davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent attempt to apply for a credit card using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with XXXX, Transunion, and XXXX. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!
Consumer complaint received 2015-04-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

- called Ally Auto to have a deferred payment on XXXX XXXX. 
- called Ally Auto to pair the partial payment as requested for the deferred payment. Ally instructed me to make the payment over their internet application. Payment was made on XXXX XXXX online at approx XXXX per ally instructions. 
- ally informed me this would post in 2 business days and that the deferral would not effect any credit reporting agency. 
- ally reported me 30 days past due for the payment- I 've contacted Ally XXXX to request investigation and removal of 30 day late payment. However have been unable to resolve.
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. (IL)

Theres a collection from XXXX XXXX XXXX account number XXXX & XXXX reporting on my consumer report.This is not my debt. 
XXXX XXXX XXXX, has summons me to court for this debt and the Lawsuit was dismissed.
Consumer complaint received 2016-12-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A. (LA)

XXXX dba XXXX, XXXXand XXXX harassed me and my family at work and home for 10 years. They claimed they bought a 15 year old Sears Citibank Master Card debt that belong to me. In 2008, after hardship during Hurricane XXXX, we file bankruptcy. So, this debt was discharge by Citibank. 

In XXXX, XXXX/XXXX sued me and corrupt civil court Judge XXXX ruled in their favor because I could not go to court because of work and my XXXX. 

They ignored my complaints of statue of limitation, bankruptcy filing and illegal predatory debt collection practices. 

Now, they have forced my job to garnished {$1400.00} per month on a debt that was discharged. After, the first garnishment, I have no means of paying for groceries, utilities, fuel, car notes, or emergencies. 

The initial debt was {$5000.00} and now it is {$8000.00} and counting.
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

I found out on XXXX 2015 that I was a victim of identity theft. Upon further investigations on my own, I came to realize that this " entity '' that had stolen my identity apparently used a suffix in my name, " XXXX ''. I of course have notified all three reporting agencies and Equifax is still yet to permanently update this information and block the " XXXX '' from reporting to my credit report. My legal name is XXXX XXXX XXXX. I have on ( XXXX ) occasions uploaded the following to support my legal identity : US Passport, current Drivers License, Social Security card and certified copy of birth certificate. As of today, they still claim that this request is still processing after almost 9 months of my disputing. Please note that both XXXX and XXXX are accurately reporting my legal name. Whereas, Equifax has yet to do so. Because of this, I am unable to verify my identity with anyone to establish credit whether with utility companies or any other type of potential credit. At this juncture, this is very harmful to my life.
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

Equifax continues to report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to Equifax and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2016-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Security National Automotive Acceptance (CA)

I just read a case against Security National Acceptance filed by CFPB on a service member and it states that SNAAC is not supposed to get into any more problems with the service members but here I am an XXXX military who got an auto loan with them. In XXXX of 2015 I filed for bankruptcy which was discharged in XXXX of 2015. I am attaching the email from the Judgement Administrator at SNAAC who stated very clearly that she received the court documents and I am retaining my vehicle. I took that email as confirmation and have been making payments to SNAAC for the past one year on time. SNAAC has not been reporting any payments to the credit bureaus and upon asking I got told that oh it was discharged in bankruptcy. I have made payments to SNAAC for the pat one year. I have been arguing with them about this since like XXXX of 2015 when I first found out about this. No response, no resolution nothing. My credit score hurting, did not get approved for any auto loan anywhere till yesterday finally with a high interest rate, a security investigation going on me with the military and no positive accounts reported in the credit bureau which may affect my clearance with the military, I am not getting any response from SNAAC they never email or call me, customer service representatives are very rude and they tell me they can not do anything and they always transfer me to XXXX XXXX the current Judgment administrator who never answers her phone or gets back to me. So I have one year of payments not reported to the credit bureaus which has affected my credit rating, no credit card approvals an auto loan approval with a high interest rate, the metal torture Im going through right now, the time I waste in contacting and looking for answers with no resolution.
Consumer complaint received 2016-02-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

To Whom it May Concern, I was charged {$12.00} for insufficient funds on a check that I tried to deposit to my account. Prior to writing the check, the checkwriter checked her account to make sure she had sufficient funds. After depositing the check, I received the notice that I was being charged. 

