davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I paid to receive my credit report and score from the XXXX bureaus from the Transunion website. They charged me {$1.00} for setting up an account in order to view this information. I saw no warning or disclaimer saying I would have to cancel a subscription in 7 days or be charged a subscription fee of {$17.00}. After a week I was automatically charged {$17.00} for a subscription that I was unaware of. It 's abusive and deceptive practice to automatically charge someone 's credit card in this manner. There should have been a more clear option to sign up and pay for the subscription separately. Per the customer service representative, the disclosure was given when I gave them my credit card number initially, but this was not very clear.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

am submitting a complaint regarding inaccurate personal information on my credit report. My correct address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and my correct date of birth is XX/XX/year>. However, my credit report contains incorrect personal information, including wrong addresses and incorrect dates of birth. The accounts that are charged off on my report have wrong DOB & street address that are not mine. As senior citizen this violating my rights This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ), which requires credit reporting agencies to maintain accurate personal information. I request that any accounts or information associated with incorrect personal details be promptly removed or corrected. 



Please investigate and ensure that my credit report reflects accurate and up-to-date information, and that any false data is deleted immediately, in accordance with the FCRA.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MO)

There are thousands of complaints, and have been for several years, about Equifax and their ridiculous verification questions that end up denying most of all free report requests on XXXX. I have a credit score of well over XXXX and I keep all my financial info at my fingertips and the questions they ask to verify your identity are just plain stupid. They obviously do n't want to give out free reports and so far I do n't see any government agency doing anything about it. I 've tried for 5 straight years to get my report from them online with ZERO results. I applied for my XXXX year old daughter 's report today and the verification questions were about her " mortgages '', " credit cards '' and " car loans '' ... none of which she has. And of course ... request denied. " Please fill out our obnoxious paperwork and give us a couple forms of identification and MAIL us ''. WHY ARE THEY STILL GETTING AWAY WITH THIS???? If they were a person I 'd XXXX. For an organization that has the PRIVILEGE of handling everyone 's credit scores they do a pathetic job of it.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2015-07-11
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

There was a double charge of approx.. {$74.00}. 
Talk with XXXX reps..XXXX rep told me it tooK 8 days for processing ... normally it 's instant..XXXX rep told me there was a system problem ... supervisor would be calling me in 24 hrs ... no call..talked with sup-XXXX..told me I would n't be getting my money. back.help me please.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681 ( e ) B. I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME. 

Account info Account name XXXX XXXX Account number XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$650.00} Balance updated XX/XX/XXXX
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, my name is XXXX XXXX. 
On my Credit Report is showing that I owe XXXX XXXX XXXX {$520.00}, I spoke to them several times ( more than XXXX I believe ) and all they do transfer me from one department to another ... .they have no idea what am I talking about. I went to XXXX XXXX XXXX office twice, they told me they will resolve the problem. Up until today it 's still showing on my TransUnion Report, but back in XXXX 2014, I agreed on paying them {$270.00} and they XXXX told me going to close the Collection. I wish I never settled with them because the charge was wrongful to begin with. I work in Finance, and my partners told me it 's my mistake to settle with them. 
XXXX even sends me appreciation letter for being such a loyal customer. I ALWAYS PAID MY ACCOUNT IN FULL AND ALWAYS RETURNED EQUIPMENT WHEN I WAS MOVING. Today I googled XXXX phone number XXXX XXXX XXXX XXXX which is showing on my credit report, I assumed its a collecting agency ( but still Original Creditor says is XXXX XXXX XXXX ). To XXXX agent I 've provided my ss # and my name and they found no information, nothing! Earlier today I also contacted FCC.gov who were not able to help me either. I am so extremely upset because its significantly affecting my credit score and this collection does n't even belong to me. I am looking forward for your response, and do n't think I need to start legal action against this matter. 

