davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
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. (NC)

I previously sent 4 dispute letters over the past 5 months to all three credit bureaus which are XXXX, Experian and XXXX, asking them to show me a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they used to verify that the account belonged to me. The bureaus responded every time, saying that they verified that this XXXX  XXXX XXXX account belongs to me, but the only sent me copies with my signature on it. So I contacted XXXX  XXXX XXXX, to ask them if they can locate a charged off account with my name and account number, in their response they told me that they couldn't locate the account # XXXX associated with my name in their system.
Consumer complaint received 2020-05-15
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX  XXXX {$1400.00} XXXX   XXXX XXXX {$200.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX {$980.00}
Consumer complaint received 2020-05-15
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX  XXXX {$1400.00} XXXX   XXXX XXXX {$200.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX {$980.00}
Consumer complaint received 2020-05-15
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-15
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-05-15
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. (AR)

I was trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there were things on my credit I have never see. These items need to be removed as soon as possible. XXXX XXXX   XXXX {$79.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$59.00}
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALCHRO INC. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 
The debt validations were sent on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX
Consumer complaint received 2018-04-15
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: Conn's, Inc. (NY)

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Conn Credit Corp XX/XX/XXXX
Consumer complaint received 2017-11-17
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: Dealer Funding, LLC (IL)

I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of XXXX and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. XXXX still came back claiming they had a contract signed by me for Dealer Funding LLC. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.
Consumer complaint received 2020-05-15
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. (AR)

I was trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there were things on my credit I have never see. These items need to be removed as soon as possible. XXXX XXXX   XXXX {$79.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$59.00}
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

How dare my bank has a horrible way of processing disputes and fraud claims they clearly dont want to do their jobs and investigate and get me my money back today I received a letter from them they gave me a provisional credit they want to reverse the credit and close my claim saying they want me to contact the merchant unbelievable what type of bank is this that doesnt handle fraud seriously they dont care about my money shameful they make the customer do the work for them Im very upset with them they lie and says zero fraud liability but when you call to report it they file a dispute and then always reverse their credit and charge me the customer so I have to pay go fraud charged because they refuse to investigate
Consumer complaint received 2017-10-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (WI)

I have had so many issues with Wells Fargo private student loans. I have been making payments and even paid well over my monthly amount to take care of the outstanding late payments. Every single month the amount has consistently been increasing and not decreasing despite my attempts to pay it off and work with the company. They harasse me none stop. I was asked to provide a break down of all payments made along with any fees assessed so that I could take a look at where this is all coming from and I have yet to receive that information. I know for a fact that I called and set up payment and not only was the payment not taken out I was given a late fee and hit on my credit report. This is ridiculous. How long is the Finacial governing agency going to let banks get away with this type of robbery? This has caused me physical and emotional distress. I think any student that took out private student loans should be able to convert them into federal student loans. Wells Fargo continues to rob the people who choose to given them their business. The CEO is a cockroach and when you find one in the kitchen there are many many many more. I urge you to help students who went to school to make there lives better, remedy what is happening. This is exactly what happened with the housing crisis except with student loans. We need relief from this the same way people were able to get realif from the  housing crash. Im sick of being constantly robbed and loving pay check to pay check trying to pay amounts that arent justified.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated mt 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-05-15
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. (NJ)

The below accounts are keeping me from refinancing my home, and many other things I am trying to do, these accounts do not belong to me and I have tried very hard to get these companies to fix this on my report because it is not mine, but they haven't removed this inaccurate information as of yet. 

XXXX XXXX Opened XX/XX/XXXX {$680.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$670.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$580.00} Account # XXXX UNSECURED XXXX   XXXX Opened XX/XX/XXXX Balance {$500.00} Account # XXXX XXXX COLLECTION AGEN Opened XX/XX/XXXX Balance {$380.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX UNSECURED COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX BCOLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} XXXX Account # XXXX TBOM/MILSTNE Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} Account # XXXX
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (PA)

