davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
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. (TX)

When reviewing my account in 2017, I determined that Equifax has an incorrect " suffix '' for me ( i.e., XXXX ). I filed a dispute and provided Equifax the documentation they required to demonstrate that I am not a " XXXX ''. Their email sent XX/XX/2017 indicated the dispute was resolved. The dispute was not/is not resolved and I was told that the only option was another dispute. I am not particularly interested in jumping through Equifax 's " 13 fiery rings '' again without some assurances that the result would be different this time. For all the documentation I had to assemble to demonstrate that I was not a " XXXX  '', Equifax could not tell me where the information came from that led them to believe " XXXX. '' was an appropriate suffix. 

Also, I just ( today XXXX ) tried to log into my Equifax online freeze/thaw account to perform a " thaw '' and was told I needed to do a password reset. I followed the instructions and the website indicated instructions to reset my password were sent to my e-mail account. No instructions were sent. When I called XXXX I was told by the rep that unless the account was created 3 months ago, I would need to create a new account. I just tried to do that, and when I completed the online form and submitted it, I got a server error indicating " We are temporarily unable to connect to our services ''. It seems strange that the other Equifax online ( non-freeze/thaw ) account I have where they can peddle services to me seems to always perform flawlessly.
Consumer complaint received 2018-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (OH)

Please substantiate your claims regarding information RECOVERY ONE LLC. transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within thirty days. Additionally include documentation which shows that RECOVERY ONE LLC complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from RECOVERY ONE LLC to the credit bureaus should be deemed discrepant and may indicate RECOVERY ONE LLC desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-12-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

i have opened a simple XXXX  an paypal business account on XX/XX/XXXX selling used electronic items tangible goods i have had the account for 30 days all items have been shipped with proper tracking all guidelines followed now with out warning on the date of XX/XX/XXXX my paypal account was closed for a non specific reason/vague i have XXXX dollars in this account from from items i sold around my house to help my family they have ruined my XXXX reselling /feedback system excepting sales from my XXXX  without refunding customers properly as this was done without warning while items still sold from XXXX  they keep money an refuse any recourse to me or my customers destroying my XXXX online resell business entirely i am XXXX years old my money is held for 180 days in there account used for there financial services/ie trading on the open market in benefit of paypal inc illegally under texas law ruining my finances an putting me into undue financial hardship i am unable to unlink any financial information/ they offer no recourse there is no recourse for my hardship/ repeated contact results in hang ups/rude representatives vague and unclear policy in utter frustration i have contacted the company an they have refuse any compromise or even to answer questions regarding a solution
Consumer complaint received 2020-09-20
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. (OK)

In XXXX of XXXX I filed a dispute with XXXX  in regards to a collection account being reported on my credit report i received a response in late XX/XX/XXXX that the account had been VERIFIED as belonging to me and would continue to be reported on my XXXX  credit file. I since a 2nd dispute notification to XXXX  in XXXX of this year XXXX, I received a response from XXXX  dated XX/XX/XXXX that stated " The disputed item is not currently reporting on the XXXX  credit file '' which was FALSE and I suspected that so I pulled my report via my personal XXXX  account and sure enough the collection account was still being reported on my XXXX  credit file as of XX/XX/XXXX. In XXXX of this year I filed two separate disputes with XXXX  because I have yet to be provided with detailed VERIFICATION that this account belongs to me nor is by dispute even being investigated. I received two separate responses from XXXX  none that provided Verification of the account belonging to me. In XXXX of this year I contacted the debt collector and the company responded that the debt was SOLD to them in XXXX to XXXX but provided NO information that VERIFIED I owed XXXX XXXX XXXX {$940.00},
Consumer complaint received 2020-09-20
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. (OH)

The balance on this account is not correct as this account as be Charge-OFF. As I can see the XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies. Therefore, this account is inaccurate
and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. 


XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX
Consumer complaint received 2018-12-27
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (NJ)

I attended XXXX University online using my post XX/XX/XXXX GI bill. I filled out the proper forms with the schools VA Representative to be sent for validation by the VA education department. The school allowed me to attend the spring  semester of XXXX and never informed me that there was an issue with my funding from the VA. Recently I was contacted by Ability Recovery Services from which I replied by mail with a debt validation letter. In turn they immediately sent another letter stating I failed to respond and that I had ten days to give them {$4100.00} or adverse actions would affect my credit. 
The company has been reported to the States Attorney General and now I am filing a complaint with you. This debt is between the school and the VA. Evidently my correspondence with Ability Recovery Services LLC XXXX. XXXX XXXX XXXX, PA XXXX was not enough to have them investigate who the debt belongs too. Their telephone number is ( XXXX ) XXXX EXT XXXX Attention XXXX XXXX.
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

I received a letter from XXXX XXXX XXXX  today ( XX/XX/XXXX ) thanking me for applying for a XXXX XXXX credit card account. I did not apply for this credit card account. Please note, I submitted a claim for XXXX XXXX XXXX  on XX/XX/XXXX for a very similar issue for a XXXX  credit card account. That Complaint Number is  XXXX-XXXX. Please see the attached scan ( XXXX XXXX - XXXX XXXX   XXXX XXXX ) of the letter I received today for the XXXX XXXX credit card account. This account number is different than the application for the XXXX  card account.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Allied Union Group Inc (GA)

In XX/XX/year>, I financed a vehicle through Central Auto Sales. Due to unforeseen financial hardship, I reached out to the company multiple times to request assistance with setting up a payment plan or to discuss alternative options to avoid repossession. I specifically asked for information regarding grace periods, late payment policies, and any available hardship programs, but the company did not provide a clear response or offer assistance. Despite my attempts to resolve the issue and communicate my situation, the vehicle was repossessed without proper notice or the opportunity to explore options that would have allowed me to keep the car. I believe the company failed to provide the necessary support or information to help me manage my payments, which has now left me without a vehicle and in a more difficult financial situation. I am seeking assistance in rectifying this situation.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The information on my credit report in regards to my Bankruptcy is inaccurate. I had a conversion from a Ch.XXXX to a Ch.XXXX. The date of the completion of that conversion is inaccurate. That date is XX/XX/2018 and should rightfully include any debtors listed on my credit report before that date of XX/XX/2018.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

For nearly 3 years Experian has been unable to provide my credit report. They told me they lost it. Its as if I dont exist to them. I need this resolved once and for all so that I can purchase a vehicle.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, 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. (UT)

I was notified that my data was breached with experian and was offered a year of free credit monitoring to help me protect my personal information. In XXXX of XXXX, I was notified by Experian that I was being given another free year of monitoring due to the breach but that I needed to renew through an online sign up. I signed up online and was required to provide credit card information to complete the registration. I did not select any paid service but began seeing a {$19.00} charge on my next monthly credit card statement. I cancelled this service, which in and of itself was very challenging and beyond what I would say a reasonable person would expect to go through to cancel and received a cancellation email on XX/XX/XXXX. I continued seeing charges each and every month after that. I signed onto the Experian website today after seeing two charges for {$19.00}, one on XX/XX/XXXX and another on XX/XX/XXXX, both in year current. Again, I navigated my way through an impossibly vague process of cancelling my membership and received another confirmation email dated today, XX/XX/XXXX. I contacted Experian by phone to confirm it was cancelled but the number they provided said they will only take cancellation requests online. I chatted a representative to confirm my paid membership was cancelled and he/she said it was but not until XX/XX/XXXX. I asked the chat agent to refund me the 3x charges that were made to my account and he/she said they can not due to their policies. I asked why I was being charged in XXXX, XXXX, & XXXX when I have an email confirming I cancelled in XXXX of XXXX, the agent would not answer my question and just said they don't do refunds. I informed the agent that what they are doing is engaging in an unfair deceptive act or practice that makes cancelling unreasonably difficult if not impossible when paid membership fees just begin billing for no reason. I told them I would be reporting their unfair deceptive act or practice to the CFPB and asked that the agent also forward it to their internal complaint department.
Consumer complaint received 2020-09-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX incorrectly reporting 12 XXXX XXXX on my credit report with approximately {$3500.00} in collection without proper verification in Accordance with FTC guidelines. No proof of having an account with 12 XXXX XXXX. 

