davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As per the guidance from the CFPB, the required document and a letter from an advocacy group assisting me due to human trafficking debt bondage, which falls under XXXX  according to XXXX XXXX rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block and remove this information from my credit report with FOUR BUSINESS DAYS. 
Please delete the following accounts : XXXX XXXX XXXX XXXX. {$460.00} Chapter XXXX bankruptcy : Bankruptcy XXXX. {$0.00} XXXX bal. {$0.00} XXXX bal. {$0.00} XXXX  bal. {$720.00} XXXX XXXX. {$1100.00} XXXX XXXX XXXX XXXX XXXX. {$3300.00} XXXX XXXX XXXX. {$5200.00} XXXX XXXX XXXX XXXX XXXX. {$5300.00}
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2018-11-02
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: CREDIT ACCEPTANCE CORPORATION (LA)

They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were added without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately blocked and removed. 
Fraudulent Accounts : XX/XX/XXXX XXXX XXXX XX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00} BANKCRUPTCY XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries :XX/XX/XXXX
Consumer complaint received 2018-11-02
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. (NJ)

XX/XX/2018, XXXX XXXX has placed themselves on my Experian credit report, since then up until XX/XX/2018 have written to Experian with regard to disputing this action that is listed on my report under Acct. # XXXX, in the amount {$1200.00}. I have provided them with the necessary documents to support my claim, and they have yet to address this issue. Pursuant to Section ( 609 ) of the Fair Credit Reporting Act, consumers disclosure section provides for the protection of consumers against false and erroneous reporting. XXXX XXXX has failed to provide Experian with any proof that this account belongs to me.
Consumer complaint received 2018-01-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC (WI)

This company is repeatingly calling my family members multiple times a day in a form of harassment since spring of XXXX. They told my family members I owe to a loan company and are threatening to sue me-that 's harassment, and illegal for them to spread my information. I do n't know what company this is as when I get private calls/voicemails they do not leave a number to call directly. They leave voicemails on my family members and my phone on private calls saying that they are sending somebody to summon me court order papers. That never happened. They are calling my family members more than they are calling me. I heard the voicemail left to me XX/XX/XXXX of a court order being sent to my address in person within an hour, and I have not received any papers. They provided a case number that was not in the XXXX XXXX Court systems ( XXXX ) as of today.
Consumer complaint received 2018-07-24
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. (CA)

I had sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas this bureau dubiously claim to have somehow verified these items. 
Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.Chapter XXXX bankruptcies Reference Number : XXXX - Again, I  have to ask you to please delete these erroneous account from my report. You have just re-inserted debts on the credit report that were past the statute of limitations.

2.XXXX XXXX XXXX : XXXX XXXX - I told you Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! Please remove this immediately! 

This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report. My dispute request, id and personal information has already been mailed to you before.
Consumer complaint received 2018-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/XXXX, I paid my credit card off in full. It was 5 days past the due date. I made no other purchases on the card. I was charged a XXXX dollar late fee and finance charge ( not sure what the finance charge was for on a XXXX balance ) XX/XX/XXXX, I didnt even check the statement because I had paid off the account in full. Another XXXX late fee and a finance charge. XX/XX/XXXX ( today ) I get a call that I owe them XXXX dollars and some change. I was assured that if I paid them today, the payment was good through XX/XX/XXXX. So I pose the question so I wont be charged another late fee in XX/XX/XXXX because today is 7 days past my due date. The response was I would not. So I ask then what is the difference between XX/XX/XXXX and XX/XX/XXXX? You charged me in XX/XX/XXXX for XX/XX/XXXX why wouldnt you charge me in XX/XX/XXXX for XX/XX/XXXX?  The representative then offered to waive XXXX in late fees, with no explanation why I was charged in XX/XX/XXXXl, but wouldnt be charged in XX/XX/XXXX. The computer conveniently froze and even though I asked to remain on hold to resolve the issue, I was disconnected. 3 attempts to reach the representative were unsuccessful. I also asked for a balance so I would never have to deal with this card for he rest of my life, The representative was unable to provide that information. I feel like this is an attempt to unfairly collect fees that are not due to them. The company is XXXX XXXX the card was through XXXX.
Consumer complaint received 2018-11-02
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. (LA)

XXXX XXXX  XXXX  is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.
Consumer complaint received 2018-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NJ)

PayPal do not disclose fees that are charged on recipient side of the transaction. {$350.00} XXXX were charged for transferring funds. 
I was outraged when I found out about the rip-off. Immediately submitted request to cancel the transaction, but the response was it takes 90 day for review. Another rip-off ... so the consumer forgets about it in 90 days. Dispute Case ID XXXX opened on PayPal support website.
Consumer complaint received 2022-04-22
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. (PA)

on XX/XX/XXXX I submitted a dispute. The dispute came back as verified. I then wrote the bureau and asked for a reinvestigation. I went to check the status of the reinvestigation and could not see the results. My letter for reinvestigation was received on XX/XX/XXXX... The bureau submitted my dispute on XX/XX/XXXX ... and the results were ready by XX/XX/XXXX. on XX/XX/XXXX after waiting weeks to see the results of the dispute i called the bureau to find out why the dispute was completed without me seeing the results/outcome. I was told by a representative that the account i disputed would remain on my report even though i was never provided results or what i initially asked for in the reinvestigation letter
Consumer complaint received 2018-07-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have allot of medical bills damaging my credit. I can't even get a apartment on rent so I can live In peace. I talked to a paralegal and he said that medical bills shouldn't be apart of your credit. Please remove this. The company name Is XXXX XXXX XXXX.
Consumer complaint received 2022-10-25
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. (CA)

In accordance with the fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 DP OF EDUC Account # XXXX XXXX XXXX  Account # XXXX DPT EDXXXX Account # XXXX DOE XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has violated my privacy 15 U.S.C 1682 section 602 A states I have the right to privacy 15 U.S.C 1682 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022, I was scammed out of {$3100.00} through XXXX. The scammer text me, and then called me from a " Wells Fargo '' number, and pretended to be a Wells Fargo bank representative, and scammed me out of my money by getting me to transfer money to them. I immediately reported it to Wells Fargo, who investigated, confirmed the scam, but refused to return my money to me. They stated that the transfers were authorized by me, and closed my claim. I researched EFT Act and found Regulation E. I called back and mentioned Reg. E to them, but they still refused to return my money, claiming that my situation is not considered an unauthorized transfer and doesn't fall under Reg. E. According to the Consumer Financial Protection Bureau , my case meets the Reg E. definition of unauthorized transfers. Wells Fargo has continued to deny this, has given me the run-a-round about my claim, and has continued to refuse to return my money. By law, I'm supposed to get my money back, but they are refusing to return it. Please help me.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

I want to XXXX  that I did not give XXXX XXXX for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my XXXX is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my XXXX I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (AL)

I started taking out loans to pay for my XXXX in XX/XX/XXXX. At the time, I was a XXXX XXXX XXXX. It wasn't until a friend told me about the XXXX Loan Forgiveness in spring XX/XX/XXXX that I knew that I even qualified for forgiveness. On XX/XX/XXXX, Great Lakes acknowledged receipt of my XXXX loan forgiveness application. While I received a {$5000.00} forgiveness payment on XX/XX/XXXX ( and am awaiting word on the other {$12000.00} ), I was never told by my loan company about either the XXXX Loan Forgiveness Program or the Public Service Loan Forgiveness Program. I can not even begin to calculate how much money I could have saved ( including thousands in interest ) if I had know about this program earlier. Now, I am having such a difficult time paying for the loan, that I need to go into forbearance for months at a time ( since XX/XX/XXXX ) due to the high payments.
Consumer complaint received 2024-10-15
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-23
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$55.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX  Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$640.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$620.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Consumer complaint received 2018-11-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

Back in XX/XX/XXXX my wife and I divorced from that time until XX/XX/XXXX I tried to get a loan modification with Wells Fargo I would make partial payments to them which they accepted and took all paper work they requested to them here in XXXX, Or. so that it could be and was faxed to there main office. They never could fined my paper work back in XX/XX/XXXX/ to XX/XX/XXXX I was advised by an mortgage attorney that Wells Fargo wasn't going to work with me to get a loan modification that they would just Foreclose on me. I was advised to short sale my home to save my credit for which I did about a month later after the sale of my home The Federal Gov. stepped in and made all the Banks & Mortgage company 's work with the people. Not until resonantly did the Gov order Wells Fargo to make good on all the Loan Modification that were applied for. They just told me on XX/XX/XXXX after allot of phone tag that they found my paper work and that I was denied back in XX/XX/XXXX do to my income, But back then they could never fined my paper work It is because I filed with O C C now O C C asked me to file with you I've been in contact at Wells Fargo with XXXX XXXX at XXXX extension XXXX She is also giving me the run around and letting me know she call me back around the XX/XX/XXXX In the mean time O C C asked me to contact you people and continue the complaint. Wells Fargo owe 's me the XXXX that the Gov ordered them to pay people who tried to to get a Loan Modification but there paper work always got lost Wells Fargo like 's to play game 's at the Public 's exspence. I would still be in my home at XXXX XXXX XXXX XXXX Or. had they not played games with me and allot of others My case # with O C C on Wells Fargo is XXXX I will call this XXXX XXXX and let her know I have filed with you. I have had several people glad to see someone like me to follow up on this matter. Thank You