I was incarcerated in XXXX when this account when was opened by the thief that broke into my home on XX/XX/XXXX. I was released on XX/XX/XXXX. {$2800.00} was used of money that I had no knowledge of until I was released.I reported this as soon as I figured it out and was told that due to their inability to recoup the money from the banks they couldn't return the money to me. I did not open this account. I did no t authorize anyone else to either. I advised them I was a victim of identity theft and was told that was a bigger issue than a dispute and that I needed to get legal assistance. None of this should apply to me because the account was fraudulently opened and used without my knowledge. I was also told that because the phone number on the account matched the number the account was opened with that there was no error. This was untrue however because when I was able to finally get to speak with someone in the fraud department I advised them that the number was not mine and she changed it.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I had an account with XXXX? XXXX. The first year I used the account and paid accordingly with no issues. I fell behind and spoke with one of their account retention reps and they agreed that if I paid the next 3 installments on time they would erase the late payments reporting on my credit. In addition to this they agreed to remove the late charges and penalties from the acct, the account representative told me that I would receive a copy of the agreement in the mail, but never did. Once I complied with my end of the deal, XXXX refused and denied that they made this agreement with me. 

We had an agreement to delete the penalties and fees which were extreme and they did not hold up their end of the bargin. At that point i stopped paying the bill and they sold the account to a collection agency, and the bill itself was wrong. 

Once I made contact with the collection agency, they removed the derogatory collection from all three bureaus and shortly thereafter, XXXX reinserted the information!!! 

And now my credit has taken a dive!
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (VT)

a Few years ago my car was broken into and my wallet was stole which had all my information like SSN etc. a few months after that I was getting calls and letter and bills in the mails from A few chains store saying I owed them money and stuff, I told them it wasnt me and I never order or bought anything from them inside the store or online they sent me a ID theft paper work I filled it out but nothing was ever dont because all the unpaid amounts went into collection and I told the companies it wasnt me. They didnt believe me and have not tried to fix me problem but I have tried to apply for my first home loan and I got denied because of my ID theft amounts that is still on there.
Consumer complaint received 2020-05-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (TX)

The company is Word Remit, an international remittance company, and on XX/XX/2020 about XXXX XXXX I received two ( 2 ) emails from this company informing me that my two ( 2 ) transactions for {$900.00} each were both completed, meaning the monies that i sent to the XXXX, and immediately i responded to WorldRemit that I did not authorize both the transactions. My bank where the monies were taken is XXXX XXXX XXXX, I also reported and complained immediately to XXXX XXXX XXXX  that both transactions were fraudulently made. Word Remit and its partners in the XXXX should follow strict guidelines in disbursing funds to the recipient to avoid fraud and scam. 

XXXX XXXX XXXX is still investigating my complaint. And World Remit is passing the fault on me. 

I want my funds to be returned back, a total of {$1800.00}.
Consumer complaint received 2020-05-15
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc. (VA)

we have been trying for the past 10 years to get a loan modification we have contacted so many people including you now our loan is with seterus where it has been for the past two years we have been working with a hud certified counseling center first home alliance and our worker is XXXX XXXX XXXX she has been working with us for the past 10 years we have been continuing being thrown into foreclosure after months on end of filing out paper work and then being told that person is no longer there and having to start all over we have hired and paid for attorneys and filed for chap XXXX but judge XXXX and XXXX XXXX did n't believe us and threw us out of bankruptcy court not allowing us the protection we need and more important the payment history corrected and made public to us we have never received a payment history to date and we purchased the house in XXXX. our house is being put on the the foreclosure block this Friday we just found out again with little or not notice like usual there is no legal reason why we should n't be allowed to have a loan mod my partner makes {$100000.00} a year the mortgage company and XXXX XXXX refuse to work with us and the worst thing is our loan mod was based on an amount owed of {$380000.00} and they are selling the house Friday for XXXX how does this happen and why is it oaky. I will continue to fight even if the house is sold, seterus blocked XXXX XXXX from accepting our cash payments and we paid cash payments for two years that we have never received credit for and XXXX XXXX has copies of those payments but not on our mortgage history. they do n't care.
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all per
sons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CHOICE RECOVERY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2020-05-15
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. (CA)

Last month my credit dropped nearly 146 points after XXXX incorrectly reported a damaging 120 days despite the two months before and after being paid as agreed. This is for a loan that was never used send money that was never taken for school. XXXX and TransUnion consumer reports disconnected information isn't it possible for me to bring residence finance I do anything else that could be available to me. Despite the fact that there's a pandemic and it goes fire and after were forgiven by the federal government 's XXXX continue to show 120 days late from growing