Secondly, had a {$300.00} prepaid card with XXXX XXXX XXXX prepaid credit card that closed over 5 years ago. No proof of statement with proper reconciliation in good faith to verify information with support billing statements. 

Rather, received a frivolous comment from credit reporting agency that could not be supported neither verify.
Consumer complaint received 2018-12-26
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: SUN LOAN COMPANY INC. (TX)

On XXXX XXXX at XXXX I got an email from XXXX XXXX and XXXX XXXX. Both with the subject : ' A change to your Credit Report '. This alarmed me since I am trying to purchase a home and I am trying not to make any changes to my credit so it wont affect my score. This hard inquire was from Sun Loan XXXX. I had gotten a loan with them on XXXX and finished paying it on XX/XX/XXXX, that account was closed. I had my mother call different loan companies to get information ( closing times, average payment for certain amount, etc. ) Sun Loan Company was one of the companies my mother had called at XXXX during this call she emphasized the fact of how I didn't want my credit score to be run. They ran my credit with no authorization at XXXX, then called my mother at XXXX XXXX  telling her that they had run my credit and I qualified for the loan and that they had all the documents ready for me to just go sign. I was very upset and called the company to ask why they had run my credit with out my authorization. His response was that my mother had stated that the loan was urgent and I needed it and how he already had the paperwork ready for me. I mentioned how neither me nor my mother gave permission for this gentleman to run my credit but he kept repeating the same thing over and over again.
Consumer complaint received 2019-06-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc. (KY)

On XX/XX/19 at XXXX they called and it was automated. I have never received any written notice from this company. I also have never had contact with them before this so I did not give them my phone number or permission to contact me via phone.
Consumer complaint received 2018-12-27
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. (FL)

I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the XXXX  XXXX XXXX account of my credit report.
Consumer complaint received 2023-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

XX/XX/2022 Dear XXXX XXXX I am writing to request the removal of a late payment from my credit report in regards to XXXX XXXX XXXX. I understand that a late payment can have a negative impact on my credit score, and I am eager to improve my creditworthiness. I am a XXXX veteran and run a charitable 501c3 organization XXXX I am asking that credit one remove the late payments and I am attaching actual screenshots from my bank account which demonstrates that the payment was indeed not late.

I have made multiple attempts to rectify this late payment, but it remains on my credit report despite my efforts. I am now reaching out to Department of Veteran Affairs for legal assistance in this manner.

I have been a responsible borrower many years and have always made timely payments on all my other credit accounts. I believe that removing this late payment from my credit report will better reflect my creditworthiness and demonstrate my commitment to financial responsibility.

I again, respectfully request that you remove this late payment from my credit report. I understand that this is not an easy process and may require additional documentation from me. Please let me know what steps I need to take to make this happen. I can provide more documentation in addition the documents I am currently providing with this letter.

Thank you for your time and consideration. I look forward to resolving this matter and improving my credit score. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

I am a XXXX XXXX XXXX XXXX. I noticed multiple unauthorized transactions on my Wells Fargo checking account. There was multiple transactions from the dates of XXXX. Totaling over {$8700.00}, once realizing these transactions, i immediately called Wells Fargo and reported them that I did not make these transactions. I also followed their instructions on the website stating to try and resolve with the merchant. I contacted the two merchants that these charges were made. I also went to my local police department and made a police report that my checking account and funds were stolen, I told Wells Fargo this. Wells Fargo said they would investigate my dispute and let me know if they needed any information. The funds that were stolen from me were from retirement annuity that I just deposited into Wells Fargo. This is all the money I have. Wells Fargo declined my dispute saying that these transactions were authorized. I am a senior citizen, I do not know how to complete or use XXXX XXXX or XXXX XXXX. If they truly investigated they would see that these transactions were not authorized or made by me. I have offered to provide all information that I have. My communications with the merchants, police report and even offered to send them my mobile device or analysis. I need my money back, this is my hard earned money, They also are in the process of closing my account due to this problem. Please help
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (IA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.