davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

As a result of a previous complaint in XX/XX/XXXX ; Experian removed a Credit Account with XXXX XXXX as well as the Inquiry from XXXX XXXX from my credit report and stated on the report that I have no open accounts. The account has been open since XX/XX/XXXX. Also with XXXX XXXX XXXX it is documented in the report of my current address ; " Notice : This address has affiliated with a business address ; commercial address. '' Also they have it documented on the report that I am " unscorable '' so I have no FICO Score.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 a account without my written instructions.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I Received an e-mail stating my credit limit on my card was lowered. I checked my online account and found no information. I called the card company and was told my payment was long overdue. I was told my statements were now electronic which I never intentionally authorized. I had paid off my card in the fall after a vacation. I decided since I had a lot of reward points to go online to redeem the points. While online, a window popped up asking me to update my personal information. I went to the area and checked my info. I had not thought about the card again until i received the e-mail. By trying to help the company I was tricked into signing up for electronic statements is my guess. I had the credit card company fax me statements I had missed. XX/XX/XXXXXXXX ; I owed XXXX. XX/XX/XXXX ; XXXX was added as late charge. XX/XX/XXXX ; XXXX late charge and interest was added. All charges have been paid. 3 days after receiving the e-mail I got a letter advising me my credit limit was lowered and they had contacted an agency which had lowered my credit score. After being in business for 34 years my credit has been lowered on a fraudulent trick. No notice of the change or being overdue was ever mailed to me.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute a collection item that appears on my credit report from XXXX XXXX XXXX XXXX. I have reviewed the details of this item and found several discrepancies that need to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The discrepancies are as follows : Account Number Discrepancy : The account number listed on TransUnion is XXXX, while on XXXX it is XXXX. This inconsistency may indicate a reporting error. 

Original Lender Name Discrepancy : The original lender 's name is listed as XXXX XXXX XXXX XXXX XXXX TransUnion and XXXX XXXX XXXX on XXXX. 

Collection Agency Name Discrepancy : The agency name is listed as XXXX XXXX on TransUnion and XXXX XXXX XXXX on XXXX. 

Absence of Information on XXXX : There is a considerable amount of information missing on XXXX, including account number, original lender, agency name, and balances. 

Current Balance Discrepancy : The current balance is only reported on XXXX as {$12000.00} and not on TransUnion or XXXX. 

Different Status Listings : The status listed on TransUnion is Unrated or bankruptcy while on XXXX it is Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department. 

I am requesting that you conduct a thorough investigation into these discrepancies and correct or remove the inaccurate information from my credit report. 

I look forward to your prompt attention to this matter. Please update me on the status of this dispute within 30 days as required by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In Accordance with the fair credi reporting ACT has violented my rights. 

Account 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 15 U.S.C 1681 section 602A State : I HAve the rights to Privacy. 
15 U.S.C 1681 section 604A section 2 : Its also state a consumer reporting Agency can not furnish a account without my written Instructions.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2023-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OH)

I called on roughly XX/XX/23. Don't have exact date. Regarding a {$6.00} fee. Customer service agent said he would refund fee, and after refund cleared he would close the account at my request. 

Later, on XX/XX/23, I see the {$6.00} was refunded, but account was not subsequently closed. Another {$6.00} fee posted. I called customer support. They stated they were unable to verify my account and unable to close the account. Hence I am contacting you. 

I am not paying an unwarranted {$6.00} fee. Close my account immediately.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MD)

On XX/XX/2023 Southwest Credit system flagged my credit report as a collection and it has decreased my credit score by XXXX points. I have never received anything by mail or phone call owing any type of debt to Southwest Credit System. I asked that they please verify this debt owed.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

I applied for a credit card with USAA as a company that offers XXXX banking and credit services. At the time of application, I had and continue to have fraud alerts on all XXXX credit repositories, as opposed to USAA contacting me to verify it was me that submitted the application as XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX all did, USAA has me in their data base of having a credit risk problem with them before dispute never having and account or verifying that it was me that submitted the application for a visa credit card ( which I did ) per ECOA, FCRA. I currently have XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX active credit cards with fico scores over 700. USAA is preventing me, a veteran from accessing services they earmark specifically for Veterans by saying they've had a consumer problem with me before solely based on USAA not doing the phone verification on the submission I maid applying for a USAA visa credit card. Because USAA has my profile listed as such, they won't even give me commercial insurance quotes for my business.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I filed bankruptcy in XXXX, all of my debts were XXXX with that bankruptcy. I have not used my name, or ssn to obtain credit since that time. I've recently been exploring buying a home, and needed to check my credit to see what my current status was, and discover all of these charged off accounts, that were created after my bankruptcy. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XXXX XXXX Charge Off Amount {$18000.00} XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Original Creditor Name 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 2023-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (CA)

