davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-05-16
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. (GA)

XXXX XXXX XXXX Reported : XX/XX/XXXX {$860.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$250.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$250.00} XXXX , XXXX. 
Reported : XX/XX/XXXX {$240.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$490.00} XXXX Reported : XX/XX/XXXX {$70.00} XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1000.00} XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2019-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/2019 I purchases concert tickets from someone over the internet. I sent them the money and they sent me the tickets. I go to the concert only to find out that the concert was cancelled. I sent then the money through the app zelle. I have tried constantly contacting the person back for the XXXX dollars i have sent them to be sent back and they never respond but are still active on the social media i connected with them through. I contacted zelle services and they said there was nothing they can do. Same thing with my bank ( XXXX XXXX ) The person I purchases the tickets from gets a refund from the concert company, so this person has just taken my money and also received money back for their purchase from the company themselves.
Consumer complaint received 2019-05-16
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 contacted all three credit bureaus XX/XX/XXXX to have XXXX XXXX removed from my credit report due to me not having a contract. XXXX removed this creditor from my credit report XX/XX/XXXX. However XXXX XXXX is showing up on Experian and XXXX. I have disputed this with a 2nd letter to Experian and XXXX on XX/XX/XXXX because I did not here back from them the reason it was on my credit report. After that I hired XXXX XXXX XXXX to correct this and XXXX and Experian still did not furnish me with a original contract proving that this account was mine as requested or deleting this from my credit report. I disputed this with CFPB XX/XX/XXXX and I looked up my results and spoke with the representative who advised me that they recieved a response back from XXXX XXXX stating that had no record of me which is not true. I provided a screen shot of my credit report stating that this was their name on my XXXX and experian credit report. Since this company is denying that they are not the company that is reporting Im asking Experian and XXXX to delete this company from my credit report or furnish the orignal contract from this agency, which they have yet to do.
Consumer complaint received 2019-08-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (IL)

Santander illegally repossessed my vehicle. they claimed they sent me a notice about taking the vehicle but this is a letter that i never received. they did not send this by any form of traceable mail that proves that i received this letter. I was unaware that this was going to take place they didn't give me any notice and i didn't receive a letter at all. then after the vehicle was taken by them they failed to make sure i received the letter that tells how much time of i have to get my vehicle back and how much it would be. They sent this letter via traceable measures but it was returned to them and i never received this letter either. Nor did they attempt to resend the letter to me to make sure that I in fact received it. they still have the vehicle and since it was illegally repossessed i want them to either remove this collections from my credit report or provide me with a letter that I can provide to the credit bureaus to remove this entry from my credit report. Since my vehicle was illegally repossessed i want this to be the outcome that will take care of them taking the car without notifying me and this will also keep me from having to take them to court.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NV)

I have to hard pulls from Citibank NA automotive on XX/XX/XXXX and XX/XX/XXXX I have not applied for anything the address and phone number showing are XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2019 - It was reported that XXXX XXXX requested a copy of my credit report from TransUnion, which I did NOT authorize. 

XX/XX/2019 - I was notified via email from my credit monitoring service that there had been an inquiry made on my credit report. I was furnished with the name and telephone # of XXXX XXXX if I deemed this to be in error. 

The telephone # provided for XXXX XXXX   was a recording regarding mortgages, after which the call disconnected me. 

I then called XXXX XXXX 's fraud department ( XXXX the # ) and explained the situation to an agent. I did provide my name and SS # so the XXXX XXXX agent could verify if there was in fact a credit application made using my information. I was told no results were found? The agent instructed me to contact TransUnion. 

XX/XX/2019 - I attempted to resolve this online with TransUnion however, was instructed to call the agency as the issue couldn't be taken care online. The TransUnion agent was NOT helpful, just recited a lengthy set of instructions I needed to follow to resolve the issue! The first step was to again contact XXXX XXXX. 

I again called XXXX XXXX, using the original # I was provided. There was another # indicated in the recording, so I called this #. After 3 HOURS of being transferred to multiple depts., asking for my acct # ( I do NOT have one ), searching their records for an active credit application in my name ( some agents reported no application, while other agents did find one? ) and relaying my issue MANY, MANY times, I was told that a consumer dispute would be opened and my issue would be absolutely be resolved. 

XX/XX/2019 - UNBELIEVABLE! I receive a letter from XXXX XXXX ( dated XX/XX/XXXX ) stating they are unable to investigate based on the information I provided and in order to continue with the investigation, I need to submit the following : - My name, address and telephone # - PROVIDED XX/XX/XXXX ... ... 

- Copy of my consumer report showing the inquiry - XXXX XXXX made the inquiry, UNAUTHORIZED, XXXX XXXX should have the documentation. 

- An explanation from me as to why I would like the inquiry removed. You have got to be kidding me, I explained this several times to several XXXX XXXX   agents on XX/XX/XXXX. 

XX/XX/2019 - I am thoroughly disgusted with the manner in which XXXX XXXX and TransUnion have handled my identity theft/fraud issue. How about we train employees to assist consumers with some professionalism and empathy? Instead I get to waste several hours of my time with ignorant, inferior and at times rude employees who apparently think I am wasting their PAID time.
Consumer complaint received 2019-05-16
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 — Problem with personal statement of dispute
Company: Knight Adjustment Bureau (UT)

Knight Adj Bureau and XXXX XXXX XXXX are double reporting on accounts # XXXX for Knight Adj and # XXXX for XXXX XXXX. These are the exact same account just with different numbers. They are double reporting and it should be removed.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-23
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-05-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo has not responded with accurate information regarding my monthly income and they not communicating with me or my attorney in a good faith effort. The company with little notice increased my mortgage stating my property taxes increased when in reality they went down. They also changed my home address and I can seem to get anyone on the phone to correct this mistake.
Consumer complaint received 2019-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX I notified XXXX, XXXX, and Transunion of multiple unauthorized inquiries on my credit. I notified the credit bureaus that I submitted requests to each individual inquirer to show I authorized the inquiry and had no response from them. 