I tried to call Customer Service to ask why it is Wells Fargo 's policy to charge its customers for something which is not within their control. A company which claims to " proactively protect our customers ' financial security through a risk focused culture '' should not impose fees upon its patrons which they have no control over. This alienates those risk-averse people who do everything they can to be prudent in their financial decisions and do their due diligence because it imposes upon them a risk they can not obviate. 
I have been a Wells Fargo Customer for a decade. I hold checking and savings account. I have a safety deposit box. I have a credit card. And as a student in professional school, I planned to patronize the bank for years to come. My experience with the Customer Service phone team has made me question these plans. 

Upset over this fee, I called Customer Service to request a refund. I asked my customer service representative how any customer could avoid these fees in the future. She had no answer for me. I asked her if that means I should just avoid using Wells Fargo financial services in the future, and she essentially agreed that this was the only way for me to minimize my risk. 
A business that claims protect its customers ' financial security while imposing undue fees on them ( that a prudent customer could not possibly control ) is not conducive to customer retention or satisfaction. How could I possibly feel that my money is secure if I can not protect myself from arbitrary fees? 

The worst part of the entire experience is that the supervisor who I spoke to pretended that she did not hear me and hung up as I was trying to explain the situation. Luckily, I recorded the whole ordeal. 

What I would like to know is exactly how Wells Fargo would advise me to avoid such charges in the future? Is there some magical database I can access to ensure that a check that I receive will have sufficient funds in the future? Or should I stop using Wells Fargo services in general? 
Regards, XXXX XXXX
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (LA)

About two years ago, i reported information about an account that had been paid in full. I submitted my check showing the amount was paid. The CRA were reporting it in XXXX places. Once as XXXX XXXX and then as XXXX. The payoff was made to XXXX which brought out XXXX XXXX. This negative information was taken off. I applied for a car loan and rec 'd approval for 12 %. knowing that can not be right, I checked my credit report only to find that XXXX XXXX and XXXX had reinserted the information again for the same XXXX debt with a deletion date of XXXX but a recent reporting date of XX/XX/2013. In order to be clever to say they complied with FRCA, they put down that it was disputed. Since the debt appears twice, which one is disputed and since I proved that is not owed, why did they put it in my report again? CRA says I can not sipute agin becuase it has been investigated once before. Holy cow-are they just that stupid or just corrupt. This is a nightmare phantom bill that will not go away unless I decide to sue which is becoming more likely. can you get an answer for these people on why they put that information BACK on my credit report with an obvioulsy false reporting date to make it look recent
Consumer complaint received 2022-12-30
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report., I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX ) XXXX  Date Opened : XX/XX/2022 Balance : {$250.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I am having an ongoing issue with Experian. Someone used my personal information to obtain credit in XXXX Colorado using a fraudulent address. They were successful in opening up an account with XXXX Account number XXXX. I filed a police report and sent it to Experian and they successfully blocked the account but later unblocked the account saying that they received information from the creditor that it was reporting correctly. They disputed the account and the account was removed from the file later it appeared again. I called XXXX and spoke to XXXX at phone number XXXX and she told me the account was flagged as fraud already and that Experian was notified to remove the account yet experian has not removed the account from my file. I contacted experian today and they did not want to help me. I am stuck in the middle of a horrific situation and experian has not removed the fraudulent addresses in XXXX coloredo from my file.
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WV)

XXXX. Consider keeping your old accounts open. 
***REMEMBERING ''THE BELOW STATEMENT FROM EXPERIAN '' ... ... ***The length of your credit history is considered by many credit scoring models, so your old accounts may be doing more for you than you realize. The longer that your positive payment history is, the better it can look to creditors trying to discover how long you 've handled credit responsibly, and have been in good standing. Old open accounts can show creditors you have been savvy with your credit use for an extended period of time, which can make them feel more at ease. 

