The original creditor never sent me a notice of sale nor any documentation related to the issuance of the 1099-C.

THIS TRANSPIRED TWO YEARS AFTER THE VOLUNTARY REPOSSESSION DATE.
Consumer complaint received 2020-04-24
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. (CT)

Complaint against : XXXX XXXX XXXX, Transunion, XXXX  and XXXX  I purchase a vehicle in XXXX that was was voluntarily repossessed by XXXX XXXX XXXX in the State of Connecticut on or about XXXX of XXXX, and resold on an unknown date. 

My beginning balance on this account was {$20000.00}. I also made at least 24 payments of {$350.00} ( {$8400.00} ). This difference is close to the reported balance. However, I never received credit for the sale of the car & was also informed by the IRS that a XXXX tax form, 1099-C, was issued by the creditor ( please see the attached IRS transcript ). 

The original creditor never sent me a notice of sale nor any documentation related to the issuance of the 1099-C.

THIS TRANSPIRED TWO YEARS AFTER THE VOLUNTARY REPOSSESSION DATE.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CT)

I've been attempting to resolve an issue pertaining to a fraud check, the item was issued to myself on or around XX/XX/XXXX, the amount of {$5100.00}. The check was intercepted by another party, signed and cashed in my name, no funds received from it. An affidavit was filled out and sent in along with check copy, I've attempted numerous times to resolve issue with Wells Fargo, the last information I have is the funds from check were credited back to Wells Fargo account check was issued from ... This information is from an XXXX at XXXX, we spoke on XX/XX/XXXX, she stated the credit was made on XXXX back to Wells Fargo. The claim number is XXXX. Ive since attempted to find out if and when check will be reissued, I've called several numbers ranging from the executive office phone bank, customer service, as well as research number at XXXX. It appears Wells Fargo will not reissue check, there may be an underlying issue I am not aware of. I've filed past CFPB complaints about this issue, Wells Fargo reps provide a general from reply which does not address issue. The from reply states in part, " Numerous attempts to address concerns, exhausted all resources '' I will again assure the CFPB this is first off, a form reply ... .Second, it is a lie, there have been no such attempts such as reaching out by phone, email or otherwise to reach me to resolve issues. If there were such attempts, they would be noted and they are not..
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX - XXXX  from XXXXXXXX school XX/XX/XXXX - entered XXXX  program XX/XX/XXXX - requested that federal student loans be placed in forbearance for duration of XXXX  program XXXX XXXXXXXX - received emails stating loans were 90 days delinquent and credit score dropped from 750+ to XXXX - contacted student loan servicer and student loans had not been placed in forbearance when first requested in XXXX - student loans were then placed into retroactive forbearance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - student loans remained in forbearance until completion of XXXX XX/XX/XXXX - began dispute with XXXX  XXXX XXXX and Experian credit reporting agencies - disputes were completed and inaccurate 90 day delinquency WAS NOT removed from credit report, inaccurate information remains on credit reports - information was not removed despite updated documentation showing loans were placed in forbearance by student loan servicer dating to XX/XX/XXXX XX/XX/XXXX - submitted direct credit dispute to student loan servicer - reopened credit dispute with Experian and submitted updated documentation ; no resolution and inaccurate information stating 90 day delinquency remains on credit report - XXXX  XXXX unable to login to system, requested new password information and no email was received despite multiple attempts to reset password - XXXX XXXX unable to login to system on multiple days and multiple attempts
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX - XXXX  from XXXX school XX/XX/XXXX - entered XXXX  program XX/XX/XXXX - requested that federal student loans be placed in forbearance for duration of XXXX  program XXXX  XXXX - received emails stating loans were 90 days delinquent and credit score dropped from 750+ to XXXX  - contacted student loan servicer and student loans had not been placed in forbearance when first requested in XXXX - student loans were then placed into retroactive forbearance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - student loans remained in forbearance until completion of XXXX  XX/XX/XXXX - began dispute with TransUnion XXXX XXXX  and XXXX credit reporting agencies - disputes were completed and inaccurate 90 day delinquency WAS NOT removed from credit report, inaccurate information remains on credit reports - information was not removed despite updated documentation showing loans were placed in forbearance by student loan servicer dating to XX/XX/XXXX XX/XX/XXXX - submitted direct credit dispute to student loan servicer - reopened credit dispute with XXXX and submitted updated documentation ; no resolution and inaccurate information stating 90 day delinquency remains on credit report - XXXX  XXXX unable to login to system, requested new password information and no email was received despite multiple attempts to reset password - Transunion XXXX unable to login to system on multiple days and multiple attempts
Consumer complaint received 2020-04-24
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX *
Consumer complaint received 2020-04-24
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX *
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX *
Consumer complaint received 2020-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (OH)

