davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian Reporting Agency Someone other than me were able to change the email address in my Experian credit report, But Experian didn't notify me about the change. 

When I try to contact them they have an impossible system that is so hard to get to a live person. But I was able to get to someone and they tell me that my email or any thing for that matter is wrong and hang up. 

It was so difficult to get to someone and if you do they transfer you from one place to another. 

In the mean time, XXXXwo inquiries for credit application was recorded with in a day. But it is impossible to talk to some one.
Consumer complaint received 2023-08-14
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. (AL)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (PA)

I went on vacation as a single mom with XXXX little kids to the beach in the summer. I am a law abiding citizen and always pay tolls. While my children were yelling in the back of the car, the road split and I was in the far left lane and didnt realize there was a toll. I had a feeling that I had missed a toll but wasnt sure. The next day when I paid another toll, I explained to the attendant that I wanted to pay for my possibly missed toll the previous day. She said that was fine and I paid the retroactive toll of {$0.00} for my previous trip. I asked her if I would receive a ticket in the mail and she told me no and that she would update my missed toll in the system. I never received a ticket and three months went by. I figured it was resolved and updated when I made the retroactive payment with the attendant. Today I received a notice of collection in the mail for {$55.00}. I went back and verified that it was the exact place and toll I had missed, which it is. Not only did they never send me an original ticket which is unethical that they increased a {$0.00} sent toll to {$55.00}, but I had already paid it to the attendant. I did my due diligence when it happened and went to pay the toll I had missed right after it happened. I was guaranteed that it would be updated and now they are trying to turn a {$0.00} ticket into {$55.00}. Thats theft! Im frustrated and hurt by this. I live out of state and I just want this to be resolved. I have my receipt showing that I went back to pay the toll shortly after I missed it. This is so unethical.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have communicated with all three credit companies about their inaccurate reporting information. Unfortunately, this erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. 
List of inaccurate information : Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. 

The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. 


Both XXXX XXXX and XXXX XXXX XXXX  are inaccurate and must be removed.
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (TN)

This Collection Bureau, Advanced Collection Bureau, XXXX. XXXX XXXX XXXX, Fl. Phone ( XXXX XXXX XXXX. On XX/XX/2015 put the amount of {$5900.00}, on my credit an I want that amount remove from my credit report. I don't know anything about this amount.
Consumer complaint received 2022-11-23
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. (CA)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a XXXX for research, I found that under section 605b ( a ) Experian 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.
Consumer complaint received 2023-06-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I sent a letter on ( XX/XX/2023 ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/2023 ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

My stepmom has a savings and checking account. Before leaving for a prolonged trip in  XXXX   XXXX ,  2016,   she had in saving accounts at t Wells Fargo  {$5300.00}. In checking account, as of  XXXX   XXXX , had {$9500.00}. Through an  XXXX   XXXX  account of unknown origin, a total of {$14000.00} was removed from checking account and {$2700.00} was removed from saving account.  Wells Fargo  gave back {$6500.00} from checking account and {$1700.00} for saving. When asked about the rest of the m oney, Wells Fargo manager sa ys that they are not responsible for it because we did not enquire about missing money until past the 60 days. My stepmom was out of town for  8  mo.s and did not internet access established.   There is still over {$8600.00} missing from her account for wh ich Wellsfargo does not take responsibility for, stating that it was past60 days that we notifie d them.
Consumer complaint received 2023-08-14
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-14
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. (TX)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2023-05-19
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)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I just completed a chapter  XXXX  bankruptcy that included the   XXXX   XXXX   XXXX  home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX   XXXX   XXXX  home loans should now read closed.   XXXX   balance.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (GA)

On XX/XX/2022 inconsistency in my debit accounts were noticed. As well as suspicious activity and unauthorized transactions. I have been trying to get a transcript of my activity on a certain debit card that was not reported stolen or lost on XX/XX/2022 when I walked to the local convenient store. I did not report the card due to the fact that I was unemployed and had no incoming money to my debit card account. I received a deposit to my account on XXXX XXXX, 2022. At that time I reordered my card via the app in the amount of {$5.00}. Again never reported that I had lost my previous debit card. I contacted the financial institution via phone. The customer service representative informed me that the information is not available. Ensuring me that the data had been deleted from this specific debit card .I have reasons to believe that some unknown individual has my debit card that was lost/stolen. It's taken me 10 months to go through the accounts involved. Only to be denied my disputes. The receipts in my account are illegible and make no sense. I feel I have been taken advantage of in this whole situation.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (IL)