***PLEASE HAVE ''EXPERIAN CREDIT AGENCY '', TO PUT BACK ON MY CREDIT REPORT THE OLD ( XX/XX/XXXX EXTABLISHED ... WITH ''XXXX CREDIT CARD '' ... .THRU XXXX ... .THAT WAS TAKEN OVER BY : XXXX XXXX. 
I NEVER MISSED ANY PAYMENTS ... ... NEVER LATE SINCE XX/XX/XXXX. WHY? WAS THIS TAKEN OFF ....? I NEVER MEANT FOR THIS ITEM TO BE TAKEN OFF BY ''EXPERIAN ''. 

PLEASE RESTORE THIS ITEM, WHICH WILL IMPROVE MY CREDIT SCORE, WHICH NOW STANDS AT : XXXX ... ... ... ( REMEMBER I WAS AT : HIGH OF XXXX .... ( XXXX ... .XX/XX/XXXX ... ... WHEN I WENT TO XXXX TO GET MARRIED & HAVE MY SON. 
CAME BACK TO FIND THERE HAD BEEN XXXX COMMITTED ON MY SSAN & NAME. 
PLEASE ADD THIS CLOSED CREDIT CARD FROM : ''XXXX '' ... .. ( XXXX XXXX CREDIT CARD ) ... ... RESTORE TO MY CREDIT FILE. 
Thanks., XXXX
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX : XXXX ( The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OK)

I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page 35 statue 609-disclosures to consumers [ XXXX XXXX. statue XXXX ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to XXXX XXXX a ) ( XXXX ) [ statue XXXX ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OR)

Completed form for request for free credit report on : annualcreditreport.com Requested Free Credit report from XXXX XXXX as well as Experian and received notification Message as follows : We are unable to complete your request. 
What happened : " You have already received your free Personal Credit Report from XXXX ; therefore, you are not eligible to receive an additional XXXX report at this time. " I have NOT requested my credit report for many years. This data is incorrect. I have an urgent need to access my credit information as I was refused access to Social Security MyAccount information because my " responses to credit questions '' did not confirm my identity. One of those questions involved a statement of a purchase or lease of a car in XX/XX/XXXX. I have not purchased or applied for any car loans or lease since XX/XX/XXXX. Therefore I need to investigate a possible identity theft situation. I need my free copy of my Credit Report NOW. Also, need to know, to whom, when, and why, you may have or believe you have received a request for my free report as well as where you sent that free copy if not to me. This Is an Urgent Request you my contact me by email or phone.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OH)

Both myself and my wife have put credit freezes on our accounts at Experian, XXXX and XXXX. XXXX will let us get our free annual credit reports online. Experian and XXXX wo n't. I am assuming the reason is because we have credit freezes on our account. This is unacceptable. It is a pain in the neck to request them via XXXX mail.
Consumer complaint received 2015-10-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

On XX/XX/2015 my mother was killed in an auto accident. and at that time we did not know of any debt on my mothers behalf. After the funeral I became Executor and began to check my mother 's mail and affairs. After calling all debtors companies and resolving those debts " Credit Bureau Systems Inc. attached a proof of claim to my mother 's estate in district court. they would not call me back after several attempts to contact them to resolve this matter of debt. My mother had no banking account, and live in a home that did not belong to her. I 've talked to the other family members and we can not pay the amount. please inform me on how to take care of this.
Consumer complaint received 2017-02-17
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

I received several call and letters from Conserve collection agency claiming that I owed {$1700.00} to the US Department of Education. 
I then wrote to Conserve collections, stating that I do not have knowledge of that debt, since I never applied for a student loan, and I requested validation and/or documents proving that I applied for a student loan. 
Conserve sent a copy of an application for a student loan, the information in the form does not match my social security number, previous addresses, etc. 
Apparently Conserve has me confused with another individual, as I never applied for a student loan. 
Conserve continue with their illegal collection activities and demand payment. On XX/XX/2017 Conserve contacted my employer ( violating my privacy ) request personal information and started activity garnishing my salary. 
I wish to file a complaint against Conserve for violating all Credit Billing Acts and the Fair Debt Collection Practices Act.
Consumer complaint received 2024-08-06
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "