davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' DEPT OF EDUCATION/XXXX  Balance details 11 % paid off Balance {$860.00} Balance updated XXXX XXXX, XXXX Original balance {$980.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XXXX XXXX Original balance $ XXXX  Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 180 Months Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report, which persists despite my repeated efforts to resolve it. The presence of these unauthorized items has had a profound negative impact on my life, causing considerable distress and XXXX. I must emphasize that, as a victim of identity theft, I never authorized or consented to the association of this information with my name. 

Be advised that I am in the process of initiating legal proceedings regarding the fraudulent and inaccurate items currently appearing on my consumer reports. I formally demand that you take immediate action to update, delete, and block these items from my report.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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/XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
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. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year> but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (NV)

XX/XX/2017 Called Wells Fargo credit card company spoke to XXXX, I asked about the interest I was being charged on my account he told me the % amount. I asked for the dollar amount, he did not answer. I told him I want to close my account, he stated well I guess you do not want your XXXX rewards points, I said yes I do, how can I apply that to my account pay off. He stated " to late I already closed your account ''. I asked to speak to supervisor, I started cursing and XXXX said your account is closed and hung up. I called back, I spoke to XXXX ; customer care services, I asked him about my rewards points being applied to my account. XXXX said it takes 2 to 3 days to process the last payment I made and close the account, he ask me why I was closing my account. I told him, the several times I called in XX/XX/XXXX, to ask the amount I need to pay to not pay interest, I was told a different amount each time, which I paid and not told what amount of interest I was being charged.Then he said that my account was already closed, 2 days ago and no way of knowing how many reward points I had. I told him XXXX rewards points, I told him I did not call their company 2 days ago,. XXXX stated that he did not know why the closing of my account was back dated to 2 days ago. I said a cuss word, XXXX said he would have to hang up if the obsinities continue, I told him I did not close my account 2 days ago. XXXX said he was not able to do anything, and hung up.
Consumer complaint received 2017-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aldous & Associates, PLLC (CA)

I signed up for a membership of XXXX/month at crunch fitness gym. They stated it was a month-to-month basis. It is also advertised as month-to-month. I stopped going to the gym. I called to cancel my membership. They told me I had to go in person, so I went in person to cancel my membership in XXXX 2015. A year has passed and I never received any notice, notifiying me that I have any further financial obligations with their company. Since then they have hired the services of a debt collector to collect on my account. That firm known as Aldous & Associate 's levied my account. They took money without my consent. First of all I never owed them any money. Second of all, if I had, why was n't I notified? I was never contacted by phone nor email. They are claiming that I owe {$110.00}. I would like to know why if they stated their membership is XXXX/month. No contracts.
Consumer complaint received 2017-04-07
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Creditors Bureau Associates (GA)

OM MULTIPLE OCCASIONS I WAS CONTACTED BY CBA IN REGARDS TO DEBT COLLECTION. I RECENTLY PAID OFF SEVERAL ACCOUNTS I HAD LISTED WITH THIS CREDITOR AND NEVER HAD A PROBLEM WITH CUSTOMER SERVICE UNTIL XXXX OF THIS YEAR. THE YOUNG LADY THAT GOT ASSIGNED TO MY ACCOUNTS WAS VERY RUDE TO ME EVERY TIME SHE CALLED MY CELL PHONE. i EXPLAINED THE PRONUNCIATION OF MY LAST NAME AT LEAST 3 TIMES IN ONE CALL AND THE YOUNG LADY CONTINUED TO PRONOUNCE MY NAME WRONG EVERT TIME SHE SAID IT AS IF SHE WAS MOCKING ME FOR CORRECTING HER PRONUNCIATION. THE YOUNG LADY CALLED ME A XXXX BEFORE HANGING UP IN MY FACE. I THEN CALLED BACK TO THE CREDITOR AND ASKED TO SPEAK TO HER MANAGER AND HAD TO WAIT ON HOLD 30 MINUTES FOR THEM TO TELL ME THAT SHE WOULD GIVE ME A CALL BACK LATER THAT SHE WAS BUSY. LATER THAT DAY THE MANAGER RETURNED MY CALL AND WAS INITIALLY RUDE TO ME ON THE CALL AS WELL. WHEN I EXPLAINED THE SITUATION TO HER ABOUT THE LANGUAGE USED AND THE TERRIBLE CUSTOMER SERVICE USED DURING THE PRIOR CALL WITH HER ASSOCIATE SHE BEGAN TO CALM DOWN SOMEWHAT AND LISTEN TO WHAT I HAD TO SAY. I EXPLAINED TO THE MANAGER THAT I WAS PREPARED TO MAKE A PAYMENT ON ONE OF MY ACCOUNTS AND SHE TOOK THE PAYMENT AND ALL WAS WELL AND SHE APOLOGIZED FOR HER ASSOCIATED BEHAVIOR. I ASKED IF MY ACCOUNTS COULD BE MOVED TO A DIFFERENT ASSOCIATE AND THE MANAGER INFORMED ME THAT SHE COULDNT DO THAT. MY ACCOUNTS HAD TO REMAIN WITH THIS RUDE LADY. SO, A FEW DAYS LATER THE ASSOCIATE OVER MY ACCOUNTS CALLS MY CELL PHONE AGAIN AND PURPOSELY MISPRONOUNCES MY LAST NAME WITH A CHUCKLE BEHIND IT AS IF SHE WAS MOCKING ME AND MY LAST NAME YET AGAIN. I STILL HAVE ACCOUNTS WITH THIS CREDITOR AND WANT TO RESOLVE THEM BUT I CANT EVEN GET THROUGH A PHONE CALL WITH THIS PERSON WITHOUT BEING MOCKED AND MY LAST NAME BEING MADE FUN OF. ALSO AFTER MY PHONE CONFRONTATION WITH THIS LADY DAYS LATER THERE WERE NEW ACCOUNTS POSTED TO MY CREDIT REPORT THAT HAD PREVIOUSLY BEEN CLOSED AND THEY WERE RE-REPORTED UNDER DIFFERENT DATES AND XXXX OF THE ACCOUNTS WERE DUPLICATED TWICE.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I have sent numerous letters to your office about my situation as an identity theft victim, but my concerns remain unresolved. I am once again contesting the fraudulent information damaging my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2017-02-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