On XX/XX/XXXX, I received eight alerts from different sources informing me that there had been a change to my credit report. I logged in to find that there was an erroneous collection account from Ability Recovery Service for an alleged ambulance service with XXXX XXXX XXXX dating back to XX/XX/2019. I contacted the collection company and they would not provide me with any information as to where I was supposedly picked up from or where I was supposedly transported to. I spoke with an attorney and as was advised that this information is not a violation of HIPAA even though the collection agency said that it was. I called the ambulance company directly and they said that they dont have records dating that far back. This negative information has been placed on my credit in the amount of {$1000.00}, and I have never received a bill from either company or a phone call from either company and I find this extremely suspicious and want this information investigated immediately. I spoke with a supervisor at the collection agency and when I mentioned that I would be involving an attorney, he became very defensive and said that he was going to end the conversation.
Consumer complaint received 2023-09-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo repossessed a vehicle without notice and refuse to let us pay the amount overdue in full in order to re-obtain the vehicle right after repossession that being said, during the repossession, there were many items stolen from the vehicle that we never got back, and Wells Fargo never offered any kind of compensation, nor did they allow it to even fade them back to no pity or remorse from the company at all, was XXXX over the phone that day from them at least. These items were all stolen from the vehicle. 
A XXXX XXXX, a XXXXXXXX XXXX a brand new XXXX XXXX XXXX XXXXXXXX, a pair of XXXX XXXX XXXX XXXX XXXX XXXX, a purse with my identification, my debit cards, credit cards, all of my important information, Social Security number ID and everything stolen from the vehicle. Not even the purse remained multiple tools a large iPod and a XXXX mini XXXX cellular and wifi with XXXX storage. 

All I'm saying is look, there's no way I could even figure out who was the one that was picked up the vehicle. The tow truck driving company wouldn't even allow us to give us the name of the all of the people that picked up the vehicle at XXXX, they just allow us to take the stuff that was left in the vehicle after it had been ransacked Wells Fargo did authorize them to take the vehicle. Wells Fargo is the XXXX who hired them and Wells Fargo is the XXXX who should be liable for anything that their subsidiary company or third-party XXXX did. The same day it was repossessed and we were able to go down and pick up our possessions. The second that we noticed all the things were missing. We immediately called Wells Fargo and told them about it. They should have records of that and all the stolen stuff from the vehicle, and, we have ever heard anything back about our items nor any kind of compensation for those items stolen.
Consumer complaint received 2023-09-29
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I got into a XXXX XXXX accident resulting in losing my car on XX/XX/XXXX. After recovery, I and my roommate sat down & agreed that it was best for me to move back to NC to get back on my feet. We agreed & signed a roommate release form, and turned it in to the office on XX/XX/XXXX, ( luckily, she already had a new occupant in mind ). I left the apartment XXXX XXXX. The new tenant was initially supposed to move in around XXXX but got pushed to XXXX XXXX... I have proof of my ex-roommate stating that she has paid the rent for those XXXX months while waiting for her new roommate. I then started receiving eviction notice emails stating that the rent was not paid ( first received on XX/XX/XXXX ). I questioned her about it & she told me ( XX/XX/XXXX ) to disregard it because she would pay the rent and additional to get it removed. However, that did not happen, and when I received another eviction email on XX/XX/XXXX, questioned her about it, she then revealed to me that she did have to " deal with this '' /stay at the complex and that she doesn't care about paying the evictions because she applied to the apartment complex with a fictitious social security number to get it approved so that she wouldn't get penalized for not paying the rent. I alerted the leasing office about this matter and requested feedback on what they would do but I have not received any communications from the company about what was done with the lease. I was told by my lawyer ( XXXX XXXX ) that if the lease had included her name & she had used a fictitious social security number the lease would not be accurate in itself along with disputing the collection.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion advertised credit reports for {$1.00} and it was not clearly disclosed that this was in fact a service that would begin charging me {$19.00} a month after 7 days. This was only written in fine print and could not be seen unless you scroll down on the page. At no point was there a clear and obvious disclosure of the service I was apparently signing up for. I am not alone in being deceived by these practices. TransUnion was already fined in 2017 for the exact same thing and yet they continue these deceptive practices. This is a scam. I was unknowingly charged for 4 months of their " service ''. They never once notified me of the transition from their " trial '' period.
Consumer complaint received 2023-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IA)