Thank you
Consumer complaint received 2015-07-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Charlottesville Bureau of Credits, Inc (NC)

I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2015-07-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

I had an account with Wells Fargo for XXXX yrs. I had a checking account with a savings account. On or around XXXX of 2015 I was on a XXXX in which I had {$2000.00} in my accounts. Some how I got a {$5600.00} charge and knowing I would have to work out a settlement with the cruse line. But Wells Fargo completed the transaction causing me to be over {$3600.00} in the negative. I had no money in over draft protection and in the past if I had a {$100.00} pre authorized payment and only {$90.00} in my account it was declined. ( always ). Never have they paid any transaction if I did n't have the funds available. 
I went to speak to my branch manager he called the main office and they to him it was a mistake on there behalf but nothing they could do nothing about it. 
Resulting in closing my account and keeping me from being able to have a checking account with any financial institution. 

This type of business is unjust. 

Thank you for your help in this matterXXXX XXXX
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XX/XX/XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00}. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number Transunion and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with Transunion, the man who spoke to me from Transunion told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the Transunion representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IN)

My credit report has the same loan being reported XXXX times. I have a total of XXXX loans being reported XXXX times. So instead of the XXXX loans that I have actually taken out, my credit report is showing XXXX. Each company that has managed my loans has reported them, so XXXX companies. XXXX loans. XXXX accounts showing on my credit report. The most recent loan carrier reporting does not even have an open date for my loans. Then I have one other loan that I paid XXXX years ago and it 's even on my credit report XXXX times even though it was already paid off. So, this other loan, XXXX loan, but showing it as XXXX accounts - and it 's been paid for XXXX years. That 's XXXX extra accounts showing on my credit report that should n't be there. And it 's on XXXX reports that I got XXXX XXXX Equifax XXXX, so I 'm sure it 's just as bad or worse with other reporting agencies.
Consumer complaint received 2015-07-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I financed a truck with my now ex-husband. In my divorce I received the vehicle and was making timely payments until I lost my job. The finance company came and got the vehicle. I paid what I was behind to get the truck back. After picking it up I discovered that the transmission had been destroyed in the towing process and would cost me nearly {$4000.00} to repair. The finance company and towing company refused to help me resolve the issue and I sent the truck back. The finance company now says I owe more than I originally financed, claims to have sold the vehicle but refuses to provide me with documents showing in detail what it was sold for and what I owe. They call me and harass me every day and still refuse to provide me with documentation, even though it has been nearly a year since they originally picked up the vehicle.
Consumer complaint received 2015-07-11
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Credit Protection Association, L.P. (AZ)

Robo calls and agent leaving messages on my answering device, attempting to collect a debt from a person unknown to me, I have repeatedly stated I do not know this person named XXXX XXXX and to stop calling, this company refuses to stop and desist, and I want criminal charges for fraud against them. I do not know of the person or debt by this person. Company : Credit Protection, left contact numbers Phone No 's, ( 1 ) XXXX ; ( 2 ) XXXX, using their account number stated as XXXX, website I think stated as XXXX.
Consumer complaint received 2015-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (GA)

XXXX : XXXX XXXX XXXX XXXX Choice Recovery XXXX XXXX XXXX XXXX 

THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
Upon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX COLUMBUS XXXX INC./and CHOICE RECOVERY INC. : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX XXXX XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. 

I am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. 
Please investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately.
Consumer complaint received 2015-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

First Citizens Bank of XXXX, undervalued my request for a mortgage by $ 100,000+. To do that, they appraised the land ( purchased for {$120000.00} ) at {$9800.00} ( tax appraisal uninproved is {$70000.00} ). To do that they found land XXXX miles away selling for $ XXXX/acre and ignored land pricing anywhere closer much less inside the resort community. They chose XXXX comparable, XXXX was a mobile home and the XXXX had been abandoned unfinished in 2006. Our planned " custom built '' log home is in a gated community atop XXXX XXXX ( XXXX ), the mobile home they compared it to has a State Highway running thru the backyard and was simply dropped off a flatbed onto a slab at that location. 
But that 's how they do business. They claim the " negligence '' is all the fault of the appraiser and his negligence is my problem, not their 's ( that 's not true in all States ).
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CO)

Hello this year I found that my personal information was put out into the world in more than one data breach. This has caused my credit information to be wrong and given me credit issues because now I am the victim of identity theft. I have frozen my credit, reported to all 3 credit bureaus asking that false items and misrepresented items be removed. I reported to XXXX XXXX XXXX and more. But per 15 U.S. Code 1681e ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoug
hts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX