davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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. (IN)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX 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 XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have a joint account with my ex wife. the divorce decree from the judge gives the property to my ex wife and makes her 100 % responsible for the payment. I have sent the decree to the bank and had multiple calls with no resolution. When she is late they report on my credit. By court order I cant and dont have the ability to pay
Consumer complaint received 2023-11-07
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (SC)

I contacted Wells Fargo on XX/XX/XXXX to file for hardship and lock transactions on an account with a large balance and high-interest feethe hardship plan fixed interest to 1 % and fee and set payment amounts per month. 

Wells Fargo agreed and locked the version with the payments set at XXXX amount ( $ XXXX XXXX XXXX ) All payments were made promptly and on time. 

XX/XX/XXXX Wells Fargo let the hardship plan expire, and the payments went to $ XXXX + {$310.00} XXXX XXXX XXXX XXXX  without notice effectively doubling the monthly payment plan to {$680.00}. 

XX/XX/XXXX Called WF to speak with a representative XXXXXXXX XXXX XXXXXXXX and was told that the plans expired and I was on a short-term plan. The agent stated there is a " long-term plan '' as well that I was not made aware of. 

I asked for any documentation showing the difference between the two plans and XXXX XXXX XXXX on a recorded line, stated there is no documentation only that there is a phone call where the agent would decide to place you on a short-term or long term plan. 

I enquired how to be put on the long-term plan, and XXXXXXXX XXXX XXXXXXXX stated I would have to wait 12 months to file for hardship again. The balance of the account would then with the new interest rate be ballooned back up to XXXX amounts. 

This is anti-consumer behavior. Wells Fargo will not produce any documentation on a recorded line stating there is no documentation, and it's up to an agent to decide which plan to place you in. If Wells Fargo can decide unilaterally which plan to put you on without notifying the consumer this is anti-consumer behavior and they can reinstate the plan. 

Again I have made all payments on time while on this plan 100 % in full and on time.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

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 XXXXXX/XX/XXXX Incorrect Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (CA)

Navient recovery is using deceptive debt collection tactics to call. I received a weird deceptive phone call on XX/XX/XXXX. They used a third party routing company to call me at a business phone number trying to be deceptive. They need to immediately cease and desist any and all communications. Not sure what they are calling about and not sure why they call business numbers. Any alleged debt would be past the statute of limitations. The agent tried to ask me for my date of birth without identifying themselves deceptively.
Consumer complaint received 2023-08-03
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. (TX)

I hope this message finds you well. I am writing to formally dispute an account on my credit report that I believe to be a result of identity theft. The account in question is a XXXX XXXX account with a balance of {$2400.00}. 

I assure you that I have no knowledge of or association with this account. After thorough examination of my personal records and financial statements, I can confidently state that I have never entered into any agreement or incurred any charges with XXXX XXXX for the aforementioned amount. 

To address this issue promptly, I have already taken proactive steps by submitting an identity theft complaint through the official channel at identytheft.gov. This complaint includes all relevant details and supporting documentation related to the disputed account. 

Considering the severity of identity theft and the potential implications on my financial well-being, I kindly request your urgent attention and assistance in investigating and rectifying this matter. I would appreciate your immediate action to remove this account from my credit report until the identity theft investigation is concluded. 

Furthermore, I would like to request a written confirmation of the receipt of this dispute letter and regular updates on the status of the investigation. Please ensure that all communication pertaining to this matter is sent to my current mailing address on file. 

I have always maintained a strong credit history and have promptly resolved any legitimate financial obligations in the past. It is disheartening to find myself in a situation like this, and I trust that you will work diligently to rectify this matter and restore the accuracy of my credit report. 

Thank you for your attention to this dispute. I look forward to a swift resolution and appreciate your cooperation throughout this process. Should you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided below.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to EXPERIAN. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity and also unauthorized inquiries .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion has reinserted an erroneous account 3 times. I've been disputing this information for a year now they have failed to conduct any investigation. This account has been deleted from XXXX & XXXX for violating FCRA. I have proof that TransUnion has never conducted any investigation thus verifying the information as accurate. 

This is not only Defamation of Character but includes Fair Credit Report ACT 15 USC 1681 violation for willful compliance 616 Civil Liability for willful noncompliance 15 USC 1681n. 

I sent a letter to the creditor requesting proof of documentation in reference to the account with no correspondence. Proof Attached certified receipt & signed.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

I have not opened any student loan account in XXXX My student loan accounts were paid in full on XX/XX/2024. I have not authorized any student loan disbursements with my name. If otherwise, please send me the lender 's contract with my signature.
Consumer complaint received 2024-03-25
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: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTAH XXXX I have requested for the last 4 months to correct these inaccuracies from my credit reports. These inaccuracies have been injurious to my ability to use my credit for the last 120 days. Mountain America continues to ignore my request to resolve these matters directly with the credit reporting agencies. You are the Data furnisher, you cant keep ignoring and violating laws and causing injurious damage to my credit report and my ability to use my credit has caused significant hardship and financial loss. Marking complaints as duplicates on the CFPB are recorded and avoiding the matter has caused injurious damage to my ability to correct my credit reports for the last 120 days. I am request to correct these matters with the credit reporting agencies as this is your legally responsibility to do so. The credit reporting agencies are sending letters to me by mail stating Mountain America is verifying all this information to be accurate which needs to be resolved. This is my fourth attempt through the CFPB for you all to resolve the matter with the credit reporting agencies. Removal of all reporting or monetary damages is needed for the last 120 days is needed. 