First Federal Credit Control is reporting incorrect information on my credit report showing the following information : Date Opened : XX/XX/2017 Account Type : Collection Balance : {$270.00} I have never had any legal or signed contracts with this company yet they insist on reporting to my credit file. I have submitted a formal dispute to no avail.
Consumer complaint received 2020-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (FL)

ProCollect listed an account on my credit report on XXXX. I disputed the account since XX/XX/XXXX, they first reported was not paid it was accurate which was incorrect the debt been was paid since XX/XX/XXXX. I spoken to someone from ProCollect stated once its paid the will remove it. I sent evidence of the paid for deletion letter from ProCollect and it was updated just paid in full instead of deletion XX/XX/XXXX. There are conflicting information as what ProCollect is telling XXXX  to what they sent me. I would like the collection to be removed from XXXX.
Consumer complaint received 2020-04-24
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: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ARS  ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-04-24
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. (WV)

I sent in bank statements to verify my late payments on credit report dispute XX/XX/2020 thats been reported and Experian never change or dont think they took there time to investigate proper on XX/XX/2020 I call and spoke to ally bank and they stated there end was not completed yet so how Experian done a proper investigation they also put a late payment on my report for XX/XX/2020 thats suppose to be waived do to covid-19 please look in to this
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I'm just trying to use Experian boost to see if I can recover any of the nearly FIFTY points Experian has dropped My score in the last two weeks ... with paid off credit cards, no delinquent payments, income going up ... two other credit bureau scores INCREASING ... and I get told 'try another way ' ... really ... what ELSE do I have to try??? I've done app, web via phone, SEVEN DIFFERENT browsers on My computer, and customer service ... who hung up on Me @ approximately XXXX XXXX  central  ... I'm not impressed with Experian, and I'll save this post so when you delete I can decide what if anything to do next, without having to type it out again ... to say My experience is terrible is to understate the obvious ... 
failing recovering any of those points, I'd like to at least see WHY Experian is so incredibly out of line with the other two major bureaus ... I'm getting NO help from them
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Claim submitted on XX/XX/XXXX Claim ID # XXXX My name is XXXX XXXX ( XX/XX/XXXX ) I submitted a claim due to the fact that my debit card was lost/stolen I followed all the steps the Bank of America asked I explained my story to about 5 different agents who all put different notes under my file after 10 business days they credited my account for the unauthorized transactions made to my account. 
Only for them to next re Open my claim and take the money back now my account is in the negative they did not give me a legit reason for them deny the claim when I did not use my card it has to be some proof they said they would look at the video surveillance I dont know if they did I did not use my card and I feel as though they did not make there decision correctly under REGULATION E It is a rough time for my family right now with me being out of work cause of convid-19 and I cant afford a major lost like this they credited my account then weeks later decided to take it back please help I have my income taxes coming to my account and my stimulus money but they put my account in negative by the money that I Go stolen out my account I am a victim of fraud and want justice
Consumer complaint received 2020-04-24
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. (NY)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from reporting on my credit XXXX   Report Confirmation # XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$750.00} {$770.00} Account Name : XXXX  XXXX XXXX XXXX Account number : XXXX {$700.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX  XXXX XXXX  Account number : XXXX {$1000.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX  XXXX Account number : XXXX {$1600.00} Date open : Date open : XX/XX/XXXX By Mail Only Account Name : XXXX XXXX  XXXX  Account number : XXXX {$2900.00} Date : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$330.00} My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2020-04-24
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. (NY)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from reporting on my credit Experian Report Number : XXXX Account Name : XXXX/XXXX   Account number : XXXX Date open : XX/XX/XXXX {$750.00} {$770.00} Account Name : XXXX  XXXX XXXX  XXXX  Account number : XXXX {$700.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX XXXX  Account number : XXXX {$1000.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX  XXXX Account number : XXXX {$1600.00} Date open : Date open : XX/XX/XXXX By Mail Only Account Name : XXXX XXXX  XXXX  Account number : XXXX {$2900.00} Date : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$330.00} My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help