davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

I was at a Time Share presentation in XXXX XXXX Utah, hosted by XXXX XXXX. During the presentation I was told by the guide to fill out information to see if I qualified for a purchase of a timeshare. No mention of a credit card or terms. I decided against a purchase. When I returned home a week later I received a XXXX credit card in the mail.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

Comenity will not process my payment I made day before due date and is assessing a late fee now. I called them on XX/XX/15 to use a different bank account to pay them from than the one I had been using for many months. It is XXXX XXXX XXXX XXXX  and I have used it this month to pay XXXX, XXXX XXXX, XXXX XXXX, and XXXX with no problem. It is a savings account and so was the previous account I used to pay Comenity, which was XXXX XXXX XXXX. I called Comenity this week to see why there was no ach from my XXXX account to them, why I was being charged a {$25.00} late fee, and got told that someone there had failed to get my XXXX XXXX  account number right ( I gave them 3 times ). So I gave it to them again yesterday and still nothing. All I have is a confirmation number, if that is pertinent here. This needs to be resolved without penalty to me, as I have done nothing wrong towards simply making my monthly Comenity credit card payment.
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (TN)

I XXXX XXXX, filed an dispute a month ago on the Inquiries : Item # XXXX XXXX XXXXXXXX XXXX Item # XXXX XXXX XXXX XXXX XXXX there has been no changes made and by law after 30 days, the reason for deletions must be made, and according to my repairs my credit has inaccurate information on my credit report these inquiries has to go as I have FCRA right to dispute.
Consumer complaint received 2023-11-10
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. (AZ)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/XXXX I received a letter requesting payment for {$690.00} for a credit card. When I called that day or a week later they told me I owed a little more than that and to pay XXXX which I did. After that they said I owed an additional XXXX. I replied that I called and obtained the total to pay off and paid what they told me. Now the additional has turned into XXXX with all the fees for the past 10 years. And now out of the blue they are garnishing my paycheck for it. I wish to request a motion to vacate as there is no way I owe this much. I had nothing indicating that I owed this until yesterdayXX/XX/XXXX when I received a letter from payroll.
Consumer complaint received 2023-11-10
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. (TX)

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 : Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX  Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX has violated my rights. Or 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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I went to purchase a car at XXXX XXXX XXXX Texas under my companys name. I asked them specifically if XXXX XXXX was going to report the lease to my personal credit report they told me NO. The Financial Manager stated he call Mazda Financial Services and they confirm that with me as a Personal Guarantor.it would not show on my credit. I Lease this car in my business name and with me as the personal Guarantor. I got to the finance office and the Finance ManageXXXX XXXX tried to get over on me. I told him that I didnt want certain products and when I went to sign the paperwork everything I said I didnt want was in the paperwork. If I didnt catch that he wouldve added things in leases that I didnt even want. Now he has to reprint all the paperwork and Im in the office for two hours. It took XXXX a month to submit the final paperwork to the bank and my temporary plates exited because he took so long. I got pulled over by the cops for expire tags on my car because of XXXX negligence. On top of that he was asking me questions about signing business paperwork and stated he didnt know too much about it because he doesnt do business deals often. First of all you are a Financial Manager, why are you asking the client for help and knowledge about sign paperwork? Now this lease is showing on my credit report and XXXX cant close on my house because I was specifically told this car will not be reported to my personal credit report. This account shouldnt be reported to my personal report based off the information i was given. XXXX XXXX should not be reporting this car on my personal credit. On my personal credit report it shows as individual. This should not be on my credit report because this car is in my business name. Dealing with XXXX XXXX and The dealership has to be the worse experience I have ever had. They are definitely fraud. I will stick with luxury banks and dealerships only.
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (IL)

There was a collection reporting through Comenity Bank which was unknown to me but I took care of it after seeing it on my credit file, a while later I applied for something and again there it was still saying I owed, I have disputed it, sent a letter in the mail to the company. To date I have received nothing.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are inquiries i dont recognize on my report XXXX XXXX XXXX Auto Financing XX/XX/2023 XXXX XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  Auto Financing XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/2023 XXXXXXXX XXXX XXXX  Auto Financing XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/2023 TransUnion XXXX Auto Financing XX/XX/2023 TransUnion XXXX Auto Loans XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 TransUnion XXXX XXXX Auto Loans XX/XX/2023
Consumer complaint received 2023-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MRS BPO, LLC (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-04-26
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. (PA)

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 2023-09-28
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. (FL)

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 and delete 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
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Im going some difficult financial times and I have requested tha t Wels Fargo h elp me with a short sale on the property. I have a realtor and an offer on my home. A cash offer!! I sent in my short sale package at the beginning of the month so that they have enough time so look over the info. I need them to respond so that the sale date will be postponed so that we have enough time to do the short sale.
Consumer complaint received 2023-09-05
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. (AR)

I filed an FTC report and filed the paperwork to the credit reporting agencies. The paperwork was not attached to the disputes I filed, and I have not gotten copies of the verification process per the FCRA. 

These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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 have filed the correct fraud paperwork per the FCRA to remove fraud from my credit report that was caused by identity theft. They paperwork has not been processed properly and I have not been given copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-10-18
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. (NY)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 61XXXX ( 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (MT)

XXXX there was a single fraud charge on my debit card..police report XXXX. The staff accidentally put several other charges into fraud .... causing a disaster with my funds. The only charge I disputed was from XXXX XXXX. I live in Montana. On XXXX. I closed my accounts, with my personel banker, XXXX ... at a XXXX balance. On XXXX I walk into the branch office, XXXX says your account is overdrawn. This is how I found out, they did not notify me. Also they forced closed a closed account for XXXX fee. I only signed off on one fraud charge. To many odd mistakes. They all nounce me back forth, telling me this is my fault. I didn't push any buttons by Mistake. The default company says my balance with them is the branches problem. The branch will not accept my calls. My security code has been removed, I can not access an account which I closed and am being told I have pay this amount. Several years of loyalty to this bank and iam shoved around, yelled at by this companys staff. The branch manager, on a three way call with 800 at the beginning, lied to me face to face, never took responsibility, no one did, as this is all my fault.
Consumer complaint received 2022-10-18
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. (NY)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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. (NC)

I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681.

Equifax is governed by 15 U.S.C 1681, equifax has violated my rights numerous of times. I demand the accounts below be removed immediately : XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ACCORDING to 15 U.S.C 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I got a phone call from XXXX XXXX XXXX regarding a vehicle I wanted to look at. I went to XXXX XXXX XXXX after I got out of work. I have been in Social Security XXXX since XXXX. I suffer from XXXX, and XXXX XXXX  alone with several other XXXX. 

Once I got in the door, as no other customers were in there, all the salesmen jumped on me to but this vehicle. I went into a XXXX XXXX as well as XXXX flaring up. In other words, all of them on me was too much. The salesmen also said that I 'was there to but the car ', I argued that I only wanted to look at it. 

I signed many documents under severe pressure from the salesmen there. I didn't even know the cost until the papers were signed, except for the Loan Application, which I refused to sign as it had fraudulent financial information written into it. I have put on here, my actual income from SSA. While working, I had to repay SSA as I was drawing SSXXXXI. 

I was taken advantage of, and Wells Fargo Auto Finance should know that as I bank there regularly. I`ve had to repay SSA over {$10000.00}. Now I`m retiring after years of working as a XXXX XXXX XXXX XXXX. Also, I only worked at XXXX XXXX XXXX for XXXX month, not XXXX years, which was on the Loan Application that I did not sign. I didn`t see any of the sales paperwork until one full month after the sale.

I called Wells Fargo Auto Finance right after the sale, and the representative told me 'too late, you already have the loan ', so they would never have worked with me on the fraudulent deal.