XXXX XXXX XXXX
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX, I called my streaming provider XXXX about my reception was told there was a long wait someone would call me back, someone called me back from customer service.He looked up my account and said you have open accounts in your name from other states can I have your ok to shut them down. I said sure don't want that to be happening so he takes some time and he said there all shut down but someone is taking {$440.00} out of your banking account at the XXXX gas station on XXXX XXXX can you go there, I said yes it's very close so I go and he said put your debit card in to stop transaction, saw a sign on ATM saying XXXX, I told him I'm not putting my pin number in and he said just put these numbers in that he said over the phone and he said ok payment was stopped. I ended the call and called my bank to report what was said to me, the person I spoke with said I had to wait til it cleared before I could do anything so that Wednesday it cleared and I filed a claim they refunded the {$440.00} and said they will look into it so a few days later I get a letter from them saying there was no error and took the money out leaving me - $ XXXX go to the bank and they shut down my account and gave me new account, so I call the the bank fraud service and they said know one put in my account of what happened so now I go back to the bank and said what do I have to do to get this resolved, get a lawyer, and she said I can't talk to you anymore and someone will reach out to you..I said my SS check is here and I need to get to my new account but she wouldn't help me.
Consumer complaint received 2024-07-10
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. (NJ)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-03-25
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. (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 2023-09-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

US Auto Sales financed me a car that the value has been quadrupled the amount of the retail value of the vehicle and they agreed to transfer me into a cheaper vehicle, then the next week they went out of business, I have a XXXX XXXX XXXX that they are charging me almost {$24000.00} that is well over the XXXX XXXX price for the car, I would like a cheaper vehicle or a reduction in price of the vehicle, I have not missed a payment and have been a excellent customer, Westlake Portfolio has threatened me and told me that I have to pay that balance no matter what!!! I need someone to talk to about this because the vehicle is super tiny and I am being ripped off, thank you
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (NY)

I am writing to dispute a hard inquiry that appears on my credit report, which I believe to be unauthorized. After reviewing my credit report, I noticed an inquiry listedunder your company 's name. I would like to bring to your attention that I did not authorize this inquiry, and I am requesting that it be promptly investigated and removed from my credit report. 

Below are the details related to the unauthorized hard inquiry : TRUIST - XX/XX/
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am disputing an inaccurate XXXX XXXX account reported by the credit bureaus. Despite multiple certified requests for verification, the bureaus continue to inaccurately verify the account. XXXX reports the account open since XX/XX/XXXX, while XXXX and Equifax both report it as open since XX/XX/XXXX. Due to the discrepancies and failure to provide accurate verification, I am requesting the removal of this account from my credit report. The last updates were reported as follows : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and Equifax on XX/XX/XXXX.
Consumer complaint received 2024-03-26
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-10
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. (IA)

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 2024-03-25
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. (MI)

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 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I have contacted this company regarding the vehicle that I financed through them. I tried to resolve the transmission troubles I had by asking Credit Acceptance to help me, but was rejected and told about using my extended warranty plan to take care of the issue. I decided to leave it alone with the financing company. Fast forward to XX/XX/2023. I called in asking what can be done now that the vehicle was no longer operating. I was given options and was told that someone would call me that Friday to discussion the options in further detail. By that evening, my van was towed. 

At first it was a mystery that left me awake all night wondering what happened. When I called Credit Acceptance, the rep stated that someone called them stating that my vehicle was abandoned and that they had to secure the vehicle or it would be impounded. I asked the rep who did it and I was told that she could not give me that information. I asked if the letter that being mailed out reflect the call and the person who made the call and received no response. 

I decided to contact everyone involved in this mystery. Unfortunately, I have not gotten any closer to an answer and I am still without a vehicle. This event caused me to possibly lose out on holding XXXX accountable for causing the vehicle to be inoperable. I nor the sheriffs office can get Credit Acceptance to answer questions. On top of that, Credit Acceptance sent me a certified letter stating that my van was repoed due to non-payment, but when I ask the rep about this, I was told that my account was not in repo status due to non payment. When I ask for a letter to reflect that, I am told that they cant do that. 

Instead of me receiving help from them, I have been bombarded by daily calls asking me to pay and retrieve the van. When I ask why are you calling me to pay, but you cant alert me when my van is reported abandoned?, I get stumbles and stutters. I want this matter to be resolved. I originally filed a complaint through the attorney generals office, but the complaint was forwarded to CFPB.