davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (GA)

Deceased old owner of wellsfargo and company, and XXXX XXXX XXXX  .owner of both businesses, old owner of these two huge businesses is XXXX XXXX . XXXX XXXX XXXX, aka XXXX XXXX  and XXXX XXXX XXXX, has made me beneficiary or spendthrift too his ownership of these businesses and his businesses account. His personal manager and public management, or trustee or trust attorney or trust deed agent of the business administration ether is not going too give me a copy of his last will testament, or operational agreement too the  businesses, they are make me lose my property buy not give me financial report too what i own. They are abandoning my property, by abuse it and not pay taxes .they are refuse too give me all legal papers i need too proceed as the new owner of XXXX XXXX XXXX . I need fo wellsfargo too give me deceased owner of said businesses name in this text, all the contact information such as trust attorney and and agent, and trustee, all they information, and a copy of testimony will or a deed of trust blind trust. I need a copy of all of this so i can no what i can do and not. And also XXXX  too what yall all doing with my money. .trust address on file..XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXX  ga XXXX, XXXX XXXX XXXX XXXX  ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX . I dont no what on this address XXXX XXXX XXXX XXXX XXXX  ga XXXX .so yall a have too ckeck all this stuff and give me a understand on it in write. The trust spill out release dates of the age XXXX and XXXX and XXXX., 2 of the ages are gone. And havent seen nothing yet. U see why i need a copy of the paper now.. yall make me lose my property and put me in debt. I mite need too file bankruptcy, XXXX XXXX XXXX XXXX  ga XXXX. All the address and names in this text is own and co own by XXXX XXXX, deceased. Do the trustee or management has my contact information, if yall refuse too give me all of this information a police and will arrest all of yall and sue yall too .fo abuse me as beneficiary and the public, too. XXXX XXXX XXXX XXXX ga XXXX. Please talk too me by email fo a better response. Or call .this is the 3rd complaint.
Consumer complaint received 2020-10-05
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj SSN:XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-10-05
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. (PA)

I requested all three of my credit reports from all three bureaus back in XXXX. Upon receiving and reviewing these reports I found numerous fraudulent accounts had been established in my name in fraud, by someone who used my personal information. I began the dispute process immediately by both contacting the credit bureaus and creditors where the fraud accounts originated from. I wrote each bureau ( XXXX, XXXX, Equifax XXXX very detailed letters and supplied them with proof ( Police Reports, Photo ID, ID Theft Reports ) I asked them to supply me with proof they they had on these debts/fraud accts, etc. 

Proof I asked them for was signed contracts of these accounts, IP addresses, physical mailing addresses, logins, bank accounts associates with these debts0 They have refused to supply me with this information and still reporting these fraudulent accounts because the creditors allegedy verified with them ( baiscally the creditors is paying them to report this fraudulent information )
Consumer complaint received 2020-10-05
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. (PA)

I requested all three of my credit reports from all three bureaus back in XXXX. Upon receiving and reviewing these reports I found numerous fraudulent accounts had been established in my name in fraud, by someone who used my personal information. I began the dispute process immediately by both contacting the credit bureaus and creditors where the fraud accounts originated from. I wrote each bureau ( XXXX, Experian, XXXX  ) very detailed letters and supplied them with proof ( Police Reports, Photo ID, ID Theft Reports ) I asked them to supply me with proof they they had on these debts/fraud accts, etc. 

Proof I asked them for was signed contracts of these accounts, IP addresses, physical mailing addresses, logins, bank accounts associates with these debts0 They have refused to supply me with this information and still reporting these fraudulent accounts because the creditors allegedy verified with them ( baiscally the creditors is paying them to report this fraudulent information )
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE. You have a right to place a " security freeze '' on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application youmake regarding a new loan, credit, mortgage, or any other account involving the extension of credit. A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing  account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. ( page 13 of 14 of online credit report for Transunion ) Issue - Transunion denied access to XXXX regarding credit line increase, contrary to above policy.

Relief Requested - 1. Reword the conditions language to clearly explain soft versus hard inquires ( for soft credit increases - offered by the bank itself- versus credit line increase versus increase requested by the consumer ) and 2. Program the computer to notify the consumer electronically ( email or text, if ok 'd ) of a failed request for information related to an existing account. Waiting for a USPS transmitted letter of denial from a bank is unacceptable in light of the very large amount of mail that gets lost in transit and the time involved. Credit agencies should be required to upgrade to the needs of the 20th century at least, if not the 21 st century. Transunion itself is encouraging people to use its web sites. I understand that some reports from Transunion can be sent to the consumer but not the kind of denial mentioned in relief request 1, above.

3. Cease the use of trick questions without backup. One agent asked ( in an older incident ) did you work in the state of XXXX. I objected that there is no such state. The agent denied access and said she could not offer an alternative question because we didn't answer the first correctly. The second denial was the answer to " what is your second XXXX account. When I pointed out that the second XXXX account had my wife as a Primary, he said that the response was inadequate. It had to be me as a Primary on the account. He also would not offer a second question despite my having answered name, address, SSN at the least. 
Transunion has been a particular problem and you have to pass authorization just to talk to someone.
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section XXXX ( XXXX ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2016-10-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

The bank, Huntington Bank, had given me a wrong bank account number which caused my direct deposit to bounce back and my account to go into the negative. They charged me a total of {$280.00} on an overdraft of {$27.00} dollars that 's an almost 800 % interest rate. This is unfair half my check was gone and it was their fault to begin. 

I was given the run around for a week speaking to several customer service managers ; XXXX, XXXX and a Voicemail that was never answered by a XXXX at least that is what his out going message said his name was but when I called back he was non existent. 

This is unfair and predatory especially since it was their mistake
Consumer complaint received 2020-10-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: C & M Associates Group, Inc. (IL)

Called claiming they were going to sue us over a XXXX year old debt in the amount of XXXX which we do not believe exist. States they will settle for XXXX other wise will go to court and garnish wages and sue us.
Consumer complaint received 2020-10-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (SC)

I gotten a loan with Regional Finance in XX/XX/XXXX. I was making payments on time until I lost my job XXXX due to covid. I was months before I stated receiving unemployment due to my job closing down no one could reach anyone to verify I was laid off. Regional calls my phone day and and day out. I have try to make agreements, I have try to ask could they lower my payments being I'm on a very low income now with unemployment than what I was making on my job. They wont do anything but an deferral which is still causing me to be behind. I have XXXX children ages XXXX, XXXX, and XXXX. I loss my home and my car in a matter of months. The last thing I need is for them to keep calling me adding more stress. I made a payment for XXXX on today XX/XX/XXXX and they call me asking for another payment for XXXX today. I have explain my situation to everyone in that office and at this point I wan na just change my number and don't pay at all. Take me to court or do what you got to do. I have nothing, because they are aggravating and I'm doing the best I can. They act like they understand and they care but they really don't. calling me early in the morning and all day long. XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. They are all getting on my last nerves!!!!!!!!!!
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Simon's Agency, Inc. (NJ)

I have two items sent to collection ( XXXX  ) at the Simons Agency. One for {$20.00}, and the other for {$54.00} for a total of {$74.00}. This debt was taken care of on XX/XX/20. The information has yet to be removed or marked as paid on my credit report. I have contacted Simons and they told me its a problem with XXXX. I contacted XXXX and they said its a problem with Simons Its been over 3 months. I want it off my credit report.
Consumer complaint received 2020-10-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (GA)

I initiated an installment loan online for less than {$3000.00}. They are charging me over 30 % interest and the loan origination fee, I feel is in excess of GA law max rate.i can not find a license for this business to be doing these kinds of loans in Georgia. When I asked this company concerning the interest rate and the license, a representative told me that since they are an online installment loan originator, they are not governed by any state specific loan laws.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have two items sent to collection ( Equifax ) at the XXXX XXXX. One for {$20.00}, and the other for {$54.00} for a total of {$74.00}. This debt was taken care of on XX/XX/20. The information has yet to be removed or marked as paid on my credit report. I have contacted XXXX and they told me its a problem with Equfax. I contacted Equfax and they said its a problem with XXXX Its been over 3 months. I want it off my credit report.
Consumer complaint received 2019-01-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (ID)

I sold my house XX/XX/2018 and paid off all my bills. XXXX  XXXX notified the credit bureaus I paid my mortgage off but credit bureaus say they did not. I had my credit report run & they show as of XX/XX/XXXX I made no more payments which means XXXX  XXXX did report to them. I have spent hours on the phone with all of them. They go through my report and finally say they can not help me because they dont know if Im me or not even though they pulled up my credit report with the information I gave them. I even talked to a supervisor who asked me a bunch of questions I could not answer off the top of my head. Like what I owed to bank, credit cards etc. 
I want to buy a trailer but because of their unprofessional behavior my score is bad when it should be excellent These credit bureaus need to do their jobs and quit lying when they are wrong and ignore the problem.
Consumer complaint received 2019-01-17
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: General Motors Financial Company, Inc. (GA)

GM Financial is refusing to take off incorrect information from my Credit Report.. back in XX/XX/2017 I went to court for a Car Loan that I was being sued for. I had no idea that I was listed as a co buyer for this Loan until I was served with court papers. I went to court and explained to the judge that the information was not mine and I didn't know of this until I was served the signature didn't belong to me. 
I never agreed to be a co buyer for any Vehicle. 
The Judge dismissed the case against me without prejudice.. I submitted disputes with all Three Credit agencies yet XXXX   has refused to remove it from my report, stating that GM Financial said that the information is correct and therefore can not remove it.. I can't understand why this is possible because XXXX and XXXX has already removed the information from my Credit Report.
Consumer complaint received 2019-01-17
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. (FL)

The statute of limitation on debt in Florida has expired for a XXXX 's account being reported by Experian and XXXX, it is violating the Fair Credit Consumer Act that is negatively affecting my livelihood and credit. XXXX 's account has expired and I have attempted to have Experian to remove this account as they did with the company to which XXXX 's sold my account to ; XXXX XXXX XXXX. I am entitled to sue for any and all violations against the Fair Credit Consumer Act.
Consumer complaint received 2023-10-31
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. (CA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) Account # 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.
Consumer complaint received 2023-10-31
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Auto dealership forge my signature with Golden one bank. I tried to dispute the charge off against my name for {$25000.00} but I was denied by the bank, even when supporting documents from the court stating that I was awarded an abstract of judgement for {$43000.00} XXXX XXXX superior court of XXXX XXXX XXXX XXXX which was never satisfied and it is now a tort or dormant judgement. All necessary documents was provided to them and they still denied it. My case still open since 2010 with no movement becaused I can not afford a lawyer and could not get a loan due to credit issues. I tried getting help from FBI and Secretary of State but no help at all. Please let me know if you could help me out. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2015-12-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Corporation of America (GA)

I paid the account with the XXXX XXXX they are collecting for. When I spoke to a lady named XXXX she advised she would send an email stating that the debt had been paid and would be removed from my credit report ( I am buying a home ), when I did not receive the email I spoke to her supervisor, XXXX and he advised he could not remove the debt. I told him that was a lie because she told they could and I have had a previous medical collection with XXXX that was removed once paid. He lied and said that could not be done, even after I know for a fact it can and his collector told me it would as well. I need this removed ASAP for my credit report as promised by the collector named XXXX.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Creditor Contact Details XXXX, TX, XXXX Direct Dispute Account was included in Chapter # XXXX Bankruptcy XXXX XXXX, 2015, Account should Reflect closed.
Consumer complaint received 2023-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm trying to buy house and i came out of XXXX and collections and late payments are affecting my credit report collection company are not being professional according to the 15 USC1681 law there should not be any damages on report is defamation to my character
Consumer complaint received 2023-11-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (MI)

NOW THAT MY HUSBAND AND I ARE IN THE PROCESSES OF FILING A VERY LARGE LAEWSUIT AGAINST XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, AND XXXXXXXX XXXX XXXX FOR BREACH OF CONTRACT THE BANK HAS ACTUALLY STARTED TO CALL MY HOME TO COLLECT DEBTS. I HAVE NO CLUE HOW THERE DEBT COLLECTION OFFCIE GOT THE PERSONAL XXXX NUMBER THAT THEY WERE TOLD EXPLICIUTALLY NEVER TO CALL. 

THEY CALLED MULTIPLE TIMES BEFORE I9 AM ONE CALL WAS MADE AT XXXX. WE WILL BE FILING A SEPERATE LAWSUIT FOR PRIVACY LAWS AND MAKING CALLS OUTSIDE THE LAGAL HOURS AND HARASING MY FAMILY TO PAY A FRAUDLENT LOAN. WE ARE SUEING YOU FOR A FULL REFUND FOR THE LOAN. IF MY HPONE SHOWS ANOTHER CALL FROM YOUR OFFICE OTHER THEN TO RECTIFY THE FRAUD YOU HAVE COMMITED WE WILL BE FILING AN ENTIRLY SPERATE LAWSUIT FOR THOSE LAWS WHICH YOU CONTINUE TO VILOLATE.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The issue is a {$15.00} charge-off I was not notified about from this credit union, and when I was sent a letter it was about my credit card payment. 

XXXX XXXX sent email saying contact her XXXX XXXX XXXX XXXX sent email about my 30 days late credit card XXXX XXXX -I made the payment immediately XX/XX/2023 of XXXX ( Have proof of payment amount sent ) -Letter of delayed payment sent to XXXX XXXX XXXX XXXX, Stating that , that was a mistake in payment XXXX XXXX ( collections manager ) removed the payment -XXXX  XXXX Unexpected Charge-off on credit report, Never notified of this from the credit union, If I was notified, I would have been made payment because I am running a business and need the funding for my business to continue operating.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2023, my father passed away. Prior to his death we shared joint ownership of a savings account and my brother was appointed power of attorney. Less than 1.5 hours after my father died, my brother withdrew everything from the account ; he had no legal right to do so. I informed Capital One and they did nothing. My father received a VA XXXX payment the following month that was also withdrawn by my brother due to Capital Ones negligence. After reviewing my case they determined that there was no fraud. I have extensive evidence to prove otherwise and I will gladly provide you with a detailed, well-organized paper trail that shows how poorly Capital One handled my claim. Bottom line, they do not want to admit that they made a mistake ; they need to be held accountable.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX account number 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.