Since XX/XX/XXXX until now the 3 credit bureaus have not sent me proof nor removed the credit inquiries. 

I again notified the bureaus in XX/XX/XXXX that it has been more then 90days and I have not received anything showing proof of authorization or removal. 

From my understanding the Bureaus have 30 days to investigate and if they can not provide me any proof then the inquiries must be removed.
Consumer complaint received 2019-05-16
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. (GA)

XXXX XXXX XXXX Reported : XX/XX/2019 {$9000.00} There is no contracts, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute XXXX.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2019-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

Taking Payment from an un-selected un-designated account I have been a regular Paypal customer for years and recently changed bank accounts. I have provided alternative accounts to collect payment from and made them my " preferred '' account for Paypal to collect payment from. Paypal INSISTS on debiting my old account. 

I called Paypal 's customer service and the REFUSED to delete the account. " Payments are pending '' I said let them be refused as I had provided alternate account information for the payments to be drafted from. The CS agent was rude and unhelpful and then called me from their personal cell phone to harass me after I got frustrated and hung up. 

I called Paypal 's CS again today to have all my account information deleted and my accounts closed and I'll go to XXXX XXXX and the CS agent once again refused to help me stating that no one in the company can delete my account. I asked to speak to their supervisor and they left me on hold. I hung up after 10 minutes. 

We all know that last part is completely false. Computer information is deleted every micro second. 

I have been charged {$440.00} in overdraft fees from a bank account I did not specify to be drafted by Paypal after providing them account information to draft my payments from. I have tried to resolve this with Paypal directly but their CS is staffed with people that are unable to resolve the issue. 


Account ID : XXXX XXXX
Consumer complaint received 2019-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

My complaint is in regards to Navient. A check for {$160.00} is sent in every month, and I make the remainder of the payment at the beginning of the month as well. Navient misapplied my payment, when I sent an email on XX/XX/2019 to please apply the payment correctly to the remaining monthly balance I got an email back saying it would be completed. I get online today XX/XX/2019 and out of the {$69.00} that was paid online only {$25.00} was applied saying with a remaining balance showing owed. When I called in at XXXX the representative couldn't tell me where the remaining {$43.00} was and why it wasn't applied. Then the rep tells me that the account will not be updated until after the billing cycle on XX/XX/XXXX which is after my payments are due. I also received and email stating that I still needed to make my payment. The rep refused to transfer me to get the payment applied to show I do not owe money and so I won't receive any more emails saying I owe money which I do not. Now I have been sitting on hold for over 25 minutes. The rep on the phone will not speak or answer anymore questions and will only say that they can not help me anymore.
Consumer complaint received 2019-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IN)

My identity was compromised while serving overseas. The following accounts were fraudulently opened in my name. I demand that the items be removed immediately. 

XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$46000.00}
Consumer complaint received 2019-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My problem concerns closure of my credit card in the month of XX/XX/2019 with Capital One through no fault of my own. 
The problem occurs because the company refuses to give me my accumulated cash back in the amount of {$490.00} that has been accrued over the last several years. 
The company has indicated to me that that once an account has been closed they can not go back and issue money from that account to satisfy my claim for my money that was accrued in my account, This is tantamount to stealing my money that has been accrued by me over time. 

XXXX XXXX
Consumer complaint received 2019-05-16
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. ()

XXXX ; Experian and XXXX are reporting an unsubstantiated claim by XXXX XXXX XXXX a collection in the amount of {$2700.00} partial account number XXXX. ( Please see page 24 of the attached credit report. ) These line items report Ownership as either Joint and/or Co-Signer. I did, in the past, co-sign for a friend on her apartment. She resided in the apartment for the one year lease term. After the initial lease term expired, I was no longer financially obligated to this lease. She decided to stay in the apartment for another year. She solely, on her own, signed the new lease. I did not sign any documentation for a new lease term. She consequently decided a short time after to vacate the premises. Now XXXX XXXX XXXX   are holding me responsible for her breaking her lease. I, again, did NOT sign any documents for the new lease and I am NOT monetarily responsible for this debt. This incorrect reporting of a collection on my credit report is harming my credit score.
Consumer complaint received 2019-05-16
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. ()

XXXX ; XXXX  and Transunion are reporting an unsubstantiated claim by XXXX XXXX XXXX a collection in the amount of {$2700.00} partial account number ****XXXX. ( Please see page 24 of the attached credit report. ) These line items report Ownership as either Joint and/or Co-Signer. I did, in the past, co-sign for a friend on her apartment. She resided in the apartment for the one year lease term. After the initial lease term expired, I was no longer financially obligated to this lease. She decided to stay in the apartment for another year. She solely, on her own, signed the new lease. I did not sign any documentation for a new lease term. She consequently decided a short time after to vacate the premises. Now XXXX XXXX XXXX are holding me responsible for her breaking her lease. I, again, did NOT sign any documents for the new lease and I am NOT monetarily responsible for this debt. This incorrect reporting of a collection on my credit report is harming my credit score.