I was scammed by a phone call on XXXX  @ XXXXXXXX XXXX by what I thought was a customer rep from Chase bank since my caller ID on my cell phone number was the identical number for Chase bank. The caller instructed me that a wire transfer was happening in real time from a female in Florida named XXXX XXXX who was attempting to fraudently wire transfer {$9.00} from my checking account with Chase. I was driving down the street when this call occurred doing an errand and then I was planning to go back to my XXXX shift as a school bus driver on duty at XXXX XXXX. i was in a frenazy mentally my min d racing at this sudden bad news. The caller then instructed me to initiate another wire transfer to a supposed new Chase routing number and account number by doing a reverse transaction and submitting it to the new account which I did. Afterwards I started thinking after I parked the car and thought this couldn't be right and I hung up the phone on the caller but it ended up being too late since I submitted the wire transfer. The caller called me back within a minute or two and asked me if i indeed submitted the transfer and at this point I finally started to realize that this could well be a scam and I hung up the phone again. I hurriedly called off my job that afternoon and drove to the nearest Chase bank branch in XXXX XXXX XXXX to report this incident and I was hoping that somehow they could stop this transaction to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX but it was too late I learned later through their bank website security messages. I haven't heard anything since now being 3 weeks apparently since I was tricked into doing this wire fraud they refuse to get my funds returned to my account. i had impending bill withdrawals the next morning from my account so I had to get an emergency credit card cash advance to deposit into my personal checking account so my debits wouldn't bounce. I'm writing this story to this site in the hopes somehow I can get my {$1500.00} back since i had read on internet similar stories where the bank did refund the customer 's money. Thanks for whatever help you can provide.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-23
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. (FL)

I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. The account is reporting incorrect information, this account has been paid in full. I made contact with XXXX to make the correction, they said they would correct it but did not.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ND)

ALL 3 MAJOR CREDIT REPORTING AGENCIES ( EQUIFAX, XXXX, XXXX ) are mistakenly reporting a balance on an account on my credit. The name of the account is " XXXX XXXX ''. Due to this inaccuracy and my multiple attempts of trying to get this rectified, it is unlawful to continue reporting such account. please delete.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2023-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

Mohela is my current servicer and they are refusing to reimburse me for all payments that I made after XX/XX/XXXX. When I made payments in XXXX, during the pandemic pause, my servicer was XXXX XXXX. Those payments in XXXX closed some of my loan accounts because they paid off my the balances. Since that time, my loans were transferred to XXXX and in XXXX, they were transferred to Mohela, who is now my current servicer. XX/XX/XXXX, XXXX from the XXXX XXXX XXXX, told me that while Mohela is my current servicer, they are not responsible for repaying the closed balances that were paid off in XXXX. That information is incorrect. They have the records of all the payments I made in XXXX and as the current servicer of my loan, they are responsible for repaying all payments that I made after XX/XX/XXXX ( {$35000.00} ). Although they are legally responsible for reimbursing me for those payments, they are refusing to do so. Attached is a document from XXXX that shows all the payments I made, including payments made after XX/XX/XXXX.
Consumer complaint received 2017-05-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I had problems with this company reporting negative thing to my credit report about the balance, how much I owed and other negative things.I requested them to verify the debt was mine but i never got a response.
Consumer complaint received 2017-05-05
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. (FL)

To Who m it May  Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.      XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    All Banks   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  General Clothing Stores   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Tire Dealers    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg . Agencies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous  Reptg. Age ncies   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   Soc s ec #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Consumer complaint received 2022-11-28
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. (TX)

In Accordance with the Fair Credit reporting act XXXX  Account number XXXX has violated my rights Account name XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX. 

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
Consumer complaint received 2022-10-21
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. (ND)

ALL 3 MAJOR CREDIT REPORTING AGENCIES ( XXXX, XXXX, TRANSUNION ) are mistakenly reporting a balance on an account on my credit. The name of the account is " XXXX XXXX ''. Due to this inaccuracy and my multiple attempts of trying to get this rectified, it is unlawful to continue reporting such account. please delete.