davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

attached is the CERTIFIED MAIL FROM XXXX XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX LOAN SERVICING Account # XXXX XXXX  XXXX  Account # XXXXInquiries XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 Balance : {$0.00}.
Consumer complaint received 2023-10-13
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. (CA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-04-19
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: SYNCHRONY FINANCIAL (FL)

i have contested the late payment on my account. yet they remain and have not been adjusted after the 30-day period.also, all the incorrect addresses link to my credit profile are inaccurate.
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I was diagnosed with XXXX and my health was quickly deteriorating so, unfortunately, I could no longer work. Around XX/XX/2014, I reached out to a church for assistance with paying my rent which they agreed to pay for half. I made my payment and the church mailed their payment in. According to the office manager, whom I may add, did not like me, they did not receive payment. I reached out to the church and was told the check had been cashed. I received an eviction notice and had to move out. I then asked them to give me a document showing the payments they received for my apartment and they did. I noticed they did receive payment and applied the payment to the account the same day they filed an eviction. I reported this to all 3 credit bureaus and 2 of them  removed the debt. However, Experian refuses to do so. I have spoken to many supervisors and submitted the proof showing payment was received and applied to the account but they refuse to remove it. They told me to contact the collections agency that has my account so I did. I asked for verifiable proof showing the eviction was filed before they received and applied the payment but they don't have any documentation showing that. They have no knowledge of this debt.
Consumer complaint received 2023-10-13
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. (MS)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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. (MI)

I looked at my report back on XX/XX/2024, and noticed some things, are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate, Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts is not a Accurate.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2023-10-13
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-04
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. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (WI)

I have an auto loan through Wells Fargo. The payment options they provide are designed to be predatory. I can not schedule a recurring payment for anything larger than the minimum amount, so I am forced to schedule one-time payments. Wells Fargo 's online service only allows me to schedule two one-time payments per day, and only up to six weeks in advance. I just want to pay {$300.00} on my loan every two weeks, but I have been told this is not possible. I have attempted to contact Wells Fargo directly via their customer service email form, which received an unhelpful response, and via phone - their representatives have hung up on me. I haven't missed payments due to this appalling lack of customer service, but that's only because I've been overpaying. This is a deliberate attempt to harm people, and they should not be allowed to continue doing it. Every other loan account I have offers plenty of payment scheduling options, and Wells Fargo needs to be held accountable.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2018-05-08
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. (OK)

On XX/XX/XXXX I attempted to file a dispute through Equifax. The dispute was in response to six items showing as being in collection from a collection company I had never heard of. The collections were report in XX/XX/XXXX. They were reported as PAID and stated they were opened in XX/XX/XXXX. 

I tried to initiate a dispute through Equifax 's online process ; however, their system logged me out when I attempted to process the dispute and would not allow me to log back in. 

I initiated the dispute through an online contact form around XX/XX/XXXX. On XX/XX/XXXX, Equifax emailed me stating the " dispute has been completed. '' I was unable to view the results online. I called their customer support. The representative said the dispute was completed because the collection showed as PAID. I told her I did not believe the collection was valid. She became confused as to why I wanted it removed from my credit report even though it was disputed. I convinced her that I actually did want to dispute the collections. 

I received another email on XX/XX/XXXX saying the " dispute has been completed. '' Again, I could not view the results online. I used their online Chat Support system. The representative just said I could not log in because the system was down. It is XX/XX/XXXX, and I still am unable to view my results. 

To make a long story short, Equifax made it difficult to dispute invalid collections on my account. They closed the dispute without making a proper investigation. They made it difficult for me to get them to conduct an investigation. They are not providing me with the final results of the dispute. Also, the invalid collections are still showing on my account. 

I have attached screenshots of relevant emails. I do not have the recording of the phone call between the customer service rep and me.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

Identity theft, the account that was open, was not opened by me and I did not give anyone permission. 
American Express - XX/XX/, Amount - XXXX And I contacted the company and let them know this was not authorized by me and that I gave no consent to open this account. I need this removed from my credit report immediately.
Consumer complaint received 2023-10-13
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. (OH)

On XX/XX/2023, I received an email that my federal student loans were transferred to XXXX from XXXX due to my enrollment in PSLF. A few weeks later the XXXX loans dropped off my credit report and appeared under XXXX correctly. On XX/XX/2023 I noticed my credit report had my federal student loans now duplicated after being correctly reported initially ; they were showing as if I had loans with both XXXX and XXXX. So instead of having {$60000.00} in federal student loans, my credit report is showing I have {$120000.00} in student loans. The day that I noticed this, I submitted an inquiry with XXXX, asking why this has happened. Five days later they replied and stated they were aware of the issue and NO OTHER ACTION IS NEEDED ON MY END. There was no timeline provided of when it might be fixed, no explanation for why this happened, or any other elaboration. The generic automated email I received when I submitted the inquiry provided information to submit a formal dispute in writing. I dont understand why I need to mail them my issue when I have already submitted an inquiry with a case number for their credit reporting error. After receiving this email I tried to call them during their business hours. The phone rang/I was on hold for nearly 40 minutes with no human interaction. I could not wait for them any longer so I hung up. I submitted another claim on XX/XX/2023 asking for more information and an explanation. I stressed that this is negatively impacting borrowers livelihoods. I am in need of a new car. I am not going to get approved for a car note with {$120000.00} of student loan debt on my credit report. Again, another automated response and this time I did not receive any acknowledgment nearly 2 weeks later. I see on a XXXX thread that this has happened to others as well. Why is XXXX treating this like a non-issue? Is it really that difficult to correct a credit report? I need this fixed immediately and I need answers yesterday. My intention with this complaint is to bring awareness to this issue. If XXXX does not take action from this complaint then I will be disputing the inaccurate reporting through either them or Trans Union. This is absolutely unacceptable.
Consumer complaint received 2023-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

I'am victim of identity and Unauthorized charges that has been detected on my credit report without my authorization. Debt collections I am not aware of please. dispute all items that's on the Police report. I had reached to furnishers that is associated with accounts, nothing has taken action.
Consumer complaint received 2024-04-04
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. (TX)

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 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

I have paid Westlake financial a car loan balance in full but the company reported that the loan was paid by the dealer and it shows as a negative remark on the credit report. I have all proofs to show I personally paid the loan from my bank account and I have a letter from Westlake stating I paid the account in full yet they insist on reporting it to the credit bureau as paid by dealer. I have made several attempts to dispute and provide proof and they refuse to correct what the are reporting
Consumer complaint received 2023-10-08
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. (GA)

In accordance with the Fair Credit Reporting act XXXX from XXXX XXXX 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.

15 U.S.C 1692b acquisition of location information by debt collectors.
Consumer complaint received 2018-05-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems of the Fox Valley, Inc. (WI)

where and what are all these charges from the same day? looks like fraud and they can charge any ones account anything at anytime? the followinf data was collected from my credit report. The company is Credit Systems of the Fox Valley aka CR SYS FOX. website is http : //www.csfv.net/. No one from this company ever tried to contact me. 

Creditor Name Balance Balance Date Monthly Payment Term XXXX XXXX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018
Consumer complaint received 2023-05-07
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. (MO)

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 XXXX XXXX XXXX. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX : XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX, Account XXXX : XXXX, Account name : XXXX XXXX  Account name : XXXX 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 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 2023-04-13
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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