It became necessary for me to accept a loan modification agreement to ease the financial burden placed upon me. 
I asked for the complete documentation so I could look over the details. I was told by One Main Financial representative that no other documents existed and that it would remove the late payment history from my credit report. 
I was also told that there would be no extra charges for doing this. I continued to ask for paperwork which I was told did n't exist. I was told that I only needed to worry about the one piece of paper, which only included new interest rate, length of new terms, and total to be paid back. 
Now on my last statement is a remark of an extra charge of almost XXXX that will be added at the ending date of the loan. None of this was divulged to me before signing the agreement. Now they say they are going to mail me the full agreement. It seems to have magically appeared with the company but I have never seen it. 
The representative that did the loan modification does not work there any longer and all I have gotten as an answer is " we are sorry and you will see when we mail you the documents. '' Also the original loan is still showing on my credit report as late. I was told by their representative that this modification would bring my account to current status and my credit report would reflect this. 
So far this is not true. I have been lied to, pressured into signing the loan modification agreement before they revealed all details of the agreement. And now they want to reveal documentation that I knew existed but was told by many reps of the company several times before and after signing that did n't exist. I was rushed and pressured into this agreement and assured the whole agreement was on 1 piece of paper. Just sign, and return with a check. I did what they asked but they never divulged the full agreement. Only a cover page with basic terms ... ..nothing said about add-ons at a later date or ever. Now they say they have both agreements and will send them out to me and they are sorry that this has happened. This apology does not excuse their practices, nor does terminating a representative or having a representative quit. It was the rush, pressure, and misinformation from this representative that the company is responsible for. 
How would you feel if you bought a new car and found out on your 5th payment you were going to be charged extra for the tires that were on it????
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-01-05
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Manhattan Beach Venture, LLC (MO)

A company by the name of student loan relief department informed me that I would be able to get a $ XXXXmonth student loan relief plan if I paid them about {$2000.00} for their services for filing the annual paperwork ( broken up into {$35.00} payments over four years ). I was referred to this company by my little sister and her spouse who have also enlisted this company 's service. After contacting my federal student loan company, I was made aware that is program is a scam and does not forgive my student loans. The fraudulent company has my social security number, applied for loan forbearance on my behalf and even provided me with a fafsa pin and username. I have since changed my fafsa pin and username, am currently monitoring my credit and will be cancelling my bank account that I have given the company to withdraw monthly payments from. When contacting their customer service to try to cancel services with them, I either get hung up on or I am on an indefinite hold. Even when contacting the original representative that I spoke with to set this agreement up, conveniently his phone goes straight to voicemail and his mailbox can not accept any new voicemails. After speaking with my loan provider, I found out the service that this company provides is available for free and has to go through the loan provided to be valid.
Consumer complaint received 2017-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITYWIDE HOME LOANS A UTAH CORPORATION (CO)

Citywide Home Loans is giving box seats at he XXXX XXXX to realtors as a gift for referrals. This is a violation of RESPA and not fair to the rest of us who are playing by the rules.