davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2018-03-13
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. (FL)

XX/XX/2018 XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX A.   XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX B. Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. account resolution services 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX I will also attach photos of Accounts and inquiries that are fraudulent. Remove them immediately. Please look at the attached photos. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in less than 120 hrs  of your receipt, thank you for your prompt attention to this matter. This isnt the first time Ive contacted you about this situation and if the accounts isnt removed by the time frame I demanded I will take legal actions immediately after the response letter. 

Sincerely XXXX XXXX
Consumer complaint received 2024-03-22
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. (CA)

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.

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 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. 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 2023-09-01
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. (WA)

I tried to resolve this early in 2022, and assumed the loan was real since I have two masters degrees from different universities. 
The Washington State Attorney General 's Office tried to resolve it, but XXXX refused to answer their calls and requests for information. 
When I just did my annual credit reports, I found the information is still on my TransUnion and XXXX and my complaints of it being false information last year have been deleted. 
Having just finished a XXXX XXXX  in XXXX XXXX with student loans, I called to get into the XXXX program, which is required if you have delinquent payments or charge offs/defaults. I was told I have none and needed to call the XXXX XXXX XXXX XXXX. 
I called the XXXX XXXX XXXX XXXX, and was told I've never had a XXXX XXXX loan and that XXXX is precluded from buying a XXXX XXXX loan, servicing a XXXX XXXX loan or anything else to do with XXXX XXXX. 
I was advised to file a complaint with my state Attorney General again, and to file a complaint here, also. 
It's straight up fraud. I don't have and never have had a XXXX XXXX loan and XXXX has never been my servicer. All my student loans have been serviced by XXXX XXXX, and recently got taken over by XXXX. 
I have applied for and completed the process for all my loans to be consolidated into the SAVE program. I could not do this if I had any loans deliquient, in default, or claim charged off. 
Yet XXXX is trying to collect {$1700.00} from me, through fraudulent reporting to credit bureaus. 
I have proof all my loans have been consolidated into SAVE.
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My TransUnion credit score has dropped by XXXX points, while my other XXXX scores have either remained the same, or actually gone up. XXXX out of XXXX of my credit scores are over XXXX, and my TransUnion score was also over XXXX until it dropped by XXXX points out of nowhere. I have reached out to multiple attorneys now in addition to TransUnion, and I am told that absolutely nobody has ever seen or heard of someone having this happen to them. I want to be crystal clear here so that my problem is understood immediately. Most consumers in a similar position are facing a situation where something inaccurate negative has been reported on their credit report, and made their credit score drop. This is NOT what is happening to me. I have called TransUnion 4 times now, and I have also spoken with a supervisor, and absolutely every single one of these TransUnion employees have stated and verified the same thing for me. There have been absolutely NO changes in my credit history. Not a single new negative or derogatory remark has been added to my credit report. In the last 90 days, not a single negative change has been reported to TransUnion by ANYONE regarding my account or credit history. I do not have a single missed or late payment, and 100 % of my accounts are in good standing with a credit utilization rate of less than 10 %. My credit score has dropped for absolutely NO reason. Not a single person at TransUnion can tell me why my score dropped, they can only tell me that it has in fact dropped, and that there is absolutely nothing they can do about it. THIS MUST BE FIXED IMMEDIATELY. There is no fraud for me to dispute, and there are no inaccuracies for me to challenge on my report. My score has simply dropped XXXX points for absolutely NO REASON.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Information on my credit report is not correct. I have not been late my account was paid. I did not have repossession at all. Please have this account remove completely. There are not reporting correctly on my credit report. By law i have the right to have compliant to remove it completely from my credit report. XXXX, Equifax and XXXX. each one is reporting different information.
Consumer complaint received 2024-03-21
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. (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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

I filed a dispute for multiple debit charges to my account with Wells Fargo at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The customer service representative disputed all the credits to my account as well, I never asked him to dispute those credits to my account. I noticed XX/XX/2024 that my account was charged XXXX as an adjustment. I called in and they told me they told me that charge is because I disputed the credits to my account, I didnt and I never would have done that. Now Im being told I have to wait 2 days for them to review the call and make sure I didnt ask them to dispute those charges then 10 days for a resolution. I know I didnt dispute the credits to my account, so I requested a copy of the phone call and the customer service reps name who filed the dispute, they never gave it to me. Ive sent multiple emails with documentation showing that the credits were from me. The original email I sent on the date of XX/XX/2024 when i detailed what happened when my card was stolen I said I was the one loading the card. Every customer service rep I speak to says they havent received any documentation yet and its been 6 days. I have found legal representation to help me with this, but Wells Fargo will not provide any of the information they are using to make the decision on this dispute and they still havent received any of the documents/ screenshots showing Im the one who deposited the money into the account from XXXX and XXXX XXXX 
The dispute number for this case is XXXX. I just got off the phone with a Wells Fargo representative on XX/XX/2024 and they confirmed the claim I made against this dispute was never made. They told me countless times yesterday this claim had been escalated but checking back today it has not, no one had been assigned to look into this case even though Ive called a total of about 10 times regarding this. I am filing this as well as having my legal counsel send a letter detailing the situation and requesting the documents Wells Fargo will use for their investigation. Ive sent the screenshots showing these are my credits to the account one is missing from XXXX for about XXXX or something close to that I couldnt see the transaction as it has been reversed. I also sent the email I sent detailing I was the only loading the card. Theres no reason why these credits should stay reversed.
Consumer complaint received 2021-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (FL)

A few months back a was contacted by a company called revco solutions from XXXX Ohio, they said I was in collections for some unpaid deductibles from my Dr. because it was the charges were from over a year ago and Because I had changed insurance companies and 'even though I thought it was wrong.. I paid the debt to avoid any damage to my outstanding credit score. Well a few months later I received a similar letter stating that I owe money again and this time I knew it was bogus!. So I sent the company a certified letter stating this fact and within a month they sent me another letter saying I owed the funds which is completely FALSE. Whats is my next step?
Consumer complaint received 2023-05-29
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-03-13
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: EQUIFAX, INC. (NV)

The bankruptcy court supplied me with a letter that they did not report a bankruptcy to the credit agencies, instead of removing the incorrect information that did not belong to me they instead only removed one of the two errors and told me I have to send in another duplicate letter I already sent them claiming they can only remove one derogatory remark at a time this is the second request they have ignored the first was my request of 9 hard inquiries I did not authorize a letter was sent and now a second letter request was sent and they have failed to address this by supplying me with documentation baring my signature for these items on my credit report so they have disregarded my rights to the fair credit reporting act 611 ( a ) ( 1 ) ( A ). Then Equifax only removed the reporting source of the U.S bankruptcy court but shows as a derogatory public record which did not remove the incorrect derogatory information instead left it on my report without any source of reporting agency information and failed to supply me with the method of verification that I requested and updated my personal information with incorrect information regarding my employment that was not disputed and shown correct before, I have been at the same employer for the past 14 years so there was no reason to make that changes to my personal information without any source of changes from any agency. As well as pulling a hard inquiry I did not authorize with their company. I can only assume they did all of this purposely because of the unprofessional conversation I had with their agency. Their practices in resolving my issues has violated the fair credit reporting act section 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2018-01-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (UT)

I received an email from the company stating that transaction fees ( 25 % ) for cash draws made between XX/X/17 - XX/XX/17 would be reimbursed as a credit to my account balance within 14 days. 

I sent an email for clarification and they confirmed this offer. I then made an advance request. 

14 days later, I saw no credit on my account. I emailed and they said I would see it on my next statement. Now, 25 days later and after having received my statement, the credit is still not there. 

I Would not have requested the loan if not for this offer. They lied and tricked me into taking a loan with the promise of waiving the very high transaction fee.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MO)

XXXXi got a letterbf said date saying my XXXX  XXXX XXXX due to globle warning the chip is in default .i called XXXX dealership .explained .made an appointment .said ( ( WE CAN TRADE YOU ANOTHER CAR IF ON LOT SAME YR.BUT DIFF.MODEL .UR PAYMENTS AN BALANCE WILL BE TRANSFERED OVER ) ) i get to my appoint .young lady said we just need to do a follow up .can i open my XXXX  credit report..45mins later she comes back saying YOU DID NOT QUALIFY FOR FINANCE FOR A NEW.VEC..i never ask for. A new. Car nor fanince..days later in my credit report HARD INQUIRES .with XXXX XXXX all fall under different names.i emailed 3 latters to XXXX ..no respons
Consumer complaint received 2021-01-18
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. (PA)

Transunion is reporting a negative reporting on a XXXX account but when you review the history, no late payments is shown. 
Both XXXX  and XXXX, has removed the negative remarks and account as it was being reported inaccurate.
Consumer complaint received 2024-03-19
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. (TN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

15 USC 1666B States that a ceditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose account # XXXX Auto loan with XXXX XXXX
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (VA)

I received a balance transfer offer from Discover and before I took advantage of the offer I called Discover customer service to check on how the payment apply because I had some balance on high interest rate. They assured to me that the payment apply to the high interest balance first till it paid off and then apply the payment to the lower interest. I got this confirmation twice from XXXX different persons. I called the third time to transfer the balance and to confirm how the payment is applied to the balance. Based on XXXX confirmation I transferred some balance and signed up for automatic payment draft of {$250.00} per month to pay of the high interest balance in about one year. 
I found out later that I was misinformed and lied to and the payment that I have been making for more than 2 or so years applied to the lower interest rate first and any amount above the minimum apply to the higher interest rate to keep my balance of the higher interest rate almost unpaid. I feel that I have been ripped of my hard earning money and I was treated unfairly by Discover after being a loyal customer for almost 16 years. 
I spoke with account manager over 7 weeks ago and she promised that she will file my complain with the corporate and get back to me, when I never heard back I called gain and spoke with another account manager/ supervisor her name is XXXX and she told me straight that there is nothing I could do nor there is nothing that the corporate office will change for me, then I really felt that they have been taking my money intentionally and I was misguided by Discover.
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (TX)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.