Company to contact. 
Coinbase.com XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX  XXXX Starting in XX/XX/XXXX through XX/XX/XXXX, I was involved in a cryptocurrency trading scam. I met a person via XXXX dating site. I was asked to " invest '' using a fraudulent copy of XXXX XXXXXXXX XXXX. ( see below ) Wire transfer to Coinbase XX/XX/XXXX- {$100000.00} Within Coinbase.com, money was converted to crypto and transferred to the fake websites XXXX XXXX XXXX XXXX  ). These websites are identical and appear to be owned by a XXXX company XXXX XXXX XXXX. Once the Crypto was loaded to these websites, I was instructed to make trades which appeared to be very profitable. I started with small amounts and even withdrew ~ {$10000.00} initially to ensure my money was safe. As the transactions got higher, the profits got higher until I finally decided to withdraw at least my investment plus the amount need to cover income taxes- it was that large withdrawal that was not completed, and my account was subsequently frozen. the only contact email I have with the person I was working with is an email address, XXXX details of the transactions between the website/exchanges are in the attached documents.
Consumer complaint received 2021-02-12
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 was removed as authorized user on this account years ago, but it is still reporting on my credit and when I call the bank, they can't give me any information on why it's still reporting on my credit, even after I was removed.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX I leased a XXXX for 36 month term which ended XXXX. I bought the same vehicle on XXXX. Paid all my dues including the buyout amount on time XXXX I got a statement to pay {$480.00} for Personal Property Tax CITY OF XXXX . I paid that on time as well and the account was XXXX. 
All my credit bureau reports show the XXXX account as CLOSED on XXXX and in good standing so far *XXXX, Seven months after account closure, I got a statement from XXXX to pay {$560.00} for Personal Property Tax CITY OF XXXX XXXX Being the second property tax in same year, I gave a call to XXXX XXXX XXXX help desk. The support person was not able to clarify which year this payment is being asked for. He incorrectly stated that this payment is for XXXX and the one before in XXXX was for XXXX. I didnt reside in XXXX in XXXX, hence there should not be any tax so I requested them to check the records if there has been duplicate payments and also send me the copy of tax notice *Support person stated that they will send the tax notice via physical mail within 7 days. The mail didnt arrive. 

XXXX I got a Robo call from XXXX . I gave a call back to XXXX XXXX XXXX and explained the whole situation to a different support person. Support person stated that they will send tax notice via regular mail *XX/XX/XXXX I also opened an online Case/question on XXXX XXXX website. XXXX Case # XXXX. Please find attached the Case details, content and all online tracking information *XX/XX/XXXX I received the tax notice and clarification to my original question. Tax payments were for XX/XX/XXXX & XX/XX/XXXX *XX/XX/XXXX I paid the full amount {$560.00} *XX/XX/XXXX XXXX reported to all credit bureaus that my account is Delinquent. My credit score got adversely impacted *XX/XX/XXXX- Present : I requested all credit bureaus to check on this but they are not able to help. XXXX recently made my 36 month term to 48 month term on XXXX and account as delinquent with 30 day late *I have never paid XXXX XXXX late nor made late payments on any other loans or credit cards in past. I just asked a question and paid the full amount as soon as it was clarified. The property did not belong to XXXX in XXXX and they should not have paid tax on my behalf seven months after I made the purchase and charge me on an account which I had closed. 


*Attachment summary & proofs : 1 ) XXXX complete financial transaction history 2 ) Phone company records for the calls I made to XXXX helpdesk 3 ) XXXX online Case correspondence
Consumer complaint received 2021-02-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days I haven't heard anything from the credit bureaus. I did my research and it's against FCRA to have inaccurate information being reported. Also Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Please help me, this is messing with my livelihood.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

Disputed this issue with this CRA and its still on my credit profile. Reference numbers XXXX, XXXX, and XXXX. I believe this credit reporting agency did not legally obtain this information to add these derogatory marks. This is not my accurate information.